X0201 4 2003-12-01 0 0001035713 PROVIDIAN FINANCIAL CORP PVN 0001198812 DE LUZURIAGA FRANCESCA RUIZ 201 MISSION STREET SAN FRANCISCO CA 94105 1 0 0 0 Common Stock 2003-12-01 4 A 0 445.000 A 15478.000 D Grant for which reporting person paid no consideration. Sylvia Yau, Attorney-in-Fact 2003-12-03