Short Selling Disclosure

JGD Management Corp.
                  

Form TR-4. FSA Version 1.0 September 2008

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TR-4(1):  Disclosure of Short Position relating to UK Financial Sector Company(2)
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1. Full name of person(s) holding the disclosable short      JGD Management Corp.
 position(3):
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2: Name of the issuer of the relevant securities             Provident Financial Plc
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3: Disclosable short position(4)                             1.77%
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4. Date that disclosable short position was held             10/29/08
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(1) This form, or the information contained within it, should be disclosed via
an RIS using the short code SSD.

(2 )This form relates to the disclosure of short positions in compliance with
the FSA's Short Selling (NO2) Instrument and the related FAQ document on the
FSA's website.

(3 )Specify the owner or controller of the interest. The naming of nominees or
vehicle companies is insufficient. In the case of positions held by fund
managers on behalf of discretionary clients, the clients need not be named.
Positions may be aggregated in some cases. See FAQ document for further details.

(4) Figure to be expressed as a percentage of issued share capital. Disclosable
short position is defined in the Glossary of Definitions in the FSA Handbook.
Positions must be disclosed on a net basis of all holdings. All financial
instruments that represent a direct interest or direct economic interest in the
relevant issuer must be included within such holdings.