Date: Monday, January 12, 2015 5:56:06 PM … · Date: Monday, January 12, 2015 5:51:20 PM _____ From: [email protected] Sent: Monday, January 12, 2015 5:51:15 PM (UTC-05:00)

From: NY Banksup Applications CommentsTo: Whidbee, Robin; McCune, Crystall; Caetano, Ruth; Brannon, LisaSubject: FW: Support for the OneWest and CIT MergerDate: Monday, January 12, 2015 5:56:06 PM

________________________________________From: [email protected]: Monday, January 12, 2015 5:56:02 PM (UTC-05:00) Eastern Time (US & Canada)To: NY Banksup Applications Comments; [email protected]: Support for the OneWest and CIT Merger

Yale Kim1102 Fairview Dr.La Canada, CA 91011E-Mail: [email protected]

Subject: Support for the OneWest and CIT Merger

I strongly support the pending OneWest Bank and CIT Bank merger. I am a California native, born andraised in Los Angeles. I am college-educated in the Bay Area and also have a graduate degree from theBay Area. I have never lived or worked anywhere except in the State of California. I can certainlyappreciate what OneWest is doing, which is to create a viable and financially strong unified bankheadquartered in Los Angeles County (and Southern California). This presence is important to thisregion for both jobs and lending purposes, and demonstrates the commitment that the financialcommunity has to the Greater Los Angeles area, and beyond. With many financial institutions based inother states (such as New York (Chase), Minnesota (Wells Fargo) and North Carolina (Bank ofAmerica)), we need and must have a strong regional California bank which will look at servicing theCalifornia community first and which strives to support the endeavors of Southern Californians. I recallat one time when both Bank of America and Wells Fargo Bank were based out of California. I alsorecall that when those institutions left, so did many jobs and also the real commitment to the bankingneeds of the California community, in favor of a more national presence. Having a fiscally strong andresponsible bank based out of California, which will put the needs of Californians first, can only lead to afuture of better and more competitive banking services which will be focused on all diverse communitiesin Southern California.Yale Kim

mailto:/O=FRSMAIL/OU=EXCHANGE ADMINISTRATIVE GROUP (FYDIBOHF23SPDLT)/CN=RECIPIENTS/CN=NY BANKSUP APPLICATIONS COMMENTS478

mailto:[email protected]






Steven Solberg318 Ave I Suite 7Redondo Beach , CA 90277E-Mail: [email protected]


Dear Steven Solberg

I am writing to offer my support for the pending OneWest and CIT merger. OneWest serves as a strongsource of capital and banking services to the Southern California community. This merger will retain andcreate new jobs in California. I believe the management team and OneWest have demonstrated itscommitment to our community and to serving the needs of not only their clients but the community atlarge and due to this, I do not believe there is a need for a public hearing.

Kind regards,Steven Solberg








Scott Herman719 S Pacific Coast Highway Apt DRedondo Beach , CA 90277E-Mail: [email protected]


Dear Scott Herman,


Kind regards,Scott Herman








John Walsh627 Calle De ArbolesRedondo Beach , CA 90277E-Mail: [email protected]


Dear John C Walsh Jr,


Kind regards,John Walsh








Jonathan Chou10453 Oriel PassWhittier, CA 90603E-Mail: [email protected]


Dear Chair Yellen, President Dudley and Comptroller Curry,


Kind regards,Jonathan Chou








Myles Esmele1159 Misty Creek CourtChula Vista, CA 91915E-Mail: [email protected]




Kind regards,Myles Esmele








BECKY TANG480 W LINDEN DRIVEORANGE, CA 92865E-Mail: [email protected]




Kind regards,BECKY TANG








Celine Sarapuddin14665 FieldflowerChino hills, CA 91709E-Mail: [email protected]




Kind regards,Celine Sarapuddin








Debika Sen25937 Oak StLomita, CA 90717E-Mail: [email protected]


Dear Debika Sen,


Kind regards,Debika Sen








Evelyn Esmele1159 Misty Creek CourtChula Vista, CA 91915E-Mail: [email protected]




Kind regards,Evelyn Esmele








Aida Mondragon211 1/2 Avenue CRedondo Beach , CA 90277E-Mail: [email protected]


Dear Aida Mondragon


Kind regards,Aida Mondragon








Jill Adams22313 Susana AveTorrance, CA 90505E-Mail: [email protected]


Dear Jill AdamsI am writing to offer my support for the pending OneWest and CIT merger. OneWest serves as a strongsource of capital and banking services to the Southern California community. This merger will retain andcreate new jobs in California. I believe the management team and OneWest have demonstrated itscommitment to our community and to serving the needs of not only their clients but the community atlarge and due to this, I do not believe there is a need for a public hearing.

Kind regards,Jill Adams








Carolyn Branch826 n Juanita AVERedondo Beach, CA 90277E-Mail: [email protected]


Dear Carolyn J. Branch,


Kind regards,Carolyn Branch








Ambrosita Villarreal11153 Avenida de los LobosSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Ambrosita Villarreal








Rosita Ladroma5853 Kantor StreetSan Diego, CA 92122E-Mail: [email protected]




Kind regards,Rosita Ladroma








Rolando Aguilar5853 Kantor Street, #2San Diego, CA 92122E-Mail: [email protected]




Kind regards,Rolando Aguilar








Steven Myers8939 S. Sepulveda Blvd., Suite 102Los Angeles, CA 90045E-Mail: [email protected]




Kind regards,Steven Myers








Vivien Wong14281 Elm Wood LaneChino Hills, CA 91709E-Mail: [email protected]




Kind regards,Vivien Wong








Hany Iskander1930 Ocean Ave # 110Santa Monica, CA 90405E-Mail: [email protected]




Kind regards,Hany Iskander








Yanxiang Sun19211 Albert Ave.Cerritos, CA 90703E-Mail: [email protected]




Kind regards,Yanxiang Sun








Yanchen Sun18812 Belshire Ave.cerritos, CA 90703E-Mail: [email protected]




Kind regards,Yanchen Sun








Calvert Hartman

Indioan Wells, CAE-Mail: [email protected]




Kind regards,Calvert Hartman








Nagesh Malhotra2609 woodstock lnburbank, CA 91504E-Mail: [email protected]




Kind regards,Nagesh Malhotra








Anthony Marc Beltran1512 E. Amar Rd.West Covina, CA 91792E-Mail: [email protected]




Kind regards,Anthony Marc Beltran








Eddie Secard9292 ninthRancho cucamonga, CA 91730E-Mail: [email protected]




Kind regards,Eddie Secard








Julia Ardell41915 N 111th PlScottsdale, AZ 85262E-Mail: [email protected]




Kind regards,Julia Ardell








Emilie Hunter11301 Wilshire Blvd Bld 257 Rm 208Los Angeles, CA 90073E-Mail: [email protected]




Kind regards,Emilie Hunter








Mary Ann Kravitz24102 CalendulaMission Viejo, CA 92692E-Mail: [email protected]




Kind regards, Mary Ann Kravitz








Scott Holmes214 North Tryon StreetCharlotte, NC 28202E-Mail: [email protected]



I am writing to offer my support for the pending OneWest and CIT merger. I have worked with themanagement team at OneWest for five years and gotten to know many of them quite well. OneWestserves as a strong source of capital and banking services to the Southern California community. Afteracquiring the assets of IndyMac, the OneWest team has significantly expanded the banking productsand services it offers in its markets, creating jobs both internally and externally. This merger will retainand create new jobs in California. I believe the management team and OneWest have demonstrated itscommitment to our community and to serving the needs of not only their clients but the community atlarge and due to this, I do not believe there is a need for a public hearing.

Kind regards,Scott Holmes








Terry Arnett14484 Caminito LazanjaSan Diego, CA 92127E-Mail: [email protected]




Kind regards,

Terry S ArnetTerry Arnett








Daniel Choi556 N. Hunt Cir.Placentia, CA 92870E-Mail: [email protected]




Kind regards,Daniel Choi








Albert Sainz12220 Pigeon pass road suite.oMoreno valley, CA 92557E-Mail: [email protected]




Kind regards,Albert Sainz








LEE DE LEON2617 W. 5TH ST.SANTA ANA, CA 92703E-Mail: [email protected]




Kind regards,LEE DE LEON








Aaron Young1640 5th StSanta Monica, CA 90401E-Mail: [email protected]




Kind regards,Aaron Young








Robert Villasenor1035 Heriatge Oaks DriveArcadia, CA 91006E-Mail: [email protected]




Kind regards,Robert Villasenor








Erika Beltran9620 West Russell Road apt. 2026Las Vegas, NV 89148E-Mail: [email protected]




Kind regards,Erika Beltran






From: NY Banksup Applications CommentsTo: Whidbee, Robin; McCune, Crystall; Caetano, Ruth; Brannon, LisaSubject: FW: Support for the OneWest and CIT MergerDate: Monday, January 12, 2015 9:40:22 AM

________________________________________From: [email protected]: Monday, January 12, 2015 9:40:05 AM (UTC-05:00) Eastern Time (US & Canada)To: NY Banksup Applications Comments; [email protected]: Support for the OneWest and CIT Merger

aaron gharst11035 evening creek dr e.san diego, CA 92128E-Mail: [email protected]




Kind regards,aaron gharst








Maria Gonzalez11781 Trask Ave. Apartment AGarden Grove, CA 92843E-Mail: [email protected]




OneWest has demonstrated their commitment to our community by being a strong supporter ofeducation. There are a number of programs that OneWest makes possible through not only theirfinancial support, but also the volunteer hours that OneWest employees give.

OneWest is a bank that truly cares for the community and I believe that the merger with CIT will onlyenhance the wonderful work that OneWest is already doing.

Kind regards,

Maria GonzalezMaria Gonzalez








Sharadkumar Patel1513 Vandagriff WayCorona, CA 92883E-Mail: [email protected]




Kind regards,Sharadkumar Patel








Lillie Campos44 Quiet Hills RoadPomona, CA 91766E-Mail: [email protected]




Kind regards,Lillie Campos








emily kroll1150 North Riverside Drivepalm springs, CA 92264E-Mail: [email protected]




Kind regards,emily kroll








kevrette johnson314 collamer drCarson, CA 90746E-Mail: [email protected]




Kind regards,kevrette johnson








Kristi Powers217 AVE H Apt CRedondo Beach , CA 90277E-Mail: [email protected]


Dear Kristi Powers,


Kind regards,

Lucy BuenrostroRelationahip Center ManagerRiviera Village OfficeKristi Powers








Stefan Dold1509 1/2 Catalina AVERedondo Beach , CA 90277E-Mail: [email protected]


Dear Stefan Dold,


Kind regards,

Lucy BuenrostroRelationship Center ManagerRiviera Village BranchStefan Dold








HAFIZ REHMAN23205 carlow roadTORRANCE, CA 90505E-Mail: [email protected]




Kind regards,HAFIZ REHMAN








NORMAN GOLUB7819 W. 83 StreetPlaya Del Rey, CA 90293E-Mail: [email protected]




Kind regards,NORMAN GOLUB








Lynne Garcia512 - 12th StreetSanta Monica, CA 90402E-Mail: [email protected]




Kind regards,Lynne Garcia








Ricky Palad4115 morrill ave.San Jose , CA 95132E-Mail: [email protected]




Kind regards,Ricky Palad








Howard Ruby2222 Corinth AvenueLos Angeles, CA 90064E-Mail: [email protected]




Kind regards,

Howard F. RubyHoward Ruby








Nia Tang607 victoria avenueLos angeles, CA 90291E-Mail: [email protected]




Kind regards,Nia Tang






I OPERATION

HOPE )E World 'Headquarters

JOHN HOPE BRYANT Founder, Chairman and Chief Executive Officer

Wilshire Boulevard, 3d" Floor January 5, 2015

Angeles, California 90017 Dr. Janet E. Yellen 891 2906 phone Chairman 592 HOPE (4673) toll-free Board of Governors of the Federal Reserve System

489 7272fax

'E Regional Office

Peachtree Street NE,

!4000

1ta, Georgia 30303

'.operationhope.org

United States Federal Reserve Board 201

h Street & Constitution Avenue, N.W. Washington, DC 20551

Dear Dr. Yellen:

On behalf of Operation HOPE, Inc. (HOPE}, I am writing to lend our support of the proposed merger between OneWest Bank, N.A. and CIT Group.

The mission of HOPE is to make free enterprise work for all through financial dignity empowerment programs. Since its inception, HOPE has served more than 2 million individuals and directed more than $1.5 billion in private capital to America's low-wealth communities.

I have known Joseph Otting, CEO of OneWest Bank, since he was an executive with another partner, Union Bank, then Union Bank of California. I next heard his name when it was announced that he would become the CEO of a bank, which purchased a very troubled institution --lndyMac Bank.

Not only was lndyMac troubled, and played a significant (and negative) role in the subprime mortgage crisis, it was led by a man whom had questionable character. Such is not the case with Mr. Otting, and his positive stewardship and growth of OneWest Bank since the acquisition has confirmed what I thought I knew about him. OneWest Bank has more than stabilized from its pre-acquisition path, it has materially added to Southern California in LMI and minority communities. It is hard for me to believe that OneWest Bank would not continue along this positive path, once merged with CIT, creating a 70B institution headquartered in Southern California.

Since 2012, OneWest Bank has been a committed partner to our mission and programs. Their partnership with HOPE enabled our organization to:

1. Pilot the HOPE Business In A Box (HBIAB) program in Los Angeles, California. HBIAB is a national initiative that bridges the gap between entrepreneurial aspirations and experience. Students attending schools in low-to-moderate income communities go through a financial education and entrepreneurship-training program. Students have the opportunity to compete for a small grant to finance their business venture.

In addition to providing seed funding for the pilot HBIAB program in Los Angeles, OneWest Bank employees volunteer as business mentors to students participating in the Los Angeles program. Volunteers help students develop a business plan and prepare for the fast pitch competition.

2. Launch a new HOPE Inside Center adjacent to the OneWest Bank branch in Northridge, California. This is a moderate-income community with minorities representing 89.2% of the population.

HOPE Inside is a HOPE Center operating within an existing bank branch, credit union, etc. to serve the under-banked and underserved. HOPE Inside's Small Business Development Program offers entrepreneurial training courses and one-on-one technical assistance to local small businesses. By helping small businesses succeed, the program helps to

create jobs and economic development in low-to-moderate income communities.

As a result of HOPE's partnership with OneWest Bank, HOPE has been able to promote "silver rights" and make free enterprise and capitalism work for the poor, working class and the middle class; as well as assist and inspire the next generation of global stakeholders.

We believe that the merger between OneWest Bank, N.A. and CIT Group will bring about positive changes in California. As large corporations flee the state of California, a proposed merger between two companies set to do business in California is a welcomed changed. We wish OneWest Bank and cess and look forward to a continued partnership with the ne

cc: Ivan Hurwitz, Vice President of Bank plications, Federal Reserve Bank of New York David Finnegan, Western District Offi e, Office of the Comptroller of the Currency

I OPERATION

HOPE JOHN HOPE BRYANT Founder, Chairman and Chief Executive Officer

PE World Headquarters

Wilshire Boulevard, 30th Floor January 5, 2015 _ ,

Angeles, California 90017 Mr. Thomas Curry 891 2906 phone Comptroller 592 HOPE (4673) toll-free Office of the Comptroller of the Currency 489 7272 fax 250 E Street, SW

Washington, DC 20219

'E Regional Office

Peachtree Street NE,

El4000

~ta. Georgia 30303

r.operationhope.org

Dear Comptroller Curry:

On behalf of Operation HOPE, Inc. (HOPE), I am writing to lend our support ofthe proposed merger between OneWest Bank, N.A. and CIT Group.

The mission of HOPE is to make free enterprise work for all through financial dignity empowerment programs. Since its inception, HOPE has served more than 2 million individuals and directed more than $1.5 billion in private capital to America's low-wealth communities.

I have known Joseph Otting, CEO of OneWest Bank, since he was an executive with another partner, Union Bank, then Union Bank of California. I next heard his name when it was announced that he would become the CEO of a bank, which purchased a very troubled institution -- lndyMac Bank.

Not only was lndyMac troubled, and played a significant (and negative) role in the subprime mortgage crisis, it was led by a man whom had questionable character. Such is not the case with Mr. Otting, and his positive stewardship and growth of OneWest Bank since the acquisition has confirmed what I thought I knew about him. OneWest Bank has more than stabilized from its pre-acquisition path, it has materially added to Southern California in LMI and minority communities. It is hard for me to believe that OneWest Bank would not continue along this positive path, once merged with CIT, creating a 70B institution headquartered in Southern California.

Since 2012, OneWest Bank has been a committed partner to our mission and programs. Their partnership with HOPE enabled our organization to:

1. Pilot the HOPE Business In A Box (HBIAB) program in Los Angeles, California. HBIAB is a national initiative that bridges the gap between entrepreneurial aspirations and experience. Students attending schools in low-to-moderate income communities go through a financial education and entrepreneurship-training program. Students have the opportunity to compete for a small grant to finance their business venture.

In addition to providing seed funding for the pilot HBIAB program in Los Angeles, OneWest Bank employees volunteer as business mentors to students participating in the Los Angeles program. Volunteers help students develop a business plan and prepare for the fast pitch competition.

2. Launch a new HOPE Inside Center adjacent to the OneWest Bank branch in Northridge, California. This is a moderate-income community with minorities representing 89.2% of the population.

HOPE Inside is a HOPE Center operating within an existing bank branch, credit union, etc. to serve the under-banked and underserved. HOPE Inside's Small Business Development Program offers entrepreneurial training courses and one-on-one technical assistance to local small businesses. By helping small businesses succeed, the program helps to

create jobs and economic development in low-to-moderate income communities.

As a result of HOPE's partnership with OneWest Bank, HOPE has been able to promote "silver rights" and make free enterprise and capitalism work for the poor, working class and the middle class; as well as assist and inspire the next generation of global stakeholders.

We believe that the merger between OneWest Bank, NA and CIT Group will bring about positive changes in California. As large corporations flee the state of California, a proposed merger between two companies set to do business in California is a welcomed changed. We wish OneWest Bank and cess and look forward to a continued partnership with the ne

cc: Ivan Hurwitz, Vice President of Bank David Finnegan, Western District 0

plications, Federal Reserve Bank of New York e, Office of the Comptroller of the Currency

From: NY Banksup Applications CommentsTo: Whidbee, Robin; McCune, Crystall; Caetano, Ruth; Brannon, LisaSubject: FW: comment: opposed to CIT/OneWest Bank mergerDate: Monday, January 12, 2015 3:17:30 PM

From: Jeff GentesSent: Monday, January 12, 2015 3:17:24 PM (UTC-05:00) Eastern Time (US & Canada)To: NY Banksup Applications CommentsSubject: comment: opposed to CIT/OneWest Bank merger

Ivan J. HurwitzVice President, Bank Applications Function33 Liberty Street, New York, NY [email protected] cc: Federal Reserve Board, [email protected] Mr. Hurwitz, The Connecticut Fair Housing Center is the only nonprofit in Connecticut that represents andadvocates for homeowners facing foreclosure statewide. On behalf of the thousands ofhomeowners with whom we speak each year, I write to (1) oppose the proposed merger betweenCIT Group and OneWest Bank and (2) ask that public hearings be held regarding the merger. We are particularly concerned about CIT Group's apparent willingness to keep OneWest's servicingpractices in place without any plans for improvement. OneWest is disproportionately responsible forthe servicing complaints we receive -- in particular, its underresourced loss mitigation departmentoften engages in a "document dance" few servicers can match -- and its affiliate Financial Freedomis disproportionately responsible for the reverse mortgage foreclosures we see. The latter issue isparticularly troubling, as seniors who should have never received Financial Freedom's products faceloss of their longtime homes because of poor underwriting and nonexistent loss mitigation practices. Without a real plan and resources devoted to improving OneWest's shameful servicing practices, wecannot support an acquisition that would only enrich the executive team and shareholders withoutany benefit to the customers and the public. We strongly oppose approval of the merger and ask, ata minimum, that you hold public hearings regarding the proposed deal. Thank you very much for your time and consideration. Sincerely, Jeff GentesManaging Attorney, Fair Lending and Foreclosure PreventionConnecticut Fair Housing Center

221 Main Street, 4th Floor







Hartford, CT 06106(860) 263-0741(860) 247-4236 (fax)[email protected]

From: Bae, PhilipTo: McCune, Crystall; Whidbee, RobinSubject: FW: CIT Group & One West -FRSONLY-Date: Monday, January 12, 2015 4:41:28 PM

INTERNAL FR-----Original Message-----From: Lisa Joire [mailto:[email protected]]Sent: Monday, January 12, 2015 4:34 PMTo: Bae, PhilipCc: Gordon, Jevon (Board)Subject: FW: CIT Group & One West -FRSONLY-

INTERNAL FR

Hi Philip,Here is an additional comment. Please add it to E-Apps when you have a moment.Thank you,

Lisa JoireApplications SectionConsumer Compliance Supervision BranchDivision of Consumer and Community Affairs Board of Governors of the Federal Reserve System(202) [email protected]

-----Original Message-----From: Office-of-the-SecretarySent: Monday, January 12, 2015 4:01 PMTo: Alison Thro; Michael Sexton; Jevon Gordon; Jessica Stahl; Lisa Joire; Peggy Naulty; MichaelWaldron; Bao Nguyen; Adam Cohen; Andrew HartlageSubject: FW: CIT Group & One West -FRSONLY-

INTERNAL FR

Please see the following message below from Jeffrey Gentes.

-----Original Message-----From: Nellie DrakeSent: Monday, January 12, 2015 3:54 PMTo: [email protected]; Office-of-the-SecretarySubject: RE: Forwarding E-mail from Division of Public Affairs: Public Comment Concerning BoardMembers -FRSONLY-

INTERNAL FR

Hi Jean - It's not an actual comment on a proposal we have out, but it relates to a bank applicationmerger. I'll route it to Legal and BS&R Staff working on it. Will you need anything else to close it outon your end?

Thanks,Nellie

-----Original Message-----From: [email protected] [mailto:[email protected]] On Behalf Of [email protected]: Monday, January 12, 2015 3:43 PMTo: Nellie Drake

mailto:/O=FRSMAIL/OU=EXCHANGE ADMINISTRATIVE GROUP (FYDIBOHF23SPDLT)/CN=RECIPIENTS/CN=B1XPBBX04B





Subject: Forwarding E-mail from Division of Public Affairs: Public Comment Concerning Board Members

To: [email protected] ------------------------------------------------------------------------ Hi, Nellie. Might this one be for you? Thanks! Jean ------------------------------------------------------------------------

The following e-mail message was received by the Correspondence Unit of the Public Affairs Division. It has been logged into CCS with the CCS ID number: 20150000207.

To respond to the sender or to forward the e-mail to another Board division, please click on the following link:

http://m-fwapp3p.frb.gov/CCS-Email/email/default.aspx?emailid=482224

Following is the original e-mail received:

First Name: Jeffrey Last Name: Gentes E-Mail: [email protected] Profession: Managing Attorney, Fair Lending and Foreclosure Prevention Organization: Connecticut Fair Housing Center StreetAddress1: 221 Main Street StreetAddress2: City: Hartford State: CT Country: US Postal Code: 06106 Referring URL: /aboutthefed/contact-us-topics.htm

E-mail Content:

The Connecticut Fair Housing Center is the only nonprofit in Connecticut that represents andadvocates for homeowners facing foreclosure statewide. On behalf of the thousands of homeownerswith whom we speak each year, I write to (1) oppose the proposed merger between CIT Group andOneWest Bank and (2) ask that public hearings be held regarding the merger.

We are particularly concerned about CIT Group's apparent willingness to keep OneWest's servicingpractices in place without any plans for improvement. OneWest is disproportionately responsible for theservicing complaints we receive -- in particular, its underresourced loss mitigation department oftenengages in a "document dance" few servicers can match -- and its affiliate Financial Freedom isdisproportionately responsible for the reverse mortgage foreclosures we see. The latter issue isparticularly troubling, as seniors who should have never received Financial Freedom's products face lossof their longtime homes because of poor underwriting and nonexistent loss mitigation practices.

Without a real plan and resources devoted to improving OneWest's shameful servicing practices, wecannot support an acquisition that would only enrich the executive team and shareholders without anybenefit to the customers and the public. We strongly oppose approval of the merger and ask, at aminimum, that you hold public hearings regarding the proposed deal.

Thank you very much for your time and consideration.

http://m-fwapp3p.frb.gov/CCS-Email/email/default.aspx?emailid=482224

From: [email protected]: NY Banksup Applications Comments; [email protected]: Support for the OneWest and CIT MergerDate: Tuesday, January 13, 2015 10:31:23 PM

John Neubauer291 park drivePalatine, IL 60067E-Mail: [email protected]




Kind regards,John Neubauer





STEVE WEEKS145 S Van Ness AveLos Angeles, CA 90004E-Mail: [email protected]




Kind regards,STEVE WEEKS





CYNDI WEEKS145 S Van NessLos Angeles, CA 90004E-Mail: [email protected]




Kind regards,CYNDI WEEKS





jenny pham8929 canis lnsan diego, CA 92126E-Mail: [email protected]




Kind regards,jenny pham





Kevin Bradshaw201 A StreetSan Diego , CA 92101E-Mail: [email protected]




Kind regards,Kevin Bradshaw





Dulce Vigilia9420 Activity Road, Ste. DSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Dulce Vigilia





Alex Espiritu9420 Activity Road, Ste. DSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Alex Espiritu





Eleza Nooris9420 Activity Road, Ste. DSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Eleza Nooris





Arnie Liwanag4225 Executive Square, Ste. 600La Jolla, CA 92037E-Mail: [email protected]




Kind regards,Arnie Liwanag





Romeo Quinto9420 Activity Road, Ste. DSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Romeo Quinto





Esperanza Samilin5570 Renaissance Avenue, Ste2San Diego, CA 92122E-Mail: [email protected]




Kind regards,Esperanza Samilin





Joyce Kang1103 S. CATALINA #ARedondo Beach , CA 90277E-Mail: [email protected]




Kind regards,Joyce Kang





Ernie Bautista9420 Activity Road, Ste. DSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Ernie Bautista





Chrissie Ordinario1039 nimitz DriveDaly City, CA 94015E-Mail: [email protected]




Kind regards,Chrissie Ordinario





Jane Totanes1025 Bonnie PlaceVista, CA 92025E-Mail: [email protected]




Kind regards,Jane Totanes





Chino Torres3035 East 8th StreetNational City, CA 91950E-Mail: [email protected]




Kind regards,Chino Torres





Ellen Sexion3035 East 8th StreetNational City, CA 91950E-Mail: [email protected]




Kind regards,Ellen Sexion





Xavier De Guzman3636 Nobel Drive, Ste. 100San Diego, CA 92122E-Mail: [email protected]




Kind regards,Xavier De Guzman





Jaime Layug9580 Black Mountain Road, Ste. MSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Jaime Layug





Leon Cook110 West A Street, Ste. 615San Diego, CA 92101E-Mail: [email protected]




Kind regards,Leon Cook





JR Chantengco4252 Bonita Road, Ste 353Bonita, CA 91902E-Mail: [email protected]




Kind regards,JR Chantengco





Mary Mohebbi9747 Business ParkSan Diego, CA 92131E-Mail: [email protected]




Kind regards,Mary Mohebbi





Vicki Phillips664 Thayer AvenueLos Angeles, CA 90024E-Mail: [email protected]




Kind regards,Vicki Phillips





Jose Luis Hernandez12220 Pigeon Pass RoadMoreno Valley, CA 92557E-Mail: [email protected]




Kind regards,Jose Luis Hernandez





Amado Hernandez12220 Pigeon Pass Road, Ste. OMoreno Valley, CA 92557E-Mail: [email protected]




Kind regards,Amado Hernandez





Sofia Arzate12220 Pigeon Pass Road, Ste. OMoreno Valley, CA 92557E-Mail: [email protected]




Kind regards,Sofia Arzate





Minnie Rzeslawski3381 30th StreetSan Diego, CA 92104E-Mail: [email protected]




Kind regards,Minnie Rzeslawski





Betty Brown1804 Arlington Ave.Torraance, CA 90501E-Mail: [email protected]




Kind regards,Betty Brown





Steve Solberg318 Avenue I #7Redondo Beach, CA 90277E-Mail: [email protected]




Kind regards,Steve Solberg





Ted John Mendoza9420 Activity RoadSan Diego, CA 92126E-Mail: [email protected]




Kind regards,Ted John Mendoza





Jay Montenegro46 Third Avenue, Ste. BChula Vista, CA 91910E-Mail: [email protected]




Kind regards,Jay Montenegro





Elaine Valdez11384 Caspian PlaceSan Diego, CA 92131E-Mail: [email protected]




Kind regards,Elaine Valdez





Manny Aguilar4254 Mayo StreetSan Diego, CA 92110E-Mail: [email protected]




Kind regards,Manny Aguilar





Kelley McLaughlin31460 Glenbridge RoadWestlake Village, CA 91361E-Mail: [email protected]




Kind regards,Kelley McLaughlin





Richard Leib3441 Greenfield Ave.Los Angeles , CA 90034E-Mail: [email protected]


I am in favor of the merger providing your share some the profits with the existing employees who helpyou earn this windfall. In addition you should put a portion of the profits back in the communities nearyour branches. I am sure that there will be enough funds after doing these items that youwill have enough to live on comfortable.As far as I am concerned there is a need for a hearing!I have been a First Federal/ One West Client for over 35 years.Thank you for considering me voice my opinion.Richard Leib

Richard Leib





Zen Bocaya12238 Oakview WaySan Diego, CA 92128E-Mail: [email protected]




Kind regards,Zen Bocaya





Aileen Catapusan12238 Oakview WaySan Diego, CA 92128E-Mail: [email protected]




Kind regards,Aileen Catapusan





Cindy Finerty74900 US Highway 111, Suite 120Indian Wells, CA 92210E-Mail: [email protected]




Kind regards,Cindy Finerty





Michael Anderson13375 Winstanley WaySan Diego, CA 92130E-Mail: [email protected]




Kind regards,Michael Anderson





Jennifer Dages840 Sparkleberry Lane #1006Columbia, SC 29229E-Mail: [email protected]




Kind regards,Jennifer Dages





Mike StewartPo box 3174Rancho Santa FE, CA 92067E-Mail: [email protected]




Kind regards,Mike Stewart





James Schellenberg722 Patterson PlacePacific Palisades, CA 90272E-Mail: [email protected]




Kind regards,James Schellenberg





Jaime Jimenez5935 W. 77th PlaceLos Angeles, CA 90045E-Mail: [email protected]




Kind regards,Jaime Jimenez





Lou Swanson6 Halsey AveLaguna Niguel, CA 92677E-Mail: [email protected]




Kind regards,Lou Swanson





vahe antikadjian18784 tribune stporter ranch, CA 91326E-Mail: [email protected]




Kind regards,vahe antikadjian





Gloria Tsang6033 N Willard Ave #ASan Gabriel, CA 91775E-Mail: [email protected]




Kind regards,Gloria Tsang





Ricky Yau6033 N Willard AveSan Gabriel, CA 91775E-Mail: [email protected]




Kind regards,Ricky Yau





Kurt Reindl2600 E Bayshore RoadPalo Alto, CA 94303E-Mail: [email protected]




Kind regards,Kurt Reindl





Mike Kagan2239 Townsgate RoadWestlake Village, CA 91361E-Mail: [email protected]




Kind regards,Mike Kagan





Anwar Alliyani10773 Charnock RoadLos Angeles, CA 90034E-Mail: [email protected]




Kind regards,

AnwarAnwar Alliyani





Jerry HabelP. O. Box 1551Palm Springs, CA 92263E-Mail: [email protected]




Kind regards,Jerry Habel





Jerry HabelP. O. Box 1551Palm Springs, CA 92263E-Mail: [email protected]




Kind regards,Jerry Habel





Marianne lundell6562 West 83rd StreetLos Angeles, CA 90045E-Mail: [email protected]




Kind regards,Marianne lundell





david phelps2183 ruskin avethousand oaks, CA 91360E-Mail: [email protected]




Kind regards,david phelps





Dan Dukesherer7750 Kentwood AveLos Angeles, CA 90045E-Mail: [email protected]




Kind regards,Dan Dukesherer





Yvette LANGWORTHY1163 w Fredkin driveCovina, CA 91722E-Mail: [email protected]




Kind regards,Yvette LANGWORTHY





Cynthia Neal256 Poplar Crest AvenueThousand Oaks, CA 91320E-Mail: [email protected]




Kind regards,Cynthia Neal





Michael Sandler185 Castillian AveThousand Oaks, CA 91320E-Mail: [email protected]




Kind regards,Michael Sandler





vimal dhawan19122 bechard avecerritos, CA 90703E-Mail: [email protected]




Kind regards,vimal dhawan





Mark FowlerP.O. Box 2028Santa Monica, CA 90406E-Mail: [email protected]




Kind regards,Mark Fowler





ROBERT PRICEP O Box 862289Los Angeles, CA 90086E-Mail: [email protected]




Kind regards,ROBERT PRICE





Michelle Gagnon228 E. Omaha Avenuefresno, CA 93720E-Mail: [email protected]



I am writing to offer my support for the pending OneWest and CIT merger. I have been impressed withthe team assembled by OneWest to continue to strengthen the bank and services offered to theSouthern California community. The merger with CIT will provide additional financial resources toOneWest while still allowing it to continue as a community bank offering special attention to itsSouthern California customers and offering employment opportunities. Based on the foregoing, I do notbelieve there is a need for a public hearing.

Kind regards,Michelle Gagnon





Michelle Reed1150 S. Olive StreetLos angeles, CA 90015E-Mail: [email protected]




Kind regards, Michelle Reed





matt cohen12220 Pigeon pass roadMoreno Valley, FL 92555E-Mail: [email protected]




Kind regards,matt cohen





Patrick McManus211 Oakwood RdWilmington, DE 19803E-Mail: [email protected]




Kind regards,Patrick McManus





Alejandro Platon2975 wilshire blvd. Ste 410Los Angeles, CA 90010E-Mail: [email protected]




Kind regards,Alejandro Platon





Rong Zhou5307 Degas AveTemple City, CA 91780E-Mail: [email protected]




Kind regards,Rong Zhou





Mark Dellovo260 Eldridge AveMill Valley , CA 94941E-Mail: [email protected]




Kind regards,Mark Dellovo





Dorothy Collins

Corona, CA 92883E-Mail: [email protected]




Kind regards,Dorothy Collins





Jennifer Sutton840 S Indiana AvenueSellersburg, IN 47172E-Mail: [email protected]




Kind regards,Jennifer Sutton





Sam Koo

New York, NY 10023E-Mail: [email protected]




Kind regards,Sam Koo





Lisa Owens

La Mesa, CA 91942E-Mail: [email protected]




Kind regards,Lisa Owens





Selene Sowden

Lake Lynn, PA 15451E-Mail: [email protected]




Kind regards,Selene Sowden





Margaret Setti2838 N. Brighton streetBurbank, CA 91504E-Mail: [email protected]




Kind regards,Margaret Setti





patricia ardigo116 morgan streetstamford, CT 06905E-Mail: [email protected]




Kind regards,patricia ardigo





Rodney Brown1303 J StreetSacramento, CA 95814E-Mail: [email protected]



As president and CEO of the California Bankers Association (CBA), I am writing to offer my full supportfor the pending OneWest Bank and CIT merger. As one of the nation’s largest state banking tradeassociations, the CBA proudly represents the majority of banks doing business in California, includingOneWest. Our membership is as diverse as California is, which is home to some of the nation’s largestand smallest banks, whose interests range from agribusiness to consumer lending, but are united intheir commitment to serving and supporting the needs of their customers and communities. For years,OneWest has served as a strong source of loans and a provider of banking services to a broad base ofbusinesses and consumers in Southern California. They are a bank dedicated to customer service and acommitment to the communities in which they operate. We are proud to count OneWest as a memberof the CBA and have no reservations regarding the merger.

Sincerely,Rodney Brown





scott bonham400 north brand blvdglendale, CA 91203E-Mail: [email protected]




Kind regards,scott bonham





Timothy Tyson1614 Spring RoadStoughton, WI 53589E-Mail: [email protected]




Kind regards,Timothy Tyson




From: [email protected]: NY Banksup Applications Comments; [email protected]: Support for the OneWest and CIT MergerDate: Tuesday, January 13, 2015 11:49:31 AM

Jack Erhard716 So. Adams St.Arlington, VA 22204E-Mail: [email protected]




Kind regards,Jack Erhard





Mary Valenzuela2027 Vista AlcedoCamarillo, CA 93012E-Mail: [email protected]




Kind regards,Mary Valenzuela





Arthur Valenzuela2027 Vista AlcedoCamarillo, CA 93012E-Mail: [email protected]




Kind regards,Arthur Valenzuela





Eric Johnson1408 Monforte DriveDavidsonville, MD 21035E-Mail: [email protected]




Kind regards,Eric Johnson





Susana Macias1404 E. Maple AveEl Segundo, CA 90245E-Mail: [email protected]




Kind regards,Susana Macias





Casey Ryan2055 N. Dayton St.Chicago, IL 60614E-Mail: [email protected]




Kind regards,Casey Ryan





Clyde Lemon609 Calle PortillaCamarillo , CA 93010E-Mail: [email protected]




Kind regards,Clyde Lemon





Chandrakant Patel18517 Grayland AveArtesia, CA 90701E-Mail: [email protected]




Kind regards,Chandrakant Patel





Neil Stowerone grand central placeNew York, NY 11228E-Mail: [email protected]




Kind regards,Neil Stower





Mimi Yu603 18th StreetSanta Monica, CA 90492E-Mail: [email protected]




Kind regards,Mimi Yu





Gregg Carpenter469 20th StreetSanta Monica, CA 90402E-Mail: [email protected]




Kind regards,Gregg Carpenter





Tarri Carbajal

Moreno valley, CA 92555E-Mail: [email protected]




Kind regards,Tarri Carbajal





Dick Sasaki1573 Via RanchoSan Lorenzo, CA 94580E-Mail: [email protected]




Kind regards,Dick Sasaki





Karen Speers18508 Grayland AvenueArtesia, CA 90701E-Mail: [email protected]




Our Artesia branch has been a big supporter of the local community and I believe with the merger thatwill not stop.

Kind regards,Karen Speers




From: [email protected]: NY Banksup Applications Comments; [email protected]: Support for the OneWest and CIT Merger- NOT!Date: Tuesday, January 13, 2015 4:34:16 PM

david katz245 E 93 Stny, NY 10128E-Mail: [email protected]

Subject: Support for the OneWest and CIT Merger- NOT!


I am writing to object to the proposed OneWest and CIT merger. We should not reward bad behaviorand some the these players were responsible for triggering the Great Recession.Let us not forget.I support the Fed having a public hearing.

Kind regards,david katz





Alan Brown6562 W 83rd StreetLos Angeles, CA 90045E-Mail: [email protected]




Kind regards,Alan Brown




Documents

Date: Monday, January 12, 2015 5:56:06 PM … · Date: Monday, January 12, 2015 5:51:20 PM _____ From: [email protected] Sent: Monday, January 12, 2015 5:51:15 PM (UTC-05:00)