cit_group_inc._supplement_no_39  
Filed Under Rule 424(b)(3), Registration Statement Nos. 333-98743 and 333-103966
Pricing Supplement No. 39 dated July 19, 2004
To Prospectus Dated May 09, 2003 and Prospectus Supplement Dated May 09, 2003
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
12557WHR5 $5,721,000.00 100.000% 0.400% $5,698,116.00 FIXED 2.875% SEMI-ANNUAL 07/15/2006 01/15/2005 $13.82 YES Senior Unsecured Notes
Redemption Information: Non-Callable
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: Banc One Capital Markets, Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Raymond James, RBC Capital Markets, UBS Financial Services Inc., Wachovia Securities, LLC
 
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
12557WHS3 $6,098,000.00 100.000% 0.750% $6,052,265.00 FIXED 3.800% SEMI-ANNUAL 07/15/2008 01/15/2005 $18.26 YES Senior Unsecured Notes
Redemption Information: Non-Callable
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: Banc One Capital Markets, Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Raymond James, RBC Capital Markets, UBS Financial Services Inc., Wachovia Securities, LLC
 
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
12557WHT1 $10,536,000.00 100.000% 1.500% $10,377,960.00 FIXED 5.300% SEMI-ANNUAL 07/15/2014 01/15/2005 $25.47 YES Senior Unsecured Notes
Redemption Information: Callable at 100.000% on 07/15/2006 and every interest payment date thereafter.
Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: Banc One Capital Markets, Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Raymond James, RBC Capital Markets, UBS Financial Services Inc., Wachovia Securities, LLC
The CIT InterNotes due 07/15/2014 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 07/15/2006 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the CIT InterNotes due 07/15/2014 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, July 19, 2004 @12:00 PM ET
Settle Date: Thursday, July 22, 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 (as successor to 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.
$ 4,000,000,000
CIT InterNotes