1,000,000,000 CREDIT AGREEMENT Dated as of January 12, 1999 among PROVIDIAN NATIONAL BANK, and PROVIDIAN BANK, as Borrowers, PROVIDIAN FINANCIAL CORPORATION, as Guarantor, THE LENDERS NAMED HEREIN, as Lenders and THE CHASE MANHATTAN BANK as...Credit Agreement • March 31st, 1999 • Providian Financial Corp • Short-term business credit institutions • New York
