X0202 4 2004-11-01 0 0000928592 PVF CAPITAL CORP PVFC 0001232614 MALE JEFFREY N 30000 AURORA ROAD SOLON OH 44139 0 1 0 0 Executive V.P. & Secretary Stock Option (Right to Buy) 15.004 2004-11-01 4 A 0 2800 0 A 2004-11-01 2009-11-01 Common Stock 2800 2800 D Options vest at the rate of 20% per year, with the first 20% becoming exerciseable on the date of the grant, November 1, 2004, and each additional 20% becoming exerciseable on the anniversary date thereafter. By: Richard J. Moriarty, Attorney-in-Fact 2004-11-02