Pricing Supplement Number 75 Dated 06/20/2005

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

Filed under Rule 424(b)(3), Registration Statement(s) No. 333-104444, 333-104444-01, 333-104444-02, 333-123240, 333-123240-01 and 333-123240-02

Pricing Supplement Number 75 Dated 06/20/2005

(to Prospectus dated March 21, 2005 and Prospectus Supplement dated April 29, 2005)

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

 

CUSIP
Number    


  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


74432AHX1

  100.00%   0.625%   $3,371,793.75   FIXED   4.000%   SEMI-
ANNUAL
  12/15/2007   12/15/2005   $19.11   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, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP
Number    


  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


74432AHY9

  100.00%   0.750%   $650,087.50   FIXED   4.200%   SEMI-
ANNUAL
  6/15/2009   12/15/2005   $20.07   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, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP
Number    


  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


74432AHZ6

  100.00%   2.500%   $2,817,750.00   FIXED   5.450%   SEMI-
ANNUAL
  6/15/2030   12/15/2005   $26.04   YES   Senior
Unsecured
Notes
  A3   A-

Redemption Information: Callable at 100.000% on 06/15/2010 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, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., 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 06/15/2010 and on every interest payment date thereafter 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.

751 Broad Street

Newark NJ 07102

 

Trade Date: Monday, June 20, 2005 @12:00 PM

Settlement Date: Thursday, June 23, 2005

 

Minimum Denomination/Increments:

$1,000.00/$1,000.00

 

Initial trades settle flat and clear SDFS: DTC

Book Entry only

 

DTC number: 0116 via Refco Securities, LLC

 

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

  

Prudential Financial, Inc.

$2,000,000,000.00 Prudential Financial Retail

Medium-Term Notes, including Prudential

 

Financial InterNotes®

Prospectus dated March 21, 2005 and the

Prospectus Supplement dated April 29, 2005