Information concerning the general development of the registrant's business is incorporated by reference to the information under the captions "Description of Our Business," on pages 2 through 5, and "Regulatory Matters," on pages 6 through 13, of the registrant's Annual Report to stockholders for the year ended December 31, 2004. Information concerning revenues for external customers, a measure of profit or loss and total assets for each of the last three years for each segment is incorporated by reference to the consolidated financial statements of Providian Financial Corporation and subsidiaries,...