Pricing Supplement Number 195 Dated September 10, 2007

CALCULATION OF REGISTRATION FEE

 


Title of Each Class of Securities Offered    Maximum
Aggregate Offering
Price(1)
        Amount of
Registration Fee(2)

4.850% Internotes® Due September 15, 2009

   $ 100,000        $ 3.07

5.100% Internotes® Due September 15, 2011

   $ 1,178,000        $ 36.16

6.000% Internotes® Due September 16, 2019

   $ 2,635,000        $ 80.89

6.300% Internotes® Due September 15, 2037

   $ 2,811,000        $ 86.30

TOTAL

        $ 206.43

(1) Excludes accrued interest, if any.
(2) A filing fee of $206.43 calculated in accordance with Rule 457(r), has been transmitted to the SEC in connection with the securities offered by means of this pricing supplement.

Prudential Financial InterNotes®, Due One Year or More from Date of Issue

Filed under Rule 424(b)(3), Registration Statement(s) No. 333-132469, 333-132469-01 and 333-132469-02

Pricing Supplement Number 195 Dated September 10, 2007

(to Prospectus dated March 16, 2006 and Prospectus Supplement dated March 16, 2006)

Investors should read this pricing supplement in conjunction with the Prospectus and Prospectus Supplement.

 

CUSIP

Number

  

Aggregate 

Principal 

Amount

   Selling
Price
 

Gross 

Concession 

 

Net 

Proceeds 

  

Coupon 

Type 

  

Coupon 

Rate 

 

Coupon 

Frequency 

  

Maturity 

Date 

  

1st 

Coupon 

Date

  

1st 

Coupon 

Amount

  

Survivor’s 

Option

  

Product 

Ranking

  

Moody’s 

Rating

  

S & P 

Rating

74432AUQ1

   $100,000.00    100.000%   0.400%   $99,600.00    FIXED    4.850%   SEMI-
ANNUAL
   09/15/2009    03/15/2008    $24.52    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Non-Callable.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets Services, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Securities LLC, Wachovia Securities, LLC

 

CUSIP

Number

  

Aggregate 

Principal 
Amount 

  

Selling 

Price 

 

Gross 

Concession

 

Net 

Proceeds 

   Coupon 
Type 
   Coupon 
Rate 
  Coupon 
Frequency 
   Maturity 
Date 
  

1st 

Coupon 

Date 

  

1st 

Coupon 

Amount 

  

Survivor’s 

Option 

  

Product 

Ranking 

  

Moody’s 

Rating 

  

S & P 

Rating 

74432AUR9

   $1,178,000.00    100.000%   0.750%   $1,169,165.00    FIXED    5.100%   SEMI-
ANNUAL
   09/15/2011    03/15/2008    $25.78    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Non-Callable.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets Services, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Securities LLC, Wachovia Securities, LLC

 

CUSIP

Number

  

Aggregate 

Principal 
Amount 

  

Selling 

Price 

 

Gross 

Concession

 

Net 

Proceeds 

   Coupon 
Type 
   Coupon 
Rate 
  Coupon 
Frequency 
   Maturity 
Date 
  

1st 

Coupon 

Date 

  

1st 

Coupon 

Amount 

  

Survivor’s 

Option 

  

Product 

Ranking 

  

Moody’s 

Rating 

  

S & P 

Rating 

74432AUS7

   $2,635,000.00    100.000%   1.700%   $2,590,205.00    FIXED    6.000%   SEMI-
ANNUAL
   09/16/2019    03/15/2008    $30.33    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Callable at 100.000% on 09/15/2010 and every interest payment date thereafter.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets Services, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Securities LLC, Wachovia Securities, LLC

The Prudential Financial, Inc. InterNotes will be subject to redemption at the option of Prudential Financial, Inc., in whole on the interest payment date occurring any time on or after 09/15/2010 at a redemption price equal to 100% of the principal amount of the Prudential Financial, Inc. InterNotes, plus accrued interest thereon, if any, upon at least 30 days’ prior notice to the noteholder and the trustee, as described in the prospectus.

 

CUSIP

Number

  

Aggregate 

Principal 
Amount 

  

Selling 

Price 

 

Gross 

Concession

 

Net 

Proceeds 

   Coupon 
Type 
   Coupon 
Rate 
  Coupon 
Frequency 
   Maturity 
Date 
  

1st 

Coupon 

Date 

  

1st 

Coupon 

Amount 

  

Survivor’s 

Option 

  

Product 

Ranking 

  

Moody’s 

Rating 

  

S & P 

Rating 

74432AUT5

   $2,811,000.00    100.000%   3.150%   $2,722,453.50    FIXED    6.300%   SEMI-
ANNUAL
   09/15/2037    03/15/2008    $31.85    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Callable at 100.000% on 09/15/2012 and every interest payment date thereafter.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets Services, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Securities LLC, Wachovia Securities, LLC

The Prudential Financial, Inc. InterNotes will be subject to redemption at the option of Prudential Financial, Inc., in whole on the interest payment date occurring any time on or after 09/15/2012 at a redemption price equal to 100% of the principal amount of the Prudential Financial, Inc. InterNotes, plus accrued interest thereon, if any, upon at least 30 days’ prior notice to the noteholder and the trustee, as described in the prospectus.

 

Prudential Financial, Inc.        Offering Dates: September 04, 2007 through September 10, 2007   

Prudential Financial, Inc.

$2,500,000,000.00 Prudential Financial

Retail Medium-Term Notes, including

Prudential Financial InterNotes® Prospectus

dated March 16, 2006 and the Prospectus

Supplement dated March 16, 2006

    

 

Trade Date: Monday, September 10, 2007 @12:00 PM ET

  
    

 

Settlement Date: Thursday, September 13, 2007

  
    

 

Minimum Denomination/Increments: $1,000.00/$1,000.00

  
    

 

Initial trades settle flat and clear SDFS: DTC Book Entry only

  
    

 

DTC number: 0235 via RBC Dain Rauscher Inc.

  
     If the maturity date or an interest payment date for any note is not a Business Day (as defined in the Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.   
    

 

The Prudential Financial, Inc. InterNotes will be represented by a master global note in fully registered form, without coupons. The master global note will be deposited with, or on behalf of, DTC and registered in the name of a nominee of DTC, as depository, or another depository as may be named in a subsequent pricing supplement.

 

  
    

InterNotes® is a registered trademark of Incapital Holdings LLC. All rights reserved