Factoring, Credit Protection, Accounts Receivable Management and Lending Services North America Banking CIT Commercial Services CIT Commercial Services is one of the nation’s leading providers of factoring and financing to consumer product companies. We tailor financial solutions that help companies of all sizes increase sales, improve cash flow, reduce operating expenses and eliminate customer credit losses. Our clients (vendors) range in size from $2 million to $1 billion in annual sales and sell to a broad range of public and private retailers across the nation and abroad. Our Internet-based platform provides clients with real-time credit approvals and comprehensive accounts receivable information. Companies and private equity firms turn to CIT Commercial Services to: ■■ Increase liquidity ■■ Gain protection against bad debt losses ■■ Reduce expenses by outsourcing credit checking and bookkeeping functions © 2016 CIT Group Inc., CIT and the CIT logo are registered service marks of CIT Group Inc. 1/6/16 Accounts receivable management Asset-based lending –– Revolving lines of credit with advances against accounts receivable and inventory ■■ Gain online real-time access to account balances and activity Mostly privately-held and family owned middle-market companies ■■ Annual sales of $5 million - $750 million ■■ Consumer product companies ■■ B2B companies selling to retailers ■■ Manufacturers, wholesalers, importers and exporters ■■ Companies looking for customer credit risk mitigation strategies Grow their accounts receivable line of credit as their accounts receivables increase Obtain credit protection to help manage large customer credit exposures 5420 LBJ Freeway Dallas, TX 75240 Securities and investment banking services offered through CIT Capital Securities LLC, an affiliate of CIT. –– Benefit from access to our pay history of retailers and wholesalers nationwide ■■ 11 West 42nd Street New York, NY 10036 Domestic and international credit protection and factoring services ■■ 7000 Central Parkway NE, Suite 1200 Atlanta, GA 30328 300 South Grand Avenue Los Angeles, CA 90071 –– Receive pre-approved credit lines for their customers ■■ 134 Wooding Avenue Ballou Park Shopping Center Danville, VA 24541 ■■ Factoring Services ■■ ■■ 201 South Tryon Street Charlotte, NC 28202 Products and Services ■■ Client Profile About CIT Founded in 1908, CIT (NYSE: CIT) is a financial holding company with more than $65 billion in assets. Its principal bank subsidiary, CIT Bank, N.A., (Member FDIC, Equal Housing Lender) has more than $30 billion of deposits and more than $40 billion of assets. It provides financing, leasing and advisory services principally to middle market companies across a wide variety of industries primarily in North America, and equipment financing and leasing solutions to the transportation sector. It also offers products and services to consumers through its Internet bank franchise and a network of retail branches in Southern California, operating as OneWest Bank, a division of CIT Bank, N.A. cit.com cit.com/commercialservices Contact: 800-248-3240