In regards to payment fees, the fee for making a payment over the phone will be increased effective November 5, 2001. The fee will be increased to $9.95 and there will no longer be one free payment by phone per year. There continues to be no fee to make a payment online. This service is free to all Providian cardholders. Once registered, payments can be made online at www.providianservices.com. Also, for your convenience, you can enroll in our Recurring Payment program, which is free of charge. Of course, payments can also be sent by mail, either through regular or overnight delivery. We apologize for any confusion our statement insert may have caused.