<SEC-DOCUMENT>0000939057-23-000318.txt : 20231031
<SEC-HEADER>0000939057-23-000318.hdr.sgml : 20231031
<ACCEPTANCE-DATETIME>20231031110426
ACCESSION NUMBER:		0000939057-23-000318
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20231025
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20231031
DATE AS OF CHANGE:		20231031

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		231362772

	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>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

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    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Pursuant to Section&#160;13 or 15(d)&#160;of the Securities Exchange Act of 1934</div>

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            <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pre-commencement communications pursuant to Rule&#160;14d&#8209;2(b)&#160;under the Exchange Act (17 CFR 240.14d&#8209;2(b))</div>
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            <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pre-commencement communications pursuant to Rule&#160;13e&#8209;4(c)&#160;under the Exchange Act (17 CFR 240.13e&#8209;4(c))</div>
          </td>

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    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities registered pursuant to Section&#160;12(b)&#160;of the Act:</div>

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    </div>

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            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Title of each class</div>
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            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;</div>
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    <td style="width: 32%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Trading Symbol(s)</div>
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            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;</div>
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            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Name of each exchange on which registered</div>
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            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_26b90801edca41cda0909f001075103c" contextRef="c20231025to20231025">Common Stock, par value $.01 per share</ix:nonNumeric><br />
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    <td style="width: 2.06%; vertical-align: top;">&#160;</td>

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    <div style="text-align: justify; line-height: 11.4pt; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule&#160;405 of the
      Securities Act of 1933 (&#167;230.405 of this chapter) or Rule&#160;12b&#8209;2 of the Securities Exchange Act of 1934 (&#167;240.12b&#8209;2 of this chapter).</div>

    <div style="text-align: left; line-height: 11.4pt; margin-bottom: 5pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_26e59b3c53fa41ddbad51f0384d8fb69" contextRef="c20231025to20231025" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
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    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">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&#160;13(a)&#160;of the Exchange Act. [ &#160; ]</div>

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    </div>

    <div style="line-height: 14.4pt;">
      <div style="line-height: 1.15pt;"><br />
      </div>

    </div>

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      <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /></div>

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    <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Item 5.02 Departure of Directors or Principal Officer; Election of Directors; Appointment of Principal Officers</span></div>

    <div style="line-height: 9.1pt;"><br />
    </div>

    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(b)&#160;&#160;&#160;&#160; Departure of Principal Officer</div>

    <div style="line-height: 9.1pt;"><br />
    </div>

    <div style="text-align: justify;"> <span style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">On October 25, 2023, Provident Financial Holdings, Inc. (the &#8220;Company&#8221;) announced that Chairman and Chief Executive Officer Craig
        G. Blunden intends to retire from active employment with the Company and Provident </span>Savings Bank, F.S.B.<span style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;"> (the &#8220;Bank&#8221;) on January 1, 2024 and transition into
        becoming non-executive Chairman of the Board of Directors of both the Company and the Bank (the &#8220;Non-Executive Chairman&#8221;).&#160; A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</span> </div>

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    </div>

    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On October 26, 2023, the Bank, the Company and Mr. Blunden entered into a Transition Agreement&#160; (the &#8220;Transition Agreement&#8221;) in
      connection with Mr. Blunden&#8217;s transition from Chairman and Chief Executive Officer to Non-Executive Chairman.&#160; The Transition Agreement provides that on January 1, 2024, Mr. Blunden will no longer serve as Chief Executive Officer of the Bank, and
      instead will become Non-Executive Chairman, provided in the case of the Company the shareholders approve his election as a director.&#160; The Transition Agreement will remain in effect while Mr. Blunden is a director of the Bank and Company (generally
      for a three-year term subject to reappointment and, in the case of the Company, shareholder approval).&#160; As Non-Executive Chairman, Mr. Blunden also will serve on the Long-Range Planning Committee, and such other committees as determined by the
      Savings Bank&#8217;s and the Company&#8217;s Board of Directors, if Mr. Blunden agrees to such other appointments.&#160; For his services as Non-Executive Chairman of the Company, Mr. Blunden will receive a $3,700 monthly retainer.&#160; He may also be compensated for
      performing services as Non-Executive Chairman of the Bank, but such amounts have not been determined and may be zero.&#160; Mr. Blunden will also be compensated for his committee member services.</div>

    <div style="line-height: 11.4pt;"><br />
    </div>

    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">During the Transition Agreement term, Mr. Blunden will be reimbursed for reasonable and customary expenses incurred in connection with
      serving as Non-Executive Chairman, including monthly club dues, the business portion of his monthly club expenses, approved business travel to conferences and approved industry memberships.&#160; During the term, he also will be eligible to participate in
      any benefit, fringe benefit, and equity compensation plan available to directors generally, but will be personally responsible for paying his and his family&#8217;s medical, dental, life, tax preparation premiums and costs.&#160; He also will have use of an
      automobile and office space, each as appropriate considering his position as Non-Executive Chairman.&#160; In addition, Mr. Blunden will have transferred to him the Company&#8217;s membership interest in a country club, which is valued at $5,000.</div>

    <div style="line-height: 11.4pt;"><br />
    </div>

    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">As of January 1, 2024, Mr. Blunden&#8217;s employment agreement with respect to his employment as Chief Executive Office of the Bank will
      terminate and he will be entitled to no further payments thereunder.&#160; In addition, the time necessary for Mr. Blunden to perform services as Non-Executive Chairman will be reduced sufficiently for him to be eligible for payment under his
      Post-Retirement Salary Continuation Agreement.</div>

    <div style="line-height: 11.4pt;"><br />
    </div>

    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The foregoing description of the Transition Agreement does not purport to be complete and is qualified in its entirety by reference to
      the actual Transition Agreement, a copy of which is filed as Exhibit 10.13, and is incorporated herein by reference.</div>

    <div style="line-height: 9.1pt;"><br />
    </div>

    <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(c)&#160;&#160;&#160;&#160; Appointment of Principal Officer</div>

    <div style="line-height: 9.1pt;"><br />
    </div>
<div>
    On October 25, 2023, the Company announced the appointment of Donavon P. Ternes as President and Chief Executive Officer of the both the Company and the Bank effective on January 1, 2024.&#160;A copy of the press release is attached hereto as Exhibit 99.1
    and is incorporated herein by reference.<span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><span style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160; </span></span></div>
</div>

  <div><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br />
    </span></div>

  <div style="text-align: justify;">
    <div><span style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">Mr. Ternes, age 63, </span>joined the Bank and the Company as Senior Vice President and Chief Financial Officer on November 1, 2000 and was appointed Corporate Secretary
      of the Company and the Bank in April 2003. Effective January 1, 2008, Mr. Ternes was appointed Executive Vice President and Chief Operating Officer, while continuing to serve as the Chief Financial Officer and Corporate Secretary of the Bank and the
      Company. Effective June 27, 2011, the Board of Directors of the Bank and the Company promoted Mr. Ternes to serve as President of the Bank and the Company, while continuing to serve as Chief Operating Officer, Chief Financial Officer and Corporate
      Secretary. Prior to joining the Bank, Mr. Ternes was the President, Chief Executive Officer, Chief Financial Officer and Director of Mission Savings and Loan Association, located in Riverside, California, holding those positions for over 11 years. </div>

    <div style="line-height: 11.4pt;"><br />
    </div>

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    <div style="line-height: 11.4pt;"><br />
    </div>

    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">On October 26, 2023, the Bank, the Company and Mr. Ternes entered into an Employment Agreement (the &#8220;Employment Agreement&#8221;) in connection with Mr. Ternes&#8217;
      impending promotion to President and Chief Executive Officer of the Company and the Bank.&#160; Following is a summary of the material terms of the Employment Agreement.</div>

    <div style="line-height: 11.4pt;"><br />
    </div>
<div>
    The Employment Agreement becomes effective January 1, 2024 and provides for an initial three-year term.&#160; On December 31, 2024, and on each December 31<sup>st</sup> thereafter, the agreement term will be extended for an additional year, unless notice is
    given by the Bank or Mr. Ternes at least 90 days prior to the end of the then three-year term that the agreement will not be extended, or the extension is not approved by the Board of Directors of the Company or the Bank (together referred to in this
    summary as the Board of Directors).
    </div>
<div style="line-height: 11.4pt;"> <br />
    </div>

    <div style="line-height: 11.4pt;">Under the Employment Agreement, Mr. Ternes&#8217; initial salary will be $500,000.00.&#160; This amount will be reviewed annually and adjusted from time to time (but not decreased) to reflect amounts approved by the Board of
      Directors. </div>

    <div style="line-height: 11.4pt;"> <br />
    </div>

    <div style="line-height: 11.4pt;">Mr. Ternes is eligible to participate in an equitable manner with all other executive officers of the Company and the Bank in such performance-based and discretionary bonuses, if any, as are authorized and declared by
      the Board of Directors for executive officers. </div>

    <div style="line-height: 11.4pt;"> <br />
    </div>

    <div style="line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-indent: 0px;">Mr. Ternes also may participate, to the same extent as executive officers of the Bank, in all plans of the Company and the Bank relating
      to retirement, 401(k), ESOP, group or other life insurance, hospitalization, medical and dental coverage, travel and accident insurance, education, cash bonuses, and other retirement or employee benefits or combinations thereof.&#160; In addition, Mr.
      Ternes is entitled to be considered for benefits under all of the stock, stock option, equity incentive and similar plans in which the Bank&#8217;s executive officers are eligible or become eligible to participate. Mr. Ternes is also eligible to
      participate in any other fringe benefit plans or perquisites which are generally available to the Bank&#8217;s executive officers, including supplemental deferred compensation programs, an automobile allowance, financial planning and tax preparation, an
      annual physical, and supplemental insurance programs.</div>

    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt; text-indent: 36pt;"> <br />
    </div>

    <div style="line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-indent: 0px;">The Employment Agreement may be terminated by the Bank or by Mr. Ternes. If Mr. Ternes&#8217; employment is terminated by the Bank other than
      upon a Termination for Cause, or upon Mr. Ternes&#8217; voluntary termination following the occurrence of an event described in the agreement definition of &#8220;Involuntary Termination&#8221; prior to a &#8220;Change in Control&#8221; as defined in the Employment Agreement,
      then the Bank would be required to pay Mr. Ternes a lump sum equal to the discounted present value of his then-current salary for the remaining term of the agreement. </div>

    <div style="line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-indent: 0px;"> <br />
    </div>

    <div style="line-height: 11.4pt;">The Employment Agreement also provides for a severance payment and other benefits if Mr. Ternes experiences an Involuntary Termination following a &#8220;Change in Control&#8221; (as defined in the Employment Agreement).&#160; In that
      event, the Bank would be required to (1) pay Mr. Ternes a cash lump sum equal to 299% of his &#8220;base amount&#8221;, as determined under Section 280G of the Internal Revenue Code (&#8220;Code&#8221;) determined at the effective time of the Change in Control event
      (generally, &#8220;base amount&#8221; under Section 280G of the Code means the average of Mr. Ternes&#8217; includible compensation from the Bank during the 5-year period ending with the year preceding the year in which the Change in Control event occurs) except that
      for this purpose, gains attributable to equity awards (e.g., stock option exercises or restricted stock vesting) are not taken into account; and (2) continue to provide Mr. Ternes with various group benefits, such as health, dental and long term
      disability insurance, during the remaining term of the agreement.&#160; However, if Mr. Ternes' payments made in connection with a Change in Control would cause the deduction limitations and excise tax requirements of Sections 280G and 4999 of the
      Internal Revenue Code (the "Golden Parachute Limits") to be exceeded, then his Change in Control-related payments will be reduced as necessary so that the Golden Parachute Limits are not exceeded. </div>

    <div style="line-height: 11.4pt;"><br />
    </div>

  </div>

  <div style="text-align: justify;">
<div>The Employment Agreement provisions are subject to the Company&#8217;s clawback policy.
    </div>
<div style="line-height: 11.4pt;"> <br />
    </div>

    <div style="line-height: 11.4pt;">The Employment Agreement also includes non-solicitation and confidentiality provisions that last for one year after the termination of Mr. Ternes' employment. </div>

    <div style="line-height: 11.4pt;"><br />
    </div>
<div>
    The Employment Agreement generally prohibits assignment or delegation, except that the Bank shall require any successor or assign to assume and agree to perform the agreements in the same manner and to the same extent as the
    </div>
<div style="text-indent: 36pt; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"> <br />
    </div>

    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"> <br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Bank would be required to perform had no succession or assignment taken place. Failure to have a successor or assign assume the Employment Agreement would
      result in Mr. Ternes receiving compensation and benefits as if a Change in Control had occurred.</div>

    <div style="line-height: 12.55pt;"><br />
    </div>
<div>
    The foregoing description of the Employment Agreement does not purport to be complete and is qualified in its entirety by reference to the actual Employment Agreement, a copy of which is filed as Exhibit 10.14, and is incorporated herein by reference.
    </div>
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    <div style="line-height: 11.4pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt; font-weight: bold;">Item&#160;9.01&#160; Financial Statements and Exhibits</div>

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    <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">(d)</td>

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            <div style="font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Exhibits</div>
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    <div style="text-indent: -18pt; margin-left: 54pt; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"><a href="prov8knr102523ex1013.htm">10.13</a>&#160;&#160;<a href="prov8knr102523ex1013.htm">Transition Agreement with Craig G. Blunden</a></div>

    <div style="text-indent: -18pt; margin-left: 54pt; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"><a href="prov8knr102523ex1014.htm">10.14</a>&#160;
      <a href="prov8knr102523ex1014.htm">Employment Agreement with Donavon P. Ternes</a></div>

    <div style="text-indent: -36pt; margin-left: 72pt; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"><a href="prov8knr102523exh991.htm">99.1</a>&#160;
      &#160; <a href="prov8knr102523exh991.htm">News release regarding the transition of Craig G. Blunden and the promotion of Donavon P. Ternes</a></div>

    <div style="text-indent: -36pt; margin-left: 72pt; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">104&#160; &#160;&#160; Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101)</div>

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    <div style="line-height: 11.4pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt; font-weight: bold; text-align: center;">SIGNATURES</div>

    <div style="text-indent: 36pt; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf
      by the undersigned hereunto duly authorized.</div>

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            <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Date: October 31, 2023</div>
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            <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">&#160;&#160;&#160;</div>
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            <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
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            <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">/s/ Donavon P. Ternes</div>
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<TYPE>EX-10.13
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<FILENAME>prov8knr102523ex1013.htm
<TEXT>
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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 10.13</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div style="text-align: center; line-height: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><u>TRANSITION AGREEMENT</u></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">THIS TRANSITION AGREEMENT (the &#8220;Agreement&#8221;) is made and entered into as of this 26th day
      of October, 2023 by and among Provident Savings Bank, F.S.B. (the &#8220;Bank&#8221;), Provident Financial Holdings, Inc., the holding company of the Bank (the &#8220;Company&#8221;), and Craig G. Blunden (&#8220;Blunden&#8221;) (together the &#8220;Parties&#8221;).</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, Blunden is currently Chief Executive Officer of the Bank; and</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Company and the Bank wish to transition Blunden&#8217;s status from Chief Executive
      Officer of the Bank to non-executive Chairman of both the Board of Directors of the Company and the Board of Directors of the Bank (collectively the &#8220;Board of Directors&#8221;) effective January 1, 2024 (the &#8220;Transition&#8221;); and</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, Blunden is amenable to the Transition; and</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Parties agree that the level of services to be performed by Blunden in connection with the Transition
      shall be reduced to the extent that Blunden may be treated as having experienced a separation from service within the meaning of Section 409A (as herein defined) from the Company and the Bank, so that he may receive benefits under the Post-Retirement
      Salary Continuation Agreement between Blunden and the Bank (i.e., generally less than 20% of Blunden&#8217;s current level of services); and</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Parties desire to memorialize the terms of the Transition; and</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Board of Directors have approved the Transition and execution of this
      Transition Agreement.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#160;NOW, THEREFORE, in consideration of the foregoing and of the respective covenants and
      agreements of the Parties herein, it is AGREED as follows:</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">1.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Status</u></font>. Blunden shall provide the services
        contemplated by this Agreement as a non-employee director (&#8220;Non-Employee Director&#8221;) of the Company and the Bank, and not as an employee of either, with Blunden&#8217;s status as a Non-Employee Director of the Company predicated on shareholder approval of
        his re-election to the Board of Directors. While Blunden is a Non-Employee Director of the Company and/or the Bank, as the case may be, he shall serve as non-executive Chairman of the Company Board of Directors and the Bank Board of Directors, as
        the case may be.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">2.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Term</u>.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>This Agreement shall commence on January 1, 2024 (the &#8220;Effective Date&#8221;) and remain in effect while Blunden is a Non-Employee Director of the Company and/or the Bank (generally for one or more three-year
        terms while Blunden is appointed to the Boards, unless Blunden resigns as a Non-Employee Director or dies).</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">3.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Non-Employee Director Services; Committee Service; Amount of Services</u></font>. Blunden shall
        perform all services and possess such powers as are customarily </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">1</font></div>
  </div>
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    </font>
    <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">performed by a Non-Employee Director and a non-executive Chairman of the Board of Directors. Blunden also shall serve as a member of the
        Long-Range Planning Committee at the pleasure of the Board of Directors, and such other committees as appointed by the Board of Directors, provided that Blunden agrees to serve on such other committee(s). Blunden shall devote his best efforts and
        reasonable time and attention to the business and affairs of the Company and the Bank to the extent necessary to discharge his responsibilities hereunder. Notwithstanding the foregoing, the amount of services Blunden is required to perform for the
        Company and the Bank shall not exceed that level that would result in Blunden being treated as if he has not experienced a &#8220;Separation from Service&#8221; (as that phrase is defined in Section 409A of the Internal Revenue Code and the regulations
        thereunder (together &#8220;Section 409A&#8221;), taking into account the presumptions provided for therein), so that Blunden may receive payment under his Post-Retirement Salary Continuation Agreement without violating Section 409A.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">4.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Retainer and Committee Fees; Expenses</u></font>.</font></div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Retainer and Committee Fees</u></font>. For services performed as a Non-Employee Director and
        non-executive Chairman of the Board of Directors of the Company, the Company shall pay Blunden a monthly retainer of no less than $3,700.00. For services performed as a Non-Employee Director and non-executive Chairman of the Board of Directors of
        the Bank, the Bank shall pay Blunden a monthly retainer of no less than $0.00. For services performed as a committee member, the Company and the Bank shall pay Blunden the committee fee(s) payable to members of the committee(s) on which Blunden
        serves, as in effect from time to time.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Expenses</u></font>.
        Blunden shall be entitled to prompt reimbursement for all reasonable and customary expenses incurred by him in performing services under this Agreement, provided that he accounts for such expenses in accordance with the Company and the Bank&#8217;s
        reimbursement policies and procedures. Reimbursed expenses shall include but not be limited to: (1) monthly club dues, (2) the business portion of Blunden&#8217;s monthly club expenses, (3) approved business travel to conferences, and (4) approved
        industry memberships. Reimbursement shall be made at such time and in such manner as necessary to comply with Section 409A.</font></div>
    <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt" class="TRGRRTFtoHTMLTab">&#160;</font><br style="line-height: 13.7pt;">
    </div>
    <div><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">5.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Benefits;
            Automobile and Office Space; Post-Retirement Salary Continuation Agreement; Club Membership</u></font>.</font></div>
    <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt" class="TRGRRTFtoHTMLTab">&#160;</font><br style="line-height: 13.7pt;">
    </div>
    <div><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Participation

            in Benefit, Equity and Fringe Benefit Plans.</u></font> Blunden may participate in any benefit, fringe benefit, or equity compensation plan of any type offered by the Company or the Bank to Directors (in accordance with the terms of such
        plans). Blunden shall be solely responsible for the payment of all of his (and his family, if applicable) medical, dental, life insurance, tax preparation premiums and other costs and expenses.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Automobile and Office Expenses</u></font>. During the term of this Agreement, Blunden shall have
        use of an automobile, and use of office space and related </font></div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">2</font></div>
  </div>
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  </div>
  <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><br>
    </font>
    <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">secretarial/administrative services, in each case provided by the Company or the Bank at its expense, and each as appropriate taking into
        account Blunden&#8217;s position as non-executive Chairman of the Board of Directors of the Company and/or the Bank.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </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;">(c)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Salary Continuation Agreement</u></font>. Blunden shall be entitled to
        payment under the Post-Retirement Salary Continuation Agreement between Blunden and the Bank in accordance with its terms.</font></div>
    <div style="line-height: 13.7pt; font-size: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; line-height: 13.7pt;"><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 72pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;">(d)</font><font style="display: inline-block; text-indent: 0px; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: 'Times New Roman',Times,serif;"><u>Transfer of Club
            Membership</u></font>. As soon as practical after the Effective Date, the Company shall transfer to Blunden its membership interest in Victoria Club. The Company and Blunden agree that the value of this club membership at the time of transfer
        shall be $5,000 and will be treated as taxable compensation to Blunden upon completion of the transfer.</font></div>
    <div style="line-height: 13.7pt; font-size: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">6.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Regulatory Provisions</u></font>. The following
        provisions shall apply to the extent required.</font></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;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Temporary Suspension or Prohibition</u></font>. If Blunden is suspended
        and/or temporarily prohibited from participating in the conduct of the&#160; Bank's affairs by a notice served under Section 8(e)(3) or (g)(1) of the Federal Deposit Insurance Act (&#8220;FDIA&#8221;), 12 U.S.C. Section 1818(e)(3) and (g)(1), the Bank's obligations
        under this Agreement shall be suspended as of the date of service, unless stayed by appropriate proceedings. If the charges in the notice are dismissed, the&#160; Bank may in its discretion (i) pay Blunden all or part of the remuneration withheld while
        its obligations under this Agreement were suspended and (ii) reinstate in whole or in part any of its obligations which were suspended, all in a manner that does not violate Section 409A.</font></div>
    <div style="line-height: 13.7pt; font-size: 12pt;"><br style="line-height: 13.7pt;">
    </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;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Permanent Suspension or Prohibition</u></font>. If the Blunden&#160; is removed
        and/or permanently prohibited from participating in the conduct of the Bank&#8217;s affairs by an order issued under Section 8(e)(4) or (g)(1) of the FDIA, 12 U.S.C. Section 1818(e)(4) and (g)(1), all obligations of the Bank under this Agreement shall
        terminate as of the effective date of the order, but Blunden&#8217;s vested rights shall not be affected.</font></div>
    <div style="line-height: 13.7pt; font-size: 12pt;"><br style="line-height: 13.7pt;">
    </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;">(c)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Default of the Bank</u></font>. If the Bank is in default (as defined in
        Section 3(x)(1) of the FDIA), all obligations under this Agreement shall terminate as of the date of default, but this provision shall not affect any vested rights of the contracting parties.</font></div>
    <div style="line-height: 13.7pt; font-size: 12pt;"><br style="line-height: 13.7pt;">
    </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;">(d)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Termination by Regulators</u></font>. All obligations under this Agreement
        shall be terminated, except to the extent determined that continuation of this Agreement is necessary for the continued operation of the Bank: (1) by the Comptroller of the Currency (the &#8220;Comptroller&#8221;) or his or her designee, at the time the
        Comptroller enters into an agreement to provide assistance to or on behalf of the Bank under the authority contained in Section 13(c) of the FDIA; or (2) by the Comptroller or his or her designee, at the time the Comptroller approves a supervisory
        merger to resolve problems related to operation of the Bank.&#160; Any rights of the Parties that have already vested, however, shall not be affected by any such action.</font></div>
    <div style="text-align: justify; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 12pt;"><br style="line-height: 13.7pt;">
      </font></div>
  </div>
  <div style="text-align: center;"><font style="font-size: 12pt;"> <br>
    </font></div>
  <div style="text-align: center;"><font style="font-size: 12pt;">3</font></div>
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  </div>
  <div><font style="font-size: 12pt;"><br style="line-height: 13.7pt;">
    </font>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Further Reductions</u></font>. Any payments made to Blunden pursuant to this
        Agreement, or otherwise, are subject to and conditioned upon their compliance with 12 U.S.C. Section 1828(k) and any regulations promulgated thereunder.</font></div>
    <div style="line-height: 13.7pt; font-size: 12pt;"><br style="line-height: 13.7pt;">
    </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;">(f)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Clawback Policy</u></font>. Amounts paid or payable under this Agreement are
        subject to the Company&#8217;s clawback policy as in effect from time to time, the terms and conditions of such policy are hereby incorporated by reference.</font></div>
    <div style="line-height: 13.7pt; 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-family: 'Times New Roman', Times, serif;">7.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Amendments</u></font>. No amendments or additions to this Agreement shall be
        binding unless in writing and signed by the Parties, except as herein otherwise provided.</font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 12pt;"><br style="line-height: 13.7pt;">
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">8.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Severability.</u></font> The provisions of this Agreement shall be deemed
        severable and the invalidity or unenforceability of any provision shall not affect the validity or enforceability of the other provisions hereof.</font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 12pt;"><br style="line-height: 13.7pt;">
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">9.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Governing Law</u></font>. This Agreement shall be governed by the laws of the
        State of California.</font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 12pt;"><br style="line-height: 13.7pt;">
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 13.7pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">10.</font><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab"> &#160;&#160;&#160;&#160; </font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Knowing and Voluntary Agreement</u></font>. Blunden represents and agrees that he has read this Agreement, understands its terms, and that he has the right to
        consult counsel of choice and has either done so or knowingly waives the right to do so. Blunden&#160; also represents that he has had ample time to read and understand the Agreement before executing it and that he enters into this Agreement without
        duress or coercion from any source.</font></div>
    <div style="line-height: 13.7pt; 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-family: 'Times New Roman', Times, serif;">11.</font><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab"> &#160;&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Effect on Existing Employment Agreement</u></font><font style="font-size: 12pt;">. The Parties acknowledge and agree that the Employment Agreement
          between the Bank and Blunden that was entered into on July 28, 2022 (the &#8220;Employment Agreement&#8221;), shall become null and void as of the Effective Date.&#160; For the avoidance of doubt, and without limiting the foregoing, Blunden shall not be entitled
          to additional compensation or benefits in the event of an &#8220;Involuntary Te</font>rmination&#8221; or a &#8220;Change of Control,&#8221; as those terms are defined in the Employment Agreement in effect immediately prior to the Effective Date of this Agreement.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">IN WITNESS WHEREOF, the Parties have executed this Agreement as of the day and year first above written.</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><br style="line-height: 14.15pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">[SIGNATURES ON FOLLOWING PAGE]</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
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          <td style="width: 300.75pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Attest:</td>
          <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">PROVIDENT FINANCIAL </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">HOLDINGS, INC.</div>
          </td>
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          <td style="width: 300.75pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><u>Donavon P. Ternes</u>, Secretary</td>
          <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">By: <u>/s/ Donavon P. Ternes&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
            </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> Its: <u>President, COO, CFO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
            </div>
          </td>
        </tr>

    </table>
    <div style="line-height: 14.15pt;"><br style="line-height: 14.15pt;">
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze922c04193a94cbaa63affa0ae015b77">

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          <td style="width: 300.75pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Attest:</td>
          <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">PROVIDENT SAVINGS BANK, </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">F.S.B.</div>
          </td>
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          <td style="width: 300.75pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><u>Donavon P. Ternes</u>, Secretary</td>
          <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">By: <u>/s/ Donavon P. Ternes&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> Its: <u>President, COO, CFO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
            </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">NON-EMPLOYEE DIRECTOR<br>
            </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
            </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
            </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><u>/s/ Craig G. Blunden&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
            </div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Craig G. Blunden<br>
            </div>
          </td>
        </tr>

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      <div style="text-align: center;"> 5<br>
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<TYPE>EX-10.14
<SEQUENCE>3
<FILENAME>prov8knr102523ex1014.htm
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.14</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: center;"><u>EMPLOYMENT AGREEMENT</u></div>
    <div style="text-align: center; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">THIS EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into effective the <font style="font-family: 'Times New Roman',Times,serif;"><u>1st</u></font> day of <font style="font-family: 'Times New Roman',Times,serif;"><u>January 2024</u></font> by and between Provident Savings Bank, F.S.B. (the "Savings Bank"), and Donavon P. Ternes (the &#8220;Employee&#8221;).&#160;
      References to the &#8220;Company&#8221; mean Provident Financial Holdings, Inc., the holding company of the Savings Bank.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Employee currently serves as President, Chief Operating Officer and Chief Financial Officer of the
      Savings Bank; and</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, effective January 1, 2024 (the &#8220;Effective Date&#8221;), the Employee will perform services for both the Savings
      Bank and the Company as President and Chief Executive Officer of each, where it is anticipated that the Employee will continue to make major contributions to the success of the Savings Bank and the Company; and</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">WHEREAS, the
        board of directors of the Company and the board of directors of the Savings Bank </font><font style="font-size: 12pt;">(collectively, the &#8220;Board of Directors&#8221;, and separately, the &#8220;Company Board of Directors&#8221; and the &#8220;Savings Bank Board of
        Directors&#8221;, respectively) <font style="font-family: 'Times New Roman',Times,serif;">recognize that the possibility of a change in control of the Savings Bank or the Company may occur and that such possibility, and the uncertainty and questions
          which may arise among management, may result in the departure or distraction of key management, including the Employee, to the detriment of the Company, the Savings Bank and their respective stockholders;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Board of Directors believes that it is in the best interests of the Company
      and the shareholders thereof to enter into this Agreement with the Employee, to assure continuity of management of the Company and the Savings Bank; and</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 14.15pt; margin-bottom: 14.15pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WHEREAS, the Board of Directors has approved and authorized the execution of this amended
      Agreement with the Employee.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">NOW, THEREFORE, in consideration of the foregoing and of the respective covenants and agreements of the parties
      herein, it is AGREED as follows:</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">1.&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>Definitions</u></font>.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify; text-indent: .5in;">(a)&#160;&#160; &#8220;Change in Control&#8221; means (i) any &#8220;person,&#8221; as such term is used in Sections 13(d) and 14(d) of the Securities
      Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;) (other than the Company, any Consolidated Subsidiaries (as hereinafter defined), any person (as hereinabove defined) acting on behalf of the Company as underwriter pursuant to an offering who is
      temporarily holding securities in connection with such offering, any trustee or other fiduciary holding securities under an employee benefit plan of the Company, or any corporation owned, directly or indirectly, by the stockholders of the Company in
      substantially the same proportions as their ownership of stock of the Company), is or becomes the &#8220;beneficial owner&#8221; (as defined in Rule 13d-3 under the Exchange Act), directly or indirectly, of securities of the Company representing 25% or more of
      the combined voting power of the Company's then outstanding securities; (ii) individuals who are members of the Board of Directors on the Effective Date (the &#8220;Incumbent Board&#8221;) cease for any reason to constitute at least a majority thereof, <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> any person becoming a director subsequent to the Effective Date whose election was approved by a vote of at least three-quarters of the directors
      comprising the <br>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-indent: 0px; text-align: center;">1<br>
      </div>
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      </div>
    </div>
    <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify; text-indent: .5in;"> <br>
    </div>
    <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify; text-indent: 0px;"> Incumbent Board or whose nomination for election by the Company's stockholders was approved by the nominating
      committee serving under an Incumbent Board or who was appointed as a result of a change at the direction of the Office of&#160; the Comptroller of the Currency (&#8220;OCC&#8221;), shall be considered a member of the Incumbent Board; (iii) the stockholders of the
      Company approve a merger or consolidation of the Company with any other corporation, other than (1) a merger or consolidation which would result in the voting securities of the Company outstanding immediately prior thereto continuing to represent
      (either by remaining outstanding or by being converted into voting securities of the surviving entity) more than 50% of the combined voting power of the voting securities of the Company or such surviving entity outstanding immediately after such
      merger or consolidation or (2) a merger or consolidation effected to implement a recapitalization of the Company (or similar transaction) in which no person (as hereinabove defined) acquires more than 25% of the combined voting power of the Company's
      then outstanding securities; or (iv) the stockholders of the Company approve a plan of complete liquidation of the Company or an agreement for the sale or disposition by the Company of all or substantially all of the Company's assets (or any
      transaction having a similar effect); <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> the term &#8220;Change in Control&#8221; shall not include an acquisition of securities by an employee benefit plan of
      the Savings Bank or the Company or a change in the composition of the Board at the direction of the OCC or the FDIC.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8220;Consolidated Subsidiaries&#8221; means any subsidiary or subsidiaries of the Company (or its successors) that are part of the affiliated group
        (as defined in Section 1504 of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), without regard to subsection (b) thereof) that includes the Savings Bank, including but not limited to the Company.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8220;Date of Termination&#8221; means the date upon which the Employee's employment with the Savings Bank ceases, as specified in a notice of
        termination pursuant to Section 9 of this Agreement or the date a succession becomes effective under Section 11.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8221;Effective Date&#8221; means January 1, 2024.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8220;Involuntary Termination&#8221; means the Employee&#8217;s Separation from Service (i) by the Savings Bank without the Employee's express written
        consent; or (ii) by the Employee by reason of a material diminution of or interference with his duties, responsibilities or benefits, including (without limitation), if the Separation from Service occurs within 30 days of&#160; any of the following
        actions unless consented to in writing by the Employee:&#160; (1) a requirement that the Employee be based at any place other than Riverside, California, or within a radius of 35 miles from the location of the Savings Bank's administrative offices as of
        the Effective Date, except for reasonable travel on Savings Bank business; (2) a material demotion of the Employee (unless such action was effected in order to comply with a regulatory compliance or enforcement requirement); (3) a material
        reduction in the number or seniority of personnel reporting to the Employee or a material reduction in the frequency with which, or in the nature of the matters with respect to which such personnel are to report to the Employee, other than as part
        of a Savings Bank-wide reduction in staff (unless such action was effected in order to comply with a regulatory compliance or enforcement requirement); (4) a reduction in the Employee's Salary (as defined in Section 4) other than (i) as part of an
        overall program applied uniformly and with equitable effect to all members of the senior management of the Savings Bank, or (ii)<font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">&#160;</font>as a result of a material adverse
        change in the Savings Bank&#8217;s financial condition and results of operations, which results in the Savings Bank no longer qualifying as a &#8220;well capitalized&#8221; institution pursuant to applicable regulations, however, such reduced Salary shall be no less
        than 100% of Employee&#8217;s current Salary; (5) a material permanent increase in the required hours of work or the workload of the Employee; or (6) the failure of the Board of Directors (or a successor to the Board of Directors) to elect the Employee
        as President and Chief </font></div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 12pt; text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> 2<br>
      </font></div>
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    </div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Executive Officer of the Savings Bank (or a successor of the Savings Bank) or any action by the Savings Bank Board of
        Directors (or a board of directors of a successor of the Savings Bank) removing the Employee from such office.&#160; The term &#8220;Involuntary Termination&#8221; does not include Termination for Cause, Separation from Service due to death or permanent disability
        pursuant to Section 7(e) of this Agreement, retirement or suspension or temporary or permanent prohibition from participation in the conduct of the Savings Bank's affairs under Section 8 of the Federal Deposit Insurance Act (&#8220;FDIA&#8221;).</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(f)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8220;Section 409A&#8221; means Section 409A of the Code and the regulations and guidance of general applicability issued thereunder.</font></div>
    <div style="text-indent: 72pt;"><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 9pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;"><br style="line-height: 13.7pt;">
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(g)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8220;Separation from Service&#8221; shall have the same meaning as in Section 409A.&#160; For purposes of determining whether the Employee is entitled to
        a payment on account of Involuntary Termination under Section 7(a) or Section 7(d) of this Agreement, the term &#8220;Separation from Service&#8221; shall require the complete cessation of services to the Savings Bank, the Company and all Consolidated
        Subsidiaries.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(h)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#8220;Termination for Cause&#8221; and &#8220;Terminated for Cause&#8221; mean termination of the employment of the Employee with the Savings Bank because of the
        Employee's personal dishonesty, incompetence, willful misconduct, breach of a fiduciary duty involving personal profit, intentional failure to perform stated duties, willful violation of any law, rule, or regulation (other than traffic violations
        or similar offenses) or final cease-and-desist order, or material breach of any provision of this Agreement.&#160; No act or failure to act by the Employee shall be considered willful unless the Employee acted or failed to act with an absence of good
        faith and without a reasonable belief that his action or failure to act was in the best interest of the Company or the Savings Bank. The Employee shall not be deemed to have been Terminated for Cause unless and until there shall have been delivered
        to the Employee a copy of a resolution, duly adopted by the affirmative vote of not less than a majority of the Board of Directors at a meeting of the Board of Directors duly called and held for such purpose (after reasonable notice to the
        Employee, which shall not be less than 30 days notice, and an opportunity for the Employee, together with the Employee's counsel, to be heard before the Board of Directors), stating that in the good faith opinion of the Board of Directors, the
        Employee has engaged in conduct described in the preceding sentence and specifying the particulars thereof in detail, which determination shall be subject to a complete and de novo review as to reasonableness and good faith in accordance with
        Section 17 (dealing with the arbitration of disputes under this Agreement).</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">2.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Term</u></font>.&#160; The term of this Agreement shall be a period of three years
        commencing on the Effective Date, subject to earlier termination as provided herein.&#160; Beginning on the first anniversary of the Effective Date, and on each anniversary thereafter, the term of this Agreement shall be extended for a period of one
        year in addition to the then-remaining term, <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> (i) neither the Employee nor the Savings Bank has given notice to the other in writing at least 90 days prior to
        such anniversary that the term of this Agreement shall not be extended further; and (ii) prior to such anniversary, the Board of Directors explicitly reviews and approves the extension.&#160; References in this Agreement to &#8220;Term&#8221; shall refer to both
        such initial term and such extended terms.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">3.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Employment</u></font>.&#160; The Employee shall be employed as the President and
        Chief Executive Officer of the Savings Bank.&#160; As such, the Employee shall render all services and possess the powers as are customarily performed by persons situated in similar executive capacities and shall have such other powers and duties as the
        Board of Directors may prescribe </font></div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 12pt; text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> 3<br>
      </font></div>
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    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">from time to time.&#160; The Employee shall have full authority to do and perform or cause to be performed all such services,
        acts or things as he shall deem necessary or advisable to manage and conduct the business of the Savings Bank and the Company, including, without limitation, hiring, supervision and termination of employees and consultants, in a manner consistent
        with policies established from time to time by the Board of Directors. The Employee shall also render services to the Company or any subsidiary or subsidiaries of the Company or Savings Bank as requested by the Board of Directors from time to time
        consistent with his executive position.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">During the term of this Agreement the Employee shall devote his best efforts and substantially all of his regular
      business time solely to the business and affairs of the Savings Bank and the Company to the extent necessary to discharge his responsibilities hereunder, including community affairs, charitable matters or other activities that may reasonably be
      expected to benefit the general image of the Savings Bank in the communities it serves, and the Employee shall not provide services on behalf of, or otherwise engage in or promote, any business competitive with that of the Savings Bank or its
      affiliates.&#160; Subject to the foregoing, the Employee may (i) serve on such corporate boards as are approved in a resolution adopted by a majority of the Board of Directors, which approval shall not be withheld unreasonably and (ii) engage in personal
      business and manage personal investments, so long as such activities do not interfere materially with performance of his responsibilities hereunder.&#160; The Employee shall act in accordance with all applicable codes of ethics and similar policies
      approved by the Board of Directors.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">4.&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>Cash Compensation</u></font>.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Salary</u></font>.&#160; The Savings Bank agrees to pay the Employee during the
        term of this Agreement a base salary (the &#8220;Salary&#8221;) in the annualized amount of <font style="font-family: 'Times New Roman',Times,serif;"><u>$500,000</u></font>.&#160; The Salary shall be paid no less frequently than monthly and shall be subject to
        customary tax withholding.&#160; The amount of the Employee&#8217;s Salary shall be increased (but shall not be decreased) from time to time in accordance with the amounts of salary approved by the Board of Directors after the Effective Date.&#160; The amount of
        the Salary shall be reviewed by the Board of Directors at least annually during the term of this Agreement.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Bonuses</u></font>.&#160; The Employee shall be entitled to participate in an
        equitable manner with all other executive officers of the Savings Bank and the Company in such performance-based and discretionary bonuses, if any, as are authorized and declared by the Board of Directors for executive officers.&#160; The Board of
        Directors may also authorize and declare that another or additional performance-based and discretionary bonuses be paid to the Employee, as determined to be appropriate from time to time.&#160; Bonus payments provided for under this Agreement shall be
        paid no later than 2&#189; months after the later of (a) the last day of the Employee&#8217;s taxable year in which he obtains a legally binding right to such payments, or (b) the last day of the Savings Bank&#8217;s taxable year in which the Employee obtains a
        legally binding right to such payments, or at such other time that qualifies the payment as a &#8220;short-term deferral&#8221; exempt under Section 409A.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The Board of Directors reserves the right to modify this bonus clause at any time before the final bonus amount is
      determined.&#160; Additionally, the Savings Bank may seek to recover at any time all or any portion of the bonus paid in the event it discovers (a) unreasonable risk-taking by the employee, (b) risk-taking by the employee not specifically approved by the&#160;
      Board of Directors, (c) actions or omissions by the Employee in conflict with the Bank&#8217;s policies and procedures, or (d) in the event the Savings Bank&#8217;s financial statements are subject to reinstatement due to misconduct, to the extent permitted by
      governing law.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: center;">4<br>
    </div>
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    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Expenses</u></font>.&#160; The Employee shall be entitled to receive prompt
        reimbursement for all reasonable expenses incurred by the Employee in performing services under this Agreement, <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> the Employee accounts for all of such expenses as
        may be required by the Board of Directors.&#160; Reimbursement of expenses shall occur at such time and in such manner as to not violate Section 409A.&#160; Reasonable expenses include, but are not limited to, all customary and reasonable expenses incurred
        for promoting, pursuing or otherwise furthering the business of the Savings Bank, the Company or its Consolidated&#160; Subsidiaries, including but not limited to expenses for travel, entertainment and related matters, attendance at conventions and
        industry related meetings, the cost of trade publications related to financial institutions or otherwise relating to the business of the Savings Bank, the Company or its Consolidated&#160; Subsidiaries.&#160; Without limiting the foregoing, reimbursable
        expenses include dues, fees and assessments with respect to those executive facilities for which the Savings Bank, as of the Effective Date, is making direct payment on behalf of the Employee, or in respect of which the Savings Bank is providing
        the Employee with reimbursement.</font></div>
    <div style="text-align: left; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 12pt;"><br style="line-height: 12pt;">
      </font></div>
    <div style="text-align: left; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">5.&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>Benefits</u></font>.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Participation in Benefit Plans</u></font>.&#160; The Employee shall be entitled to
        participate, to the same extent as executive officers of the Savings Bank generally, in all plans of the Savings Bank and the Company relating to retirement, 401(k), Employee Stock Ownership Plan, group or other life insurance, hospitalization,
        medical and dental coverage, travel and accident insurance, education, cash bonuses, and other retirement or employee benefits or combinations thereof.&#160; In addition, the Employee shall be entitled to be considered for benefits under all stock,
        stock option equity incentive and similar plans in which the Savings Bank's executive officers are eligible or become eligible to participate.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Fringe Benefits</u></font>.&#160; The Employee shall be eligible to participate
        in, and receive benefits under, any other fringe benefit plans or perquisites which are or may become generally available to the Savings Bank's executive officers and their eligible dependents, including but not limited to: (i) any supplemental
        deferred compensation program offered by the Savings Bank or the Company; (ii) a monthly automobile allowance in the amount of <font style="font-family: 'Times New Roman',Times,serif;"><u>$1,000</u></font> (iii) reimbursement of financial planning
        and annual tax return preparation fees incurred at an accounting firm of the Employee's choice; (iv) reimbursement for costs related to or incurred in connection with annual comprehensive physical examinations of the Employee at a facility of his
        choice, including the costs of any additional examinations or diagnostic expense recommended by the examining physician, and (v) supplemental medical, disability or life insurance plans offered generally to the executive officers of the Savings
        Bank.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">6.&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>Vacations; Leave</u></font>.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Vacations</u></font>.&#160; The Employee shall be entitled to a minimum of four
        weeks of annual paid vacation, together with all paid holidays provided by the Savings Bank to its employees or executive officers.&#160; Except as otherwise required by applicable regulatory authorities, such vacation time need not be taken in
        consecutive periods.&#160; The Employee shall be entitled to carry over unused vacation time for a period of up to one year.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Leave</u></font>.&#160; The Employee shall be entitled to voluntary leaves of
        absence, with or without pay, from time to time at such times and upon such conditions as the Board of Directors may determine in its discretion.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt; text-align: center;">5<br style="line-height: 12pt;">
    </div>
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    <div style="text-align: left; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">7.&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>Termination of Employment</u></font>.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Involuntary Termination</u></font>.&#160; A majority of the Board of Directors may
        cause the Employee to experience a Separation from Service at any time, but, except in the case of Termination for Cause, such Separation from Service shall not prejudice the Employee's right to compensation or other benefits under this Agreement.&#160;
        In the event of Involuntary Termination, other than after a Change in Control which occurs during the term of this Agreement, the Savings Bank shall make a lump sum payment to the Employee (or to his spouse, personal representatives, heirs or
        estate should he thereafter become disabled or die) equal to the discounted present value computed using a discount rate equal to the lesser of (i) the then current Enterprise 11<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> District COFI Replacement Index &#8211; Consumer Products
        (Single-Family), or (ii) the prime rate then charged by representative commercial banks as then most recently reported in <font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">The Wall Street Journal</font>) of the
        aggregate future Salary to which the Employee would have been entitled had he continued in the Savings Bank&#8217;s employ for the then remaining Term of this Agreement as defined in Section 2 (i.e., the balance of the initial or extended Term).&#160; Such
        lump sum payment shall be made within 30 days following the date of such Involuntary Termination.&#160;&#160; The payment of Involuntary Termination benefits under this Section 7(a) is subject to the provisions of Sections 7(f) through (p) hereof.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Termination for Cause</u></font>.&#160; &#160; In the event of Termination for Cause,
        the Savings Bank shall pay to the Employee the Salary and provide benefits under this Agreement only through the Date of Termination and shall have no further obligation to the Employee under this Agreement.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Voluntary Termination</u></font>.&#160; The Employee's employment may be
        voluntarily terminated by the Employee at any time upon at least six months' written notice to the Savings Bank or such shorter period as may be agreed upon between the Employee and the Board of Directors.&#160; In the event of such voluntary
        termination, the Savings Bank shall be obligated to continue to pay to the Employee the Salary and provide benefits under this Agreement only through the Date of Termination, at the time such payments are due, and shall have no further obligation
        to the Employee under this Agreement.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Change in Control</u></font>.&#160; In the event of Involuntary Termination within
        12 months after a Change in Control which occurs at any time following the Effective Date while the Employee is employed under this Agreement or on authorized leave, the Savings Bank shall (i) pay to the Employee in a cash lump sum within 30
        business days after the Date of Termination an amount equal to 299% of the Employee's &#8220;base amount&#8221; as defined in Section 280G of the Code, except that &#8220;base amount&#8221; shall be determined by excluding gains attributable to compensation related to
        equity awards provided by the Company and the Savings Bank (e.g., stock option exercises and vesting on restricted stock); and (ii) provide to the Employee during the remaining term of this Agreement substantially the same group life insurance,
        hospitalization, medical, dental, prescription drug and other health benefits, and long-term disability insurance (if any) for the benefit of the Employee and his dependents and beneficiaries who would have been eligible for such benefits if the
        Employee had not suffered Involuntary Termination, on terms substantially as favorable to the Employee, including amounts of coverage and deductibles and other costs to him, as if he had not suffered Involuntary Termination; <font style="font-family: 'Times New Roman',Times,serif;"><u>provided, however</u></font>, that no payment shall be made under this Section 7(d) that would cause the Savings Bank to be "undercapitalized" for purposes of 12 C.F.R. Section 565.4 or any
        successor provision..&#160; The payment of benefits under this Section 7(d) is subject to the provisions of this Section 7(f) through (p) hereof.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt; text-align: center;">6<br style="line-height: 12pt;">
    </div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Death or Disability</u></font>.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Death</u></font>.&#160; This Agreement shall terminate upon the
        Employee's death, except as provided below.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(ii)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Disability</u></font>.&#160; If the Employee becomes entitled to
        benefits under the terms of the then-current disability plan, if any, of the Savings Bank (the "Disability Plan") or becomes otherwise unable to fulfill his duties under this Agreement, he shall be entitled to receive such group and other
        disability benefits, if any, as are then provided by the Savings Bank for executive employees.&#160; In the event of such disability, this Agreement shall not be suspended, except that (i) the obligation to pay the Salary to the Employee shall be
        reduced in accordance with the amount of disability income benefits received by the Employee, if any, pursuant to this paragraph such that, on an after-tax basis, the Employee shall realize from the sum of disability income benefits and the Salary
        the same amount as he would realize on an after-tax basis from the Salary if the obligation to pay the Salary were not reduced pursuant to this Section 7(e); (ii) upon a resolution adopted by a majority of the disinterested members of the Board of
        Directors, the Savings Bank may discontinue payment of the Salary beginning six months following a determination that the Employee has become entitled to benefits under the Disability Plan or otherwise unable to fulfill his duties under this
        Agreement; and (iii) notwithstanding the foregoing, if Employee is 65 years of age or older, payments pursuant to Sections 4(a) and 4(b) of this Agreement shall be discontinued for as long as the Employee is disabled.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">In the event of the Employee's death or disability, or in the event of Employee&#8217;s Separation from
      Service after attaining age 65, the Savings Bank shall continue to provide the following benefits to the Employee, or his estate as applicable: (A) the Savings Bank shall continue in force, without cost to Employee, those life and accidental death
      and dismemberment insurance coverage&#8217;s being provided by the Savings Bank to the Employee and his spouse and his eligible dependents as of the date of such termination, provided that after the Employee's 65<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> birth date such coverage&#8217;s may
      be reduced to reflect any decreases which would have occurred if the Employee continued in the employment of the Savings Bank after his 65<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> birth date (as determined under the coverage schedules for such insurance in place as of the date
      of such termination); (B) the Savings Bank shall continue to provide to the Employee and his eligible dependents medical insurance coverage equivalent in benefits, duration and terms to that provided to the Employee and such persons as of the date of
      such termination; (C) the Savings Bank shall reimburse the Employee for the categories of expense specified in Section 4(c) hereof, <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> the Employee shall obtain
      approval for such expenditures in accordance with policies adopted by the Savings Bank from time to time.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">In the event of the death or disability of the Employee while employed under this Agreement and
      prior to any termination of employment, the Savings Bank shall pay to the Employee's estate, or such person as the Employee may have previously designated in writing, the Salary which was not previously paid to the Employee and which he would have
      earned if he had continued to be employed under this Agreement through the last day of the calendar month in which the Employee died, together with the benefits provided hereunder through such date.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-size: 12pt; text-align: center;"> <br>
    </div>
    <div style="line-height: 12pt; font-size: 12pt; text-align: center;">7<br style="line-height: 12pt;">
    </div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(f)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Temporary Suspension or Prohibition</u></font>.&#160; If the Employee is suspended
        and/or temporarily prohibited from participating in the conduct of the Savings Bank's affairs by a notice served under Section 8(e) (3) or (g) (1) of the FDIA, 12 U.S.C. Section 1818(e) (3) and (g) (1), the Savings Bank's obligations under this
        Agreement shall be suspended as of the date of service, unless stayed by appropriate proceedings.&#160; If the charges in the notice are dismissed, the Savings Bank may in its discretion (i) pay the Employee all or part of the compensation withheld
        while its obligations under this Agreement were suspended and (ii) reinstate in whole or in part any of its obligations which were suspended.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(g)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Permanent Suspension or Prohibition</u></font>.&#160; If the Employee is removed
        and/or permanently prohibited from participating in the conduct of the Savings Bank&#8217;s affairs by an order issued under Section 8(e)(4) or (g) (1) of the FDIA, 12 U.S.C. Section 1818(e)(4) and (g)(1), all obligations of the Savings Bank under this
        Agreement shall terminate as of the effective date of the order, but vested rights of the contracting parties shall not be affected.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(h)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Default of the Savings Bank</u></font>.&#160; If the Savings Bank is in default
        (as defined in Section 3(x)(1) of the FDIA), all obligations under this Agreement shall terminate as of the date of default, but this provision shall not affect any vested rights of the contracting parties.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Termination by Regulators</u></font>.&#160; All obligations under this Agreement
        shall be terminated, except to the extent determined that continuation of this Agreement is necessary for the continued operation of the Savings Bank: (i) by the Comptroller of the Currency (the "Comptroller") or his or her designee, at the time
        the FDIC enters into an agreement to provide assistance to or on behalf of the Savings Bank under the authority contained in Section 13(c) of the FDIA; or (ii) by the Comptroller or his or her designee, at the time the Comptroller or his or her
        designee approves a supervisory merger to resolve problems related to operation of the Savings Bank or when the Savings Bank is determined by the Comptroller to be in an unsafe or unsound condition.&#160; Any rights of the parties that have already
        vested, however, shall not be affected by any such action.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(j)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Reductions of Benefits</u></font>. Notwithstanding any other provision of
        this Agreement, if payments and the value of benefits received or to be received under this Agreement, together with any other amounts and the value of benefits received or to be received by the Employee, would cause any amount to be nondeductible
        by the Savings Bank or any of the Consolidated Subsidiaries for federal income tax purposes pursuant to or by reason of Section 280G of the Code, then payments and benefits under this Agreement shall be reduced (not less than zero) to the extent
        necessary so as to maximize amounts and the value of benefits to be received by the Employee without causing any amount to become nondeductible pursuant to or by reason of Section 280G of the Code.&#160; The Employee shall determine the allocation of
        such reduction among payments and benefits to the Employee.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(k)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Further Reductions</u></font>.&#160; Any payments made to the Employee pursuant to
        this Agreement, or otherwise, are subject to and conditioned upon their compliance with 12 U.S.C. Section 1828(k) and FDIC regulation 12 C.F.R. Part 359, Golden Parachute and Indemnification Payments.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(l)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>No Duty To Mitigate</u></font>.&#160; If the Employee shall be entitled to receive
        compensation or benefits under this Agreement after his termination of employment, the Employee shall have no duty to mitigate such payments by seeking or obtaining other employment or otherwise.&#160; In the event the Employee obtains other employment,
        any amounts otherwise due hereunder shall not be reduced as a result of the Employee&#8217;s receipt of compensation from such other employment, except that the Savings Bank&#8217;s obligations to provide the benefits described in </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 12pt; text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> 8<br>
      </font></div>
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    </div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Section 7(d)(ii) shall be limited to the cost to the Employee, if any, of obtaining any benefits needed to make the
        benefits provided by the new employer comparable to those previously provided by the Savings Bank.&#160; Any payments due to the Employee pursuant to the preceding sentence shall be made within 30 days after the Savings Bank's receipt of suitable
        evidence that the Employee will be required to incur or has incurred an expense in order to obtain the benefits contemplated hereby.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(m)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Resumption of Suspended Benefits</u></font>.&#160;&#160; Benefits suspended pursuant to
        Sections 7(f) through (k) that are later determined to be payable shall be paid as soon as possible after the Savings Bank determined that such benefits may be paid.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(n)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Delay in Payment of Certain Benefits</u></font>.&#160; No payment shall be made
        under Section 7(a) or 7(d) unless the Employee experiences a Separation from Service.&#160; If and to the extent payments under Section 7(a) or 7(d) constitute deferred compensation (and not a short-term deferral) under Section 409A, and the Employee is
        a &#8220;specified employee&#8221; (as defined in Section 409A), then those deferred compensation payments shall be delayed for six months following the Employee&#8217;s Separation from Service. Any payments delayed on account of the preceding sentence shall be paid
        on the first day of the seventh month following the date of the Employee&#8217;s Separation from Service and shall equal the aggregate of the deferred compensation payments the Employee would have received but for the preceding sentence with interest
        credited using the discount rate set forth in Section 7(a). To the extent permitted by Section 409A, such deferred compensation payments shall be treated as paid after amounts that are treated as involuntary termination payments under a separation
        pay plan (which are not subject to Section 409A and or the delayed distribution rules described herein).</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(o)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Clawback Policy</u></font>.&#160;&#160; Amounts paid or payable under this Agreement
        are subject to the Company and the Savings Bank&#8217;s clawback policy as in effect from time to time. To the extent the Employee is subject to a clawback policy, the terms and conditions of such policy(ies) are hereby incorporated by reference.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(p)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>No Duplicative Payments.</u></font>&#160; If amounts are paid under Section 7(a),
        then no amounts shall be paid under Section 7(d), and vice versa.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">8.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Post-Termination Obligations</u></font>.&#160; For one year following any
        termination of the Employee&#8217;s employment under this Agreement, the Employee will not directly or indirectly, in any capacity: (i) hire or employ, directly or indirectly through any enterprise with which he is associated, any current employee or
        consultant of the Savings Bank, or any of the Savings Bank&#8217;s parent companies, subsidiaries or affiliates, or any individual who had been employed by, or served as a consultant to, the Savings Bank or any of the Savings Bank&#8217;s affiliates; (ii)
        shall not recruit, solicit or induce (or in any way assist another person or enterprise in recruiting, soliciting or inducing), directly or indirectly, any person who is an employee or consultant of the Savings Bank or any of the Savings Bank&#8217;s
        parent companies, subsidiaries or affiliates at the time of Employee&#8217;s termination, or who was, within 6 months prior to such termination, an employee or consultant of the Savings Bank, to terminate his or her employment or other relationship
        therewith; and (iii) shall not make use of, divulge or disclose, directly or indirectly, any trade secret or other confidential information concerning the business or policies of the Savings Bank or of any of its affiliates, which he learned of as
        a result of his employment by the Savings Bank except to the extent that (A) such use or disclosure is necessary to the performance of this Agreement and in furtherance of the Savings Bank&#8217;s best interests, required by applicable law, necessary to
        the defense of the Employee in any legal proceeding, or is </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 12pt; text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> 9<br>
      </font></div>
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    </div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">authorized by the Savings Bank, or (B) such information is lawfully obtainable from other sources.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; margin-right: 31.5pt; margin-left: 36pt; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NOTICE:&#160; Notwithstanding the foregoing nondisclosure obligations, pursuant
      to 18 USC Section 1833(b), the Employee shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (1) in confidence to a federal, state, or local government official,
      either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law; or (2) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under
      seal.&#160; Additionally, an individual who files a lawsuit for retaliation by an employer for reporting a suspected violation of law may disclose the trade secret to the attorney of the individual and use the trade secret information in the court
      proceeding, if the individual: (a) files any document containing the trade secret under seal; and (b) does not disclose the trade secret, except pursuant to court order.<font style="font-family: 'Times New Roman',Times,serif;">&#160;</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">9.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Notice of Termination</u></font>.&#160; In the event that the Savings Bank desires
        to terminate the employment of the Employee during the Term of this Agreement, the Savings Bank shall deliver to the Employee a written notice of termination, stating whether such termination constitutes Termination for Cause or Involuntary
        Termination, setting forth in reasonable detail the facts and circumstances that are the basis for the termination, and specifying the date upon which employment shall terminate, which date shall be at least 90 days after the date upon which the
        notice is delivered, except in the case of Termination for Cause.&#160; In the event that the Employee determines in good faith that he has experienced an Involuntary Termination, he shall send a written notice to the Savings Bank stating the
        circumstances that constitute such Involuntary Termination and the date upon which his employment shall have ceased due to such Involuntary Termination.&#160; In the event that the Employee desires to affect a voluntary Termination, he shall deliver a
        written notice to the Savings Bank, stating the date upon which employment shall terminate, which date shall be at least 90 days after the date upon which the notice is delivered, unless the parties agree to a date sooner.</font></div>
    <div style="text-align: left; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 12pt;"><br style="line-height: 12pt;">
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">10.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Attorneys' Fees</u></font>.&#160; The Savings Bank shall pay all legal fees and
        related expenses (including the costs of experts, evidence and counsel) incurred by the Employee as a result of (i) the Employee's contesting or disputing any termination of employment, or (ii) the Employee's seeking to obtain or enforce any right
        or benefit provided by this Agreement or by any other plan or arrangement maintained by the Savings Bank (or a successor) or the Consolidated Subsidiaries under which the Employee is or may be entitled to receive benefits; <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> the Savings Bank's obligation to pay such fees and expenses is subject to the Employee's prevailing with respect to the matters in dispute in any action initiated by
        the Employee.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">11.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>No Assignments</u></font>.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">This Agreement is personal to each of the parties hereto, and no party may assign or delegate any of its rights or obligations hereunder
        without first obtaining the written consent of the other party; <font style="font-family: 'Times New Roman',Times,serif;"><u>provided, however,</u></font> that the Savings Bank shall require any successor or assign (whether direct or indirect, by
        purchase, merger, consolidation or otherwise) by an assumption agreement in form and substance satisfactory to the Employee, to expressly assume and agree to perform this Agreement in the same manner and to the same extent that the Savings </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 12pt; text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> 10<br>
      </font></div>
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    </div>
    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Bank would be required to perform it, if no such succession or assignment had taken place.&#160; Failure to obtain such an
        assumption agreement prior to the effectiveness of any such succession or assignment shall be a breach of this Agreement and shall entitle the Employee to compensation and benefits from the Savings Bank in the same amount and on the same terms as
        the compensation pursuant to Section 7(d) of this Agreement.&#160; For purposes of implementing the provisions of this Section 11(a), the date on which any such succession becomes effective shall be deemed the Date of Termination.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">This Agreement and all rights of the Employee hereunder shall inure to the benefit of and be enforceable by the Employee's personal and
        legal representatives, executors, administrators, successors, heirs, distributees, devisees and legatees.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">12.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Notice</u></font>.&#160; For the purposes of this Agreement, notices and all other
        communications provided for in this Agreement shall be in writing and shall be deemed to have been duly given when personally delivered or sent by certified mail, return receipt requested, postage prepaid, to the Savings Bank at its home office, to
        the attention of the Board of Directors with a copy to the Secretary of the Savings Bank, or, if to the Employee, to such home or other address as the Employee has most recently provided in writing to the Savings Bank.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">14.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Headings</u></font>.&#160; The headings used in this Agreement are included solely
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    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">15.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Severability</u></font>. The provisions of this Agreement shall be deemed
        severable and the invalidity or unenforceability of any provision shall not affect the validity or enforceability of the other provisions hereof.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">16.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Governing Law</u></font>. This Agreement shall be governed by the laws of the
        State of California.</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">17.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Arbitration</u></font>.&#160; Any dispute or controversy arising under or in
        connection with this Agreement shall be settled exclusively by arbitration in accordance with the rules of the American Arbitration Association then in effect.&#160; Judgment may be entered on the arbitrator's award in any court having jurisdiction.&#160;
        The OCC may appear at any arbitration hearing but the decision is not binding on the OCC.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">18.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Deferral of Non-Deductible Compensation</u></font>. In the event that the
        Employee's aggregate compensation (including compensatory benefits which are deemed remuneration for purposes of Section 162(m) of the Code) from the Savings Bank and the Consolidated Subsidiaries for any calendar year exceeds the maximum amount of
        compensation deductible by the Savings Bank or any of the Consolidated Subsidiaries in any calendar year under Section 162(m) of the Code (the "maximum allowable amount"), then any such amount in excess of the maximum allowable amount shall be
        mandatorily deferred with interest thereon at 8% per annum to a calendar year such that the amount to be paid to the Employee in such calendar year, including deferred amounts and interest thereon, does not exceed the maximum allowable amount.&#160;
        Subject to the foregoing, deferred amounts including interest thereon shall be payable at the earliest time permissible.&#160; Deferred amounts under this Section 18 shall be paid during </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
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    <div style="line-height: 12pt; text-align: center;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> 11<br>
      </font></div>
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    <div style="line-height: 12pt; text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the first taxable year during which it is determined that Section 162(m) of the Code would not apply to defer the payment,
        or as required under Section 409A.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">19.</font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-family: 'Times New Roman',Times,serif;"><u>Knowing and Voluntary Agreement.</u></font>&#160; Employee represents and agrees
        that he has read this Agreement, understands its terms, and that he has the right to consult counsel of choice and has either done so or knowingly waives the right to do so.&#160; Employee also represents that he has had ample time to read and
        understand the Agreement before executing it and that he enters into this Agreement without duress or coercion from any source.</font></div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: center;">* * * * *</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year first above written.</div>
    <div style="line-height: 12pt; font-size: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: justify; text-indent: 50.4pt; line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES.<font style="display: inline-block; text-indent: 0px; width: 12pt;" class="TRGRRTFtoHTMLTab">&#160;</font></div>
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          <td style="width: 300.8pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Attest:</td>
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            <div style="font-family: 'Times New Roman',Times,serif;">PROVIDENT SAVINGS BANK, F.S.B.</div>
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    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z770bc53f5c144ca9babd47ed0e8dad1a">

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          <td style="width: 300.8pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">/s/ Gwendolyn L. Wertz<br>
          </td>
          <td style="width: auto; vertical-align: top; text-align: justify; font-size: 12pt;">
            <div style="font-family: 'Times New Roman',Times,serif;">By:&#160; <u>/s/ Craig. G. Blunden&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
            </div>
            <div style="font-family: 'Times New Roman',Times,serif;"> <br>
            </div>
            <div style="font-family: 'Times New Roman',Times,serif;">Its:&#160; <u>CEO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
            </div>
            <div style="font-family: 'Times New Roman',Times,serif;"><u> <br>
              </u></div>
            <div style="font-family: 'Times New Roman',Times,serif;"><u> <br>
              </u></div>
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              <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify;">EMPLOYEE</div>
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              </div>
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              <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify;"><u>/s/ Donavon P. Ternes&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
              </div>
              <div style="line-height: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify;">Donavon P. Ternes<br>
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<TYPE>EX-99.1
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 99.1</font><br>
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            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">3756 Central Avenue</div>
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            <div style="text-align: right; line-height: 22.8pt; font-family: 'Times New Roman', Times, serif; font-size: 18pt; font-weight: bold;">NEWS RELEASE</div>
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            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Riverside, CA 92506</div>
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            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">(951) 686-6060</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ANNOUNCES CEO SUCCESSION</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;">Riverside, Calif. &#8211; October 25, 2023 &#8211; Provident Financial Holdings, Inc. (&#8220;Company&#8221; or &#8220;Provident&#8221;), NASDAQ GS:
      PROV, the holding company for Provident Savings Bank, F.S.B. (&#8220;Bank&#8221; or &#8220;Provident&#8221;), today announced that Craig G. Blunden, Chairman and Chief Executive Officer (&#8220;CEO&#8221;), is retiring from his management positions as CEO of the Company and the Bank
      effective January 1, 2024.&#160; Mr. Blunden will transition from serving as CEO and will become non-executive Chairman of the Board of the Company and Bank subsequent to his retirement from executive management duties and responsibilities.&#160; In
      conjunction with Mr. Blunden&#8217;s retirement, Donavon P. Ternes will be appointed President and CEO of the Company and Bank effective January 1, 2024.&#160; Mr. Ternes will continue to serve in his current role as President, Chief Operating Officer, and
      Chief Financial Officer until January 1, 2024.&#160; The Company and Bank is in the process of identifying the successor to Mr. Ternes for the Chief Financial Officer position and will provide further information in a subsequent announcement once the
      details have been finalized.&#160; The Chief Operating Officer position will remain unfilled subsequent to January 1, 2024.</div>
    <div style="line-height: 13.7pt;"><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;">Mr. Blunden commented, &#8220;Management succession is a significant responsibility of the Board of Directors and
      reflects many years of thoughtful consideration about the future leadership of Provident.&#160; Donavon has been with Provident for 23 years, holding key leadership positions, including the last 12 as President of the Company and Bank in addition to his
      other duties and responsibilities.&#160; We are confident that Provident, with Donavon&#8217;s leadership and the remarkable abilities of his colleagues, will continue our community banking focus which is conservative, and easily understood, and has served our
      local customers and communities very well.&#160; Donavon understands and embraces the fact that we are a true community bank.&#8221;&#160; Mr. Blunden went on to say, &#8220;It has been my privilege to serve Provident for over 49 years and I look forward to continuing my
      association with Provident as non-executive Chairman.&#8221;</div>
    <div style="line-height: 13.7pt;"><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;">Mr. Ternes commented, &#8220;It is hard to overstate Craig&#8217;s achievements with Provident over his 49-year career
      including his instrumental role in connection with the conversion from a federally chartered mutual savings bank to a federally chartered capital stock savings bank and the simultaneous issuance of common stock in the public offering in June 1996.&#160;
      Just as important, Craig has an extensive background of community service in the Inland Empire and has served on several boards and committees in the financial services industry.&#160; Perhaps most distinguished was his appointment by the Federal Reserve
      Board to a two-year term on the Thrift Institutions Advisory Council in Washington, D.C., and his election by banking industry colleagues to the board of directors of the Federal Home Loan Bank of San Francisco where he served for 16 years.&#160; His
      steady leadership and dedication have served our constituencies well, and I am pleased that his wisdom and insight will be retained as he fulfills his duties as non-executive Chairman.&#8221;&#160; Mr.</div>
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    </div>
    <div style="line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; text-align: justify;">Ternes continued, &#8220;I appreciate the Board&#8217;s confidence in me to lead Provident and I&#8217;m proud to be part of our 67-year history.&#8221;</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="text-align: justify; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">About Provident</div>
    <div style="line-height: 13.7pt;"><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;">With over $1.3 billion in total assets and 13 retail banking centers, Provident is the largest independent
      community bank headquartered in Riverside County, California, and has been serving the financial needs of its community since 1956.&#160; Provident&#8217;s community banking operations primarily consist of accepting deposits from customers and businesses within
      the communities surrounding its full-service offices and investing those funds in single-family, multi-family, commercial real estate, construction, commercial business, consumer, and other loans.</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Safe-Harbor Statement</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Certain matters in this News Release may constitute forward-looking statements within the meaning of the Private
      Securities Litigation Reform Act of 1995.&#160; These forward-looking statements may relate to, among others, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market,
      potential future credit experience, and statements regarding the Company&#8217;s mission and vision. These forward-looking statements are based upon current management expectations, and may, therefore, involve risks and uncertainties. The Company&#8217;s actual
      results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements as a result of a wide range of factors including, but not limited to, the general business environment, interest
      rates, the California real estate market, competitive conditions between banks and non-bank financial services providers, regulatory changes, and other risks detailed in the Company&#8217;s reports filed with the Securities and Exchange Commission,
      including its Annual Report on Form 10-K for the fiscal year ended June 30, 2023.</div>
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          <td style="width: 40.81%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Contact:</div>
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          <td style="width: 40.81%; vertical-align: top;">
            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 50%; vertical-align: bottom;">
            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Donavon P. Ternes</div>
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            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Chairman and</div>
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            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">President, Chief Operating Officer,</div>
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          <td style="width: 9.19%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.81%; vertical-align: top;">
            <div style="text-align: left; line-height: 13.7pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Chief Executive Officer</div>
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<TYPE>EX-101.SCH
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<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
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  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>prov-20231025_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.5.1.5152 Broadridge-->
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.23.3</span><table class="report" border="0" cellspacing="2" id="idm139804424632368">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 25, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 25,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-28304<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">PROVIDENT FINANCIAL HOLDINGS, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001010470<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">33-0704889<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">3756 Central Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Riverside<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">92506<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">951<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">686-6060<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">PROV<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
