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 <div align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="2">If
 you do not wish to receive email from Bargain Bazaar, please Click Here:<br>
 <a href="http://www.m-ul.com/e/unsub.cgi?l=9997&m=1736394363">UNSUBSCRIBE</a>
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 <p align="left"><a href="http://www.m-ul.com/e/c.cgi?j=20011120_53&e=1736394363&r=u608&d=6&p=1"><img src="http://www.m-ul.com/email/images/html110301/email_header_1001.gif" width="550" height="247" border="0" alt="GetSmart offers more customers the smart chip advantage!"></a></p>
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 <p><font face="Arial, Helvetica, sans-serif" size="2" color="#000066">At
 GetSmart<sup>sm</sup>, we think every customer deserves
 a smart offer. That&#146;s why we&#146;re adding a
 smart chip to every GetSmart Visa&reg; card, including
 our GetSmart Visa Platinum, Gold AND Classic card!
 <br>
 </font></p>
 <p><font face="Arial, Helvetica, sans-serif" size="3" color="#660000"><b>Apply
 for GetSmart Visa and get it all:<br>
 <br>
 &#149; 1.9% INTRODUCTORY APR on purchases<font size="2" color="000066">
 </font></b></font><font size="2"><font face="Arial, Helvetica, sans-serif" color="000066">(Please
 scroll down for more complete pricing information
 and Important Terms and Conditions.)</font></font><font size="2" face="Arial, Helvetica, sans-serif" color="000066"></font><font face="Arial, Helvetica, sans-serif" size="3" color="#660000"><b><br>
 &#149; SMART CHIP in every card<br>
 &#149; 30-SECOND online response<br>
 &#149; ONLINE ACCOUNT ACCESS and more!</b></font><font face="Arial, Helvetica, sans-serif" size="2" color="#000066"><b><br>
 </b><br>
 <b><font size="3" color="#660000">In just 30 seconds,</font><font size="3">
 </font></b>you could be on your way to the new GetSmart
 Visa card! </font></p>
 <p><font face="Arial, Helvetica, sans-serif" size="2" color="#000066"><a href="http://www.m-ul.com/e/c.cgi?j=20011120_53&e=1736394363&r=u608&d=6&p=2">CLICK
 TO APPLY!</a></font></p>
 <p><font face="Arial, Helvetica, sans-serif" size="2" color="#000066">Plus,
 GetSmart gives you more than the smart chip card that
 prepares you for added convenience and security in
 the future! GetSmart is also a one-stop marketplace
 for your financial needs&#151;from auto loans and
 mortgages to savings products<font size="3">.</font></font></p>
 <p><font face="Arial, Helvetica, sans-serif" size="2" color="#000066">Thank
 you.</font></p>
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 <font size="2"><br>
 <font face="Arial, Helvetica, sans-serif">The introductory
 rate on purchases is for 2 or 3 billing periods after
 account opening depending upon the account for which
 you qualify. For more complete pricing information,
 see <a href="http://www.m-ul.com/e/c.cgi?j=20011120_53&e=1736394363&r=u608&d=6&p=3">Important
 Terms and Conditions</a> for GetSmart Visa.</font></font>
 <p><font size="2" face="Arial, Helvetica, sans-serif">You
 must be a U.S. resident and at least 18 years of age
 to apply. This offer may not be available to current
 Providian credit card customers and employees of Providian.
 GetSmart Visa is currently available in all U.S. states
 except Wisconsin.</font></p>
 <p><font size="2" face="Arial, Helvetica, sans-serif">
 If you previously asked to be excluded from GetSmart
 or Providian product offerings and solicitations,
 we apologize for this e-mail. Every effort was made
 to ensure that you were excluded from our database.
 If you wish to be removed from future GetSmart e-mail
 promotions, click <a href="http://www.m-ul.com/e/c.cgi?j=20011120_53&e=1736394363&r=u609&d=6&p=4">REMOVE
 ME</a>.</font></p>
 <p><font size="2" face="Arial, Helvetica, sans-serif">Providian
 National Bank - Member FDIC<br>
 Providian Bank - Member FDIC</font></p>
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