X0201 3 2003-10-28 0 0001035713 PROVIDIAN FINANCIAL CORP PVN 0001266692 BOTCHELLER JOHN J 201 MISSION STREET SAN FRANCISCO CA 94105 0 1 0 0 Executive VP of Finance Common Stock 25000 D Stock Option (Right to Buy) 8.77 2004-07-29 2013-07-29 Common Stock 100000.00 D The option vests in three equal annual installments beginning on July 29, 2004. /s/ Botcheller, John J. 2003-10-29