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We recommend that you print this Agreement for your records, or you may obtain a paper copy of this Agreement at no charge by calling our Contact Center at 1.855-462-2652 or writing to CIT Bank, PO Box 471, Santa Monica, CA 90406-0471.

We may add to, delete or change the terms of this Agreement at any time subject to applicable law.

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We may do so at the time you open the account, at any time while your account is open, or after your account is closed if you owe us any amounts related to your account.

If you do not handle your account in a satisfactory manner and/or it is necessary for us to charge off your account as a loss, we will report such negative information to check or credit reporting agencies.

In those instances where identity verification is not satisfactorily completed within a reasonable period of time after account opening and/or our notification to you of the same, we may, at our option, close the account and mail the proceeds to you in the form of a bank check.

By opening an account with the Bank, or by agreeing to be an owner or signer on an account or obtaining any other service from us, you (and, if acting in a representative capacity, individually and for such entity or principal) agree that we may obtain account experience information or credit information about you from consumer or credit reporting agencies and/or by any other means where permitted by law.

The FDIC provides separate coverage for deposits held in different account ownerships such as: (1) individual or single ownership accounts; (2) joint ownership accounts; (3) revocable trust accounts (including pay-on-death accounts); (4) corporations, partnerships and unincorporated association accounts; and (5) certain individual retirement accounts, Individual Retirement Accounts. For questions about FDIC coverage limits and requirements visit gov/deposit/deposits or call toll-free at 1-877-ASK-FDIC.