Prospectus excerpt:  We are offering 347,827 depositary shares (the ÙDepositary Sharesˆ) each representing a 1/1000th interest in a share of our 11.5% Series A Cumulative Preferred Stock, with a liquidation preference of $25,000.00 per preferred share ($25.00 per Depositary Share) (the ÙSeries A Preferred Stockˆ), deposited with Computershare Trust Company, N.A., as depositary. The Depositary Shares will be evidenced by depositary receipts. As a holder of a Depositary Share, you will be entitled to all proportional rights and preferences of a share of the Series A Preferred Stock (including dividend, voting, redemption and liquidation rights). You must exercise such rights through the depositary.

Holders of the Series A Preferred Stock will be entitled to cumulative dividends (whether or not declared) from, and including, the date of original issuance at the rate of 11.5% per year of the $25,000.00 liquidation preference per preferred share (equivalent to an annual rate of $2,875.00 per preferred share or an annual rate of $2.875 per Depositary Share). Dividends on the Series A Preferred Stock will be payable monthly in arrears on the last day of each calendar month (provided that if any dividend payment date is not a business day, then the dividend which would otherwise have been payable on that dividend payment date may be paid on the next succeeding business day) when, as and if declared by our board of directors, beginning on December 31, 2013. Holders of Series A Preferred Stock will only be entitled to dividend payments for each monthly dividend period pursuant to which they are the holder of record as of the applicable record date (which is expected to be on or about the fifteenth of each monthly dividend period). The dividend rate will increase in certain circumstances as described in this prospectus supplement.