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(The following statement was released by the rating agency) NEW YORK, December 04 moncler jackets toronto (Fitch) Fitch Ratings has assigned ‘BB+/B’ long and short term IDRs to CIT Group, Inc. (CIT) and CIT Bank. The Rating Outlook is Stable. A full list of ratings follows at moncler outlet mall the end of this release. KEY RATING DRIVERS IDRs, VRs, Senior Debt and Revolving Credit Facility The IDRs and Viability Ratings (VRs) reflect CIT’s leading franchise positions in key business segments, including aircraft leasing, railcar Moncler Factory Outlet leasing and factoring, appropriate capital levels relative to asset exposures, strong liquidity, diversified funding profile, seasoned management team and demonstrated execution on previously articulated business objectives. These strengths are counterbalanced by CIT’s elevated exposure to middle market borrowers, a higher risk customer segment historically, outsized exposure to cyclical businesses such as aircraft and railcar leasing and associated asset residual value risk, and greater earnings volatility relative to Discount Moncler Coats its bank peers. Fitch believes that CIT’s profitability and returns, although improving, remain below the company’s cost of capital and long term return on average tangible common equity target, which could potentially introduce strategic uncertainty over the intermediate to long term. Furthermore, ratings remain constrained by CIT’s outsized reliance on wholesale funding sources relative to its bank peers. Fitch believes CIT’s online deposit franchise, which includes a higher than moncler coats average mix of high dollar balance accounts and time deposits, may be subject to increased deposit outflow sensitivity in a rising interest rate environment. acquisition, Fitch acknowledges that the transaction would increase CIT’s deposit base, lower its overall cost of funds, create additional cross selling opportunities and allow CIT to potentially realize more of its existing net operating loss carry forward. However, Fitch also views the acquisition as posing modest discount moncler outlet integration and execution moncler coats for men risks, while the move above the $50 billion asset threshold would introduce additional regulatory hurdles and compliance costs. Furthermore, Fitch views OneWest’s deposit platform as potentially more sensitive to interest rates cheap moncler jackets relative to its bank peers as result of a higher than average mix of time deposits (48% of total deposits at Sept. 30, 2014) and a sizeable mix of high average balance accounts (time deposits greater than $100,000 represented 31% of total deposits at Sept. 30, 2014). Given these offsetting factors, Fitch’s assessment of CIT’s credit risk profile moncler outlet ny is expected to be unaffected by the closing moncler outlets usa (or lack thereof) of the OneWest transaction, all else equal. The transaction is subject to customary closing conditions and regulatory approvals and is expected to close in the first half of 2015, according to CIT. CIT’s IDR of ‘BB+’ is equalized with its VR of ‘bb+’, reflecting Fitch’s view that external support cannot be relied upon. The cheap moncler jackets outlet Senior Unsecured Debt rating is equalized with CIT’s IDR of ‘BB+’ reflecting that existing notes are senior unsecured obligations of the company that rank equally in payment priority with all existing and future unsubordinated moncler jackets canada unsecured indebtedness of CIT. The moncler jackets on sale Revolving Credit Facility is unsecured and is guaranteed by eight of CIT’s domestic operating subsidiaries. In general the Revolving Credit moncler outlet store Facility ranks equal in right of payment with all existing unsecured indebtedness of moncler outlet woodbury CIT, and as such, the rating of cheap moncler coats for women the Revolving Credit Facility is equalized with CIT’s IDR. KEY RATING DRIVERS Support Ratings and Support Rating Floors The Support Ratings (SRs) of ‘5’ reflect Fitch’s view that external support cannot be relied upon. The Support Rating Floors (SRFs) of ‘No Floor’ reflect Fitch’s view that there is no reasonable assumption that sovereign support will be forthcoming to CIT. gives deposit liabilities superior recovery prospects in the event of default. RATING SENSITIVITIES IDRs, moncler jackets cheap VRs, moncler jackets for women Senior Debt and Revolving Credit Facility Fitch views upward rating momentum womens moncler jackets as limited moncler jacket outlet given current modest operating performance levels, potential increased sensitivity of the deposit platform to rising rates and the integration, execution and regulatory compliance hurdles associated with the OneWest acquisition. Longer term, however, positive rating discount moncler jackets momentum could develop as a result of improved and consistent operating performance, demonstrated credit performance moncler chicago through market cycles which moncler outlets uk is in line with expectations, maintenance of appropriate capital levels relative to the company’s risk profile and regulatory minimums and an moncler outlet kids enhanced funding profile characterized by less reliance on wholesale funding sources and demonstrated durability of deposits in a rising moncler coats cheap interest buy moncler jackets toronto rate environment. Negative rating momentum could be driven by a sustained weakness in operating performance which results in insufficient capital generation or a material change in risk appetite, strategic objectives, or composition of business activities. Expansion into new business verticals outside CIT’s core commercial lending and leasing expertise or outsized growth in new commercial businesses may lead to negative rating momentum. Failure to close the OneWest transaction would moncler outlet usa not necessarily result in negative rating pressure, although failure to successfully integrate OneWest could adversely impact CIT’s ratings if accompanied by outsized moncler jacket online costs or risks to the broader organization. An inability to successfully manage the increased regulatory requirements associated with assets exceeding the $50 billion threshold would also be viewed negatively. The Senior Unsecured Debt rating and the Revolving Credit Facility rating are equalized with CIT’s long term IDR, and therefore are sensitive to any changes in CIT’s IDR. CIT’s senior unsecured notes filed moncler jackets mens under its 2012 shelf registration rank equal in right of payment with the company’s Series C Unsecured Notes and the Revolving Credit Facility. The Revolving moncler jackets outlet online Credit Facility is unsecured, guaranteed by eight of CIT’s domestic operating subsidiaries and may be drawn and prepaid at the option of CIT. The Revolving Credit Facility also includes moncler outlet online customary covenants that are not shared by CIT’s senior unsecured notes, including but not limited to, a guarantor asset coverage ratio, a consolidated net worth covenant and limits on CIT’s operating flexibility in an event of default. Fitch believes these covenants do not provide sufficient additional protection to the facility to provide uplift to the Revolving Credit Facility’s ratings relative to CIT’s IDR and moncler jackets Senior Unsecured Debt rating. RATING SENSITIVITIES Support Ratings and Support Rating Floors CIT’s Support Rating and Support Rating Floor are sensitive to Fitch’s assumptions around capacity to procure extraordinary support in case of need. RATING SENSITIVITIES Long and Short Term Deposit Ratings CIT Bank’s uninsured deposit ratings are rated one notch higher than the company’s moncler coats for women IDR, and moncler coats for cheap therefore are sensitive to any moncler outlet prices changes in CIT Bank’s IDR. The deposit ratings are primarily sensitive to any change in CIT Bank’s long and short term IDRs. The company’s primary businesses include Transportation Finance (aircraft and railcar leasing and maritime finance), Corporate Finance (middle market cash flow and asset based lending and commercial real estate lending), Equipment Finance (equipment loans and leases) and Commercial Services (factoring). As of Sept. 30, 2014, the company had $46.5 billion in assets. The company’s stock is listed on the NYSE under the ticker ‘CIT’. Fitch has assigned the following ratings with a Stable Outlook: CIT Group, Inc.: Long term IDR ‘BB+’; Short term IDR ‘B’; Viability Rating ‘bb+’; Revolving Credit Facility ‘BB+’; Senior Unsecured Debt Rating ‘BB+’; Support Rating ‘5’; Support Rating Floor ‘NF’. CIT Bank: Long term IDR’BB+’; moncler outlet location Short term IDR’B’; Viability Rating ‘bb+’; Long Term Deposit Rating ‘BBB ‘ Short Term Deposit Rating ‘F3’ Support Rating ‘5’; Support Rating Floor ‘NF’. Contacts: Primary Analyst Brendan Sheehy cheap moncler Director +1 212 908 9138 moncler outlet canada Fitch Ratings, Inc. 33 Whitehall St. 31, 2014); ‘Finance and Leasing Companies Criteria’ (Dec. Bank Holdco and Opcos’ (Dec. Finance and Leasing Companies’ (Nov. Bank HoldCos OpCos: Evolving Risk Profiles’ (Mar. 27 2014); ‘Nonbank Financial Institution Interest Rate Sensitivity’ (Jan. 30 2014); ‘FinCo Deposit Sensitivity to Rising Rates’ (Jan. 6 2014). Bank HoldCos OpCos: Evolving Risk Profiles here Nonbank Financial Institution Interest Rate Sensitivity here FinCo Deposit Sensitivity to Rising Rates here Additional Disclosure Solicitation Status here ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS moncler jackets men LINK: here. PUBLISHED RATINGS, moncler coats sale CRITERIA AND METHODOLOGIES ARE AVAILABLE moncler outlet uk FROM THIS SITE AT ALL TIMES. FITCH’S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE ‘CODE OF CONDUCT’ SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE.

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We feast on lobster mac’n’cheese accompanied by locally brewed craft beers at Rogue pub and sample rockfish tacos and whisky sours at Revel Room (“a little bit of New Orleans in Vancouver”), where a pianist hammers out lively jazz. But my favourite stop is Salt, a recently opened “tasting room” on Blood Alley, where they pair bold cheeses with wines from British Columbia’s Okanagan Valley.

It’s not cheese and wine moncler outlet location but the great outdoors that has drawn me to British Columbia in summer, cheap moncler jackets though. Next morning, I fly out from Vancouver harbour. It would be just as moncler outlet usa quick to drive to Whistler, but the floatplane offers a different, bird’s eye perspective, the flight path following the Sea to Sky Highway past Stawamus Chief and into the wilder alpine forests and mountains of the Whistler Valley.

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“It’s a beautiful place to be on a bike,” says Alan on our final run of the day, looking out over Whistler town.

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There is conceptual photography and paintings by artists EJ Hughes and Emily Carr that focus, perhaps unsurprisingly, on the region’s dramatic landscapes: mountains, forests, lakes and rivers. But it’s the traditional First Nations art that draws my eye, particularly the colourful masks used in rituals and ceremonies.

moncler outlet online There is no time to dawdle. The next day I take a kayak out on Alta Lake. In winter, the lake freezes thick enough for locals to play ice hockey. In summer, though, it’s a placid paddle past modern lake houses that sell for up to $10million (property value is the number one topic of conversation across British Columbia), with views of snow blanketed Mount Currie ahead.

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I see out my time in Whistler on the Sasquatch, moncler jackets for women a 1 mile zip line between the peaks of Blackcomb and Whistler, open this year for its first full summer season. “This is the largest zip line in Canada and the United States,” says instructor Cayleigh Lawrence, strapping me into the harness on Blackcomb’s mountainside. A gate opens and I look into the abyss. Thankfully, there isn’t much time to think. “Three, two, one” and I step off the edge, flying down the sheer drop.

moncler outlet sale Hurtling through the open space between the two mountains, I let go of the handle, allowing myself to spin and look around at the forested landscapes. As Whistler rushes closer, I pull off some technical aerial manoeuvres and grab the handle, straightening for landing.

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buy moncler jackets Analysts are working moncler coats for women 24/7 this week at the National Counterterrorism Center, sifting through databases for cheap moncler jackets connections to a possible threat of an attack on cheap moncler New York or Washington around the 10th anniversary of moncler outlets usa the 9/11 moncler jacket online attacks.

Experts are reviewing variations in names names that might be fragments or moncler jackets toronto aliases, but are enough to run through their computer systems in an effort to glean more information moncler outlet kids about the moncler outlet mall possible plot, which is believed to involve a vehicle borne explosive device.

As analysts pore through travel records trying to find out if any suspected terrorists have entered the United States, they take the fragments of information they have names, countries, dates to narrow down nationality, country discount moncler jackets of departure, timeframe of travel and any contacts the suspects might have had en route.

The NCTC works with other members of the intelligence community to run down leads and information is exchanged.

fair amount of questions are being posed both from us and to us, the counterterrorism official said.

monlcer down jackets One of the reforms implemented at the NCTC after a failed attempt to blow up a Northwest moncler coats Airlines commercial flight to Detroit on Christmas Day 2009, was to create pursuit womens moncler jackets teams to follow up on leads. The center was criticized at the time for not putting together a variety of clues that might have prevented suspect Umar Farouk AbdulMutallab from getting on the Moncler Factory Outlet plane the so called failure to moncler jackets on sale connect the dots. People with specialized expertise are brought in to analyze the new data.

moncler outlet online Reviewing information already in the data bank is an essential part of the investigation, according to an intelligence official.

moncler sale outlet the old stuff make sense now that we have new material to work with, said the official, adding, see it with a new perspective.

cheap moncler Interpreting threat information is a difficult challenge, officials say.

The moncler outlet online intelligence official said terrorists in code to each other they are cryptic, and don necessarily use their real or full names. Nothing that might be overheard by a phone or computer intercept, or even by a trusted source, can be taken at face value or considered complete. Everything has to be run on the ground.

But 10 years after the 9/11 attacks, the official maintained that the intelligence community is better prepared.

cheap moncler outlet are more alert all of the time, we collect more, we look at more, we put the pieces together differently, because of what we have learned.

cheap moncler jackets Just by watching any Middle East TV station and listening to any Muslim cleric any stupid can connect the dots. Most Muslim clerics moncler coats sale from the Middle East are in joy celebrating the 9/11 attack. Anyone watching and listening to their rhetoric in any Middle East TV station can tell they are in joy celebrating the 9/11 attack and praying to Allah for another attack to America. As followers of the immoral conduct and evil actions of their Prophet Mohammed we can expect the worst coming from these moncler outlet creatures. Islamic clerics are the main instigators of all the violence, hatred, terrorism, resentment, vengeance and discrimination around the world. Their distorted morality and lack of basic universal ethical and moral standards are the weapons of mass moral destruction.

cheap moncler sale moncler coats cheap September 12, 2011 at 2:35 pm Reply

moncler outlet sale Ten Years Later: Surveillance in the is a collaborative project with Truthout and ACLU Massachusetts.

Surveillance now is everyone business, as the line between intelligence gathering and crimefighting rapidly fades and the public is conditioned to play its part.

The work of Deputy Police Chief Michael Downing of the Los Angeles Police Department (LAPD) exemplifies the new surveillance paradigm. The head of the 750 strong counterterrorism force within the LAPD, he is on the hunt for who follow al Qaeda goals and objectives and mission and ideology. He says his officers collect intelligence and practice the of community policing by reaching out to Muslims and asking them to out the radicals. adds that he is pleased that many Muslims have adopted the LAPD iWatch program and Official Moncler Outlet are prepared, along with the general public, to call in tips about suspicious activity. With Islamists as his main target, Chief Downing is also keeping track of separatists, white supremacist/sovereign citizen extremists cheap moncler jackets outlet and animal rights terrorists. If threats materialize, he can draw upon the LAPD backup capacity SWAT units, direct action teams, air support, counterassault teams and squads that specialize in disrupting vehicle bombs.

Here we see several of the components of the new surveillance society. It seeks out information about anything that can be connected to activity and is keeping track of certain individuals and groups whether or not there is evidence that they are engaging in criminal activity. Police are expected to chase down unsubstantiated tips from the public, moncler jackets outlet and not just to pursue evidence of wrongdoing. A new notion of policing has emerged, where monitoring communities with all the trust issues that this implies has taken the place of winning community support by being accountable to residents and solving crimes.

moncler mens jackets The LAPD is one of some 3,984 federal, state and local agencies now collecting information about moncler outlet ny activity that could be related to terrorism. The Washington Post Secret America series states that 854,000 people now hold security clearance. We estimate that about one for every 215 moncler outlet location working age Americans. An additional 3 million people reportedly hold moncler jacket outlet security clearance.

moncler outlet moncler jackets mens The federal government spends more annually on civilian and military intelligence than the rest of buy moncler jackets toronto the world put together $80 billion is a conservative figure, according to the October 28, 2010, Post. This is in addition to the $42 plus billion allocated to the Department of Homeland Security (DHS) and the spending on intelligence activities by the LAPD and other state and local police forces. The homeland security industry is flourishing, with lucrative contracts being awarded to Lockheed Martin, Raytheon, Boeing, Northrop Grumman and other major defense contractors.

What exactly is being built with these funds?

The Sharing Environment the information awareness assumption that the nation can be made safe by applying advanced technology to massive databases has been married to the call for a of effort in sharing information issued by the bipartisan 9/11 National Commission. The commissioners had recommended a fundamental change in how the nation 16 intelligence agencies carried out their business. They urged that the to know culture be replaced with a to share imperative, with information being transmitted horizontally among agencies, not just vertically within agencies. They further recommended that the FBI be equipped to assume prime responsibility Moncler Outlet online for domestic intelligence gathering, that it incorporate cheap moncler jackets wholesale a and integrated national security workforce, and that it form collaborative relationships with moncler outlet store state and local police for this purpose.

cheap moncler coats To construct a new domestic surveillance network, the Intelligence Reform and Terrorism moncler coats outlet Prevention Act of 2004 mandated the creation of cheap moncler coats for women an Information Sharing Environment (ISE) under the director of national intelligence. Defined as interrelated set of policies, processes and systems, ISE moncler jackets outlet online was intended to facilitate the sharing of terrorism related information with stakeholders at all levels of government and the private sector. Eventually, foreign governments are supposed to be brought into the ISE loop. The ISE requires the standardization of information systems and technology to provide access to the burgeoning number of databases that serve as its connective tissue, the enlistment of mission partners across federal, state, local, and tribal agencies and the private sector to keep the databases supplied with the information that is its lifeblood, and the use of operators and investigators from enforcement, public safety, homeland security, intelligence, defense and foreign affairs to extract, analyze and disseminate timely intelligence.

Fusion moncler jackets cheap Centers and Suspicious Activity Reports

The nerve centers of the ISE are the nation 72 regional and state fusion centers, which were in part a response to the FBI reluctance to share threat information with state and local law enforcement because of turf and security Discount Moncler Coats clearance issues. With considerable variation in what they moncler jackets canada do and how they moncler jackets men do it, fusion centers were established over the past seven years with DHS funding to and analyze information from a wide variety of sources and databases and facilitate information sharing among themselves through the FBI eGuardian database. The secretive fusion centers represent a significant departure from traditional law enforcement objectives and methods, with few legal limits on what they can moncler jackets for women and cannot do, little respect for long established jurisdictional boundaries between local, state, federal, military and private entities and a notable absence of accountability mechanisms. moncler outlet usa Given the scarcity of domestic terrorism plots, it is not surprising that most fusion centers almost immediately changed the focus of their data collection from fighting terrorism to a broad crimes, all hazards mission. Many now use federal counterterrorism moncler outlet woodbury funds to collect, store and share data that has little or no relation to terrorism and, often, no relation to actual crimes.

According to DHS head Janet Napolitano, along with fusion centers, the Nationwide Suspicious Activity Reporting Initiative serves as the of the government effort to keep moncler outlet uk Americans safe from terrorism. The idea behind the initiative is to collect as much data about anything that just may (or may not) be related to criminal activity. Or, to quote the government own alarmingly broad definition: a Suspicious Activity Report (SAR) is documentation of observed behavior that may be indicative of intelligence gathering, or preoperational planning related to terrorism, criminal, or other illicit intention. programs, piloted by the LAPD, Boston and a handful of other cities, vary from place to place and are often in competition with one another for federal dollars. Today some 800,000 state and local law enforcement officers are encouraged to file SARs on even the most common everyday behaviors, such as looking through binoculars, taking pictures of buildings, taking notes in public and espousing beliefs.

moncler sale The ISE program manager recommended that SARs are reviewed within the police department before being sent to a fusion center for moncler outlets uk further review by an intelligence analyst. If it SAR criteria, it is then entered into the ISE for wide distribution and with other intelligence information. But a January 2010 evaluation of the ISE and National SAR Reporting Initiative has shown little uniformity in how SARs moncler outlet canada are being collected, vetted and shared, and how much personably identifiable information is being aggregated and disseminated through the fusion center network and sent to the FBI’s eGUardian system, which is now serving as ISE/SAR shared space. In an effort to address criticisms voiced by civil liberties groups, ISE adopted a policy requiring that only behavior indicating some kind of connection to criminal activity or terrorism should be shared among federal intelligence agencies. But this civil rights protection does not apply to sharing by state and regional fusion centers.

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