Prospectus excerpt:  We are offering 4,000,000 shares of our perpetual non-cumulative preferred stock, Series A, with a liquidation preference of $25 per share (the "Preferred Stock"). Dividends on the Preferred Stock, when, as and if declared by our board of directors or a duly authorized committee thereof, will be payable on the liquidation preference amount, on a non-cumulative basis, quarterly in arrears on the 15th day of February, May, August and November of each year, commencing on February 15, 2013, at an annual rate equal to 8.00%. If our board of directors or a duly authorized committee of the board has not declared a dividend on the Preferred Stock before the dividend payment date for any dividend period, such dividend shall not be cumulative and shall not accrue or 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 Preferred Stock are declared for any future dividend period.

We may redeem shares of the Preferred Stock (i) on any dividend payment date on or after February 15, 2018, in whole or in part, from time to time or (ii) prior to February 15, 2018, in whole, but not in part, upon the occurrence of a "regulatory capital treatment event," as described herein, in each case at a redemption price equal to $25 per share, plus any declared and unpaid dividends on the shares of Preferred Stock called for redemption. The Preferred Stock will not have any voting rights, except as described under "Description of the Preferred Stock?Voting Rights" below.