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        <BusinessNameLine1>PROVIDENT BANK CHARITABLE FOUNDATION</BusinessNameLine1>
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        <State>NY</State>
        <ZIPCode>10901</ZIPCode>
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    <Officer>
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      <DateSigned>2013-11-14</DateSigned>
      <AuthorizeThirdParty>true</AuthorizeThirdParty>
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    <Preparer>
      <Name>DONALEE R BERARD</Name>
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      <Phone>8453575668</Phone>
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      <CapitalGainsAndLosses>
        <CapitalGainsAndLossesInfo>
          <DescriptionOfAsset>32,000 SHARES OF PROVIDENT BANCORP STOCK</DescriptionOfAsset>
          <HowAcquired>D</HowAcquired>
          <DateAcquired>2004-01-01</DateAcquired>
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          <CostOrOtherBasis>350016</CostOrOtherBasis>
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        <TaxDue>674</TaxDue>
      </ExciseTaxBasedOnInvestmentIncm>
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        <LegislativePoliticalActivities>false</LegislativePoliticalActivities>
        <MoreThan100Spent>false</MoreThan100Spent>
        <Form1120POLFiled>false</Form1120POLFiled>
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        <ChangesToArticlesOrBylaws>false</ChangesToArticlesOrBylaws>
        <UnrelatedBusIncomeOver1000>false</UnrelatedBusIncomeOver1000>
        <Form990TFiled>false</Form990TFiled>
        <TerminationEtc>false</TerminationEtc>
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        <StatesFiledWith>NY</StatesFiledWith>
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        <ApplicableInsuranceContract>false</ApplicableInsuranceContract>
        <ComplyWithPublicInspectionRqr>true</ComplyWithPublicInspectionRqr>
        <WebsiteAddress>WWW.PROVIDENTBANKING.COM</WebsiteAddress>
        <BooksInCareOfBusinessName>
          <BusinessNameLine1>STEPHANIE YANIGA</BusinessNameLine1>
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          <AddressLine1>400 RELLA BLVD</AddressLine1>
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        <SaleOrExchangeWithDsqflyPerson>false</SaleOrExchangeWithDsqflyPerson>
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      <OfcrDirTrusteesKeyEmployeeInfo>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR Thomas Jauntig</PersonName>
          <USAddress>
            <AddressLine1>400 rella blvd</AddressLine1>
            <City>montebello</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </USAddress>
          <Title>Director</Title>
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          <Compensation>0</Compensation>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR DAN ROTHSTEIN</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </USAddress>
          <Title>EVP</Title>
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          <Compensation>0</Compensation>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR JIM PEOPLES</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </USAddress>
          <Title>EXEC VP</Title>
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          <Compensation>0</Compensation>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR JERRY FILANDRO</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </USAddress>
          <Title>Vice President</Title>
          <AvgHoursPerWkDevotedToPosition>1.00</AvgHoursPerWkDevotedToPosition>
          <Compensation>0</Compensation>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR JACK KOPNISKY</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BVLD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
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          </USAddress>
          <Title>EVP</Title>
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          <Compensation>0</Compensation>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR HAROLD PETERSON</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MS KATHARINE BROWN</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </USAddress>
          <Title>VP &amp; SECRETARY</Title>
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          <Compensation>0</Compensation>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MS LYNNE TRACEY</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
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          <Title>VP &amp; Treasurer</Title>
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          <Compensation>0</Compensation>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR RODNEY WHITWELL</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
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          <Title>EVP</Title>
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          <Compensation>0</Compensation>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>MR DAVID BAGATELLE</PersonName>
          <USAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
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          <Title>EVP</Title>
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          <PersonName>MS STEPHANIE YANIGA</PersonName>
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        <CompOfHighestPaidEmplNONE>NONE</CompOfHighestPaidEmplNONE>
        <CompOfHghstPaidCntrctNONE>NONE</CompOfHghstPaidCntrctNONE>
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        <Description1>GRANTS GIVEN FOR EDUCATIONAL PROGRAMS.</Description1>
        <Expenses1>119992</Expenses1>
        <Description2>COLLEGE SCHOLARSHIPS FOR YOUTH WHO VOLUNTEER IN THEIR COMMUNITY.</Description2>
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          <RecipientName>PROVIDENT BANK CHARITABLE FOUNDATIO</RecipientName>
          <RecipientUSAddress>
            <AddressLine1>400 RELLA BLVD</AddressLine1>
            <City>MONTEBELLO</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </RecipientUSAddress>
          <RecipientPhoneNumber>8453598478</RecipientPhoneNumber>
          <FormAndInfoAndMaterials>1. COMPLETE A 10 PAGE APPLICATION2. COPY OF 501 (C)(3)3. COPY OF MOST RECENT FEDERAL AND STATE TAX RETURNS4. MISSION STATEMENT5. BOARD OF DIRECTOS LIST6. LIST OF MAJOR CORPORATE SPONSORS7. CALENDAR OF EVENTS8. ANNUAL REPORT, IF EXISTS9. RECENT PUBLIC RELATIONS MATERIAL</FormAndInfoAndMaterials>
          <SubmissionDeadlines>2/20 FOR 3/31, 5/20 FOR 6/30, 8/20 FOR 9/30, 11/20 FOR 12/31</SubmissionDeadlines>
          <RestrictionsOnAwards>AWARDS SHOULD ENHANCE QUALITY OF LIFE IN THE COMMUNITIES OF ROCKLAND, ORGANGE, ULSTER, SULLIVAN AND PUTNAM COUNTIES IN NEW YORK AND BERGEN COUNTY IN NEW JERSEY. YOU CANNOT BE A RECIPIENT OF A PROVIDENT CHARITABLE FOUNDATION GRANT FOR THE PRIOR FISCAL YEAR.</RestrictionsOnAwards>
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        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>SUMMER SEARCH NEW YORK CITY</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>90 BROAD STREET SUITE 701</AddressLine1>
            <City>NEW YORK</City>
            <State>NY</State>
            <ZIPCode>10004</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EDUCATIONAL</PurposeOfGrantOrContribution>
          <Amount>6500</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>BOYS GIRLS CLUB OF NEWBURGH</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>285 LIBERTY STREET</AddressLine1>
            <City>NEWBURGH</City>
            <State>NY</State>
            <ZIPCode>12550</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EDUCATIONAL</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>GIRL SCOUTS HEART OF THE HUDSON</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>2 GREAT OAK LANE</AddressLine1>
            <City>PLEASANTVILLE</City>
            <State>NY</State>
            <ZIPCode>10570</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EDUCATIONAL</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>MENTAL HEALTH ASSOCIATION</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>706 EXECUTIVE BLVD</AddressLine1>
            <City>VALLEY COTTAGE</City>
            <State>NY</State>
            <ZIPCode>10989</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>HEALTH AND HUMAN SERVICES</PurposeOfGrantOrContribution>
          <Amount>10000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>11 COLLEGE SCHOLARSHIPS VARIOUS</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>Various</AddressLine1>
            <City>Various</City>
            <State>NY</State>
            <ZIPCode>10901</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EDUCATION</PurposeOfGrantOrContribution>
          <Amount>22000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>NORTH ROCKLAND CENTRAL SCHOOL DISTR</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>PO BOX 495</AddressLine1>
            <City>THIELLS</City>
            <State>NY</State>
            <ZIPCode>10984</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EDUCATION</PurposeOfGrantOrContribution>
          <Amount>3000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>ORANGE REGIONAL MEDICAL CENTER FOUN</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>4 HARRIMAN DR</AddressLine1>
            <City>GOSHEN</City>
            <State>NY</State>
            <ZIPCode>10924</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>HEALTH &amp; HUMAN SERVICES</PurposeOfGrantOrContribution>
          <Amount>20000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>ST THOMAS AQUINAS COLLEGE</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>125 ROUTE 340</AddressLine1>
            <City>SPARKILL</City>
            <State>NY</State>
            <ZIPCode>10976</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EDUCATIONAL</PurposeOfGrantOrContribution>
          <Amount>50000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>UNITED WAY OF RC</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>135 MAIN STREET</AddressLine1>
            <City>NYACK</City>
            <State>NY</State>
            <ZIPCode>10960</ZIPCode>
          </RecipientUSAddress>
          <RecipientRelationship>NONE</RecipientRelationship>
          <RecipientFoundationStatus>P CHAR</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>HEALTH &amp; HUMAN SERVICES</PurposeOfGrantOrContribution>
          <Amount>20492</Amount>
        </GrantOrContriPaidDuringYear>
        <TotGrantOrContriPaidDuringYear>141992</TotGrantOrContriPaidDuringYear>
      </SupplementaryInformation>
      <AnalysisIncomeProducingActy>
        <DividendsAndIntFromSecPartVII>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>77584</ExclusionAmount>
        </DividendsAndIntFromSecPartVII>
        <GainSalesAssetsOthThanInvntry>
          <ExclusionCode>18</ExclusionCode>
          <ExclusionAmount>-75351</ExclusionAmount>
        </GainSalesAssetsOthThanInvntry>
        <SubtotalsPartXVIA>
          <ExclusionAmount>2233</ExclusionAmount>
        </SubtotalsPartXVIA>
        <TotalPartXVIA>2233</TotalPartXVIA>
      </AnalysisIncomeProducingActy>
      <RlnOfActyToAccomOfExemptPrps>
        <RlnOfActyToAccomOfExemptPrps>
          <LineNumber>1</LineNumber>
          <RelationshipStatement>GRANTS MADE TO COMMUNITY NON-PROFIT ORGANIZATIONS FOR SUPPORT OF EDUCATION initiatives that enhance knowledge in specific areas of economics, financial literacy and business</RelationshipStatement>
        </RlnOfActyToAccomOfExemptPrps>
      </RlnOfActyToAccomOfExemptPrps>
      <TrnsfrTrRlnWithNoncharitableEO>
        <TrnsfrOfCashToNoncharitableEO>false</TrnsfrOfCashToNoncharitableEO>
        <TrnsfrOthAssetsNoncharitableEO>false</TrnsfrOthAssetsNoncharitableEO>
        <SalesOrExchangesOfAssets>false</SalesOrExchangesOfAssets>
        <PurchaseAssetsNoncharitableEO>false</PurchaseAssetsNoncharitableEO>
        <RentalOfFacilitiesEtc>false</RentalOfFacilitiesEtc>
        <ReimbursementArrangements>false</ReimbursementArrangements>
        <LoansOrLoanGuarantees>false</LoansOrLoanGuarantees>
        <PerformanceOfServicesEtc>false</PerformanceOfServicesEtc>
        <SharingOfFacilitiesEtc>false</SharingOfFacilitiesEtc>
        <RelationshipsNoncharitableEOs>false</RelationshipsNoncharitableEOs>
      </TrnsfrTrRlnWithNoncharitableEO>
    </IRS990PF>
    <AccountingFeesSchedule documentId="AccountingFeesSchedule" softwareId="12000229" softwareVersion="2012v2.0">
      <AccountingFees>
        <Category>audit fees</Category>
        <Amount>5000</Amount>
        <NetInvestmentIncome>0</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>5000</DisbursementsCharitablePrps>
      </AccountingFees>
    </AccountingFeesSchedule>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="12000229" softwareVersion="2012v2.0">
      <OtherExpenses>
        <Description>TRUST FEES</Description>
        <RevenueAndExpensesPerBooks>7102</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>1431</NetInvestmentIncome>
        <DisbursementsCharitablePrps>6686</DisbursementsCharitablePrps>
      </OtherExpenses>
      <OtherExpenses>
        <Description>STATE AND OTHER ANNUAL FILING FEES</Description>
        <RevenueAndExpensesPerBooks>305</RevenueAndExpensesPerBooks>
        <DisbursementsCharitablePrps>305</DisbursementsCharitablePrps>
      </OtherExpenses>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="TaxesSchedule" softwareId="12000229" softwareVersion="2012v2.0">
      <Taxes>
        <Category>excise tax</Category>
        <Amount>1523</Amount>
      </Taxes>
    </TaxesSchedule>
  </ReturnData>
</Return>