PROVIDENT FINANCIAL HOLDINGS INC

The following table sets forth information with respect to the executive officers of Provident and the Bank:

Biographical Information

Set forth below is certain information regarding the executive officers of the Corporation and the Bank. There are no family relationships among or between any director, executive officer, or person nominated or chosen by the Corporation to become a director or executive officer.

Donavon P. Ternes has served as the President and Chief Executive Officer of the Bank and Corporation since January 2024. On July 23, 2026, he was also appointed to serve on the Board of Directors for the Bank and for the Corporation. Mr. Ternes joined the Bank and the Corporation in 2000 as Senior Vice President and Chief Financial Officer and was appointed Corporate Secretary in April 2003. In January 2008, he was promoted to Executive Vice President and Chief Operating Officer, while continuing to serve as Chief Financial Officer and Corporate Secretary. In June 2011, Mr. Ternes was named President in addition to his roles as Chief Operating Officer, Chief Financial Officer, and Corporate Secretary. Prior to joining the Bank, Mr. Ternes served for more than 11 years as President, Chief Executive Officer, Chief Financial Officer, and Director of Mission Savings and Loan Association.

Peter C. Fan was appointed Senior Vice President, Chief Financial Officer, and Corporate Secretary of Provident and the Bank effective May 12, 2025. Mr. Fan previously served as Senior Vice President – Director of Finance and Treasury at Royal Business Bank since February 2024 and prior to that, as Senior Vice President – Finance at Pacific Western Bank from April 2014 to February 2024. Mr. Fan began his career as a Certified Public Accountant (inactive) with Deloitte & Touche in Los Angeles. Mr. Fan holds a B.S. Accounting from the University of Southern California and a MBA Finance from University of California at Los Angeles.

Robert "Scott" Ritter joined the Bank as Senior Vice President in September 2016 and currently oversees the single-family mortgage operations. Prior to joining the Bank, Mr. Ritter was the Chief Operating Officer at California Mortgage Advisors since November 2011 where he was responsible for overseeing all of California Mortgage Advisors' operations, including product development, underwriting, loan processing and information technology. He has also held positions with increasing responsibilities at mortgage banking firms such as Green Point Financial and its predecessor Headlands Mortgage Company, among others.

Michael S. Van Stockum was appointed Senior Vice President and Chief Lending Officer of the Bank effective July 23, 2026. He joined the Bank in 2007 and most recently served as Vice President, Loan Administrator and Community Reinvestment Act (“CRA”) Officer. In that role, he was responsible for loan administration, credit governance, and portfolio quality across the Bank's commercial, commercial real estate, construction, and multi-family lending portfolios and he directed the Bank’s CRA strategy and initiatives. Prior to joining the Bank, Mr. Van Stockum held lending leadership positions at community banks in the region. He is a graduate of Pacific Coast Banking School.

Gwendolyn L. Wertz joined the Bank as Senior Vice President of Retail Banking in February 2014. Prior to joining the Bank, Ms. Wertz was with CommerceWest Bank, where she was responsible for commercial banking, treasury management and specialty banking services. Ms. Wertz was also with Opportunity Bank, N.A. where she was responsible for the commercial treasury sales and service team. Ms. Wertz has more than 35 years of experience with financial institutions, with a majority in senior management roles. Her experience includes depository growth initiatives, operations, compliance and deposit acquisition management.