Prospectus excerpt:  We are offering 4,000,000 depositary shares (the ôdepositary sharesö) each representing a 1/1000th ownership interest in a share of our 10.00% Series C Cumulative Preferred Stock , with a liquidation preference of $25,000.00 per preferred share ($25.00 per depositary share) (the ôSeries C Preferred Stockö), deposited with American Stock Transfer & Trust Company, LLC, as depositary. The depositary shares will be evidenced by depositary receipts. As a holder of a depositary share, you will be entitled to all proportional rights and preferences of a share of our Series C Preferred Stock (including dividend, voting, redemption and liquidation rights). You must exercise such rights through the depositary.

Holders of Series C Preferred Stock will be entitled to cumulative dividends (whether or not declared) from, and including, the date of original issuance at the rate of 10.00% per year of the $25,000.00 liquidation preference per preferred share (equivalent to an annual rate of $2,500.00 per preferred share, or an annual rate of $2.50 per depositary share). Dividends on the Series C Preferred Stock will be payable quarterly in arrears on March 15, June 15, September 15 and December 15 of each year (provided that if any dividend payment date is not a business day, then the dividend which would otherwise have been payable on that dividend payment date may be paid on the next succeeding business day) when, as and if declared by our board of directors, beginning on June 15, 2013.

At any time and from time to time on or after April 10 , 2018, we may, at our option, redeem the Series C Preferred Stock, in whole at any time or in part from time to time, for cash at a redemption price of $25,000.00 per preferred share ($25.00 per depositary share), plus all accumulated and unpaid dividends to, but not including, the date of redemption (referred to herein as the optional redemption). In addition, upon the occurrence of a change of control described herein, as a result of which neither our common stock nor the common securities of the acquiring or surviving entity (or American Depositary Receipts (ôADRsö) representing such securities) is listed on the New York Stock Exchange (the ôNYSEö), the NYSE MKT, or the NASDAQ Stock Market (ôNASDAQö), or listed or quoted on a successor exchange or quotation system, we may, at our option, redeem the Series C Preferred Stock, in whole or in part, within 90 days after the first date on which such change of control occurred, for cash at a redemption price of $25,000.00 per preferred share ($25.00 per depositary share), plus all accumulated and unpaid dividends to, but not including, the date of redemption (referred to herein as the change of control redemption). If we exercise any of our redemption rights relating to shares of Series C Preferred Stock, the holders of Series C Preferred Stock will not have the conversion right described below with respect to the shares of Series C Preferred Stock called for redemption.