cit_group_inc._supplement_no_21  
Filed Under Rule 424(b)(3), Registration Statement Nos. 333-92258 and 333-98743
Pricing Supplement No. 21 dated April 14, 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
12557WCN9 $13,684,000.00 100.000% .625% $13,598,475.00 3.750% SEMI-ANNUAL 04/15/2006 10/15/2003 $18.54 YES Senior Unsecured Notes
Redemption Information: Non-Callable.
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
12557WCP4 $10,065,000.00 100.000% 1.000% $9,964,350.00 4.600% QUARTERLY 04/15/2008 07/15/2003 $11.24 YES Senior Unsecured Notes
Redemption Information: Non-Callable.
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
12557WCQ2 $29,665,000.00 100.000% 1.500% $29,220,025.00 6.150% SEMI-ANNUAL 04/15/2013 10/15/2003 $30.41 YES Senior Unsecured Notes
Redemption Information: Callable at 100.000% on 04/15/2005 and every interest payment date thereafter.
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 14, 2003 @12:00 PM ET
Settle Date: Thursday, April 17, 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