Prospectus excerpt:  We are offering 20,000,000 depositary shares, each representing a 1/40th ownership interest in a share of our Fixed-to-Floating Rate Perpetual Non-Cumulative Preferred Stock, Series E, par value $1.00 per share, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share) (the ÙSeries E Preferred Stockˆ). As a holder of depositary shares, you will be entitled to all proportional rights, preferences and other provisions of the Series E Preferred Stock (including those related to dividends, voting, redemption and liquidation). You must exercise such rights through the depositary.