X0201 4 2003-11-18 0 0000788784 PUBLIC SERVICE ENTERPRISE GROUP INC PEG 0001176378 GAMPER ALBERT R JR CIT GROUP, INC. ONE CIT DRIVE LIVINGSTON NJ 07039 1 0 0 0 Phantom Stock 0.0000 2003-11-18 4 A 0 37.6412 39.8500 A 1988-08-08 1988-08-08 Common Stock 37.6412 3489.6278 D Phantom stock converts to common stock on a 1-for-1 basis. The shares of phantom stock become payable, in cash or common stock, at the election of the reporting person, upon the reporting person's termination of services as a director. The derivative, phantom stock, does not have a corresponding exercisable date nor expiration date. By: Scott Nydick, As Attorney-in-fact for A. Gamper 2003-11-19