| Filed Under Rule 424(b)(3), Registration Statement Nos. 333-92258 and 333-98743 |
| Pricing Supplement No. 20 dated April 7, 2003 |
| To Prospectus Dated September 13, 2002 and Prospectus Supplement Dated November 1, 2002 |
| CUSIP Number |
Principal Amount |
Price to Public |
Gross Concession |
Net Proceeds |
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 |
| 12557WCK5 | $11,207,000.00 | 100.000% | .400% | $11,162,172.00 | 3.250% | SEMI-ANNUAL | 04/15/2005 | 10/15/2003 | $16.70 | YES | Senior Unsecured Notes |
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: BMO Nesbitt Burns Corp., Charles Schwab & Co., Inc., Edward D. Jones & Co., L.P., Fidelity Capital Markets, a division of National Financial Services, LLC, RBC Capital Markets, Salomon Smith Barney, UBS PaineWebber Inc., Wachovia Securities
| CUSIP Number |
Principal Amount |
Price to Public |
Gross Concession |
Net Proceeds |
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 |
| 12557WCL3 | $6,954,000.00 | 100.000% | .750% | $6,901,845.00 | 4.150% | QUARTERLY | 04/15/2007 | 07/15/2003 | $10.95 | YES | Senior Unsecured Notes |
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: BMO Nesbitt Burns Corp., Charles Schwab & Co., Inc., Edward D. Jones & Co., L.P., Fidelity Capital Markets, a division of National Financial Services, LLC, RBC Capital Markets, Salomon Smith Barney, UBS PaineWebber Inc., Wachovia Securities
| CUSIP Number |
Principal Amount |
Price to Public |
Gross Concession |
Net Proceeds |
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 |
| 12557WCM1 | $25,666,000.00 | 100.000% | 1.500% | $25,281,010.00 | 6.150% | SEMI-ANNUAL | 04/15/2013 | 10/15/2003 | $31.60 | YES | Senior Unsecured Notes |
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: BMO Nesbitt Burns Corp., Charles Schwab & Co., Inc., Edward D. Jones & Co., L.P., Fidelity Capital Markets, a division of National Financial Services, LLC, RBC Capital Markets, Salomon Smith Barney, UBS PaineWebber Inc., Wachovia Securities
The CIT InterNotes due 04/15/2013 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 04/15/2005 and on any interest payment date
thereafter at a redemption price equal to 100% of the principal amount of the
CIT InterNotes due 04/15/2013 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. 1 CIT Drive Livingston, NJ 07039 |
Trade Date: Monday, April 7, 2003 @12:00 PM ET
Settle Date: Thursday, April 10, 2003 Minimum Denomination/Increments: $1,000.00/$1,000.00 Initial trades settle flat and clear SDFS: DTC Book Entry only DTC Number: 0262 via BNY Clearing Services, LLC Trustee: Bank One Trust Company, N.A. 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.
$ 2,000,000,000 CIT InterNotes
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