POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned officer and
director of First Deposit National Bank does hereby constitute and appoint Julie
A. Montanari, David J. Petrini, Robert W. Molke and Mary L. Rottman, or any of
them (with full power to each of them to act alone), his true and lawful
attorney-in-fact and agent, with full power of substitution, for him and on his
behalf to sign, execute and file with the Securities and Exchange Commission or
any other regulatory authority any or all amendments (including, without
limitation, post-effective amendments and any amendment) to any registration
statement filed on behalf of the First Deposit Master Trust on Form S-3 under
the Securities Act of 1933, as amended, and to file with the Securities and
Exchange Commission or any other regulatory authority one or more additional
registration statements on Form S-3 for the purpose of increasing, by an amount
not to exceed $5 billion, the amount of securities for which registration is
being sought, in each case with all exhibits and any and all documents to be
filed with respect thereto, granting unto such attorneys-in-fact and agents and
their substitutes, and each of them, full power and authority to execute and
deliver any other agreement, undertaking, document or certificate and to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises in order to effectuate the same as fully to all intents and
purposes as he or she might or could do if personally present, hereby ratifying
and confirming all that such attorneys-in-fact and agents, or any of them, or
their substitute or substitutes, may lawfully do or cause to be done.
Executed on this 8th day of January, 1997.
Signature Title
--------- -----
/s/ Shailesh J. Mehta
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Shailesh J. Mehta Chief Executive Officer and Director
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned officer and
director of Providian National Bank does hereby constitute and appoint Julie A.
Montanari, David J. Petrini, Robert W. Molke and Mary L. Rottman, or any of them
(with full power to each of them to act alone), his true and lawful
attorney-in-fact and agent, with full power of substitution, for him and on his
behalf to sign, execute and file with the Securities and Exchange Commission or
any other regulatory authority any or all amendments (including, without
limitation, post-effective amendments and any amendment) to any registration
statement filed on behalf of the First Deposit Master Trust on Form S-3 under
the Securities Act of 1933, as amended, and to file with the Securities and
Exchange Commission or any other regulatory authority one or more additional
registration statements on Form S-3 for the purpose of increasing, by an amount
not to exceed $5 billion, the amount of securities for which registration is
being sought, in each case with all exhibits and any and all documents to be
filed with respect thereto, granting unto such attorneys-in-fact and agents and
their substitutes, and each of them, full power and authority to execute and
deliver any other agreement, undertaking, document or certificate and to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises in order to effectuate the same as fully to all intents and
purposes as he or she might or could do if personally present, hereby ratifying
and confirming all that such attorneys-in-fact and agents, or any of them, or
their substitute or substitutes, may lawfully do or cause to be done.
Executed on this 8th day of January, 1997.
Signature Title
--------- -----
/s/ Shailesh J. Mehta
- -------------------------
Shailesh J. Mehta Chief Executive Officer and Director
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned officer and
director of First Deposit National Bank does hereby constitute and appoint Julie
A. Montanari, David J. Petrini, Robert W. Molke and Mary L. Rottman, or any of
them (with full power to each of them to act alone), his true and lawful
attorney-in-fact and agent, with full power of substitution, for him and on his
behalf to sign, execute and file with the Securities and Exchange Commission or
any other regulatory authority any or all amendments (including, without
limitation, post-effective amendments and any amendment) to any registration
statement filed on behalf of the First Deposit Master Trust on Form S-3 under
the Securities Act of 1933, as amended, and to file with the Securities and
Exchange Commission or any other regulatory authority one or more additional
registration statements on Form S-3 for the purpose of increasing, by an amount
not to exceed $5 billion, the amount of securities for which registration is
being sought, in each case with all exhibits and any and all documents to be
filed with respect thereto, granting unto such attorneys-in-fact and agents and
their substitutes, and each of them, full power and authority to execute and
deliver any other agreement, undertaking, document or certificate and to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises in order to effectuate the same as fully to all intents and
purposes as he or she might or could do if personally present, hereby ratifying
and confirming all that such attorneys-in-fact and agents, or any of them, or
their substitute or substitutes, may lawfully do or cause to be done.
Executed on this 8th day of January, 1997.
Signature Title
--------- -----
/s/ David B. Smith
- -------------------------
David B. Smith Senior Vice President and Director
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned officer and
director of Providian National Bank does hereby constitute and appoint Julie A.
Montanari, David J. Petrini, Robert W. Molke and Mary L. Rottman, or any of them
(with full power to each of them to act alone), his true and lawful
attorney-in-fact and agent, with full power of substitution, for him and on his
behalf to sign, execute and file with the Securities and Exchange Commission or
any other regulatory authority any or all amendments (including, without
limitation, post-effective amendments and any amendment) to any registration
statement filed on behalf of the First Deposit Master Trust on Form S-3 under
the Securities Act of 1933, as amended, and to file with the Securities and
Exchange Commission or any other regulatory authority one or more additional
registration statements on Form S-3 for the purpose of increasing, by an amount
not to exceed $5 billion, the amount of securities for which registration is
being sought, in each case with all exhibits and any and all documents to be
filed with respect thereto, granting unto such attorneys-in-fact and agents and
their substitutes, and each of them, full power and authority to execute and
deliver any other agreement, undertaking, document or certificate and to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises in order to effectuate the same as fully to all intents and
purposes as he or she might or could do if personally present, hereby ratifying
and confirming all that such attorneys-in-fact and agents, or any of them, or
their substitute or substitutes, may lawfully do or cause to be done.
Executed on this 8th day of January, 1997.
Signature Title
--------- -----
/s/ David B. Smith
- -------------------------
David B. Smith Senior Vice President and Director
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned officers
and/or directors of Providian National Bank does hereby constitute and appoint
Julie A. Montanari, David J. Petrini, Robert W. Molke and Mary L. Rottman, or
any of them (with full power to each of them to act alone), his or her true and
lawful attorney-in-fact and agent, with full power of substitution, for him or
her and on his or her behalf to sign, execute and file with the Securities and
Exchange Commission or any other regulatory authority any or all amendments
(including, without limitation, post-effective amendments and any amendment) to
any registration statement filed on behalf of the First Deposit Master Trust on
Form S-3 under the Securities Act of 1933, as amended, and to file with the
Securities and Exchange Commission or any other regulatory authority one or more
additional registration statements on Form S-3 for the purpose of increasing, by
an amount not to exceed $5 billion, the amount of securities for which
registration is being sought, in each case with all exhibits and any and all
documents to be filed with respect thereto, granting unto such attorneys-in-fact
and agents and their substitutes, and each of them, full power and authority to
execute and deliver any other agreement, undertaking, document or certificate
and to do and perform each and every act and thing requisite and necessary to be
done in and about the premises in order to effectuate the same as fully to all
intents and purposes as he or she might or could do if personally present,
hereby ratifying and confirming all that such attorneys-in-fact and agents, or
any of them, or their substitute or substitutes, may lawfully do or cause to be
done.
Executed on this 14th day of November, 1995.
Signature Title
--------- -----
- -------------------------
Julie A. Montanari Chairman of the Board and Director
(Principal Executive Officer)
- -------------------------
Dianne Peterson President and Director
- -------------------------
David J. Petrini Vice President and Senior Financial
Officer (Principal Financial Officer)
- -------------------------
Daniel Sanford Vice President and Controller
(Principal Accounting Officer)
2
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Clifford Colby Director
- -------------------------
James V. Elliott Director
/s/ Charles D. Bond
- -------------------------
Charles D. Bond Director
- -------------------------
Robert S. Fennerty Director