SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2002 ------------------ Providian National Bank (formerly First Deposit National Bank) on behalf of the Providian Master Trust (formerly the First Deposit Master Trust) -------------------------------------------------------------- (Exact name of registrant as specified in charter) 33-59922 33-84844 33-99462 333-22131 333-55817 United States of America 333-39856 02-0118519 - ------------------------------- ------------- -------------------- (State or other jurisdiction of (Commission (I.R.S. Employer incorporation or organization) File No.) Identification No.) 295 Main Street Tilton, New Hampshire 03276 ----------------------------------------- -------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (603) 286-4348 ----------------- Not Applicable -------------------------------------------------------------- (Former name or former address, if changed since last report) Item 5. Other Events. On January 16, 2002, Providian National Bank issued a press release announcing that it has agreed to sell its interests in the Providian Master Trust to a subsidiary of J.P. Morgan Chase & Co. The press release is attached as Exhibit 99.1, and such Exhibit is incorporated herein by reference. Item 7. Exhibits. Exhibit 99.1 Press Release dated January 16, 2002. Signatures Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this report to be signed on behalf of the Providian Master Trust by the undersigned hereunto duly authorized. PROVIDIAN MASTER TRUST By: PROVIDIAN NATIONAL BANK, Servicer By: /s/ Michael K. Riley ------------------------------ Michael K. Riley Vice President Date: January 18, 2002 EXHIBIT INDEX Exhibit No. Description - ----------- ----------- Exhibit 99.1 Press Release dated January 16, 2002.