| Filed Under Rule 424(b)(3), Registration Statement No. 333-119172 |
| Pricing Supplement No. 48 dated December 20, 2004 |
| To Prospectus Dated October 28, 2004 and Prospectus Supplement Dated October 29, 2004 |
| CUSIP Number |
Principal Amount |
Price to Public |
Gross Concession |
Net Proceeds |
Coupon Type |
Interest Rate |
Interest Payment Frequency |
Maturity Date |
1st Interest Payment Date |
1st Interest Payment Amount Per Thousand Dollars of Principal Amount |
Survivor's Option |
Ranking |
| 12557WJU6 | $5,916,000.00 | 100.000% | 0.625% | $5,879,025.00 | FIXED | 3.450% | SEMI-ANNUAL | 12/15/2007 | 06/15/2005 | $16.48 | YES | Senior Unsecured Notes |
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: Bear, Stearns & Co. Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Raymond James, RBC Capital Markets, UBS Financial Services Inc., Wachovia Securities
| CUSIP Number |
Principal Amount |
Price to Public |
Gross Concession |
Net Proceeds |
Coupon Type |
Interest Rate |
Interest Payment Frequency |
Maturity Date |
1st Interest Payment Date |
1st Interest Payment Amount Per Thousand Dollars of Principal Amount |
Survivor's Option |
Ranking |
| 12557WJV4 | $3,314,000.00 | 100.000% | 1.000% | $3,280,860.00 | FIXED | 3.950% | SEMI-ANNUAL | 12/15/2009 | 06/15/2005 | $18.87 | YES | Senior Unsecured Notes |
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: Bear, Stearns & Co. Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Raymond James, RBC Capital Markets, UBS Financial Services Inc., Wachovia Securities
| CUSIP Number |
Principal Amount |
Price to Public |
Gross Concession |
Net Proceeds |
Coupon Type |
Interest Rate |
Interest Payment Frequency |
Maturity Date |
1st Interest Payment Date |
1st Interest Payment Amount Per Thousand Dollars of Principal Amount |
Survivor's Option |
Ranking |
| 12557WJW2 | $19,029,000.00 | 100.000% | 1.500% | $18,743,565.00 | FIXED | 5.100% | SEMI-ANNUAL | 12/15/2014 | 06/15/2005 | $24.37 | YES | Senior Unsecured Notes |
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: Bear, Stearns & Co. Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Raymond James, RBC Capital Markets, UBS Financial Services Inc., Wachovia Securities
The CIT InterNotes due 12/15/2014 will be subject to redemption at the option of CIT Group Inc., in whole or from time to time in part on the interest payment date occurring 12/15/2006 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the CIT InterNotes due 12/15/2014 plus accrued interest thereon, if any, upon at least 30 days prior notice to the noteholder and the trustee, as described in the prospectus supplement.
 CIT Group Inc. |
Trade Date: Monday, December 20, 2004 @12:00 PM ET
Settle Date: Thursday, December 23, 2004 Minimum Denomination/Increments: $1,000.00/$1,000.00 Initial trades settle flat and clear SDFS: DTC Book Entry only DTC Number: 0443 via Pershing, LLC Trustee: J.P. Morgan Trust Company, National Association If the maturity date, date of earlier redemption or repayment or an interest payment date for any note is not a business day (as such term is defined in the prospectus supplement), principal, premium, if any, and interest for that note will be paid on the next business day, and no interest will accrue on the amount payable from, and after, the maturity date, date of earlier redemption or repayment or such interest payment date. InterNotes® is the service mark of INCAPITAL, LLC. All Rights Reserved. |
CIT Group Inc.
$ 3,000,000,000 CIT InterNotes
|
||