Prospectus excerpt:  We are offering 17,000,000 depositary shares, each representing a 1/40th ownership interest in a share of our Fixed Rate Perpetual Non-Cumulative Preferred Stock, Series F, par value $1.00 per share, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share) (the “Series F Preferred Stock”). As a holder of depositary shares, you will be entitled to all proportional rights, preferences and other provisions of the Series F Preferred Stock (including those related to dividends, voting, redemption, and liquidation). You must exercise such rights through the depositary. Dividends on the Series F Preferred Stock, when, as and if declared by our board of directors or any duly authorized committee of the board of directors, will be payable from funds legally available therefor, on the liquidation preference amount, on a non-cumulative basis. Dividends will accrue from the first date of issuance at a rate of 5.650% per annum, payable quarterly in arrears, on the 15th day of March, June, September, and December of each year, commencing on December 15, 2018 (each, a “dividend payment date”). If our board of directors or any duly authorized committee of the board has not declared a dividend on the Series F Preferred Stock before the dividend payment date for any dividend period, such dividend shall not be cumulative and shall not be payable for such dividend period, and we will have no obligation to pay dividends for such dividend period, whether or not dividends on the Series F Preferred Stock are declared for any future dividend period.