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Provident Investment Counsel is providing the information on this web site subject to the following terms. PLEASE READ:

Conditions of Use

By using this site, you signify your assent to the following conditions of use without limitation or qualification.

PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS SITE. PROVIDENT INVESTMENT COUNSEL MAY AT ANY TIME REVISE THESE TERMS AND CONDITIONS BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

By accessing other web sites through links provided by Provident you also agree to the following terms and conditions. The material available on these sites has been produced by independent providers that are not affiliated with Provident. Any opinions or recommendations expressed are solely those of the independent providers and are not the opinions or recommendations of Provident.

Disclaimer of Warranty

The materials on www.provnet.com are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Provident Investment Counsel disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Provident Investment Counsel does not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or other harmful components. Provident Investment Counsel does not warrant or make any representations regarding the use or the results of the use of the materials on this web site in terms of their correctness, accuracy, timeliness, reliability, or otherwise. You (and not Provident Investment Counsel) assume the entire cost of all necessary servicing, repair, or correction.

Limitation of Liability

Although Provident Investment Counsel uses reasonable efforts to include accurate and up to date information on this web site, errors or omissions sometimes occur. Provident Investment Counsel makes no warranties or representations as to the accuracy of this web site. Under no circumstances, including, but not limited to, negligence, shall Provident Investment Counsel nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if Provident Investment Counsel or a Provident Investment Counsel authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Provident Investment Counsel's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.

Provident Investment Counsel also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the web site or your downloading of any materials, data, text, images, video, or audio from this web site.

You agree to indemnify and hold harmless Provident Investment Counsel and the independent providers/transmitters for (1) any inaccuracy, error, or delay in, or omission of (a) any Information, or (b) the transmission or delivery of Information; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of Information due either to any negligent act or omission by Provident Investment Counsel or providers/transmitters of Information or to any "force majeure" (i.e. flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the reasonable control of Provident Investment Counsel or the Information providers/transmitters.

Restrictions on Use of Materials

This site is owned and operated by Provident Investment Counsel, Inc. Permission is granted to display and navigate around this web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this web site or any portion hereof is strictly prohibited.

Except as otherwise permitted by Provident Investment Counsel, no materials from www.provnet.com or any web site owned, operated, licensed or controlled by Provident Investment Counsel may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this web site for noncommercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this web site for public or commercial purposes, including the text, images, audio, and video without Provident Investment Counsel's written permission.

Provident Investment Counsel neither warrants nor represents that your use of materials displayed on this web site will not infringe rights of third parties not owned by or affiliated with Provident Investment Counsel.

Jurisdictional Issues

The information contained in this web site is intended for use by a resident of the United States or a corporation, partnership or other entity governed by U.S. laws. The information pertaining to investment products and services is directed only at those persons in a jurisdiction in which the investment products and services are authorized for distribution. Information is not intended for distribution in any jurisdiction where the adviser is not licensed to distribute products or where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

Trademarks and Copyrights

All trademarks, service marks, trade names, logos, and icons in this site belong to either Provident Investment Counsel, its parent company, Old Mutual (US) Holdings Inc., or its affiliates, except third-party trademarks and service marks, which are the property of their respective owners.

Inquiries concerning use of Provident Investment Counsel's trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to Provident Investment Counsel, Inc., Marketing Communications Department, 300 North Lake Avenue, Penthouse Suite, Pasadena, CA 91101, United States of America.

Images displayed on this web site are either the property of, or used with permission by, Provident Investment Counsel. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Any communications or material you transmit to this web site by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become the property of Provident Investment Counsel. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Provident Investment Counsel is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this web site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
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