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
as Issuer AND
Second Supplemental Indenture • February 22nd, 2001 • Providian Financial Corp • Short-term business credit institutions • New York