<SEC-DOCUMENT>0000939057-22-000372.txt : 20221216
<SEC-HEADER>0000939057-22-000372.hdr.sgml : 20221216
<ACCEPTANCE-DATETIME>20221216144509
ACCESSION NUMBER:		0000939057-22-000372
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20221216
DATE AS OF CHANGE:		20221216
EFFECTIVENESS DATE:		20221216

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-268827
		FILM NUMBER:		221467650

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
</SEC-HEADER>
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            <div style="text-align: center; line-height: 11.4pt;">As filed with the Securities and Exchange Commission on December 16, 2022</div>
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            <div style="text-align: right; line-height: 11.4pt;">Registration Statement No. 333-_______</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">UNITED STATES</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
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            <div style="text-align: center; line-height: 18.25pt; font-size: 14pt; font-weight: bold;">FORM S-8</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</div>
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            <div style="text-align: center; line-height: 18.25pt; font-size: 14pt; font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
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            <div style="text-align: center; line-height: 11.4pt;">(Exact name of registrant as specified in its charter)</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Delaware</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">33-0704889</div>
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            <div style="text-align: center; line-height: 11.4pt;">(State or other jurisdiction of</div>
            <div style="text-align: center; line-height: 11.4pt;">incorporation or organization)</div>
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            <div style="text-align: center; line-height: 11.4pt;">(I.R.S. Employer</div>
            <div style="text-align: center; line-height: 11.4pt;">Identification No.)</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">3756 Central Avenue, Riverside, California</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">92506</div>
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            <div style="text-align: center; line-height: 11.4pt;">(Address of principal executive offices)</div>
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            <div style="text-align: center; line-height: 11.4pt;">(Zip code)</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Provident Financial Holdings, Inc. 2022 Equity Incentive Plan</div>
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            <div style="text-align: center; line-height: 11.4pt;">(Full title of the plan)</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Donavon P. Ternes</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">President, Chief Operating Officer</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">and Chief Financial Officer</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Provident Financial Holdings, Inc.</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">3756 Central Avenue</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Riverside, California 92506</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">(951) 686-6060</div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">John F. Breyer, Jr., Esquire</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Breyer &amp; Associates PC</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">8180 Greensboro Drive</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Suite 785</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">McLean, Virginia 22102</div>
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">(703) 883-1100</div>
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            <div style="text-align: center; line-height: 11.4pt;">(Name, address and telephone number of agent for service)</div>
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    <div style="text-align: justify; line-height: 11.4pt;">Indicate by check mark whether the registrant is a large accelerated filed, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company.&#160; See the
      definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</div>
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            <div style="text-align: justify; line-height: 11.4pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting
              standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.</div>
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            <div style="text-align: center; line-height: 11.4pt;">[&#160; ]<br>
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    <div> <br>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">PART I</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The document(s) containing the information specified in Part I of this Registration Statement have been or will be sent or given to participants in the Provident Financial
      Holdings, Inc. 2022 Equity Incentive Plan, as specified by Rule 428(b)(1) of the Securities Act of 1933, as amended (the&#160;&#8220;<u>Securities Act</u>&#8221;), in accordance with the rules and regulations of the United States Securities and Exchange Commission
      (the &#8220;<u>Commission</u>&#8221;). Such documents are not being filed with the Commission either as part of this Registration Statement or as prospectuses or prospectus supplements pursuant to Rule 424 of the Securities Act. These documents and the documents
      incorporated by reference into this Registration Statement pursuant to Item 3 of Part II of this Registration Statement, taken together, constitute a prospectus that meets the requirements of Section 10(a) of the Securities Act.</div>
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    <div style="line-height: 11.4pt; text-align: center;"> <br>
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    <div style="line-height: 11.4pt; text-align: center;"> <br>
    </div>
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    </div>
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    <div style="line-height: 11.4pt; text-align: center;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;"> <br>
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    <div style="line-height: 11.4pt; text-align: center;">I-1<br style="line-height: 11.4pt;">
    </div>
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    <div style="line-height: 11.4pt; font-weight: bold; text-align: center;">PART II </div>
    <div style="line-height: 11.4pt; font-weight: bold; text-align: center;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-weight: bold; text-align: center;">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><u>Item 3</u>.&#160;&#160;&#160;&#160; Incorporation of Documents by Reference</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following documents previously or concurrently filed by Provident Financial Holdings, Inc. (the &#8220;Registrant&#8221;) with the Commission are hereby incorporated by reference into
      this Registration Statement and the prospectus to which this Registration Statement relates (the &#8220;Prospectus&#8221;):</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(a)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>the Registrant&#8217;s Annual Report on Form 10-K for the fiscal year ended June 30, 2022 (File No. 000-28304), filed with the Commission on September 2, 2022;</div>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(b)</td>
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            <div>all other reports filed by the Registrant pursuant to Section 13(a) or 15(d) of the Securities Exchange Act since the end of the fiscal year covered by the Annual Report on Form 10-K referred to in Item 3(a) above;</div>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(c)</td>
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            <div>the description of the Registrant&#8217;s common stock, par value $0.01 per share, set forth in its Registration Statement on Form 8-A, registering its common stock, pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended
              (the &#8220;Exchange Act&#8221;), and all amendments thereto or reports filed for the purpose of updating such description.</div>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">All documents filed by the Registrant with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended (&#8220;Exchange Act&#8221;)
      (excluding any portions of such documents that have been &#8220;furnished&#8221; and not &#8220;filed&#8221; for purposes of the Exchange Act) after the filing of this Registration Statement, and prior to the filing of a post-effective amendment which indicates that all
      securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement and the Prospectus and to be a part hereof and thereof from the date of the
      filing of such documents.&#160; Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of this Registration Statement and the Prospectus
      to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or supersedes such statement.&#160; Any such statement so
      modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the Prospectus.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">All information appearing in this Registration Statement is qualified in its entirety by the detailed information, including financial statements, appearing in the documents
      incorporated herein by reference.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><u>Item 4</u>.&#160;&#160;&#160;&#160; Description of Securities</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">Not Applicable</div>
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    </div>
    <div style="line-height: 11.4pt;"><u>Item 5</u>.&#160;&#160;&#160;&#160; Interests of Named Experts and Counsel</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">Not Applicable</div>
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    </div>
    <div style="line-height: 11.4pt;"><u>Item 6</u>.&#160;&#160;&#160;&#160; Indemnification of Directors and Officers</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Article XVII of the Registrant&#8217;s Certificate of Incorporation requires indemnification of any person who is or was a director, officer or employee of the Registrant for expenses
      actually and reasonably incurred in connection with the defense or settlement of any threatened, pending or completed action, suit or proceeding, including, but not limited to, expenses (including attorneys&#8217; fees), amounts paid in settlement,
      judgments and fines.&#160; The person seeking indemnification must meet the minimum standard of behavior, as set forth in the Certificate of Incorporation.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br>
      <br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Section 145 of the Delaware General Corporation Law (&#8220;<u>DGCL</u>&#8221;) authorizes a court to award, or a corporation&#8217;s board of directors to grant, indemnity to directors and
      officers in terms sufficiently broad to permit such indemnification under certain circumstances for liabilities, including reimbursement for expenses incurred, arising under the Securities Act.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Registrant maintains liability insurance for the benefit of its officers and directors.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The above discussion of the Registrant&#8217;s Certificate of Incorporation and the DGCL is not intended to be exhaustive and is qualified in its entirety by such Certificate of
      Incorporation and statutes.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><u>Item 7</u>.&#160;&#160;&#160;&#160; Exemption From Registration Claimed</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">Not Applicable</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><u>Item 8</u>.&#160;&#160;&#160;&#160; Exhibits</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">The following exhibits are filed with or incorporated by reference into this Registration Statement on Form S-8:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z68d71b130ed04f91a89ec61cc9130606" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 11.58%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 11.4pt;">Exhibit</div>
            <div style="text-align: center; line-height: 11.4pt;">Number</div>
            <div style="line-height: 2.75pt;"><font style="line-height: 2.75pt;">&#160;</font></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">Description of Document</div>
            <div style="line-height: 0.9pt;"><font style="line-height: 0.9pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905710000328/ex3193010.htm">4.1</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905710000328/ex3193010.htm">Amended and Restated Certificate of Incorporation of the Registrant as filed with the Delaware Secretary of State on
                November 24, 2009</a><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905722000362/ex32112922.htm">4.2</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905722000362/ex32112922.htm">Amended and Restated Bylaws of the Registrant</a><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">4.3</div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Form of Certificate of Common Stock of the Registrant<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh5.htm">5</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh5.htm">Opinion of Breyer &amp; Associates PC</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905722000312/provproxy2022.htm">10.1</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905722000312/provproxy2022.htm">Provident Financial Holdings, Inc. 2022 Equity Incentive Plan</a><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"><a href="https://www.sec.gov/Archives/edgar/data/1010470/000093905722000312/provproxy2022.htm">(</a>4)</sup></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh102.htm">10.2</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh102.htm">Form of Incentive Stock Option Agreement under the Provident Financial Holdings, Inc. 2022 Equity
                Incentive Plan</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh103.htm">10.3</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh103.htm">Form of Non-Qualified Stock Option Agreement under the Provident Financial Holdings, Inc. 2022 Equity
                Incentive Plan</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh104.htm">10.4</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh104.htm">Form of Restricted Stock Agreement under the Provident Financial Holdings, Inc. 2022 Equity Incentive
                Plan</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh231.htm">23.1</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh231.htm">Consent of Deloitte &amp; Touche LLP</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh5.htm">23.2</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh5.htm">Consent of Breyer &amp; Associates PC (contained in its opinion filed as Exhibit 5)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="#POWEROFATTORNEY">24</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="#POWEROFATTORNEY">Power of attorney (contained in the signature page of the Registration Statement)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh107.htm">107</a></div>
          </td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh107.htm">Filing fee table</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.58%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 1.93%; vertical-align: top;">&#160;</td>
          <td style="width: 86.49%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z951ea2e4e139480891972cd10c7869f9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Incorporated by reference to Exhibit 3.1 to the Registrant&#8217;s Quarterly Report on Form 10-Q filed on November 9, 2010.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z418833905f7e4e928ece7ed36a132319" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Incorporated by reference to Exhibit 3.1 to the Registrant&#8217;s Current Report on Form 8-K filed on November 30, 2022.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="ze93ff416101d4ef5a1c9b1ec1886e0d5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Incorporated by reference to Registrant&#8217;s Registration Statement on Form S-1 filed on March 11, 1996.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zd8eefe323709416b8a9b5ba8d1eb0d9d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Included as Appendix A to the Registrant&#8217;s Definitive Proxy Statement on Schedule 14A for the Annual Meeting of Shareholders held on November 29, 2022.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div> <u>Item 9.</u>&#160;&#160;&#160;&#160; Undertakings<br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z7e6fb28d4178454786f4bf4e46a09134" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;"><br>
          </td>
          <td style="width: auto; vertical-align: top; text-align: justify;"><br>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif;">T</font>he undersigned Registrant hereby undertakes:</div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
      </div>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">1.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>To file, during any period in which offers or sales are being made, a
      post-effective amendment to this Registration Statement: (i) to include any prospectus required by Section 10(a)(3) of the Securities Act; (ii) to reflect in the prospectus any facts or events arising after the effective date of the Registration
      Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the Registration Statement. Notwithstanding the foregoing, any increase or
      decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of
      prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in
      the effective Registration Statement; and (iii) to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration
      Statement; provided, however, that clauses (i) and (ii) do not apply if the information required to be included in a post-effective amendment by those clauses is contained in reports filed with or furnished to the Commission by the Registrant
      pursuant to Section 13 or Section 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in the Registration Statement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">2.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>That, for the purpose of determining any liability under the Securities
      Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">3.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>To remove from registration by means of a post-effective amendment any of
      the securities being registered which remain unsold at the termination of the offering.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif;">The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the
        Securities Act, each filing of the Registrant&#8217;s annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to Section
        15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in the Registration Statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that
        time shall be deemed to be the initial bona fide offering thereof.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif;">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors,
        officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as
        expressed in the Securities Act and is, therefore, unenforceable.&#160; In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling
        person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its
        counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the
        final adjudication of such issue.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">SIGNATURES</div>
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          <td style="width: 1.92%; vertical-align: top;">&#160;</td>
          <td style="width: 46.15%; vertical-align: bottom;">&#160;</td>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh5.htm">5</a></div>
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            <div style="line-height: 11.4pt;"><a href="provs81222exh5.htm">Opinion of Breyer &amp; Associates PC</a></div>
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          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 11.13%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh102.htm">10.2</a></div>
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          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh102.htm">Form of Incentive Stock Option Agreement under the Provident Financial Holdings, Inc. 2022 Equity
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          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 11.13%; vertical-align: top;">
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          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh103.htm">Form of Non-Qualified Stock Option Agreement under the Provident Financial Holdings, Inc. 2022 Equity
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          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh104.htm">10.4</a></div>
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          <td style="width: 86.09%; vertical-align: top;">
            <div style="line-height: 11.4pt;"><a href="provs81222exh104.htm">Form of Restricted Stock Agreement under the Provident Financial Holdings, Inc. 2022 Equity Incentive
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          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh231.htm">23.1</a></div>
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          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
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          <td style="width: 86.09%; vertical-align: top;">
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          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          <td style="width: 2.78%; vertical-align: top;">&#160;</td>
          <td style="width: 86.09%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><a href="provs81222exh107.htm">107</a></div>
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            <div style="line-height: 11.4pt;"><a href="provs81222exh107.htm">Filing fee table</a></div>
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<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>2
<FILENAME>provs81222exh5.htm
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 5</font><br>
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    </div>
    <div style="line-height: 11.4pt; text-align: center;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">December 16, 2022</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">Board of Directors</div>
    <div style="line-height: 11.4pt;">Provident Financial Holdings, Inc.</div>
    <div style="line-height: 11.4pt;">3756 Central Avenue</div>
    <div style="line-height: 11.4pt;">Riverside, California 92506</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">Ladies and Gentlemen:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We have acted as special counsel to Provident Financial Holdings, Inc., a Delaware corporation (the &#8220;Corporation&#8221;), in connection with the preparation and filing with the
      Securities and Exchange Commission of a Registration Statement on Form S-8 under the Securities Act of 1933, as amended (the &#8220;Registration Statement&#8221;) relating to the 375,000 shares of the Corporation&#8217;s common stock, par value $.01 per share (the
      &#8220;Common Stock&#8221;), to be offered pursuant to the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan (the &#8220;Plan&#8221;).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In this connection, we have reviewed originals or copies, certified or otherwise identified to our satisfaction, of the Plan, the Registration Statement, the Corporation&#8217;s
      certificate of incorporation and bylaws, resolutions of the Corporation&#8217;s Board of Directors and such other documents and corporate records as we deemed appropriate for the purpose of rendering this opinion.&#160; We have assumed without investigation the
      genuineness of all signatures, the legal capacity of natural persons, the authenticity, accuracy and completeness of all documents submitted to us as originals, the conformity to authentic and complete original documents of all documents submitted to
      us as certified, conformed or photostatic copies and the authenticity, accuracy and completeness of the originals of such copies.&#160; We have further assumed the accuracy of certifications of public officials, government agencies and departments,
      corporate officers, and individuals and statements of fact, on which we are relying, and have made no independent investigations thereof.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Based upon the foregoing, it is our opinion that:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z54b9eca33a2441d597af8b79bdca015c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The shares of Common Stock being so registered have been duly authorized.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcad92ec092084258ad62ababd1698e5b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Such shares will be, when and if issued, sold and paid for as contemplated by the Plan, validly issued, fully paid and non-assessable.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In rendering the opinion set forth herein, we express no opinion as to the laws of any jurisdiction other than the Delaware General Corporation Law, as currently in effect.&#160; This
      opinion is limited to the facts bearing on this opinion as they exist on the date of this letter.&#160; We disclaim any obligation to review or supplement this opinion or to advise you of any changes in the circumstances, laws or events that may occur
      after this date or otherwise update this opinion.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We hereby consent to the inclusion of this opinion as Exhibit 5 to the Registration Statement.&#160; In giving this consent, we do not admit that we are within the category of persons
      whose consent is required under Section 7 of the Securities Act of 1933, as amended, or the rules and regulations of the Securities and Exchange Commission thereunder.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">Sincerely,</td>
          </tr>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/s/BREYER &amp; ASSOCIATES PC </div>
            </td>
          </tr>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">BREYER &amp; ASSOCIATES PC</td>
          </tr>

      </table>
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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>provs81222exh102.htm
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.2</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div style="font-size: 12pt; font-weight: bold; text-align: center;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC.</font></div>
    <div style="font-size: 12pt; font-weight: bold; text-align: center;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;"> <br>
      </font></div>
    <div style="font-size: 12pt; font-weight: bold; text-align: center;">2022 EQUITY INCENTIVE PLAN</div>
    <div style="font-size: 12pt; font-weight: bold; text-align: center;"> <br>
    </div>
    <div style="line-height: 12pt; font-size: 12pt; font-weight: bold; text-align: center;"><u>INCENTIVE STOCK OPTION AGREEMENT</u></div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt; font-weight: normal;">ISO No. _____</div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">This Option is granted on ___________ (the &#8220;Grant Date&#8221;), by Provident Financial Holdings, Inc. (the &#8220;Company&#8221;), to _______________ (the
      &#8220;Optionee&#8221;), in accordance with the following terms and conditions:</div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">1.&#160; <u>Option Grant and Exercise Period</u>.&#160; The Company hereby grants to the Optionee an Incentive Stock Option (&#8220;Option&#8221;) to purchase,
      pursuant to the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan, as the same may be amended from time to time (the &#8220;Plan&#8221;), and upon the terms and conditions therein and hereinafter set forth, an aggregate of ___ shares (the &#8220;Option
      Shares&#8221;) of the common stock of the Company (&#8220;Common Stock&#8221;) at the price of $______ per share (the &#8220;Exercise Price&#8221;).&#160; A copy of the Plan, as currently in effect, is incorporated herein by reference and is attached to this Award Agreement.</div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">This Option shall be exercisable only during the period (the &#8220;Exercise Period&#8221;) commencing on the dates set forth in Section 2 below, and
      ending at 5:00 p.m., Riverside, California time, on the date ten years after the Grant Date, such later time and date being hereinafter referred to as the &#8220;Expiration Date,&#8221; subject to earlier expiration in accordance with Section 5 in the event of
      the Optionee&#8217;s termination of service (&#8220;Termination of Service&#8221;).&#160; The aggregate Fair Market Value (as determined on the Grant Date) of the Option Shares with respect to which Incentive Stock Options are exercisable for the first time by the Optionee
      during any calendar year (under this Plan or any other plan of the Company or an Affiliate) shall not exceed One Hundred Thousand Dollars ($100,000.00).&#160; To the extent that this Option does not qualify as an Incentive Stock Option for any reason, it
      shall be deemed <font style="font-style: italic;">ab initio </font>to be a Non-Qualified Stock Option.</div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">2.&#160; <u>Method of Exercise of This Option</u>.&#160; This Option may be exercised during the Exercise Period, with respect to not more than the
      cumulative number of Option Shares set forth below on or after the dates indicated, by giving written notice to the Company as hereinafter provided specifying the number of Option Shares to be purchased.&#160; The number of Option Shares that are
      exercisable on a particular date pursuant to this Section 2 shall not be accelerated by the Committee (as defined in the Plan) except in connection with a Change in Control as set forth in Section 9 of this Award Agreement, or in the event of the
      death or Disability of the Optionee.</div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">Cumulative Number of Option</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-weight: normal;"><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Shares Exercisable &#160; &#160; &#160; &#160;&#160;</u></font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 288pt; font-weight: normal;">&#160;</font><font style="font-size: 12pt; font-weight: normal;"><u>Date</u></font></div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">In the event the Optionee terminates Service on account of death or Disability, the Vesting Date of the Options shall be accelerated to the date of the
      Optionee&#8217;s Termination of Service.</div>
    <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;"> <br>
    </div>
    <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;"> <br>
    </div>
    <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    </div>
    <div style="line-height: 12pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">The notice of exercise of this Option shall be in the form prescribed by the Committee and directed to the address set forth in Section 12 below.&#160; The date of
      exercise is the date on which such notice is received by the Company.&#160; Such notice shall be accompanied by payment in full of the Exercise Price for the Option Shares to be purchased upon such exercise.&#160; Payment shall be made (i) in cash, which may
      be in the form of a check, money order, cashier's check or certified check, payable to the Company, (ii) by delivering shares of Common Stock already owned by the Optionee having a Fair Market Value equal to the Exercise Price, (iii) by the Company
      withholding shares of Common Stock otherwise issuable upon exercise having a Fair Market Value equal to the Exercise Price or (iv) a combination thereof.&#160; Promptly after such payment, subject to Section 3 below, the Company shall issue and deliver to
      the Optionee or other person exercising this Option a certificate or certificates representing the shares of Common Stock so purchased or cause the shares of Common Stock to be issued by book entry procedures, registered in the name of the Optionee
      (or such other person), or, upon request, in the name of the Optionee (or such other person) and in the name of another in such form of joint ownership as requested by the Optionee (or such other person) pursuant to applicable state law.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">3.&#160; <u>Delivery and Registration of Shares of Common Stock</u>.&#160; The
      Company's obligation to deliver shares of Common Stock hereunder shall, if the Committee so requests, be conditioned upon the Optionee&#8217;s compliance with the terms and provisions of Article V of the Plan.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">4.&#160; <u>Nontransferability of This Option</u>.&#160; This Option may not be
      assigned, encumbered, transferred, pledged or hypothecated except, (i) in the event of the death of the Optionee, by will or the applicable laws of descent and distribution or (ii) pursuant to a Domestic Relations Order.&#160; This Option is exercisable
      during the Optionee&#8217;s lifetime only by the Optionee or a person acting with the legal authority of the Optionee unless it has been transferred as permitted hereby, in which case it shall be exercisable only by such transferee.&#160; The provisions of this
      Option shall be binding upon, inure to the benefit of and be enforceable by the parties hereto, the successors and assigns of the Company and any person acting with the legal authority of the Optionee or to whom this Option is transferred in
      accordance with this Section 4.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">5.&#160; <u>Termination of Service or Death of the Optionee</u>.&#160; Except as
      provided in this Section 5 and Section 9 below, and notwithstanding any other provision of this Option to the contrary, this Option shall be exercisable only if the Optionee has not incurred a Termination of Service at the time of such exercise.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">If the Optionee incurs a Termination of Service for any reason excluding Termination for Cause, the Optionee may, within the three-month
      period (or one year in the case of death, Disability or Retirement) immediately succeeding such Termination of Service and in no event after the Expiration Date, exercise this Option to the extent the Optionee was entitled to exercise this Option on
      the date of Termination of Service.&#160; If the Optionee incurs a Termination of Service for Cause, all rights under this Option shall expire immediately upon the giving to the Optionee of notice of his termination, except as provided in Section 9 below.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">In the event of the death of the Optionee prior to the Optionee&#8217;s Termination of Service, the person or persons to whom the Option has been
      transferred pursuant to Section 4 may exercise this Option at any time within one year following the death of the Optionee, but in no </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;"> <br>
    </div>
    <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: center;"> ISO-2<br>
    </div>
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    </div>
    <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: justify;">event after the Expiration Date.&#160; Following the death of the Optionee, the Committee may, in its sole discretion,
      as an alternative means of settlement of this Option, elect to pay to the person to whom this Option is transferred pursuant to Section 4, the amount by which the Fair Market Value per share of Common Stock on the date of exercise of this Option
      shall exceed the Exercise Price per Option Share, multiplied by the number of Option Shares with respect to which this Option is properly exercised.&#160; Any such settlement of this Option shall be considered an exercise of this Option for all purposes
      of this Option and of the Plan.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">6.&#160; <u>Notice of Sale</u>.&#160; The Optionee or any person to whom the
      Option Shares shall have been transferred shall promptly give notice to the Company in the event of the sale or other disposition of Option Shares within the later of (i) two years from the Grant Date or (ii) one year from the date of exercise of
      this Option.&#160; Such notice shall specify the number of Option Shares sold or otherwise disposed of and be directed to the address set forth in Section 12 below.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">7.&#160; <u>Adjustments for Changes in Capitalization of the Company</u>.&#160; In
      the event of any change in the outstanding shares of Common Stock by reason of any recapitalization, forward or reverse split, reorganization, merger, consolidation, spin-off, combination, exchange of shares or other securities, stock split, stock
      dividend, special cash dividend or other special and nonrecurring dividend or distribution, liquidation, dissolution or other similar corporate transaction or event, the number and class of shares covered by this Option and the Exercise Price shall
      be appropriately adjusted by the Committee, whose determination shall be conclusive.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">8.&#160; <u>Effect of Merger or Other Reorganization</u>.&#160; In the event of
      any merger, consolidation or combination of the Company with or into another corporation (other than a merger, consolidation or combination in which the Company is the continuing corporation and which does not result in the outstanding shares of
      Common Stock being converted into or exchanged for different securities, cash or other property, or any combination thereof), the Optionee shall have the right (subject to the provisions of the Plan and the limitations contained herein), thereafter
      and during the Exercise Period, to receive upon exercise of this Option an amount equal to the excess of the Fair Market Value on the date of such exercise of the securities, cash or other property, or combination thereof, receivable upon such
      merger, consolidation or combination in respect of a share of Common Stock over the Exercise Price, multiplied by the number of Option Shares with respect to which this Option shall have been exercised.&#160; Such amount may be payable fully in cash,
      fully in one or more of the kind or kinds of property payable in such merger, consolidation or combination, or partly in cash and partly in one or more of such kind or kinds of property, all in the discretion of the Committee.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">9.&#160; <u>Effect of Change in Control</u>.&#160; If a Change in Control shall
      occur, and the Optionee incurs an Involuntary Termination within the 12-month period following the effective date of the Change in Control, this Option shall (to the extent it is not then exercisable) become exercisable in full upon the happening of
      such events; provided, however, that this Option shall not become exercisable to the extent that it has previously been exercised or otherwise terminated, or the Expiration Date has occurred.</div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">10.&#160; <u>Stockholder Rights Not Granted by This Option</u>.&#160; The Optionee
      is not entitled by virtue hereof to any rights of a stockholder of the Company or to notice of meetings of stockholders or to notice of any other proceedings of the Company.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;"> <br>
    </div>
    <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: center;">ISO-3<br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    </div>
    <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">11.&#160; <u>Withholding Tax</u>.&#160; The Company shall have the power and the
      right to deduct or withhold, or require a Person to remit to the Company, an amount sufficient to satisfy Federal, state and local taxes (including the Participant&#8217;s FICA obligation) required by law to be withheld with respect to any grant, exercise
      or payment made under or as a result of the Plan.&#160; In this regard, where any Person is entitled to receive Shares, the Company shall have the right to require such Person to pay to the Company or any of its Affiliates the amount of any tax which the
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    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">12.&#160; <u>Notices</u>.&#160; All notices to the Company shall be delivered or
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      Such addresses for the service of notices may be changed at any time provided written notice of the change is furnished in advance to the Company or to the Optionee, as the case may be.</div>
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    <div style="line-height: 12pt; font-size: 12pt; font-weight: normal; text-indent: 36pt;">IN WITNESS WHEREOF, the parties hereto have caused this Award Agreement to be executed as of the date first above
      written.</div>
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              <div style="font-size: 12pt;"><font style="font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC. </font><br>
              </div>
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              <div style="font-size: 12pt;">By: <font style="font-family: 'Times New Roman',Times,serif;"><u>______________________________________</u></font> <br>
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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>provs81222exh103.htm
<TEXT>
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  <head>
    <title></title>
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         Copyright 1995 - 2022 Broadridge -->
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.3</font><br>
    </div>
    <div><br>
    </div>
    <div>
      <div><br>
      </div>
      <div>
        <div style="line-height: 27.35pt; font-size: 12pt; font-weight: bold; text-align: center;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
        <div style="line-height: 27.35pt; font-size: 12pt; font-weight: bold; text-align: center;">2022 EQUITY INCENTIVE PLAN</div>
        <div style="text-align: center; line-height: 27.35pt; font-size: 12pt; font-weight: bold;"><u>NON-QUALIFIED STOCK OPTION AGREEMENT</u></div>
        <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
        </div>
        <div style="line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">NQSO No. ____</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">This Option is granted on __________, ____ (the &#8220;Grant Date&#8221;), by Provident Financial
          Holdings, Inc. (the &#8220;Company&#8221;), to ____________ (the &#8220;Optionee&#8221;), in accordance with the following terms and conditions:</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">1.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Option Grant and
              Exercise Period</u></font>.&#160; The Company hereby grants to the Optionee a Non-Qualified Stock Option (&#8220;Option&#8221;) to purchase, pursuant to the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan, as the same may be amended from time to
          time (the &#8220;Plan&#8221;), and upon the terms and conditions therein and hereinafter set forth, an aggregate of ________ shares (the &#8220;Option Shares<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8221;</font>) of the common stock
          of the Company (&#8220;Common Stock&#8221;) at the price of $_____ per share (the &#8220;Exercise Price&#8221;).&#160; A copy of the Plan, as currently in effect, is incorporated herein by reference and is attached to this Award Agreement.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">This Option shall be exercisable only during the period (the &#8220;Exercise Period&#8221;) commencing
          on the dates set forth in Section 2 below, and ending at 5:00 p.m., Riverside, California time, on the date ten years after the Grant Date, such later time and date being hereinafter referred to as the &#8220;Expiration Date,&#8221; subject to earlier
          expiration in accordance with Section 5 in the event of the Optionee&#8217;s termination of Service (&#8220;Termination of Service&#8221;).</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">2.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Method of Exercise of
              This Option</u></font>.&#160; This Option may be exercised during the Exercise Period, with respect to not more than the cumulative number of Option Shares set forth below on or after the dates indicated, by giving written notice to the Company as
          hereinafter provided specifying the number of Option Shares to be purchased.&#160; The number of Option Shares that are exercisable on a particular date pursuant to this Section 2 shall not be accelerated by the Committee (as defined in the Plan)
          except, to the extent provided in this Award Agreement, in the event of the death or Disability of the Optionee, or in connection with a Change in Control.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">Cumulative Number of</div>
        <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif; font-weight: normal;"><u>Option Shares Exercisable</u></font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 252pt; font-weight: normal;">&#160;</font><font style="font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;"><u>Date</u></font></div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; line-height: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">In the event the Optionee terminates Service on account of death or Disability, the Vesting Date of the Options
          shall be accelerated to the date of the Optionee&#8217;s Termination of Service.</div>
        <div style="line-height: 12pt; font-weight: normal;"><br style="line-height: 12pt;">
        </div>
        <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">The notice of exercise of this Option shall be in the form prescribed by the Committee and directed to the
          address set forth in Section 11 below.&#160; The date of exercise is the date on which such notice is received by the Company.&#160; Such notice shall be accompanied by payment in full of the Exercise Price for the Option Shares to be purchased upon such
          exercise.&#160; Payment shall be made (i) in cash, </div>
        <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;"> <br>
        </div>
        <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">which may be in the form of a check, money order, cashier&#8217;s check or certified check, payable to the Company,
          (ii) by delivering shares of Common Stock already owned by the Optionee having a Fair Market Value equal to the Exercise Price, (iii) by the Company withholding shares of Common Stock otherwise issuable upon exercise having a Fair Market Value
          equal to the Exercise Price or (iv) a combination thereof.&#160; Promptly after such payment, subject to Section 3 below, the Company shall issue and deliver to the Optionee or other person exercising this Option a certificate or certificates
          representing the shares of Common Stock so purchased or cause the shares of Common Stock to be issued by book entry procedures, registered in the name of the Optionee (or such other person), or, upon request, in the name of the Optionee (or such
          other person) and in the name of another in such form of joint ownership as requested by the Optionee (or such other person) pursuant to applicable state law.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">3.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Delivery and
              Registration of Shares of Common Stock</u></font>.&#160; The Company&#8217;s obligation to deliver shares of Common Stock hereunder shall, if the Committee so requests, be conditioned upon the Optionee&#8217;s compliance with the terms and provisions of
          Article V of the Plan.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">4.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Nontransferability of
              This Option</u></font>.&#160; This Option may not be assigned, encumbered, transferred, pledged or hypothecated except, (i) in the event of the death of the Optionee, by will or the applicable laws of descent and distribution, or (ii) pursuant to
          a Domestic Relations Order, or (iii) in a gift to a Family Member of the Optionee, if such transfer is approved by the Committee.&#160; During the lifetime of the Optionee, this Option shall be exercisable only by the Optionee or a person acting with
          the legal authority of the Optionee unless it has been transferred as permitted hereby, in which case it shall be exercisable only by such transferee.&#160; The provisions of this Option shall be binding upon, inure to the benefit of and be
          enforceable by the parties hereto, the successors and assigns of the Company and any person acting with the legal authority of the Optionee or to whom this Option is transferred in accordance with this Section 4.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">5.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Termination of Service
              or Death of the Optionee</u></font>.&#160; Except as provided in this Section 5 and Section 8 below, and notwithstanding any other provision of this Option to the contrary, this Option shall be exercisable only if the Optionee has not incurred a
          Termination of Service at the time of such exercise.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">If the Optionee incurs a Termination of Service for any reason excluding Termination for
          Cause, the Optionee may, within the period of one year immediately succeeding such Termination of Service and in no event after the Expiration Date, exercise this Option to the extent the Optionee was entitled to exercise this Option on the date
          of Termination of Service.&#160; If the Optionee incurs a Termination of Service for Cause, all rights under this Option shall expire immediately upon the giving to the Optionee of notice of his termination, except as provided in Section 8 below.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">In the event of the death of the Optionee prior to the Optionee&#8217;s Termination of Service,
          the person or persons to whom the Option has been transferred pursuant to Section 4 may, but only to the extent the Optionee was entitled to exercise this Option on the date of the Optionee&#8217;s death, exercise this Option at any time within one
          year following the death of the Optionee, but in no event after the Expiration Date.&#160; Following the death of the Optionee, the Committee may, in its sole discretion, as an alternative means of settlement of this Option, elect to pay to the person
          to whom this Option is transferred pursuant to Section 4 the amount by which the Fair Market Value </div>
        <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: justify;"><br>
        </div>
        <div style="line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal; text-align: center;"> NQSO-2<br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: justify;">per share of Common Stock on the date of exercise of this Option shall exceed the Exercise Price per Option Share, multiplied by the number of Option
          Shares with respect to which this Option is properly exercised.&#160; Any such settlement of this Option shall be considered an exercise of this Option for all purposes of this Option and of the Plan.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">6.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Adjustments for Changes
              in Capitalization of the Company</u></font>.&#160; In the event of any change in the outstanding shares of Common Stock by reason of any recapitalization, forward or reverse split, reorganization, merger, consolidation, spin-off, combination,
          exchange of shares or other securities, stock split, stock dividend, special cash dividend or other special and nonrecurring dividend or distribution, liquidation, dissolution or other similar corporate transaction or event, the number and class
          of shares covered by this Option and the Exercise Price shall be appropriately adjusted by the Committee, whose determination shall be conclusive.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">7.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Effect of Merger or
              Other Reorganization</u></font>.&#160; In the event of any merger, consolidation or combination of the Company with or into another corporation (other than a merger, consolidation or combination in which the Company is the continuing corporation
          and which does not result in the outstanding shares of Common Stock being converted into or exchanged for different securities, cash or other property, or any combination thereof), the Optionee shall have the right (subject to the provisions of
          the Plan and the limitations contained herein), thereafter and during the Exercise Period, to receive upon exercise of this Option an amount equal to the excess of the Fair Market Value on the date of such exercise of the securities, cash or
          other property, or combination thereof, receivable upon such merger, consolidation or combination in respect of a share of Common Stock over the Exercise Price, multiplied by the number of Option Shares with respect to which this Option shall
          have been exercised.&#160; Such amount may be payable fully in cash, fully in one or more of the kind or kinds of property payable in such merger, consolidation or combination, or partly in cash and partly in one or more of such kind or kinds of
          property, all in the discretion of the Committee.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">8.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Effect of Change in
              Control</u></font>.&#160; If a Change in Control shall occur, and the Optionee incurs an Involuntary Termination within the 12-month period following the effective date of the Change in Control, this Option shall (to the extent it is not then
          exercisable) become exercisable in full upon the happening of such events; provided, however, that this Option shall not become exercisable to the extent that it has previously been exercised or otherwise terminated.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">9.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Stockholder Rights Not
              Granted by This Option</u></font>.&#160; The Optionee is not entitled by virtue hereof to any rights of a stockholder of the Company or to notice of meetings of stockholders or to notice of any other proceedings of the Company.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">10.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Withholding Tax</u></font>.&#160;


          The Company shall have the power and the right to deduct or withhold, or require a Person to remit to the Company, an amount sufficient to satisfy Federal, state and local taxes (including the Participant&#8217;s FICA obligation) required by law to be
          withheld with respect to any grant, exercise or payment made under or as a result of the Plan.&#160; In this regard, where any Person is entitled to receive Shares, the Company shall have the right to require such Person to pay to the Company or any
          of its Affiliates the amount of any tax which the Company is required to withhold with respect to such Shares, or, in lieu thereof, to retain, or to sell without notice, a sufficient number of Shares to cover the minimum amount required to be
          withheld.</div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;"> <br>
        </div>
        <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: center;"> <br>
        </div>
        <div style="line-height: 13.7pt; font-size: 12pt; font-weight: normal; text-align: center;">NQSO-3<br>
        </div>
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        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">11.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Notices</u></font>.&#160;
          All notices hereunder to the Company shall be delivered or mailed to it addressed to the Secretary of Provident Financial Holdings, Inc., 3756 Central Avenue, Riverside, California 92506.&#160; Any notices hereunder to the Optionee shall be delivered
          personally or mailed to the Optionee's address noted below.&#160; Such addresses for the service of notices may be changed at any time provided written notice of the change is furnished in advance to the Company or to the Optionee, as the case may be.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">12.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Plan and Plan
              Interpretations as Controlling</u></font>.&#160; This Option and the terms and conditions herein set forth are subject in all respects to the terms and conditions of the Plan, which are controlling.&#160; Capitalized terms used herein which are not
          defined in this Award Agreement shall have the meaning ascribed to such terms in the Plan.&#160; All determinations and interpretations made in the discretion of the Committee shall be final and conclusive upon the Optionee or his legal
          representatives with regard to any question arising hereunder or under the Plan.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">13.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Optionee Service</u></font>.&#160;


          Nothing in this Option shall limit the right of the Company or any of its Affiliates to terminate the Optionee&#8217;s service as a director, advisory director, director emeritus, or employee, or otherwise impose upon the Company or any of its
          Affiliates any obligation to employ or accept the services of the Optionee.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">14.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Amendment</u></font>.&#160;
          The Committee may waive any conditions of or rights of the Company or modify or amend the terms of this Award Agreement; provided, however, that the Committee may not amend, alter, suspend, discontinue or terminate any provision hereof which may
          adversely affect the Optionee without the Optionee&#8217;s (or his legal representative&#8217;s) written consent.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">15.&#160; <font style="font-family: 'Times New Roman', Times, serif;"><u>Optionee Acceptance</u></font>.&#160;


          The Optionee shall signify his acceptance of the terms and conditions of this Option by signing in the space provided below and returning a signed copy hereof to the Company at the address set forth in Section 11 above.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
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        </div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="line-height: 13.7pt; font-weight: normal; text-align: center;"><font style="font-size: 12pt;">NQSO-4</font><br style="line-height: 13.7pt;">
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: normal;">IN WITNESS WHEREOF, the parties hereto have caused this Award Agreement to be executed as of
          the date first above written.</div>
        <div style="line-height: 13.7pt; font-weight: normal;"><br style="line-height: 13.7pt;">
        </div>
        <div style="line-height: 13.7pt; font-weight: normal;">
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;"><font style="font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC. </font><br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">By: <font style="font-family: 'Times New Roman',Times,serif;"><u>______________________________________</u></font> <br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">Its:&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>______________________________________</u></font> <br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                  <div style="font-size: 12pt;"> <br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">ACCEPTED: <br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-weight: normal; font-size: 12pt;" rowspan="1">
                  <div>&#160;</div>
                  <div> <br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-weight: normal; font-size: 12pt;" rowspan="1">___________________________________________ <br>
                </td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-weight: normal; font-size: 12pt;" rowspan="1">(Signature) <br>
                </td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-weight: normal; font-size: 12pt;" rowspan="1">&#160;</td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="font-weight: normal; font-size: 12pt;">___________________________________________&#160; <br>
                  </div>
                </td>
              </tr>
              <tr>
                <td style="width: 50.00%;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 50%; font-size: 12pt;">(Street Address)</td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">___________________________________________&#160; <br>
                </td>
              </tr>
              <tr>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
                <td style="width: 50%; font-size: 12pt;" rowspan="1">(City, State and Zip Code) <br>
                </td>
              </tr>

          </table>
        </div>
      </div>
      <br>
      <div style="font-weight: normal;"><br>
      </div>
      <div style="font-weight: normal;"><br>
      </div>
      <div><br>
      </div>
      <div><br>
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      <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><font style="font-weight: normal; font-size: 12pt;"> <br>
        </font></div>
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        </font></div>
      <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><font style="font-weight: normal; font-size: 12pt;"> <br>
        </font></div>
      <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><font style="font-weight: normal; font-size: 12pt;"> <br>
        </font></div>
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        </font></div>
      <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><font style="font-weight: normal; font-size: 12pt;"> <br>
        </font></div>
      <div style="text-align: center;"> </div>
      <div style="text-align: center;"><font style="font-weight: normal; font-size: 12pt;">NQSO-5</font>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>5
<FILENAME>provs81222exh104.htm
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: B&A
         Document created using Broadridge PROfile 22.9.1.5075
         Copyright 1995 - 2022 Broadridge -->
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.4</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">
      <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; text-align: center;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
      <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; text-align: center;"> <br>
      </div>
      <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; text-align: center;">2022 EQUITY INCENTIVE PLAN</div>
      <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; text-align: center;"> <br>
      </div>
      <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; text-align: center;"><u>RESTRICTED STOCK AGREEMENT</u></div>
      <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">RS No. __</div>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">Shares of Restricted Stock are hereby awarded on ___________, ____, by Provident Financial Holdings, Inc. (the &#8220;Company&#8221;), to
        ______________ (the &#8220;Grantee&#8221;), in accordance with the following terms and conditions:</div>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-weight: normal;">1.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt; font-weight: normal;">&#160;</font><font style="font-size: 12pt; font-weight: normal;"><u>Share Award</u>.&#160; The Company hereby awards to the Grantee _________ shares (&#8220;Shares&#8221;) of common stock of the Company (&#8220;Common Stock&#8221;) pursuant to the Provident
          Financial Holdings, Inc. 2022 Equity Incentive Plan, as the same may be amended from time to time (the &#8220;Plan&#8221;), and upon the terms and conditions and subject to the restrictions in the Plan and as hereinafter set forth.&#160; A copy of the Plan, as
          currently in effect, is incorporated herein by reference and is attached hereto.&#160; The Grantee is not required to make any payments in consideration for the issuance of Shares pursuant to this Agreement.</font></div>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-weight: normal;">2.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt; font-weight: normal;">&#160;</font><font style="font-size: 12pt; font-weight: normal;"><u>Restrictions on Transfer and Restricted Period</u>.&#160; During the period (the &#8220;Restricted Period&#8221;) commencing on the date of this Award Agreement and terminating
          on ___________, ____, Shares with respect to which the Restricted Period has not lapsed may not be sold, assigned, transferred, pledged, or otherwise encumbered by the Grantee except, in the event of the death of the Grantee, by will or the laws
          of descent and distribution or pursuant to a Domestic Relations Order, or as hereinafter provided.&#160; Shares with respect to which the Restricted Period has lapsed shall sometimes be referred to herein as &#8220;Vested.&#8221;</font></div>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">Provided that the Grantee does not incur a Termination of Service, Shares shall become Vested in accordance with the following schedule:</div>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

          <tr>
            <td style="width: 52.94%; vertical-align: top; font-weight: normal; font-size: 12pt;">
              <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif;"><u>Date of Vesting</u></div>
            </td>
            <td style="width: 47.06%; vertical-align: top; font-weight: normal; font-size: 12pt;">
              <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman',Times,serif;"><u>Number of Shares Vested</u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 52.94%; vertical-align: top; font-weight: normal; font-size: 12pt;">&#160;</td>
            <td style="width: 47.06%; vertical-align: top; font-weight: normal; font-size: 12pt;">&#160;</td>
          </tr>

      </table>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">The Committee shall have the authority, in its discretion, to accelerate the time at which any or all of the restrictions shall lapse with respect to any
        Shares or to remove any or all of such restrictions, whenever the Committee may determine that such action is appropriate by reason of changes in applicable tax or other laws, changes in circumstances occurring after the commencement of the
        Restricted Period, or any other reason.</div>
      <div style="line-height: 13.7pt; font-weight: normal; font-size: 12pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-weight: normal;">3.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt; font-weight: normal;">&#160;</font><font style="font-size: 12pt; font-weight: normal;"><u>Termination of Service</u>.&#160; Except as provided in Section 8 below, if the Grantee incurs a termination of service (&#8220;Termination of Service&#8221;) for any reason
          (other than death or Disability), all Shares which are not Vested at the time of such Termination of Service shall upon </font></div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-weight: normal;"> <br>
        </font></div>
      <div style="line-height: 13.7pt; text-align: justify;"><font style="font-size: 12pt; font-weight: normal;"> <br>
        </font></div>
      <div style="line-height: 13.7pt; text-align: justify;"><font style="font-size: 12pt; font-weight: normal;"> <br>
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          distribution, liquidation, dissolution or other similar corporate transaction or event, the number and class of Shares covered by this Award Agreement shall be appropriately adjusted by the Committee, whose determination shall be conclusive.&#160; Any
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          discretion of the Committee shall be binding and conclusive upon the Grantee or his legal representatives with regard to any question arising hereunder or under the Plan.</font></div>
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      <div style="text-align: justify; line-height: 13.7pt; font-size: 12pt; font-weight: normal;">IN WITNESS WHEREOF, the parties hereto have caused this Award Agreement to be executed as of the date first above written.</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">By: <font style="font-family: 'Times New Roman',Times,serif;"><u>______________________________________</u></font> <br>
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                <div style="font-size: 12pt;">Its:&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>______________________________________</u></font> <br>
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                <div style="font-size: 12pt;"> <br>
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                <div style="font-size: 12pt;">ACCEPTED: <br>
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                <div> <br>
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            <tr>
              <td style="width: 50%; font-size: 12pt;" rowspan="1">&#160;</td>
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            <tr>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"> <font style="font-weight: bold;"><br>
      </font></div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;"> <font style="font-weight: bold;"><br>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"> <font style="font-weight: bold;"><font style="font-weight: normal; font-size: 12pt;">RSA-4</font><br>
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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>6
<FILENAME>provs81222exh231.htm
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 23.1</font><br>
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  <div>
    <div style="text-align: center; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">[Letterhead of Deloitte &amp; Touche LLP] </div>
    <div style="line-height: 11.4pt; text-align: center;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
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    <div>We consent to the incorporation by reference in this Registration <font style="font-family: 'Times New Roman',Times,serif;">Statement on</font> Form S-8 of our report dated September 2, 2022
      relating to the financial statements of Provident Financial Holdings, Inc. and subsidiary (the &#8220;Corporation&#8221;), appearing in the Annual Report on Form 10-K of the Corporation for the year ended June 30, 2022.</div>
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      <div> <br>
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      <div>/s/ Deloitte&#160;&amp; Touche&#160;LLP</div>
      <div><br>
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      <div>Costa Mesa, California</div>
      <div>December 16, 2022</div>
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<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>7
<FILENAME>provs81222exh107.htm
<DESCRIPTION>FILING FEES TABLE
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 107</font><br>
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  <div> <br>
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  <div> <br>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Calculation of Filing Fee Table</div>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><u>&#160;&#160;&#160;&#160; Form S-8&#160;&#160;&#160;&#160; <br>
      </u></div>
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    <div style="text-align: center; line-height: 11.4pt;">(Form Type)</div>
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    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><u>&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#160;&#160;&#160;&#160;&#160;&#160; Provident Financial Holdings, Inc. &#160; &#160; &#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#160; <br>
      </u></div>
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    <div style="text-align: center; line-height: 11.4pt;">(Exact Name of Registrant as Specified in its Charter)</div>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"><u>Table 1: Newly Registered Securities</u></div>
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            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Security </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Type</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 13.46%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Security Class </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Title</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Fee </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Calculation </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Rule</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 13.46%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Amount </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Registered</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Proposed </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Maximum </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Offering Price </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Per Share (2)<br>
            </div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 14.42%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Maximum <br>
            </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Aggregate Offering Price</div>
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          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Fee Rate</div>
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          <td style="border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Amount of </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Registration </div>
            <div style="line-height: 9.1pt; font-size: 8pt;">Fee</div>
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          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 8.65%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">Equity</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 13.46%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">Common </div>
            <div style="line-height: 11.4pt;">Stock, par </div>
            <div style="line-height: 11.4pt;">value $.01 </div>
            <div style="line-height: 11.4pt;">per share</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">Rule 457(c) and </div>
            <div style="line-height: 11.4pt;">Rule 457(h)</div>
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          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 13.46%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">375,000<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">&#160;$14.79</td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 14.42%; text-align: center;">&#160;$5,546,250</td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">.0001102</div>
          </td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">&#160;$612</td>
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          <td colspan="4" style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 48.08%;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 9.1pt; font-size: 8pt;">Total Offering Amounts</div>
          </td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 12.5%;">&#160;</td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 14.42%; text-align: center;">&#160;$5,546,250</td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 12.5%;">&#160;</td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">&#160;$612</td>
        </tr>
        <tr>
          <td colspan="4" style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 48.08%;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 9.1pt; font-size: 8pt;">Total Fee Offsets</div>
          </td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 12.5%;">&#160;</td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 14.42%;">&#160;</td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 12.5%;">&#160;</td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">&#160;$0</td>
        </tr>
        <tr>
          <td colspan="4" style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 48.08%;">
            <div style="line-height: 6pt;"><font style="line-height: 6pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 9.1pt; font-size: 8pt;">Net Fee Due</div>
          </td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 12.5%;">&#160;</td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 14.42%;">&#160;</td>
          <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; vertical-align: top; width: 12.5%;">&#160;</td>
          <td style="border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); vertical-align: bottom; width: 12.5%; text-align: center;">&#160;$612</td>
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    </table>
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          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Pursuant to Rule 416 under the Securities Act of 1933, this Registration Statement includes an indeterminate number of additional shares which may be necessary to adjust the number of shares reserved for issuance pursuant to the Provident
              Financial Holdings, Inc. 2022 Equity Incentive Plan as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of the registrant.</div>
          </td>
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          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Estimated in accordance with Rule 457(c) and Rule 457(h) of the Securities Act of 1933, calculated on the basis of $14.79 per share, the average of the high and low sale prices per share of the registrant&#8217;s common stock on the Nasdaq
              Global Market on December 12, 2022, which date is within five business days prior to filing this Registration Statement.</div>
          </td>
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