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U.S. Consumer Privacy Notice

Last updated: March 2020


FACTSWHAT DOES CIT Bank N.A. (“CIT”) DO WITH YOUR PERSONAL INFORMATION?
Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depends on the product or service you have with us. This information can include:

  • Social Security number and income
  • account balance and payment history
  • transaction history and credit history

When you are no longer our customer, we continue to share your information as described in this notice.

How?All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CIT chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes CIT share?Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesNoWe don't share
For our affiliates' everyday business purposes - information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes - information about your creditworthinessNoWe don't share
For non-affiliates to market to youNoWe don't share
Questions?Call 1-866-206-2711 or go to www.cit.com/privacy
Who we are
Who is providing this notice?CIT Bank, N.A. and its OneWest Bank and CIT Bank Residential Servicing divisions.
What we do
How does CIT protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings
How does CIT collect my personal information?

We collect your personal information, for example, when you:

  • open an account or make deposits
  • pay your bills or apply for a loan
  • give us your contactinformation

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a CIT name such as CIT Group, Inc.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • We do not share with nonaffiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • We do not jointly market

Other important information

California residents: If you are a California resident, we will not share nonpublic persona linformation about you with our afiliates or any nonaffiliated third party, other than as permitted by law or with your consent.

Vermont residents: If you are a Vermont resident, we will not share nonpublic personal financial information about you with our affiliates or any nonaffiliated third party, other than as permitted by law, or with your consent

Nevada residents: Nevada law requires that we provide you with the following contact information regarding "do-not-call" lists: (a) Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Telephone 702-486-3132; email: BCPINFO@ag.state.nv.us; and (b) If you wish to be placed on our internal "do-not-call" list contact CIT Bank, N.A., P.O. Box 7211, Pasadena, CA 91109-7311; Telephone: 800-669-2300; email:Privacy.Questions@cit.com


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