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Investor Contact:   Herb Althouse
(704) 383-9404

Contact:   Valarie Harris
(704) 383-7742

April 01, 1998
First Union Announces Sale of $1.1 Billion Credit Card Portfolio

CHARLOTTE-First Union Corp. (NYSE:FTU) announced today that it had signed a definitive agreement to sell a $1.1 billion portfolio of credit card receivables to Providian Financial Corporation (NYSE:PVN) at an undisclosed purchase price. The sale is expected to be completed on or about May 1, 1998.

This non-core portfolio is comprised of accounts that resulted from national credit card solicitations that began in 1994.

"This sale completes our previously announced plans to reposition our portfolio," said Jack M. Antonini, executive vice president for First Union's Consumer Group. "We will continue to build our credit card and other consumer business by deepening relationships with customers within First Union's region."

First Union is the nation's sixth largest banking and financial services company with assets of $157 billion as of December 31, 1997.

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