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Agreements & Disclosures

Terms of Use

Progressive Bank provides the materials contained on our site on the World Wide Web (the "Site") as a service to our customers and visitors. Progressive Bank requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. Progressive Bank may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to Progressive Bank include its affiliates, directors, and employees.

Laws and Regulations

User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. Louisiana law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

Copyright and Trademark Information

The information contained at the Site, including but not limited to text and images herein (other than certain images licensed from third parties) and their arrangement, are copyright by Progressive Bank. All rights reserved.

Progressive Bank and its logo are trademarks of Progressive Bank. All other trademarks are property of Progressive Bank unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, estoppel, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of Progressive Bank or of any third party.

You are authorized by Progressive Bank to copy, transmit or display any information registered or owned by Progressive Bank on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without Progressive Bank's prior written consent.

The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties.

Limitation of Liabilities and Warranties

INFORMATION ON THE SITE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The information contained at the Site may include technical inaccuracies or typographical errors. Progressive Bank from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. Progressive Bank assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

IN NO EVENT SHALL PROGRESSIVE BANK BE LIABLE FOR ANY PUNITIVE, SPECIAL, DIRECT, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THE SITE AND THE INFORMATION CONTAINED AT THE SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).

Marketing

Regardless of whether you have chosen to opt out of certain marketing offers from Progressive Bank, by using Progressive Bank Online you agree that we may market our services and the services of other companies on the Site through the use of banner ads, "hyper-links," and other similar marketing devices. Products offered will be at the sole discretion of Progressive Bank, and may be provided by companies not affiliated with Progressive Bank. Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. Progressive Bank does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

Links to Other Internet Web Sites

Some of the Web sites listed as links herein are not under the control of Progressive Bank, but rather are exclusively controlled by third parties. Accordingly, Progressive Bank makes no representations whatsoever concerning such Web sites. Although Progressive Bank may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by Progressive Bank with respect to such Web site, its owners or its providers. Progressive Bank is providing these links only as a convenience to you. Progressive Bank has not tested any information, products or software found on such Web sites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL PROGRESSIVE BANK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Feedback

Any comments or materials sent to Progressive Bank, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively "Feedback"), shall be deemed to be the property of Progressive Bank. Progressive Bank's use of the Feedback will be in compliance with the Progressive Bank Privacy Policy, which is set forth on the Site, and applicable laws. Progressive Bank shall have no additional obligations with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, Progressive Bank shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback. Application information submitted to Progressive Bank shall be treated confidentially to the extent required by applicable law or as disclosed in the application.

Forward-Looking Statements Information or statements provided by Progressive Bank from time to time at the Site or otherwise may contain certain "forward-looking statements." Statements that are not historical facts, including statements about Progressive Bank's beliefs and expectations, are forward-looking statements. Forward-looking statements include information relating to growth in earnings per share, returns on equity, growth in managed loans outstanding and customer accounts, net interest margins, funding costs, operations costs and employment growth, marketing expense, delinquencies and charge offs. Such forward-looking statements may be identified by the use of terminology such as may, will, expect, anticipate, intend, plan, believe, estimate, goal, target, forecast, project, continue or similar expressions and may involve certain risks or uncertainties and are qualified in their entirety by the cautionary statements provided below. These cautionary statements are being made pursuant to the provisions of the Private Securities Litigation Reform Act of 1995 (the Act) and with the intention of obtaining the benefits of the safe harbor provisions of the Act for any such forward-looking information. Progressive Bank cautions investors not to place undue reliance on any forward-looking statements, as they speak only of Progressive Bank's views as of the date the statement was posted at the Site. Progressive Bank cautions readers that any forward looking information is not a guarantee of future performance and that actual results could differ materially due to various factors, including but not limited to the following: continued intense competition from numerous providers of products and services which compete with Progressive Bank's businesses; with respect to financial products, changes in Progressive Bank's aggregate accounts or consumer loan balances and the growth rate thereof, including changes resulting from factors such as shifting product mix, amount of actual marketing expenses made by Progressive Bank and attrition of accounts and loan balances; an increase in credit losses (including increases due to a worsening of general economic conditions); Progressive Bank's ability to continue to securitize its credit cards and consumer loans and to otherwise access the capital markets at attractive rates and terms to fund its operations and future growth; difficulties or delays in the development, production, testing and marketing of new products or services; losses associated with new products or services or expansion internationally; financial, legal, regulatory or other difficulties that may affect investment in, or the overall performance of, a product or business, including changes in existing laws to regulate further the credit card and consumer loan industry and the financial services industry, in general (including the flexibility of financial services companies to use and share data); the amount of, and rate of growth in, Progressive Bank's expenses (including salaries and associate benefits and marketing expenses) as Progressive Bank's business develops or changes or as it expands into new market areas; the availability of capital necessary to fund Progressive Bank's new businesses; the ability of Progressive Bank to build the operational and organizational infrastructure necessary to engage in new businesses or to expand; the ability of Progressive Bank to recruit experienced personnel to assist in the management and operations of new products and services; Progressive Bank wishes to caution investors that other factors in the future may prove to be important in affecting Progressive Bank's results of operations. New factors may emerge from time to time and it is not possible for management to predict all of such factors, nor can it assess the impact of each such factor on the business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.
References to Analysts Although Progressive Bank may reference or provide a list of analysts at the Site, such references or lists are not an authorization, endorsement, sponsorship or affiliation by Progressive Bank of or to any such firms or analysts. Progressive Bank is providing these references only as a convenience to you. Progressive Bank expressly disclaims any intent to incorporate by reference any statements, reports or other information provided by such firms or analysts.

Violations of Terms and Conditions

Progressive Bank reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS PROGRESSIVE BANK FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.