X0202 4 2007-02-06 0 0001010470 PROVIDENT FINANCIAL HOLDINGS INC PROV 0001180896 GALE RICHARD L 3756 CENTRAL AVENUE RIVERSIDE CA 92506 0 1 0 0 Senior Vice President Common Stock, Par Value $0.01 2007-02-06 4 A 0 4000 0 A 94215 D Option to Purchase 28.31 2007-02-06 4 A 0 8000 0 A 2008-02-06 2017-02-06 Common Stock 8000 22000 D Includes direct ownership of 80,110 shares which includes the restricted stock award granted on February 6, 2007 from the 2006 Equity Incentive Plan vesting over a five-year period in equal installments beginning on February 6, 2008; and, indirect ownership of 1,793 shares in Mr. Gale's 401(K) Plan and 12,312 shares in Mr. Gale's Employee Stock Ownership Plan account. Mr. Gale has previously been granted 14,000 options to acquire 14,000 shares of common stock under Provident's 1996 and 2003 Stock Option Plans. The grants vest ratably over a five-year period and expire in ten years. As a result of the activity described in this notice, Mr. Gale has been granted 8,000 options to acquire 8,000 shares of common stock under Provident's 2006 Equity Incentive Plan. The grant vests ratably over a five-year period and expires in ten years. /s/Richard L. Gale 2007-02-07