THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

Provident Financial Group, Inc. (Retired) (PFGI.X)

3/15/2004 10K Information

In 2003, Provident received $270,000 from AFG in connection with an expense sharing arrangement for a cafeteria operated by Provident for the employees of both companies. AFG provides security guard and surveillance services at Provident's main office for which Provident was charged $100,000 in 2003. In 2003, AFG provided property and liability insurance for which Provident was charged $184,000. Provident leases its main banking and corporate offices from a trust for the benefit of a subsidiary of AFG. Provident was charged rent under the leases of $3,254,000 in 2003. During 2003, Provident paid $871,000 to the Cincinnati Reds for advertising, tickets and suite rental. Carl H. Lindner is chief executive officer and part owner of the Reds.

Certain of the principal shareholders, directors and executive officers of Provident maintain investments in Provident commercial paper and repurchase agreements. The average month-end commercial paper balances for such persons (including commercial paper held by corporations they control, members of their immediate families and trusts for their benefit) for 2003 were as follows: Carl H. Lindner, $3,309,000; Keith E. Lindner, $1,603,000; and siblings of Carl H. Lindner, $399,000. The average repurchase agreement balances for such persons for 2003 were as follows: AFG, $6,133,000.

Loans and lines of credit were extended by Provident Bank in 2003 to certain of Provident's executive officers, directors, principal shareholders, affiliates of such persons and to members of their families. Management believes that such loans and lines of credit were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons and do not involve more than the normal risk of collectibility or present other unfavorable features. During 2003, the highest month-end outstanding balances of loans to principal shareholders of Provident and their related interests were as follows: AFG, $1,136,000; Carl H. Lindner, $855,000; siblings of Carl H. Lindner, $9,157,000; and S. Craig Lindner, $2,550,000. In addition, Provident Bank had loans outstanding to three companies in which AFG or members of the Lindner family held minority ownership interests during 2003. The highest month-end outstanding balances of these loans during 2003 were $39,952,000.

In 2003, Provident received a loan payment and fees of $3,442,000 from a customer as a result of an investment in preferred stock and warrants for common stock of the customer by AFG.

4/30/2003 Proxy Information

In 2002, Provident received $150,000 from AFG in connection with an expense sharing arrangement for a cafeteria operated by Provident for the employees of both companies. AFG provides security guard and surveillance services at Provident's main office for which Provident was charged $100,000 in 2002. In 2002, AFG provided record retention services for Provident for which Provident was charged $114,000 and provided property and liability insurance for which Provident was charged $612,000. Provident leases its main banking and corporate offices from a trust for the benefit of a subsidiary of AFG. Provident was charged rent under the leases of $3,778,000 in 2002.

Certain of the principal shareholders, directors and executive officers of Provident maintain investments in Provident commercial paper and repurchase agreements. The average month-end commercial paper balances for such persons (including commercial paper held by corporations they control, members of their immediate families and trusts for their benefit) for 2002 were as follows: Carl H. Lindner, $10,115,000; Keith E. Lindner, $6,646,000; siblings of Carl H. Lindner, $2,588,000; and Philip R. Myers, $88,000. The average repurchase agreement balances for such persons for 2002 were as follows: AFG, $12,051,000; and S. Craig Lindner $1,657,000.

Loans and lines of credit were extended by Provident Bank in 2002 to certain of Provident's executive officers, directors, principal shareholders, affiliates of such persons and to members of their families. Management believes that such loans and lines of credit were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons and do not involve more than the normal risk of collectibility or present other unfavorable features. During 2002, the highest month-end outstanding balances of loans to principal shareholders of Provident and their related interests were as follows: AFG, $1,643,000; Carl H. Lindner, $2,854,000; siblings of Carl H. Lindner, $13,302,000; Keith E. Lindner, $62,000; and S. Craig Lindner, $2,270,000. In addition, Provident Bank had loans outstanding to three companies in which AFG or members of the Lindner family held minority ownership interests during 2002. The highest month-end outstanding balances of these loans during 2002 were $29,537,000