Pricing Supplement Number 189 Dated [ ]

This pricing supplement, which is not complete, relates to an automatically effective Registration Statement under the Securities Act of 1933, as amended. We may not sell the notes until we deliver a final pricing supplement. This pricing supplement and the accompanying prospectus supplement and prospectus are not an offer to sell these notes in any jurisdiction where such an offer would not be permitted.

Subject to completion, dated July 23, 2007

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 189 Dated [ ]

(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

74432ATX8

   [        ]   100.000%   1.200%   [        ]   FIXED    5.750%   SEMI-
ANNUAL
   08/15/2014    02/15/2008    $30.83    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Callable at 100.000% on 08/15/2009 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 08/15/2009 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 

74432ATY6

   [        ]   100.000%   1.500%   [        ]   FIXED    6.000%   SEMI-
ANNUAL
   08/15/2017    02/15/2008    $32.17    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Callable at 100.000% on 08/15/2009 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 08/15/2009 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 

74432ATZ3

   [        ]   100.000%   2.500%   [        ]   FIXED    6.300%   SEMI-
ANNUAL
   08/16/2032    02/15/2008    $33.78    YES    Senior
Unsecured
Notes
   A3    A+

Redemption Information: Callable at 100.000% on 08/15/2012 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 08/15/2012 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: July 23, 2007 through July 30, 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, July 30, 2007 @12:00 PM ET

  
    

 

Settlement Date: Thursday, August 02, 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