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 ANDSecond Supplemental Indenture • February 22nd, 2001 • Providian Financial Corp • Short-term business credit institutions • New York
