Prospectus excerpt:  We are offering 12,000,000 depositary shares, each representing a 1/400th ownership interest in a share of our 4.250% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A, par value $0.0001 per share (the “Series A preferred stock”), with a liquidation preference of $25.00 per depositary share (equivalent to $10,000 per share of Series A preferred stock). As a holder of depositary shares, you will be entitled to all proportional rights and preferences of the Series A preferred stock represented thereby (including dividend, voting, redemption and liquidation rights). Holders of our depositary shares must exercise any such rights through the depositary.