X0202 4/A 1998-12-01 1999-01-11 0 0001035713 PROVIDIAN FINANCIAL CORP PVN 0001222056 OWADES RUTH M 201 MISSION STREET SAN FRANCISCO CA 94105 1 0 0 0 Common Stock 1998-12-01 4 X 0 1000 65.00 A 2531.3185 D Included in this total are the 1,000 shares acquired, which were previously reported as indirectly owned. These shares were held as community property and the form of ownership therefore has been changed to Direct. Sylvia Yau, Attorney-in-Fact 2005-03-02