0000929624-01-000330 Sample Contracts

EXHIBIT 1 PROVIDIAN FINANCIAL CORPORATION Principal Amount at Maturity Zero Coupon Convertible Notes due 2021 Underwriting Agreement ----------------------
Underwriting Agreement • February 22nd, 2001 • Providian Financial Corp • Short-term business credit institutions • New York
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as Issuer AND
Providian Financial Corp • February 22nd, 2001 • Short-term business credit institutions • New York
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