PROVIDENT FINANCIAL HOLDINGS INC

A Final Word

This year, Provident proudly celebrates the 70 th anniversary of its founding, serving the great city of Riverside and its surrounding communities. As the largest independent community bank headquartered in Riverside County, I am proud of our distinguished history as a trusted provider of banking services. Just as importantly, I am proud of the commitment demonstrated throughout our organization to strengthen the communities we serve through volunteer service, charitable support and community investment. As we look to the year ahead and beyond,

I want to assure you that the Board, management team and employees of Provident remain dedicated to carrying forward the Company’s reputation and legacy, just as we have since our founding. We will remain true to our community banking roots and focus on serving the families and small businesses of the Inland Empire. That heritage is central to who we are, and we intend to build on it in the years to come.

In closing, I would like to recognize and thank our employees and Directors for their commitment and service to Provident. Their efforts make our success possible. I also extend my sincere appreciation to our customers, shareholders, and the communities we serve for the confidence you place in us. Our continued success depends on the trust you place in Provident, and we are grateful for the opportunity to serve you.

Sincerely,

/s/ Craig G. Blunden

Craig G. Blunden

Chairman of the Board of Directors