Prospectus excerpt:  We are offering 2,608,000 shares of our 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, $0.01 par value (the “Preferred Stock”), with a liquidation preference of $25 per share of Preferred Stock. We will pay dividends from the original date of issuance, when, as, and if declared by our board of directors (or a duly authorized committee of our board of directors), at a fixed rate of 5.50% per annum, payable quarterly, in arrears, on February 15, May 15, August 15 and November 15 of each year, beginning on May 15, 2020. The Preferred Stock is perpetual and has no stated maturity.