Prospectus excerpt:  Securities offered: 1,200,000 Trust Preferred Securities, $25 liquidation amount per security, representing preferred interests in the assets of the Trust. The Trust’s assets will consist solely of the Debentures and payments received on the Debentures. The Trust has granted the Underwriters an option to purchase up to an additional 180,000 Trust Preferred Securities.

Offering price: $25 per Trust Preferred Security

Distributions payable: If you purchase Trust Preferred Securities, you will be entitled to receive cumulative cash distributions at a fixed annual rate of 10.50% on the liquidation amount of $25 per Trust Preferred Security. Distributions will accrue from the original date of issuance and will be paid quarterly in arrears on March 15, June 15, September 15 and December 15 of each year, commencing on September 15, 2008, on the same payment dates and in the same amounts as we pay interest to the Trust on a principal amount of Debentures equal to the liquidation amount of such Trust Preferred Securities. See “Description of Trust Preferred Securities — Distributions.” We may defer payment of distributions as described below.

Redemption: The maturity date of the Debentures is September 15, 2038. Repayment of the Debentures, at maturity or in whole or in part upon any early redemption, will automatically result in the redemption of the Trust Preferred Securities having a liquidation amount equal to the principal amount of Debentures redeemed.

Early redemption: Company has the right to redeem the Debentures in whole or in part at any interest payment date on or after September 15, 2013, subject to receiving the prior approval of the Federal Reserve. Additionally, they have the right to redeem the Debentures at any time, in whole, but not in part within 90 days of events which adversely affect the tax treatment or capital treatment of the Debentures and the Trust Preferred Securities, or adversely affect the status of the Trust under the Investment Company Act of 1940. See “Description of the Junior Subordinated Debentures and the Indenture — Redemption” for a discussion of the special events permitting redemption prior to September 15, 2013. The price at which the Debentures will be redeemed will be 100% of the principal amount plus accrued and unpaid interest to the redemption date. Any early redemption will automatically result in the redemption of Trust Preferred Securities having a liquidation amount equal to the principal amount of Debentures redeemed at the liquidation amount of $25 per Trust Preferred Security, plus accrued and unpaid distributions. Option to defer interest payments on the Debentures and distributions on the Trust Preferred Securities So long as there does not exist an event of default which would permit acceleration of the principal of the Debentures, we have the right, on one or more occasions, to defer the payment of interest on the Debentures for up to twenty consecutive interest periods without giving rise to an event of default under the terms of the Debentures or the Trust Preferred Securities, but not beyond September 15, 2038. If we exercise our right to defer interest payments on the Debentures: the Trust will also defer paying distributions on the Trust Preferred Securities during the period of deferral; unpaid distributions on the Trust Preferred Securities will accrue and compound quarterly at an annual rate of 10.50%; and subject to certain exceptions, we and our subsidiaries will be restricted from declaring and paying cash distributions or interest on our capital stock and debt securities that rank pari passu or junior to the Debentures, or purchasing, redeeming or otherwise acquiring or making liquidation payments on our capital stock.