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Information for shareholders

1 Financial calendar – final dividend

  2009 Final
Dividend announced 2 March 2010
Annual general meeting 5 May 2010
Ex-dividend date for ordinary shares 12 May 2010
Record date for the dividend 14 May 2010
Payment date of the dividend 21 June 2010

2 Share price

Information on our share price is available on the company's website, www.providentfinancial.com and on Ceefax on BBC1/BBC2. Information is also available, at a cost, from FT Cityline (telephone: 09058 171 690).

The share price is also listed in a number of daily newspapers.

3 Individual Savings Account (ISA)

Shareholders may take out an ISA which includes shares in the company with a provider of their choice. However, the company has made arrangements for its shareholders and employees with Redmayne Bentley for the provision of an ISA. Shareholders who are eligible and who wish to take advantage of this should contact Redmayne Bentley, Merton House, 84 Albion Street, Leeds LS1 6AG (telephone: 0113 200 6433).

4 Tax on dividends

A UK tax resident individual shareholder who receives a dividend is entitled to a tax credit in respect of the dividend.

The tax credit is 1/9th of the dividend (corresponding to 10% of the dividend and the associated tax credit).

A UK tax resident individual shareholder is therefore treated as having paid tax at 10% on the aggregate of the dividend and the associated tax credit; as starting and basic rate taxpayers are liable to tax on the dividend and the associated tax credit at 10%, they will have no further liability to tax in respect of the dividend. UK tax resident individuals cannot claim a refund of the 10% tax credit.

The tax liability on dividends for UK tax resident higher rate taxpayers is an amount equal to 32.5% of the aggregate of the dividend and the associated tax credit less the tax credit. This equates to a liability for additional tax equal to 25% of the dividend.

5 Registrar

5.1 The registrar deals with all matters relating to transfers of ordinary shares in the company and with enquiries concerning holdings. The registrar is: Capita Registrars, Northern House, Woodsome Park, Fenay Bridge, Huddersfield, West Yorkshire, HD8 0GA, telephone: 0871 664 0300 (calls cost 10p a minute plus network extras, lines are open 8.30am-5.30pm Mon-Fri).

5.2 The registrar's website is www.capitaregistrars.com. This will give you access to your personal shareholding by means of your investor code (which is printed on your share certificate). A range of services is available to shareholders including: setting up or amending dividend bank mandates; proxy voting and amending personal details. Most services will require a user ID and password which will be provided on registration.

6 Special Requirements

A black and white large text version of this document (without pictures) is available on request from the Company Secretary at the address below. A fully accessible html version of the annual report and financial statements is also available on our website which renders all of the text readable by voice browsers and screen readers.

7 Advisers

Independent auditors

PricewaterhouseCoopers LLP

Financial advisers and stockbrokers

JPMorgan Cazenove

Registrar

Capita Registrars

Solicitors

Addleshaw Goddard LLP
Allen & Overy LLP
Eversheds LLP
Slaughter and May

8 Company details

Registered office and contact details:

Provident Financial plc
Colonnade
Sunbridge Road
Bradford
BD1 2LQ

telephone: +44 (0)1274 731111
fax: +44 (0)1274 727300
email: enquiries@providentfinancial.com
website: www.providentfinancial.com

Company number

668987