c it inspire : CIT understands risk. We manage credit, collateral, equipment valuation and interest rate risk. And we do it actively and carefully. Our industry-leading risk management practices allow us to operate effi- ciently while, simultaneously, remaining responsive and focused on our customers’ needs. We a re const a nt l y worki ng to enha nce produc- tivity and improve loan turnaround time through the use of technology across the organization. For example, mortgage brokers as well as other business partners make extensive use of the web to submit loan and lease applications. Additionally, commer- cial clients access and manage their accounts on- line with our proprietary technology, making for a seamless f low of funds and information. These capabilities afford us a formidable com- petitive advantage as a low-cost operator – and facilitate the exchange of time-sensitive financial information with our customers.