13D Filing: Stilwell Joseph and Provident Financial Holdings, Inc. (PROV)

2. Shared power to vote or to
direct vote: 314,940

3. Sole power to dispose or to
direct the disposition: 0

4. Shared power to dispose or
to direct disposition: 314,940

Item 6. Contracts, Arrangements, Understandings or Relationships
With Respect to Securities of the Issuer

Other than the Amended
Joint Filing Agreement filed as Exhibit 8 to this Seventh Amendment, there are no contracts, arrangements, understandings or relationships
among the persons named in Item 2 hereof and between such persons and any person with respect to any securities of the Issuer,
including but not limited to transfer or voting of any of the securities, finders’ fees, joint ventures, loan or option arrangements,
puts or calls, guarantees of profits, divisions of profits or losses, or the giving or withholding of proxies, except for sharing
of profits. Stilwell Value LLC, in its capacity as general partner of Stilwell Value Partners VII, Stilwell Activist Fund, and
Stilwell Activist Investments, and Joseph Stilwell, in his capacities as the managing member and owner of Stilwell Value LLC, are
entitled to an allocation of a portion of profits.

See Items 1 and 2 above regarding disclosure
of the relationships between members of the Group, which disclosure is incorporated herein by reference.

Item 7. Material to be Filed as Exhibits