from 10-K 18 pages 10-K

from 10-K 2 pages Amendment No. 1 to 2000 Stock Incentive Plan

from 10-K 4 pages Restricted Stock Award Description Dated November 25, 2001 Restricted Stock Award Description Dated January 2, 2002 Amendment to Restricted Stock Award Description, Dated November 7, 2003

from 10-K 4 pages Providian Financial Corporation Management Incentive Plan

from 10-K 2 pages 2005 Amendment to the Providian Financial Corporation Deferred Compensation Plan for Senior Executives and Directors (As Amended and Restated Effective April 1, 1999) Effective as of January 1, 2005

from 10-K 6 pages Providian Financial Corporation Non-Qualified Supplemental Defined Contribution Plan (As Amended and Restated Effective June 11, 1997) 2005 Amendment to the Providian Financial Corporation Non-Qualified Defined Contribution Plan (As Amended and Restated Effective June 11, 1997) Effective as of January 1, 2005 Providian Financial Corporation Non-Qualified Supplemental Defined Contribution Plan Amended and Restated Effective June 11, 1997 Preamble

from 10-K 3 pages Computation of ratios

from 10-K 2 pages Subsidiaries of the registrant

from 10-K 2 pages Consent of expert or counsel

from 10-K 2 pages Management certification of annual or quarterly disclosure

from 10-K 2 pages Management certification of annual or quarterly disclosure

from 10-K 2 pages Management certification of financial report

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