Your use of this web site is expressly conditioned on your acceptance of the following terms and conditions. If you do not agree with any part of the following terms and conditions, you must not use this site. Use by you of this site indicates your agreement to the following terms and conditions. These terms and conditions shall apply regardless of the means by which the site was accessed, including, but not limited to, through the URL address http://www.providential.com, electronic mail, or links from another site.

In consideration of use of this web site, you agree to (a) provide true, accurate and complete information about yourself as prompted by any information submission forms on this web site (the “Service”), and (b) to maintain and update this information to keep it true, accurate, current and complete. If any information provided by you is untrue, inaccurate, not current or incomplete, Providential has the right to cease doing business with you and refuse any and all current and future use of the Service.

You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer and modem.

GOVERNING LAW. This Agreement and its performance shall be governed by the laws of the state of Illinois, United States of America without giving effect to applicable conflict of law provisions. You consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in Cook County, the State of Illinois, United States of America, in all questions and controversies arising out of your use of this web site and this Agreement.

Providential Bancorp, Ltd. controls and maintains this site from the United States of America and makes no representation that materials are appropriate or available for use in other locations. If visitors use this site from other locations, visitors are responsible for compliance with applicable local laws.

OWNERSHIP. PROVIDENTIAL, including its successors, affiliates and assigns now existing or hereafter organized (collectively, “PROVIDENTIAL”) is the owner of all copyrights, trade secrets, patents or other intellectual property rights in this web site and/or each of its computer software modules, except for the portions that may be owned by PROVIDENTIAL’s various third party providers and distributors. PROVIDENTIAL does not waive any of its proprietary rights therein, including but not limited to copyrights, trademarks, and other intellectual property rights. You may not disassemble, decompile, reverse engineer or otherwise derive source code from the software, reproduce, distribute, publish, license, modify, create derivative works from, transfer, sell, rent or lease any information, software products or services obtained from this site without the express written permission of PROVIDENTIAL and/or its third party providers and distributors as may be designed by PROVIDENTIAL from time to time, except the reasonable copying or printing of the contents for individual, non-commercial use where permitted by law. The availability of any contents through this web site shall not constitute a transfer of any copyrights, trademarks, or other intellectual property rights of PROVIDENTIAL to any web site user or any third party. This web site and its contents are protected by U.S. and international copyright laws, both as individual works and as a compilation. You may not delete any copyright or similar notice from any contents you obtain from this web site.

6. EXCLUSION OF WARRANTY. ALTHOUGH PROVIDENTIAL HAS TRIED TO PROVIDE ACCURATE AND TIMELY INFORMATION, THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THE INFORMATION HEREIN IS CHANGED PERIODICALLY. PROVIDENTIAL AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THIS WEB SITE WITHOUT NOTICE AT ANY TIME. PROVIDENTIAL AND/OR ITS THIRD PARTY PROVIDERS AND DISTRIBUTORS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND.

PROVIDENTIAL AND/OR ITS THIRD PARTY PROVIDERS AND DISTRIBUTORS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE PRODUCTS, AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT. IN NO EVENT SHALL PROVIDENTIAL AND/OR ITS THIRD PARTY PROVIDERS AND DISTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE PRODUCTS AND SERVICES OBTAINED OR PROPOSED TO BE OBTAINED THROUGH THIS WEB SITE, INCLUDING, BUT NOT LIMITED TO, ANY USE OF OR INABILITY TO USE ANY DATA IN THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF PROVIDENTIAL AND/OR ITS THIRD PARTY PROVIDERS AND DISTRIBUTORS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF, HOWEVER, DESPITE THE EXCLUSIONS CONTAINED IN THIS PARAGRAPH, PROVIDENTIAL AND/OR ITS THIRD PARTY PROVIDERS AND DISTRIBUTORS SHOULD BE FOUND LIABLE FOR ANY LOSS OR DAMAGE WHICH ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH ANY OF THE FUNCTIONS OR USES OF THIS WEB SITE, THE LIABILITY OF PROVIDENTIAL AND/OR ITS THIRD PARTY PROVIDERS AND DISTRIBUTORS SHALL NOT EXCEED THE AMOUNT OF ANY SUBSCRIPTION FEES AND/OR SERVICE CHARGES PAID BY CLAIMANT TO PROVIDENTIAL FOR THE SERVICES AND/OR DATE WITH RESPECT TO WHICH LIABILITY IS FOUND.

LINKS TO THIRD-PARTY SITES. This web site may contain hyperlinks to web sites operated by parties other than PROVIDENTIAL. Such hyperlinks are provided for your reference only. PROVIDENTIAL does not monitor or control such web sites and is not responsible for their contents. Your use of such sites is governed by the terms and conditions set forth by such third party, and PROVIDENTIAL is not a party to such agreement. PROVIDENTIAL is not liable for any damage whatsoever which may arise as a result of your use of such third-party sites. PROVIDENTIAL’s inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites, any assumption of liability, or any association with their operators.

Links to this web site are not permitted without the express written consent of PROVIDENTIAL.

INDEMNIFICATION. You shall defend and indemnify PROVIDENTIAL and its affiliates, third party providers, and distributors from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your use of the Service or the placement or transmission of any message, information, software or other materials through the Service by you or other users of your account.

MODIFICATION. PROVIDENTIAL may modify these terms and conditions at any time and your continued use of this site will be conditioned upon the terms and conditions in force at the time of your use.

ADDITIONAL TERMS. Additional terms and conditions may apply to purchases of goods and services and other uses of portions of this web site, and you agree to abide by such other terms and conditions.

SEVERABILITY. These terms and conditions shall be deemed severable. In the event that any provision is determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability for any other remaining provisions.

HEADINGS. The heading used in these Terms and Conditions are included for convenience only and will not limit or otherwise affect these Terms and Conditions.

ENTIRE AGREEMENT. The terms and conditions set forth above constitute the entire agreement between us relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing.