cit_group_inc._supplement_no_49  
Filed Under Rule 424(b)(3), Registration Statement No. 333-119172
Pricing Supplement No. 49 dated January 3, 2005
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
12557WJX0 $3,271,000.00 100.000% 0.400% $3,257,916.00 FIXED 3.200% SEMI-ANNUAL 01/15/2007 07/15/2005 $16.80 YES Senior Unsecured Notes
Redemption Information: Non-Callable
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
12557WJY8 $2,120,000.00 100.000% 0.750% $2,104,100.00 FIXED 3.750% SEMI-ANNUAL 01/15/2009 07/15/2005 $19.69 YES Senior Unsecured Notes
Redemption Information: Non-Callable
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
12557WJZ5 $7,354,000.00 100.000% 1.500% $7,243,690.00 FIXED 5.050% SEMI-ANNUAL 01/15/2015 07/15/2005 $26.51 YES Senior Unsecured Notes
Redemption Information: Callable at 100.000% on 01/15/2007 and every interest payment date thereafter.
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 01/15/2015 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 01/15/2007 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the CIT InterNotes due 01/15/2015 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, January 3, 2005 @12:00 PM ET
Settle Date: Thursday, January 6, 2005 
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