Prospectus excerpt:  The exchangeable capital securities, series B, which we refer to as the capital securities, will bear interest from the issue date at a rate of 5.75% per year. Interest will be payable quarterly in arrears on March 31, June 30, September 30 and December 31 of each year, beginning on September 30, 2003. We may elect on any payment date to defer making the interest payment for any period of time. All deferred interest payments will constitute missed payments and will accumulate without interest until paid.

We may exchange the capital securities in whole or in part on any payment date into one or more series of our exchange preference shares, each with a liquidation preference of $25. Exchange preference shares will be represented by American depositary shares and evidenced by American depositary receipts.

The capital securities are perpetual securities and have no maturity date. They cannot be redeemed at the holders? option at any time, and investors will only receive the principal amount of the capital securities if we elect to redeem them or in a winding up. We may redeem the capital securities in whole or in part on June 23, 2008 and on any payment date thereafter, or in whole but not in part on any payment date after issuance upon the occurrence of certain tax law changes. The redemption price will be 100% of the principal amount of the capital securities plus any accrued but unpaid interest payments to the redemption date and any missed payments accumulated and unpaid.