X0202 4 2007-02-06 0 0001010470 PROVIDENT FINANCIAL HOLDINGS INC PROV 0001180895 SCHRADER ROBERT G 3756 CENTRAL AVENUE RIVERSIDE CA 92506 1 0 0 0 Option to Purchase 28.31 2007-02-06 4 A 0 10300 0 A 2008-02-06 2017-02-06 Common Stock 10300 27800 D Mr. Schrader has previously been granted 17,500 options to acquire 17,500 shares of common stock under Provident's 1996 Stock Option Plan and 2003 Stock Option Plan. 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. Schrader has been granted 10,300 options to acquire 10,300 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/Robert G. Schrader 2007-02-07