Press Release

Provident Financial Holdings Inc. Announces the Annual Meeting of Shareholders

Company Release - 11/22/2002 9:00 AM ET
Riverside, California November 22, 2002 (Business Wire)

Provident Financial Holdings Inc. (PROV) today announced that the annual meeting of shareholders of the corporation will be held at the Riverside Art Museum located at 3425 Mission Inn Ave., Riverside, Calif. on Tuesday, Jan. 28, 2003 at 3 p.m. local time.

The purpose of the meeting is to elect directors, ratify the appointment of independent auditors for the current fiscal year and to consider and act upon such other matters as may properly come before the meeting.

Provident Financial Holdings Inc., Riverside
Craig G. Blunden or Donavon P. Ternes, 909/686-6060