Prospectus excerpt:  We are offering 30,000,000 depositary shares, each of which represents a 1/1,000th interest in a share of our 6.35% Fixed-to-Floating Rate Perpetual Non-Cumulative Preference Shares, Series A, $1.00 par value and $25,000 liquidation preference per share (equivalent to $25.00 per depositary share) (a ÙSeries A Preference Shareˆ). Each depositary share, evidenced by a depositary receipt, entitles the holder, through the depositary, to a proportional fractional interest in all rights and preferences of the Series A Preference Shares represented thereby (including any dividend, liquidation, redemption and voting rights).