<SEC-DOCUMENT>0001281761-24-000050.txt : 20240723
<SEC-HEADER>0001281761-24-000050.hdr.sgml : 20240723
<ACCEPTANCE-DATETIME>20240723170059
ACCESSION NUMBER:		0001281761-24-000050
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20240723
DATE AS OF CHANGE:		20240723

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			REGIONS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001281761
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				630589368
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-262964
		FILM NUMBER:		241135315

	BUSINESS ADDRESS:	
		STREET 1:		1900 FIFTH AVENUE NORTH
		CITY:			BIRMINGHAM
		STATE:			AL
		ZIP:			35203
		BUSINESS PHONE:		800-734-4667

	MAIL ADDRESS:	
		STREET 1:		1900 FIFTH AVENUE NORTH
		CITY:			BIRMINGHAM
		STATE:			AL
		ZIP:			35203

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEW REGIONS FINANCIAL CORP
		DATE OF NAME CHANGE:	20040225
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>regionsfinancialcorporatio.htm
<DESCRIPTION>424B2
<TEXT>
<html><head><title>Regions Financial Corporation 424B2</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_1" style="position: absolute; top: 9pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 464.75pt; position: absolute; text-decoration: none; white-space: pre;">Filed Pursuant to Rule 424(b)(2) <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 21pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 482.22pt; position: absolute; text-decoration: none; white-space: pre;">Registration No. <font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 554.6700000000001pt; position: absolute; text-decoration: none; white-space: pre;">333-262964<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 33pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">PROSPECTUS S<font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 83.13pt; position: absolute; text-decoration: none; white-space: pre;">UPPLEMENT<font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 145.84pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">(To Prospectus Dated February 24, 2022)<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 60pt; width: 612pt;"><div style="left: 241.2pt; position: absolute; top: 0pt;"><div style="position: absolute;"><img style="height: 21.64pt; width: 129.6pt;" src="regionslogo.jpg" alt="regionslogo.jpg"></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 89.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 226.71pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 107.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 137.07pt; position: absolute; text-decoration: none; white-space: pre;">20,000,000 Depositary Shares Each Representing a 1&#47;40th Interest in a Share of<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 119.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 181.12pt; position: absolute; text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Non-Cumulative Perpetual Preferred Stock, Series F<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 134.04pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.24pt; position: absolute; top: 142.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">We are offering 20,000,000 depositary shares each representing a 1&#47;40th ownership interest in a share of our Non-Cumulative Perpetual Preferred Stock, Series <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 152.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">F, par value $1 per share (&#8220;Preferred Stock&#8221;), with a liquidation preference of $1,000 per share of Preferred Stock (equivalent to $25 per depositary share). As a <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 163.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">holder of depositary shares, you will be entitled to all proportional rights and preferences of the Preferred Stock (including dividend, voting, redemption and <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.24pt; position: absolute; top: 174.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">liquidation rights). You must exercise these rights through the <font style="display: inline-block; height: 6.24pt;"></font></font><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 234.36pt; position: absolute; text-decoration: none; white-space: pre;">depositary. <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 191.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">We will pay dividends on the Preferred Stock, when, as, and if declared by our board of directors (or a duly authorized committee thereof). Dividends will <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 202.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">accrue on the stated amount of $1,000 per share of Preferred Stock at a fixed rate per annum equal to (i) 6.95% from the original issue date of the Preferred Stock to, <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 212.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">but excluding, September 15, 2029&#59; and (ii) the five-year treasury rate as of the most recent reset dividend determination date (as defined herein) plus&#160;2.771% for <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 223.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">each reset period from, and including, September 15, 2029. Non-cumulative dividends will be payable in arrears, if declared, on March 15, June 15, September 15 <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.24pt; position: absolute; top: 234.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">and December 15 of each year, beginning on <font style="display: inline-block; height: 6.24pt;"></font></font><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 172.6pt; position: absolute; text-decoration: none; white-space: pre;">September 15, 2024.<font style="display: inline-block; height: 6.24pt;"></font></font><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 247.06pt; position: absolute; text-decoration: none; white-space: pre;"> Upon payment of any dividends on the Preferred Stock, holders of depositary shares are expected <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 245.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">to receive a proportionate payment. Dividends on the Preferred Stock will not be cumulative and will not be mandatory.<font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 262.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">We may redeem the Preferred Stock at our option, subject to regulatory approval (if then required), at a redemption price equal to $1,000 per share of Preferred <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 272.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">Stock (equivalent of $25 per depositary share), plus any declared and unpaid dividends (without regard to any undeclared dividends) to but excluding the <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 283.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">redemption date, (1) in whole or in part, from time to time, on any dividend payment date (as defined herein) on or after September 15, 2029 or (2) in whole but not <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 294.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">in part, at any time following a regulatory capital treatment event (as defined herein). If we redeem the Preferred Stock, the depositary is expected to redeem a <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 305.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">proportionate number of depositary shares.<font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 322.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">The Preferred Stock will not have any voting rights except as described elsewhere in the prospectus supplement.<font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 338.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">Application will be made to list the depositary shares on the New York Stock Exchange (the &#8220;NYSE&#8221;) under the symbol &#8220;RFPrF.&#8221; If approved for listing, <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 349.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">trading of the depositary shares is expected to commence within a 30-day period after the original issuance date of the depositary shares.<font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 366.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">The depositary shares and the Preferred Stock are unsecured securities of Regions Financial Corporation. Neither the depositary shares nor the Preferred Stock <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 377.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">is a savings account, deposit or other obligation of any of our bank or non-bank subsidiaries and neither is insured by the Federal Deposit Insurance Corporation or <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 388.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">any other governmental agency or instrumentality.<font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="position: absolute; top: 404.84pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.09pt; position: absolute; top: 412.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">Investing in the depositary shares involves risks. See the section titled &#8220;<font style="display: inline-block; height: 6.09pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 299.29pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_19">Risk Factors</a><font style="display: inline-block; height: 6.09pt;"></font></font><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 347.99pt; position: absolute; text-decoration: none; white-space: pre;">&#8221; beginning on page <font style="display: inline-block; height: 6.09pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 426.97pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_19">S-8</a><font style="display: inline-block; height: 6.09pt;"></font></font><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 439.46pt; position: absolute; text-decoration: none; white-space: pre;"> of this prospectus supplement and in our <font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 423.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">Annual Report on Form 10-K for the year ended December 31, 2023 to read about factors you should consider before buying the depositary shares <font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 434.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">representing an interest in the Preferred Stock.<font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 451.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">Neither the Securities and Exchange Commission, any state securities commission, the Federal Deposit Insurance Corporation, the Board of <font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 462.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">Governors of the Federal Reserve System nor any other regulatory body has approved or disapproved of these securities or passed upon the adequacy or <font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 472.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">accuracy of this prospectus supplement. Any representation to the contrary is a criminal offense.<font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="position: absolute; top: 489.64pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="position: absolute; top: 497.64pt; width: 612pt;"><div style="font-size: 0pt; left: 9pt; position: absolute; top: 0pt; width: 594pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 460.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 20.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 20.25pt; left: 460.5pt; position: absolute; top: 0pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.62pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 6.98pt; position: absolute; text-decoration: none; white-space: pre;">Per Depositary <font style="display: inline-block; height: 5.41pt;"></font></font></div><div style="line-height: 5.41pt; position: absolute; top: 11.62pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 22.63pt; position: absolute; text-decoration: none; white-space: pre;">Share<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 20.25pt; left: 528.75pt; position: absolute; top: 0pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 11.62pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 23.52pt; position: absolute; text-decoration: none; white-space: pre;">Total<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 20.25pt; width: 460.5pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 460.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Public offering price<font style="display: inline-block; height: 6.24pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 460.5pt; position: absolute; top: 20.25pt; width: 65.25pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.24pt; width: 25.13pt;"></font></font><font style="left: 32.26pt; position: absolute;">25.0000<font style="display: inline-block; height: 6.24pt; width: 2.99pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 528.75pt; overflow: hidden; position: absolute; top: 20.25pt; width: 65.25pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.24pt;"></font></font><font style="left: 7.13pt; position: absolute;">500,000,000.00<font style="display: inline-block; height: 6.24pt; width: 2.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 33pt; width: 460.5pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 460.5pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Underwriting discounts<font style="display: inline-block; height: 6.24pt;"></font></font><font style="font-family: Times New Roman; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 87.32pt; position: absolute; text-decoration: none; top: -2.1839999999999997pt; vertical-align: super; white-space: pre;">(1)<font style="display: inline-block; height: 4.056pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 460.5pt; position: absolute; top: 33pt; width: 65.25pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.24pt; width: 29.63pt;"></font></font><font style="left: 36.760000000000005pt; position: absolute;">0.4929<font style="display: inline-block; height: 6.24pt; width: 2.99pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 528.75pt; position: absolute; top: 33pt; width: 65.25pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.24pt; width: 7.13pt;"></font></font><font style="left: 14.260000000000002pt; position: absolute;">9,859,000.00<font style="display: inline-block; height: 6.24pt; width: 2.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 45.75pt; width: 460.5pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 460.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Proceeds to Regions Financial Corporation, before expenses<font style="display: inline-block; height: 6.24pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 460.5pt; position: absolute; top: 45.75pt; width: 65.25pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.24pt; width: 25.13pt;"></font></font><font style="left: 32.26pt; position: absolute;">24.5071<font style="display: inline-block; height: 6.24pt; width: 2.99pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 528.75pt; overflow: hidden; position: absolute; top: 45.75pt; width: 65.25pt;"><div><div style="line-height: 6.24pt; position: absolute; top: 3.07pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.24pt;"></font></font><font style="left: 7.13pt; position: absolute;">490,141,000.00<font style="display: inline-block; height: 6.24pt; width: 2.99pt;"></font></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 5.54pt; position: absolute; top: 561.14pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">__________________<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 570.74pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">(1)<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">Reflects 10,960,000 depositary shares sold to institutional investors, for which the underwriters received an underwriting discount of $0.2500 per depositary share, <font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 580.34pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">and&#160;9,040,000&#160;depositary shares sold to retail investors, for which the underwriters received an underwriting discount of $0.7875 per depositary share.<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 595.94pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: absolute; text-decoration: none; white-space: pre;">The underwriters expect to deliver the depositary shares in book-entry form only, through the facilities of The Depository Trust Company for the accounts of <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 606.74pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">its participants, including Clearstream Banking, S.A, and Euroclear Bank S.A.&#47;N.V., as operator of the Euroclear System, against payment on or about July&#160;29, <font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="line-height: 6.24pt; position: absolute; top: 617.54pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: normal; left: 9pt; position: absolute; text-decoration: none; white-space: pre;">2024.<font style="display: inline-block; height: 6.24pt;"></font></font></div><div style="position: absolute; top: 631.34pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 639.34pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 241.29pt; position: absolute; text-decoration: none; white-space: pre;">Joint Book-Running Managers<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 651.34pt; width: 612pt;"><div style="font-size: 0pt; left: 10.87pt; position: absolute; top: 0pt; width: 590.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 74.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 7.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 72pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 7.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; 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text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 81.75pt; position: absolute; top: 0pt; width: 72pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 72pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.84pt; position: absolute; text-decoration: none; white-space: pre;">BofA Securities<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 161.25pt; position: absolute; top: 0pt; width: 123.75pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 123.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.86pt; position: absolute; text-decoration: none; white-space: pre;">Goldman Sachs &#38; Co. LLC<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 292.5pt; position: absolute; top: 0pt; width: 60pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 60pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">J.P. Morgan<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 360pt; position: absolute; top: 0pt; width: 105pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 105pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 5.59pt; position: absolute; text-decoration: none; white-space: pre;">RBC Capital Markets<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 472.5pt; position: absolute; top: 0pt; width: 117.75pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 117.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 8.37pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 5.41pt; position: absolute; top: 676.59pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: italic; font-weight: bold; left: 283.34pt; position: absolute; text-decoration: none; white-space: pre;">Co-Managers<font style="display: inline-block; height: 5.41pt;"></font></font></div><div style="position: absolute; top: 686.19pt; width: 612pt;"><div style="font-size: 0pt; left: 143.62pt; position: absolute; top: 0pt; width: 324.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 72.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 7.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 72pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 7.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 74.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 7.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 83.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 0pt; position: absolute; top: 0pt; width: 72.75pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 72.75pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Academy Securities<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 80.25pt; position: absolute; top: 0pt; width: 72pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 72pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.8pt; position: absolute; text-decoration: none; white-space: pre;">Blaylock Van, LLC<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 159.75pt; position: absolute; top: 0pt; width: 74.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 74.25pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.71pt; position: absolute; text-decoration: none; white-space: pre;">Ramirez &#38; Co., Inc.<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 241.5pt; position: absolute; top: 0pt; width: 83.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 83.25pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">R. Seelaus &#38; Co., LLC<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="position: absolute; top: 712.19pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.77pt; position: absolute; top: 720.19pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 213.54pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus Supplement dated July&#160;22, 2024<font style="display: inline-block; height: 6.77pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 594pt;"></div></div><div style="left: 0pt; position: absolute; top: 783pt;"><div style="width: 594pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_4" style="position: absolute; top: 72pt;"></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 252.15pt; position: absolute; text-decoration: none; white-space: pre;">TABLE OF CONTENTS<font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 359.85pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 255.89pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus Supplement<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 114pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 432.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 35.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 432.75pt; position: absolute; top: 0pt; width: 35.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 35.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 9.41pt; position: absolute; text-decoration: none; white-space: pre;">Page<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 12pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_7">ABOUT THIS PROSPECTUS SUPPLEMENT</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 12pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.19pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_7">S-ii</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 26.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_10">WHERE YOU CAN FIND MORE INFORMATION</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 26.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 15.96pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_10">S-iv</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 40.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_13">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 40.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_13">S-v</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 54.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;">SUMMARY<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 54.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_482">S-</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_1649267442407">1</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 69pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_19">RISK FACTORS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 69pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_19">S-8</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 83.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_25">USE OF PROCEEDS</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.36999999999999pt; letter-spacing: 0.21em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 83.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_25">S-14</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 97.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;">CAPITALIZATION<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 97.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_22">S-</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 22.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_549755814619">15</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 111.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_430">CAPITAL COMPONENTS AND RATIOS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 111.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_430">S-16</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 126pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_436">DESCRIPTION OF CAPITAL STOCK</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 126pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_436">S-17</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 140.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_28">DESCRIPTION OF THE SERIES F PREFERRED STOCK</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 140.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_28">S-21</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 154.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_464">DESCRIPTION OF THE DEPOSITARY SHARES</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 154.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_464">S-32</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 168.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_31">BOOK-ENTRY, DELIVERY AND FORM OF DEPOSITARY SHARES</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 168.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_31">S-35</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 183pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_34">UNITED STATES FEDERAL INCOME TAX CONSEQUENCES</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 183pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_34">S-39</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 197.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_471">EMPLOYEE RETIREMENT INCOME SECURITY ACT</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 197.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_471">S-44</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 211.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_40">UNDERWRITING (CONFLICTS OF INTEREST)</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 211.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_40">S-46</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 225.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_43">VALIDITY OF THE SHARES</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 225.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_43">S-52</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 240pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_448">EXPERTS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 240pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 13.73pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_448">S-52</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 6.77pt; position: absolute; top: 382.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 282.69pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 403.25pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 432.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 35.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 432.75pt; position: absolute; top: 0pt; width: 35.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 35.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 9.41pt; position: absolute; text-decoration: none; white-space: pre;">Page<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 12pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_52">ABOUT THIS PROSPECTUS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 12pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_52">1</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 26.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_55">WHERE YOU CAN FIND MORE INFORMATION</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 26.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_55">2</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 40.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_58">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 40.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_58">2</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 54.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_61">THE COMPANY</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 54.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_61">2</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 69pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_64">RISK FACTORS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 69pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_64">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 83.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_67">USE OF PROCEEDS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 83.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_67">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 97.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_70">VALIDITY OF THE SECURITIES</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 97.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_70">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 111.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_73">EXPERTS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 111.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_73">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 22.42pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 300.17pt; position: absolute; text-decoration: none; white-space: pre;">S-i<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_7" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 205.37pt; position: absolute; text-decoration: none; white-space: pre;">ABOUT THIS PROSPECTUS SUPPLEMENT<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This document consists of two parts. The first part is the prospectus supplement, which describes the specific <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">terms of this offering. The second part is the prospectus, which describes more general information, some of which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">may not apply to this offering. You should read both this prospectus supplement and the accompanying prospectus, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">together with additional information described below under the heading &#8220;Where You Can Find More Information.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Unless otherwise mentioned or unless the context requires otherwise, all references in this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our&#8221; or similar references mean Regions Financial Corporation and not its subsidiaries <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and references to &#8220;Regions&#8221; mean Regions Financial Corporation and its subsidiaries.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 195pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If the information set forth in this prospectus supplement differs in any way from the information set forth in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accompanying prospectus, you should rely on the information set forth in this prospectus supplement.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We and the underwriters have not authorized anyone to provide you with any information other than that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">contained in this prospectus supplement, the accompanying prospectus, and any related free writing prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prepared by us or on our behalf. When you make a decision about whether to invest in the depositary shares, you <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">should not rely upon any information other than the information in this prospectus supplement, the accompanying <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus, any related free writing prospectus prepared by us or on our behalf and the documents incorporated by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">reference. We and the underwriters take no responsibility for, and can provide no assurances as to the reliability of, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any other information that others may give you. You should assume that information contained in this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement, the accompanying prospectus, any related free writing prospectus prepared by us or on our behalf and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the documents incorporated by reference herein is accurate only as of their respective dates. Our business, financial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">condition, results of operations and prospects may have changed since those dates. This prospectus supplement and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the accompanying prospectus are not an offer to sell or solicitation of an offer to buy depositary shares in any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">circumstances under which the offer or solicitation is unlawful.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">PRIIPs REGULATION&#47; PROHIBITION OF SALES TO EEA RETAIL INVESTORS<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 457.56pt; position: absolute; white-space: pre;"> &#8211; The depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares are not intended to be offered, sold or otherwise made available to and should not be offered, sold or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">otherwise made available to any retail investor in the European Economic Area (&#8220;EEA&#8221;). For these purposes, a retail <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">investor means a person who is one (or more) of&#58; (i) a retail client as defined in point (11) of Article 4(1) of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Directive 2014&#47;65&#47;EU (as amended, &#8220;MiFID II&#8221;)&#59; (ii) a customer within the meaning of Directive (EU) 2016&#47;97 (the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;Insurance Distribution Directive&#8221;), where that customer would not qualify as a professional client as defined in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">point (10) of Article 4(1) of MiFID II&#59; or (iii) not a qualified investor as defined in Regulation (EU) 2017&#47;1129 (as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">amended, the &#8220;Prospectus Regulation&#8221;). Consequently no key information document required by Regulation (EU) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">No 1286&#47;2014 (as amended, the &#8220;PRIIPs Regulation&#8221;) for offering or selling the depositary shares or otherwise <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">making them available to retail investors in the EEA has been prepared and therefore offering or selling the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares or otherwise making them available to any retail investor in the EEA may be unlawful under the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">PRIIPs Regulation.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">UK PRIIPs REGULATION&#47; PROHIBITION OF SALES TO UK RETAIL INVESTORS<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 469.5pt; position: absolute; white-space: pre;"> &#8211; The depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares are not intended to be offered, sold or otherwise made available to and should not be offered, sold or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">otherwise made available to any retail investor in the United Kingdom (&#8220;UK&#8221;). For these purposes, a retail investor <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">means a person who is one (or more) of&#58; (i) a retail client, as defined in point (8) of Article 2 of Regulation <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(EU)&#160;No&#160;2017&#47;565 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(&#8220;EUWA&#8221;)&#59; or (ii) a customer within the meaning of the provisions of the Financial Services and Markets Act 2000 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(as amended, the &#8220;FSMA&#8221;) and any rules or regulations made under the FSMA to implement the Insurance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Distribution Directive, where that customer would not qualify as a professional client, as defined in point (8) of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Article 2(1) of Regulation (EU) No 600&#47;2014 as it forms part of domestic law by virtue of the EUWA&#59; or (iii) not a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">qualified investor as defined in Article 2 of the Prospectus Regulation as it forms part of domestic law by virtue of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the EUWA (the &#8220;UK Prospectus Regulation&#8221;). Consequently, no key information document required by the PRIIPs <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Regulation as it forms part of domestic law by virtue of the EUWA (the &#8220;UK PRIIPs Regulation&#8221;) for offering or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">selling the shares or otherwise making them available to retail investors in the UK has been prepared and therefore <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 690pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">offering or selling the shares or otherwise making them available to any retail investor in the UK may be unlawful <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 702pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">under the UK PRIIPs Regulation.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 22.42pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 298.78pt; position: absolute; text-decoration: none; white-space: pre;">S-ii<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">NOTICE TO PROSPECTIVE INVESTORS IN THE UNITED KINGDOM<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 412.31pt; position: absolute; white-space: pre;"> &#8211; This prospectus supplement <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and the accompanying prospectus are only being distributed to, and are only directed at, (i) persons who are outside <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the United Kingdom or (ii) to investment professionals falling within Article 19(5) of the Financial Services and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the &#8220;Order&#8221;), or (iii) high net worth entities, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other persons to whom it may lawfully be communicated, falling within Article 49(2)(a) to (d) of the Order (each <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such person being referred to as a &#8220;relevant person&#8221;). This prospectus supplement and the accompanying prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and their contents should not be distributed, published or reproduced (in whole or in part) or disclosed by recipients <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to any other persons in the United Kingdom. The depositary shares are only available to, and any invitation, offer or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">agreement to subscribe, purchase or otherwise acquire such depositary shares will be engaged in only with, relevant <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">persons. Any person in the United Kingdom that is not a relevant person should not act or rely on this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement and&#47;or the accompanying prospectus or any of their contents.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This prospectus supplement and the accompanying prospectus have not been approved for the purposes of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Section 21 of the FSMA by a person authorized under FSMA. This prospectus supplement and the accompanying <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus are being distributed and communicated to persons in the United Kingdom only in circumstances in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which Section 21(1) of FSMA does not apply to us.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 22.42pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.4pt; position: absolute; text-decoration: none; white-space: pre;">S-iii<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_10" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 193.71pt; position: absolute; text-decoration: none; white-space: pre;">WHERE YOU CAN FIND MORE INFORMATION<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We file annual, quarterly and current reports, proxy statements and other information with the Securities and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Exchange Commission (the &#8220;SEC&#8221;). Our SEC filings are available to the public over the Internet at the SEC&#8217;s web <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">site at <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 98.06pt; position: absolute; white-space: pre;">www.sec.gov<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 150.22pt; position: absolute; white-space: pre;"> and on the investor relations page of our website at www.regions.com. Except for SEC filings <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">incorporated by reference in this prospectus supplement and the accompanying prospectus, none of the information <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on or that can be accessed through our website is part of this prospectus supplement or the accompanying <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The SEC allows us to &#8220;incorporate by reference&#8221; into this prospectus supplement the information we file with it, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which means that we can disclose important information to you by referring you to those documents. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information incorporated by reference is an important part of this prospectus supplement and information that we <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subsequently file with the SEC will automatically update and supersede the information in this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement and in our other filings with the SEC. We incorporate by reference the documents listed below, which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">we have already filed with the SEC, and any future filings we make with the SEC under Section 13(a), 13(c), <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">14&#160;or&#160;15(d) of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), until we sell all the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares offered by this prospectus supplement (in each case, other than information that is deemed, under <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">SEC rules, not to have been filed.)&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Our Annual Report on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 200.16pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000010/rf-20231231.htm">Form 10-K</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.87pt; position: absolute; text-decoration: none; white-space: pre;"> for the year ended December 31, 2023, filed February 23, 2024&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Our Proxy Statement on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 207.37pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000016/rf-20240304.htm">Schedule 14A</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 263.71000000000004pt; position: absolute; text-decoration: none; white-space: pre;"> for our Annual Meeting of Shareholders held on April 17, 2024, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">filed March 4, 2024&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 345pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Our Quarterly Report on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 209.01999999999998pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000032/rf-20240331.htm">Form 10-Q</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 253.73pt; position: absolute; text-decoration: none; white-space: pre;"> for the quarter ended March 31, 2024, filed May 7, 2024&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Our Current Reports on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 205.15pt; position: absolute; text-decoration: none; white-space: pre;">Form 8-K<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.86pt; position: absolute; text-decoration: none; white-space: pre;">, filed <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 270.65999999999997pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000119312524036364/d690133d8k.htm">February 14, 2024</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 344.24pt; position: absolute; text-decoration: none; white-space: pre;">, <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.24pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000019/rf-20240417.htm">April 18, 2024</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 407.83pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 410.33pt; position: absolute; text-decoration: none; white-space: pre;">and <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 427.26pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000119312524156033/d842857d8k.htm">June 6, 2024</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 478.08pt; position: absolute; text-decoration: none; white-space: pre;">.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">You may<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 126.92pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 129.47pt; position: absolute; text-decoration: none; white-space: pre;">request<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 158.32pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 160.87pt; position: absolute; text-decoration: none; white-space: pre;">a copy of these<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 221.08pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 223.63pt; position: absolute; text-decoration: none; white-space: pre;">filings<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 249.16pt; letter-spacing: 0.01em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.76pt; position: absolute; text-decoration: none; white-space: pre;">(other<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 275.62pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 278.16999999999996pt; position: absolute; text-decoration: none; white-space: pre;">than<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 295.37pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.91999999999996pt; position: absolute; text-decoration: none; white-space: pre;">an exhibit<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 337.59000000000003pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 340.14pt; position: absolute; text-decoration: none; white-space: pre;">to a filing<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 378.98pt; letter-spacing: 0.01em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 381.58pt; position: absolute; text-decoration: none; white-space: pre;">unless<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 406.56pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 409.11pt; position: absolute; text-decoration: none; white-space: pre;">that<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 424.08pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 426.63pt; position: absolute; text-decoration: none; white-space: pre;">exhibit<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 454.37pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 456.92pt; position: absolute; text-decoration: none; white-space: pre;">is<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 463.58pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 466.13pt; position: absolute; text-decoration: none; white-space: pre;">specifically <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">incorporated<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.49000000000001pt; letter-spacing: 0.01em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 125.09pt; position: absolute; text-decoration: none; white-space: pre;">by reference<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 174.73000000000002pt; letter-spacing: 0.01em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 177.32999999999998pt; position: absolute; text-decoration: none; white-space: pre;">into<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 192.87pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 195.42000000000002pt; position: absolute; text-decoration: none; white-space: pre;">that<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 210.39pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 212.94pt; position: absolute; text-decoration: none; white-space: pre;">filing)<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.91pt; letter-spacing: 0.01em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 240.51pt; position: absolute; text-decoration: none; white-space: pre;">at<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 247.71pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 250.26pt; position: absolute; text-decoration: none; white-space: pre;">no cost,<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 281.35pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 283.9pt; position: absolute; text-decoration: none; white-space: pre;">by writing<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 325.26pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 327.81pt; position: absolute; text-decoration: none; white-space: pre;">or calling<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.81pt; letter-spacing: 0.01em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 368.41pt; position: absolute; text-decoration: none; white-space: pre;">us at<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 387pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.55pt; position: absolute; text-decoration: none; white-space: pre;">the<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 401.75pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 404.3pt; position: absolute; text-decoration: none; white-space: pre;">following<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 443.16pt; letter-spacing: 0.005em; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 445.71pt; position: absolute; text-decoration: none; white-space: pre;">address&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.4pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 269.51pt; position: absolute; text-decoration: none; white-space: pre;">Investor Relations<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 255.33pt; position: absolute; text-decoration: none; white-space: pre;">1900 Fifth Avenue North<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 246.47pt; position: absolute; text-decoration: none; white-space: pre;">Birmingham, Alabama 35203<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.04pt; position: absolute; text-decoration: none; white-space: pre;">Telephone&#58; (205) 264-7040<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.67pt; position: absolute; text-decoration: none; white-space: pre;">S-iv<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_13" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 147.48pt; position: absolute; text-decoration: none; white-space: pre;">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The information included or incorporated by reference in this prospectus supplement and the accompanying <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus may include forward-looking statements as defined in the Private Securities Litigation Reform Act <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of&#160;1995. The words &#8220;future,&#8221; &#8220;anticipates,&#8221; &#8220;assumes,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;seeks,&#8221; &#8220;believes,&#8221; &#8220;predicts,&#8221; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;potential,&#8221; &#8220;objectives,&#8221; &#8220;estimates,&#8221; &#8220;expects,&#8221; &#8220;targets,&#8221; &#8220;projects,&#8221; &#8220;outlook,&#8221; &#8220;forecast,&#8221; &#8220;would,&#8221; &#8220;will,&#8221; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;may,&#8221; &#8220;might,&#8221; &#8220;could,&#8221; &#8220;should,&#8221; &#8220;can,&#8221; and similar terms and expressions often signify forward-looking <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">statements. Forward-looking statements are subject to the risk that the actual effects may differ, possibly materially, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">unpredictable and in many cases beyond our control. Forward-looking statements are not based on historical <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information, but rather are related to future operations, strategies, financial results or other developments. Forward-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">looking statements are based on management&#8217;s current expectations as well as certain assumptions and estimates <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">made by, and information available to, management at the time the statements are made. Those statements are based <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on general assumptions and are subject to various risks, and because they also relate to the future they are likewise <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">beliefs and projections expressed in such statements. Therefore, we caution you against relying on any of these <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">forward-looking statements. These risks, uncertainties and other factors include, but are not limited to, those <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">described below&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Current and future economic and market conditions in the United States generally or in the communities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions serves (in particular the Southeastern United States), including the effects of possible declines in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">property values, increases in interest rates and unemployment rates, inflation, financial market disruptions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and potential reductions of economic growth, which may adversely affect Regions&#8217; lending and other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">businesses and Regions&#8217; financial results and condition.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">agencies, central banks and similar organizations, which could have a material adverse effect on Regions&#8217; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">businesses and Regions&#8217; financial results and condition.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Changes in market interest rates or capital markets could adversely affect Regions&#8217; revenue and expense, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the value of assets (such as Regions&#8217; portfolio of investment securities) and obligations, as well as the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">availability and cost of capital and liquidity.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Volatility and uncertainty about the direction of interest rates and the timing of any changes, which may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">lead to increased costs for businesses and consumers and potentially contribute to poor business and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">economic conditions generally.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Possible changes in the creditworthiness of customers and the possible impairment of the collectability of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">loans and leases, including operating leases.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Changes in the speed of loan prepayments, loan origination and sale volumes, charge-offs, credit loss <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 543pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">provisions or actual credit losses where Regions&#8217; allowance for credit losses may not be adequate to cover <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; eventual losses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Possible acceleration of prepayments on mortgage-backed securities due to declining interest rates, and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">related acceleration of premium amortization on those securities.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Possible changes in consumer and business spending and saving habits and the related effect on Regions&#8217; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 621pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ability to increase assets and to attract deposits, which could adversely affect Regions&#8217; net income.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Loss of customer checking and savings account deposits as customers pursue other, higher-yield <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">investments, or the need to price interest-bearing deposits higher due to competitive forces. Either of these <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">activities could increase Regions&#8217; funding costs.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Possible downgrades in Regions&#8217; credit ratings or outlook could, among other negative impacts, increase <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the cost of funding from capital markets.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-v<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The loss of value of Regions&#8217; investment portfolio could negatively impact market perceptions of Regions.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">so as to maintain sufficient capital and liquidity to support Regions&#8217; businesses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of social media on market perceptions of Regions and banks generally.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 147pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Market replacement of LIBOR and the related effect on Regions&#8217; legacy<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 397.59pt; position: absolute; text-decoration: none; white-space: pre;"> LIBOR<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 430.06pt; position: absolute; text-decoration: none; white-space: pre;">-based financial products <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 159pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and contracts, including, but not limited to, derivative products, debt obligations, deposits, investments, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 171pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">loans.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of problems encountered by other financial institutions that adversely affect Regions or the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">banking industry generally could require Regions to change certain business practices, reduce Regions&#8217; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">revenue, impose additional costs on Regions, or otherwise negatively affect Regions&#8217; businesses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Volatility in the financial services industry (including failures or rumors of failures of other depository <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">institutions), along with actions taken by governmental agencies to address such turmoil, could affect the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ability of depository institutions, including Regions, to attract and retain depositors and to borrow or raise <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">capital.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to effectively compete with other traditional and non-traditional financial services <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">companies, including fintechs, some of which possess greater financial resources than Regions does or are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">subject to different regulatory standards than Regions is.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; inability to develop and gain acceptance from current and prospective customers for new products <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and services and the enhancement of existing products and services to meet customers&#8217; needs and respond <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to emerging technological trends in a timely manner could have a negative impact on Regions&#8217; revenue.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; inability to keep pace with technological changes, including those related to the offering of digital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">banking and financial services, could result in losing business to competitors.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to execute on Regions&#8217; strategic and operational plans, including Regions&#8217; ability to fully <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">realize the financial and non-financial benefits relating to Regions&#8217; strategic initiatives.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The risks and uncertainties related to Regions&#8217; acquisition or divestiture of businesses and risks related to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">such acquisitions, including that the expected synergies, cost savings and other financial or other benefits <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">may not be realized within expected timeframes, or might be less than projected&#59; and difficulties in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">integrating acquired businesses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The success of Regions&#8217; marketing efforts in attracting and retaining customers.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to achieve Regions&#8217; expense management initiatives.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Changes in commodity market prices and conditions could adversely affect the cash flows of Regions&#8217; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">borrowers operating in industries that are impacted by changes in commodity prices (including businesses <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">indirectly impacted by commodities prices such as businesses that transport commodities or manufacture <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">equipment used in the production of commodities), which could impair the ability of those borrowers to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 597pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">service any loans outstanding to them and&#47;or reduce demand for loans in those industries.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of geopolitical instability, including wars, conflicts, civil unrest, and terrorist attacks and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">potential impact, directly or indirectly, on Regions&#8217; businesses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Fraud, theft or other misconduct conducted by external parties, including Regions&#8217; customers and business <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">partners, or by Regions&#8217; employees.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Any inaccurate or incomplete information provided to Regions by Regions&#8217; customers or counterparties.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.67pt; position: absolute; text-decoration: none; white-space: pre;">S-vi<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Inability of Regions&#8217; framework to manage risks associated with Regions&#8217; businesses, such as credit risk <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and operational risk, including third-party vendors and other service providers, which inability could, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">among other things, result in a breach of operating or security systems as a result of a cyber-attack or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">similar act or failure to deliver Regions&#8217; services effectively.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to identify and address operational risks associated with the introduction of or changes to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">products, services, or delivery platforms.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Dependence on key suppliers or vendors to obtain equipment and other supplies for Regions&#8217; businesses on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">acceptable terms.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 195pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The inability of Regions&#8217; internal controls and procedures to prevent, detect or mitigate any material errors <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or fraudulent acts.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to identify and address cyber-security risks such as data security breaches, malware, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ransomware, &#8220;denial of service&#8221; attacks, &#8220;hacking&#8221; and identity theft, including account take-overs, a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">failure of which could disrupt Regions&#8217; businesses and result in the disclosure of and&#47;or misuse or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">misappropriation of confidential or proprietary information, disruption or damage to Regions&#8217; systems, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">increased costs, losses, or adverse effects to Regions&#8217; reputation.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of the failure of any component of Regions&#8217; business infrastructure provided by a third party <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 309pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">could disrupt Regions&#8217; businesses, result in the disclosure of and&#47;or misuse of confidential information or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 321pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">proprietary information, increase Regions&#8217; costs, negatively affect Regions&#8217; reputation, and cause losses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of any developments, changes or actions relating to any litigation or regulatory proceedings <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 354pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">brought against Regions or any of Regions&#8217; subsidiaries.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The costs, including possibly incurring fines, penalties, or other negative effects (including reputational <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">actions or other legal actions to which Regions or any of Regions&#8217; subsidiaries are a party, and which may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">adversely affect Regions&#8217; results.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Changes in laws and regulations affecting Regions&#8217; businesses, including legislation and regulations <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">relating to bank products and services, such as changes to debit card interchange fees, special FDIC <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">assessments, any new long-term debt requirements, as well as changes in the enforcement and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">interpretation of such laws and regulations by applicable governmental and self-regulatory agencies, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">including as a result of the changes in U.S. presidential administration, control of the U.S. Congress, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">changes in personnel at the bank regulatory agencies, which could require Regions to change certain <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">business practices, increase compliance risk, reduce Regions&#8217; revenue, impose additional costs on Regions, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or otherwise negatively affect Regions&#8217; businesses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; capital actions, including dividend payments, common stock repurchases, or redemptions of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">preferred stock, must not cause Regions to fall below minimum capital ratio requirements, with applicable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">buffers taken into account, and must comply with other requirements and restrictions under law or imposed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">by Regions&#8217; regulators, which may impact Regions&#8217; ability to return capital to shareholders.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to comply with stress testing and capital planning requirements (as part of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Comprehensive Capital Analysis and Review process or otherwise) may continue to require a significant <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">investment of Regions&#8217; managerial resources due to the importance of such tests and requirements.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to comply with applicable capital and liquidity requirements (including, among other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">things, the Basel III capital standards), including Regions&#8217; ability to generate capital internally or raise <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">capital on favorable terms, and if Regions fails to meet requirements, Regions&#8217; financial condition and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">market perceptions of Regions could be negatively impacted.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.28pt; position: absolute; text-decoration: none; white-space: pre;">S-vii<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to recruit and retain talented and experienced personnel to assist in the development, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">management and operation of Regions&#8217; products and services may be affected by changes in laws and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">regulations in effect from time to time.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; ability to receive dividends from Regions&#8217; subsidiaries, in particular Regions Bank, could affect <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; liquidity and ability to pay dividends to shareholders.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Fluctuations in the price of Regions&#8217; common stock and inability to complete stock repurchases in the time <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">frame and&#47;or on the terms anticipated.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 183pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of anti-takeover laws and exclusive forum provision in Regions&#8217; certificate of incorporation and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 195pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">bylaws.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effect of new tax legislation and&#47;or interpretation of existing tax law, which may impact Regions&#8217; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">earnings, capital ratios and Regions&#8217; ability to return capital to shareholders.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Changes in accounting policies or procedures as may be required by the Financial Accounting Standard <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Board or other regulatory agencies could materially affect Regions&#8217; financial statements and how Regions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reports those results, and expectations and preliminary analyses relating to how such changes will affect <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 285pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; financial results could prove incorrect.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Any impairment of Regions&#8217; goodwill or other intangibles, any repricing of assets or any adjustment of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">valuation allowances on Regions&#8217; deferred tax assets due to changes in tax law, adverse changes in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">economic environment declining operations of the reporting unit or other factors.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of man-made and natural disasters, including fires, floods, droughts, tornadoes, hurricanes and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">environmental damage (especially in the Southeastern United States), which may negatively affect <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; operations and&#47;or Regions&#8217; loan portfolios and increase Regions&#8217; cost of conducting business. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">severity and frequency of future earthquakes, fires, hurricanes, tornadoes, droughts, floods and other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">weather-related events are difficult to predict and may be exacerbated by global climate change.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The impact of pandemics on Regions&#8217; businesses, operations and financial results and conditions. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">duration and severity of any pandemic as well as government actions or other restrictions in connection <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">with such events could disrupt the global economy, adversely affect Regions&#8217; capital and liquidity position, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">impair the ability of borrowers to repay outstanding loans and increase Regions&#8217; allowance for credit <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">losses, impair collateral values and result in lost revenue or additional expenses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The effects of any damage to Regions&#8217; reputation resulting from developments related to any of the items <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">identified above.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">You should not place undue reliance on any forward-looking statements, which speak only as of the date made. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Factors or events that could cause Regions&#8217; actual results to differ may emerge from time to time, and it is not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">possible to predict all of them. We assume no obligation to update or revise any forward-looking statements that are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">made from time to time, either as a result of future developments, new information or otherwise, except as may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">required by law.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">results to differ from expectations, look under the captions &#8220;Forward-Looking Statements&#8221; in Regions&#8217; Annual <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Report on Form 10-K for the year ended December 31, 2023 and Quarterly Report on Form 10-Q for the quarter <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ended March 31, 2024, as filed with the SEC, and &#8220;Risk Factors&#8221; in Regions&#8217; Annual Report on Form 10-K for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">year ended December 31, 2023, as filed with the SEC and available on its website at <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 411.59pt; position: absolute; text-decoration: underline; white-space: pre;">www.sec.gov<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 466pt; position: absolute; white-space: pre;">.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 294.9pt; position: absolute; text-decoration: none; white-space: pre;">S-viii<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_1649267442407" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 279.35pt; position: absolute; text-decoration: none; white-space: pre;">SUMMARY<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This summary highlights selected information contained or incorporated by reference in this prospectus <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement and the accompanying prospectus and does not contain all the information that you need to consider in <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">making your investment decision. You should carefully read this entire prospectus supplement and the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accompanying prospectus, as well as the information incorporated by reference herein and therein, before deciding <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whether to invest in the depositary shares. You should pay special attention to the &#8220;Risk Factors&#8221; section of this <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus supplement and contained in our Annual Report on&#160;Form 10-K&#160;for the year ended December 31, 2023 to <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">determine whether an investment in the depositary shares is appropriate for you.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 239.93pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation is a Delaware corporation (NYSE symbol&#58; RF) and financial holding company <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">headquartered in Birmingham, Alabama operating in the South, Midwest and Texas. In addition, Regions operates <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">several offices delivering specialty capabilities in New York, Washington D.C., Chicago and other locations <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">nationwide. Regions provides financial solutions for a wide range of clients including retail and mortgage banking <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">services, commercial banking services and wealth and investment services. Further, Regions and its subsidiaries <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">deliver specialty capabilities including merger and acquisition advisory services, capital market solutions, home <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">improvement lending and others. Through its subsidiary Regions Bank, Regions operated 1,263 total branch outlets <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">as of March 31, 2024. At June 30, 2024, Regions had total consolidated assets of approximately <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 457.78pt; position: absolute; text-decoration: none; white-space: pre;">$154.1&#160;billion<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 513.86pt; position: absolute; text-decoration: none; white-space: pre;">, total <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">consolidated deposits of approximately <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 231.27pt; position: absolute; text-decoration: none; white-space: pre;">$126.6&#160;billion<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 287.35pt; position: absolute; text-decoration: none; white-space: pre;"> and total consolidated shareholders&#8217; equity of approximately <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">$17.2&#160;billion<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 123.08pt; position: absolute; text-decoration: none; white-space: pre;">. Additional information about us and our subsidiaries is included in the documents incorporated by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reference in this prospectus under the heading &#8220;Where You Can Find More Information.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Regions is a separate and distinct legal entity from our banking and other subsidiaries. A significant source of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">funds to pay dividends on our common and preferred stock and service our debt is dividends from our subsidiaries. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Various federal and state statutes and regulations limit the amount of dividends that our banking and other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">subsidiaries may pay to us without regulatory approval.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Our principal executive offices are located at 1900 Fifth Avenue North, Birmingham, Alabama 35203, and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">telephone number is (800) 734-4667.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 438pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 260.07pt; position: absolute; text-decoration: none; white-space: pre;">Recent Developments<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Second Quarter 2024 Results<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">On <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 104.72pt; position: absolute; text-decoration: none; white-space: pre;">July&#160;19, 2024<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 158.88pt; position: absolute; text-decoration: none; white-space: pre;">, Regions reported net income available to common shareholders of <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 431.62pt; position: absolute; text-decoration: none; white-space: pre;">$477 million<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 482.97pt; position: absolute; text-decoration: none; white-space: pre;"> and earnings <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">per diluted share of <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.91pt; position: absolute; text-decoration: none; white-space: pre;">$0.52<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 174.41pt; position: absolute; text-decoration: none; white-space: pre;"> for the second quarter of 2024, compared to net income available to common shareholders <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 82.83pt; position: absolute; text-decoration: none; white-space: pre;">$343 million<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 134.18pt; position: absolute; text-decoration: none; white-space: pre;"> and earnings per diluted share of <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 269.87pt; position: absolute; text-decoration: none; white-space: pre;">$0.37<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 292.37pt; position: absolute; text-decoration: none; white-space: pre;"> for the first quarter of 2024. <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 408.94pt; position: absolute; white-space: pre;">The company reported $1.7 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">billion in total revenue during the quarter.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 239.3pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Non-interest income decreased 3% driven primarily by a decline in capital markets income, mortgage income, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and a decline in market valuation adjustments on employee benefit assets. Non-interest expense decreased 11% <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">during the quarter, driven by a decline in salaries and benefits expense, operational losses, FDIC insurance special <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">assessment accrual, and other miscellaneous expenses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Annualized net charge-offs were 0.42% of average loans for the second quarter of 2024 compared to 0.50% in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the first quarter of 2024 and compared to 0.33% in the second quarter of 2023. The allowance for credit losses was <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">1.78% of total loans for the second quarter of 2024 compared to 1.79% in the first quarter of 2024, and represented <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">204% of non-performing loans, excluding loans held for sale, compared to 191% in the first quarter of 2024.&#160; The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">overall allowance resulted in a net $102 million provision expense during the quarter.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Total average loans, net of unearned income remained relatively stable, decreasing less than 1%, compared to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the first quarter of 2024. Total average deposits also decreased less than 1% in the second quarter of 2024 as growth <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in consumer deposits was offset by declines in other segments.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-1<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The tables below present highlights of Regions&#8217; unaudited preliminary consolidated financial results.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 93pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 266.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 0pt; position: absolute; top: 0pt; width: 266.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Earnings Summary<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="5"><div style="height: 12pt; left: 266.25pt; position: absolute; top: 0pt; width: 201.75pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 201.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 74.79pt; position: absolute; text-decoration: none; white-space: pre;">Quarter Ended<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 0pt; position: absolute; top: 12pt; width: 266.25pt;"><div><div style="line-height: 5.55pt; position: absolute; top: 3.23pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: italic; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">($ amounts in millions)<font style="display: inline-block; height: 5.55pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 266.25pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 16.4pt; position: absolute; text-decoration: none; white-space: pre;">6&#47;30&#47;2024<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 334.5pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 16.4pt; position: absolute; text-decoration: none; white-space: pre;">3&#47;31&#47;2024<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 402.75pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 16.4pt; position: absolute; text-decoration: none; white-space: pre;">6&#47;30&#47;2023<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 24pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Net interest income<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 24pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,186<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 24pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,184<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 24pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,381<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 38.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Provision for credit losses<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 38.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">102<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 38.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">152<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 38.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">118<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 52.5pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Net interest income after provision for credit losses<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 52.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,084<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 52.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,032<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 52.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,263<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 66.75pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Non-interest income<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 66.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">545<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 66.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">563<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 66.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">576<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 81pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Non-interest expense<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 81pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,004<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 81pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,131<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 81pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,111<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 95.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Income tax expense<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 95.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">124<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 95.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">96<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 95.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">147<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 109.5pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Net income<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 109.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">501<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 109.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">368<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 109.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">581<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 123.75pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred dividends<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 123.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">24<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 123.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">25<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 123.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">25<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 138pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Net income available to common shareholders<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 138pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">477<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 138pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">343<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 138pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">556<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 152.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Diluted earnings per common share<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 43.67pt; position: absolute;">0.52<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 43.67pt; position: absolute;">0.37<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 43.67pt; position: absolute;">0.59<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 182.25pt; width: 266.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 5.62pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Balance Sheet Summary<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 0pt; position: absolute; top: 196.5pt; width: 266.25pt;"><div><div style="line-height: 5.55pt; position: absolute; top: 3.23pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: italic; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">($ amounts in millions)<font style="display: inline-block; height: 5.55pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 266.25pt; position: absolute; top: 196.5pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 16.4pt; position: absolute; text-decoration: none; white-space: pre;">6&#47;30&#47;2024<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 334.5pt; position: absolute; top: 196.5pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 16.4pt; position: absolute; text-decoration: none; white-space: pre;">3&#47;31&#47;2024<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 402.75pt; position: absolute; top: 196.5pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 16.4pt; position: absolute; text-decoration: none; white-space: pre;">6&#47;30&#47;2023<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 208.5pt; width: 266.25pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">At quarter-end&#58;<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 222.75pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Cash and due from banks<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">2,955<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">2,527<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">2,480<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 237pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Interest-bearing deposits in other banks<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 237pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">5,524<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 237pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">8,723<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 237pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">7,406<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 251.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Debt securities held to maturity<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">733<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">743<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">777<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 265.5pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Debt securities available for sale<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">28,537<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">27,881<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">27,296<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 279.75pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Loans held for sale<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">552<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">417<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">554<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 294pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Loans, net of unearned income<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 294pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">97,508<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 294pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">96,862<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 294pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">99,191<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 308.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Allowance for credit losses<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 27.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(1,621)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 27.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(1,617)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 27.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(1,513)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 322.5pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Non-interest-bearing deposits<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">40,927<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">41,824<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">46,898<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 336.75pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Interest-bearing deposits<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">85,689<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">87,158<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">80,061<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 351pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Short-term borrowings<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 351pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">513<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 351pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">1,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 351pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">3,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 365.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Long-term borrowings<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">5,083<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">3,327<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">4,293<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 379.5pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total shareholders&#8217; equity<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">17,169<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">17,044<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">16,639<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 393.75pt; width: 266.25pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Average balances&#58;<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 408pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Loans, net of unearned income<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 408pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">97,281<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 408pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">97,420<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 408pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">98,581<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 422.25pt; width: 266.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 266.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total deposits<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 266.25pt; position: absolute; top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 21.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">126,901<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 21.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">127,126<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 21.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">125,539<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 6.93pt; position: absolute; top: 543.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The preliminary estimated results contained in this prospectus supplement have been prepared in good faith by, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and are the responsibility of, management based upon Regions&#8217; internal reporting for the three months ended <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">June&#160;30, 2024. Ernst &#38; Young LLP has not audited, reviewed, or performed any procedures with respect to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">following preliminary financial results. Accordingly, Ernst &#38; Young LLP does not express an opinion or any other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">form of assurance with respect thereto.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-2<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_618" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 252.01pt; position: absolute; text-decoration: none; white-space: pre;">Summary of the Offering<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The following summary contains basic information about the depositary shares, Preferred Stock and this <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">offering and is not intended to be complete. It does not contain all the information that you should consider before <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">deciding whether to invest in the depositary shares. For a complete understanding of the depositary shares and <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock, you should read the sections of this prospectus supplement entitled &#8220;Description of the Series F <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock&#8221; and &#8220;Description of Depositary Shares.&#8221;<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="position: absolute; top: 162pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 170.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 297.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 23.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 0pt; position: absolute; top: 0pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Issuer<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 28.72pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 170.25pt; position: absolute; top: 0pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation, a Delaware corporation and a financial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">holding company.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 203.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 203.25pt; left: 0pt; position: absolute; top: 26.25pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Securities Offered<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 80.00999999999999pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 203.25pt; left: 170.25pt; position: absolute; top: 26.25pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">20,000,000 depositary shares each representing a 1&#47;40th ownership <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">interest in a share of our Non-Cumulative Perpetual Preferred Stock, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Series F, par value $1 per share, with a liquidation preference of $1,000 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">per share of Preferred Stock (equivalent to $25 per depositary share). <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Each holder of depositary shares will be entitled, through the depositary, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">in proportion to the applicable fraction of a share of Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">represented by such depositary shares, to all the rights and preferences of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 73.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the Preferred Stock represented thereby (including dividend, voting, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 83.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">redemption and liquidation rights).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 102.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We reserve the right to re-open this series of preferred stock and issue <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 112.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">additional shares of Preferred Stock either through public or private sales <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 122.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">at any time and from time to time without notice to or consent of holders <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of the Preferred Stock or the depositary shares&#59; provided that any such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 142.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">additional shares of Preferred Stock are treated as fungible with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 152.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock offered hereby for U.S. federal income tax purposes. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The additional shares would form a single series together with all <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 172.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">previously issued shares of Preferred Stock. In the event we issue <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 182.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">additional shares of Preferred Stock, we expect to cause a corresponding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">number of additional depositary shares to be issued.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-3<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 170.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 297.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 351.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 351.75pt; left: 0pt; position: absolute; top: 0pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividends<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 45.39pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 351.75pt; left: 170.25pt; position: absolute; top: 0pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We will pay dividends on the Preferred Stock, when, as, and if declared <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">by our board of directors (or a duly authorized committee thereof ). <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividends on the Preferred Stock will accrue on the stated amount of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">$1,000 per share of Preferred Stock at a fixed rate per annum equal to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(i)&#160;6.95% from the original issue date of the Preferred Stock to, but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">excluding, the dividend payment date on September 15, 2029 (the &#8220;First <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Reset Date&#8221;) and (ii) the five-year treasury rate as of the most recent <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 73.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">reset dividend determination date (as defined under &#8220;Description of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 83.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Series F Preferred Stock&#8212;Dividends&#8221;) plus&#160;2.771%, during each reset <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">period, from, and including, the First Reset Date. See &#8220;Description of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 103.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Series F Preferred Stock&#8212;Dividends.&#8221; Upon payment of any dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 113.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">on the Preferred Stock, holders of depositary shares are expected to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 123.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">receive a proportionate payment. See &#8220;Description of Depositary Shares<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 133.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8212;Dividends and Other Distributions.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 152.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividends on the Preferred Stock will not be cumulative and will not be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">mandatory. If our board of directors (or a duly authorized committee <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 172.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">thereof ) does not declare a dividend on the Preferred Stock in respect of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 182.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">a dividend period, then no dividend shall be deemed to have accrued for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">such dividend period, no dividend shall be payable on the applicable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 202.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividend payment date, and we will have no obligation to pay any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 212.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividend for that dividend period, whether or not our board of directors <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(or a duly authorized committee thereof ) declares a dividend for any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 232.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">future dividend period with respect to the Preferred Stock or at any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 242.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">future time with respect to any other class or series of our capital stock. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 252.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">A &#8220;dividend period&#8221; is the period from, and including, a dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 262.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">payment date to, but excluding, the next dividend payment date, except <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 272.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">that the initial dividend period for shares of Preferred Stock issued in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">connection with this offering will begin on and include the date we first <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 292.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">issue such shares of Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 311.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Our ability to pay dividends on the Preferred Stock is subject to certain <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 321.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">legal, regulatory and other restrictions described under &#8220;Description of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 331.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the Series F Preferred Stock&#8212;Dividends&#8212;Restrictions on the Payment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 341.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of Dividends.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 93.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 93.75pt; left: 0pt; position: absolute; top: 354.75pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividend Payment Dates<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108.11999999999999pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 93.75pt; left: 170.25pt; position: absolute; top: 354.75pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividends on the Preferred Stock will be payable when, as, and if <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">declared by our board of directors (or a duly authorized committee <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">thereof ), quarterly on March 15, June 15, September 15 and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">December&#160;15 of each year, beginning on September 15, 2024 (each a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;dividend payment date&#8221;). If any dividend payment date falls on a day <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">other than a business day, then such date shall nevertheless be a dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">payment date but any dividend declared and otherwise payable on that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 73.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividend payment date will instead be paid on the next business day <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 83.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">without any adjustment to the amount of dividends paid. <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-4<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 170.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 297.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 339.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 339.75pt; left: 0pt; position: absolute; top: 0pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Priority Regarding Dividends<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 129.19pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 339.75pt; left: 170.25pt; position: absolute; top: 0pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">So long as any shares of Preferred Stock remain outstanding, unless full <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividends for the most recently completed dividend period have been <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">declared and paid (or declared and a sum sufficient for the payment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">thereof has been set aside) on all outstanding shares of Preferred Stock, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">and we are not in default on our obligation to redeem any shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock that have been called for redemption, we may not, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">subject to certain exceptions&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 82.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 20.630000000000003pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">declare, pay or set aside for payment any dividend or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 92.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">distribution on any shares of junior stock (as defined herein)&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 111.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 20.630000000000003pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">repurchase, redeem or otherwise acquire for consideration, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 121.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">directly or indirectly, any shares of junior stock or dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 131.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">parity stock (as defined herein).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">When dividends are not paid in full upon the Preferred Stock and any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 160.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividend parity stock (which currently includes our 6.375% Fixed-to-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 170.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Floating Rate Non-Cumulative Perpetual Preferred Stock, Series B <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(&#8220;Series B Preferred Stock&#8221;), 5.700% Fixed-to-Floating Rate Non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 190.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Cumulative Perpetual Preferred Stock, Series C (&#8220;Series C <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 200.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred&#160;Stock&#8221;), Non-Cumulative Perpetual Preferred Stock, Series D <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(&#8220;Series D Preferred Stock&#8221;) and 4.45% Non-Cumulative Perpetual <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 220.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock, Series E (&#8220;Series E Preferred Stock&#8221;), all dividends paid <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 230.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">or declared for payment on a dividend payment date with respect to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 240.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock and any dividend parity stock will be shared based on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 250.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the ratio between the then-current dividends due on shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 260.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred&#160;Stock and (i) in the case of any series of non-cumulative <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividend parity stock, the aggregate of the current and unpaid dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 280.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">due on such series of preferred stock and (ii) in the case of any series of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 290.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">cumulative dividend parity stock, the aggregate of the current and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">accumulated and unpaid dividends due on such series of preferred stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 319.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">See &#8220;Description of the Series F Preferred Stock&#8212;Dividends&#8212;Priority <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 329.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regarding Dividends&#8221; for more information.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 201.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 201.75pt; left: 0pt; position: absolute; top: 342.75pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Redemption<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.82pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 201.75pt; left: 170.25pt; position: absolute; top: 342.75pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The Preferred Stock is perpetual and has no maturity date. We may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">redeem the Preferred Stock, at our option, at a price equal to $1,000 per <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">share (equivalent to $25 per depositary share), plus any declared and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">unpaid dividends (without accumulation for any undeclared dividends) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">to but excluding the redemption date, (i) in whole or in part, from time to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">time, on any dividend payment date on or after September 15, 2029 or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(ii) in whole but not in part, at any time following a regulatory capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 73.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">treatment event. If we redeem the Preferred Stock, the depositary is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 83.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">expected to redeem a proportionate number of depositary shares. See <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Description of the Series F Preferred Stock&#8212;Redemption&#8221; and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 103.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Description of Depositary Shares&#8212;Redemption&#8221; for more information.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 122.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Our ability to redeem part or all of the Preferred Stock is subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">certain legal, regulatory and other restrictions described under <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 142.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Description of the Series F Preferred Stock&#8212;Redemption&#8212;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 152.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Redemption Procedures and Limitations.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 171.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Neither the holders of Preferred Stock nor holders of depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 181.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">will have the right to require the redemption or repurchase of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 191.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-5<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 170.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 297.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 164.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 164.25pt; left: 0pt; position: absolute; top: 0pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Liquidation Rights<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 83.44pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 164.25pt; left: 170.25pt; position: absolute; top: 0pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">In the event we liquidate, dissolve or wind-up our business and affairs, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">either voluntarily or involuntarily, holders of the Preferred Stock are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">entitled to receive a liquidating distribution of $1,000 per share <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(equivalent to $25 per depositary share), plus any declared and unpaid <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividends (without regard to any undeclared dividends) to the date of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">payment of the liquidating distribution, before we make any distribution <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of assets to the holders of our common stock or any other class or series <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 73.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of shares ranking junior to the Preferred Stock with respect to liquidating <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 83.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">distributions. Distributions will be made only to the extent of our assets <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">that are available after satisfaction of all liabilities or obligations to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 103.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">creditors and subject to the rights of holders of any securities ranking <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 113.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">senior to the Preferred Stock as to such distribution and pro rata as to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 123.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock and any other shares of our capital stock ranking equally <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 133.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">as to such distribution, which currently includes our Series B <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 143.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred&#160;Stock, Series C Preferred Stock, Series D Preferred Stock and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Series E Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 113.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 113.25pt; left: 0pt; position: absolute; top: 167.25pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Voting Rights<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 61.78pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 113.25pt; left: 170.25pt; position: absolute; top: 167.25pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">None, except with respect to (i) authorizing or increasing the authorized <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">amount of any class or series of our capital stock ranking senior to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock with respect to the payment of dividends or distributions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 32.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">upon our liquidation, dissolution or winding-up, (ii)&#160;certain changes in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the terms of our Preferred Stock, (iii) the consummation of certain <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 52.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">mergers, consolidations or other similar transactions, (iv) in the case of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 62.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">certain dividend non-payments, and (v) as otherwise required by law. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 72.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">See &#8220;Description of the Series F Preferred Stock&#8212;Voting Rights.&#8221; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 82.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Holders of depositary shares must act through the depositary to exercise <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 92.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">any voting rights, as described under &#8220;Description of Depositary Shares<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 102.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8212;Voting the Preferred Stock.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 210.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 210.75pt; left: 0pt; position: absolute; top: 283.5pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Ranking<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.300000000000004pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 210.75pt; left: 170.25pt; position: absolute; top: 283.5pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Shares of the Preferred Stock will rank, with respect to the payment of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">dividends and distribution upon our liquidation, dissolution or winding-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">up, respectively&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 20.630000000000003pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">senior to our common stock and to each other class or series of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 52.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">our capital stock issued in the future, unless the terms of that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 62.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">stock expressly provide that it ranks senior to, or on parity with, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 72.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">the Preferred Stock with respect to such dividends and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 82.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">distributions&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 101.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 20.630000000000003pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">on a parity with our Series B Preferred Stock, Series C <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 111.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock, Series D Preferred Stock, Series E Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 121.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">Stock and any class or series of our capital stock issued in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 131.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">future, the terms of which expressly provide that it will rank on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">a parity with our Preferred Stock with respect to such dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 151.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">and distributions&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 170.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 20.630000000000003pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">junior to any class or series of our capital stock issued in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">future, the terms of which expressly provide that such stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 190.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">will rank senior to the Preferred Stock with respect to such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 200.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.63pt; position: absolute; text-decoration: none; white-space: pre;">dividends and distributions.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 63.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 63.75pt; left: 0pt; position: absolute; top: 497.25pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">No Maturity<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 56.2pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 63.75pt; left: 170.25pt; position: absolute; top: 497.25pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The Preferred Stock does not have any maturity date, and we are not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">required to redeem the Preferred Stock at any time. Accordingly, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock will remain outstanding indefinitely, unless and until we <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">decide to redeem it and, if required, receive prior approval of the Board <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of Governors of the Federal Reserve System (the &#8220;Federal Reserve&#8221;) to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">do so.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 564pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Preemptive and Conversion Rights<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.69pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 170.25pt; position: absolute; top: 564pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">None.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 44.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 44.25pt; left: 0pt; position: absolute; top: 581.25pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Listing<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.61pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 44.25pt; left: 170.25pt; position: absolute; top: 581.25pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Application will be made to list the depositary shares on the NYSE <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">under the symbol &#8220;RFPrF.&#8221; If approved for listing, trading of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">depositary shares on the NYSE is expected to commence within a 30-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">day period after the original issuance date of the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-6<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="background-image: url(&#39;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2UtbGluZWNhcDogc3F1YXJlOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNDguNjcgNDguNjcgViAxMDA3LjMzIEggNzY3LjMzIFYgNDguNjcgSCA0OC42NyI+PC9wYXRoPjwvc3ZnPg==&#39;); background-size: 612pt 792pt; height: 792pt; position: absolute; width: 612pt;"></div><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 170.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 297.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 33.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 0pt; position: absolute; top: 0pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Tax Consequences<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 81.75pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 170.25pt; position: absolute; top: 0pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">For discussion of the tax consequences relating to the Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">and the depositary shares, see &#8220;United States Federal Income Tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Consequences.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 63.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 63.75pt; left: 0pt; position: absolute; top: 36.75pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Use of Proceeds<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.77pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 63.75pt; left: 170.25pt; position: absolute; top: 36.75pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We estimate that the net proceeds of this offering, after deducting the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">underwriting discounts and estimated offering expenses payable by us, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">will be approximately $488,441,000. We expect to use the net proceeds <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">from the sale of the Preferred Stock to redeem all outstanding shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the Series B Preferred Stock and to use any remaining proceeds for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">general corporate purposes.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 53.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 53.25pt; left: 0pt; position: absolute; top: 103.5pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Risk Factors<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 56.75pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 53.25pt; left: 170.25pt; position: absolute; top: 103.5pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">See &#8220;Risk Factors&#8221; beginning on page <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 157.47pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_19">S-8</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 171.35999999999999pt; position: absolute; text-decoration: none; white-space: pre;"> of this prospectus supplement <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">and other information included or incorporated by reference in this <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">prospectus supplement and the accompanying prospectus for a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 32.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">discussion of factors you should consider carefully before deciding to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">invest in the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 33.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 0pt; position: absolute; top: 159.75pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Registrar and Transfer Agent<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 130.02pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 170.25pt; position: absolute; top: 159.75pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Broadridge Financial Solutions, LLC. will be the transfer agent and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">registrar for the Preferred Stock, and the registrar and the transfer agent <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">for the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 196.5pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Depositary<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 49.260000000000005pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 170.25pt; position: absolute; top: 196.5pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 297.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Broadridge Financial Solutions, LLC.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 33.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 0pt; position: absolute; top: 213.75pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Calculation Agent<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 80.08pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 170.25pt; position: absolute; top: 213.75pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We will appoint a calculation agent for the Preferred Stock prior to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">third business day immediately preceding the First Reset Date. We may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">appoint ourselves or an affiliate of ours as calculation agent.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 3pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 74.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 0pt; position: absolute; top: 250.5pt; width: 170.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 170.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Conflicts of Interest<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 87.55pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 170.25pt; position: absolute; top: 250.5pt; width: 297.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC, our subsidiary, is participating in this offering <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of depositary shares as an underwriter. Accordingly, this offering is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">being conducted in compliance with the provisions of FINRA <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 33.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Rule&#160;5121. Regions Securities LLC is not permitted to sell the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 43.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">depositary shares in this offering to an account over which it exercises <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 53.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">discretionary authority without the prior specific written approval of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.67pt; width: 297.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">customer to which the account relates.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-7<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_19" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 268.65pt; position: absolute; text-decoration: none; white-space: pre;">RISK FACTORS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">An investment in the depositary shares involves certain risks, some of which relate to the Preferred Stock or the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares and others of which relate to Regions. You should carefully consider (i) the risks described below, <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(ii) the risk factors included in our Annual Report on&#160;Form 10-K&#160;for the year ended December 31, 2023, as well as <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other disclosures in the Quarterly Report on Form 10-Q for the quarter ended March 31, 2024 and (iii) the other <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information included or incorporated by reference in this prospectus supplement and the accompanying prospectus, <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">before making an investment decision. Our business, financial condition or results of operations could be materially <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">adversely affected by any of these risks. This prospectus supplement also contains forward-looking statements that <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">involve risks and uncertainties. Our actual results could differ materially from those anticipated in any forward-<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">looking statements as a result of certain factors, including the risks faced by us described below and elsewhere in <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">this prospectus supplement and the accompanying prospectus.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">You are making an investment decision about both the depositary shares and the Preferred Stock.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As described in this prospectus supplement, we are issuing depositary shares representing fractional interests in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares of Preferred Stock. The depositary will rely solely on the payments it receives on the Preferred Stock to fund <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">all payments on the depositary shares. You should carefully review the information in this prospectus supplement <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">regarding both of these securities before making an investment decision.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">A downgrade, suspension or withdrawal of any rating assigned by a rating agency to us or our securities, <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">including the depositary shares and the Preferred Stock, could cause the liquidity or trading price of the shares of <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">depositary shares to decline significantly.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 345pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Real or anticipated changes in the credit ratings assigned to the depositary shares, the Preferred Stock or our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 357pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">credit ratings generally could affect the trading price of the shares of the depositary shares. Credit ratings are not a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 369pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">recommendation to buy, sell or hold any security, and may be revised or withdrawn at any time by the issuing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">organization in its sole discretion. In addition, credit rating agencies continually review their ratings for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">companies that they follow, including us. The credit rating agencies also evaluate the financial services industry as a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whole and may change their credit rating for us and our securities, including the depositary shares and the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock, based on their overall view of our industry. A future downgrade, withdrawal, or the announcement of a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">possible downgrade or withdrawal in the ratings assigned to the depositary shares, the Preferred Stock, us or our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other securities, or any perceived decrease in our creditworthiness could cause the trading price of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares to decline significantly.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The Preferred Stock will be an equity security and will be subordinate to our existing and future indebtedness.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The shares of Preferred Stock will be our equity interests and will not constitute indebtedness. This means that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the depositary shares, which represent fractional interests in shares of Preferred Stock, will rank junior to all our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">existing and future indebtedness and our other non-equity claims with respect to assets available to satisfy claims <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">against us, including claims in the event of our liquidation. As of June 30, 2024, our total liabilities at Regions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 543pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Financial were approximately<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 191.26999999999998pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.76999999999998pt; position: absolute; text-decoration: none; white-space: pre;">$136.9 billion<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 249.85pt; position: absolute; text-decoration: none; white-space: pre;">, <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 254.85pt; position: absolute; white-space: pre;">and we may incur additional indebtedness in the future. The Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock places no restrictions on our business or operations or on our ability to incur indebtedness or engage in any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transactions, subject only to the limited voting rights referred to below in &#8220;&#8212;Holders of the Preferred Stock and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares will have limited voting rights.&#8221; Further, our existing and future indebtedness may restrict the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payment of dividends on the Preferred Stock. Additionally, unlike indebtedness, where principal and interest would <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">customarily be payable on specified due dates, in the case of the Preferred Stock (1)&#160;dividends are payable only if <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">declared by our board of directors (or a duly authorized committee thereof) and (2)&#160;as a corporation, we are subject <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to restrictions on payments of dividends and redemption price out of lawfully available funds.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Additional issuances of preferred stock or securities convertible into preferred stock may dilute existing holders <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the depositary shares.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 681pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We may, in the future, determine that it is advisable, or we may encounter circumstances where we determine it <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 693pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">is necessary, to issue additional shares of preferred stock, securities convertible into, exchangeable for or that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 705pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">represent an interest in preferred stock, or preferred stock-equivalent securities to fund strategic initiatives or other <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-8<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">business needs or to build additional capital. Our board of directors or a committee thereof is authorized to cause us <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to issue one or more classes or series of preferred stock from time to time without any action on the part of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shareholders, including issuing additional shares of Preferred Stock or additional depositary shares. Our board of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">directors also has the power, without shareholder approval, to set the terms of any such classes or series of preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock that may be issued, including voting rights, dividend rights, and preferences over the Preferred Stock with <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">respect to dividends or upon our dissolution, winding-up and liquidation and other terms. Though the approval of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holders of depositary shares representing interests in the Preferred Stock will be needed to issue any equity security <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ranking senior to the Preferred Stock, if we issue preferred stock in the future that has preference over the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock with respect to the payment of dividends or upon liquidation, or if we issue preferred stock with <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">voting rights that dilute the voting power of the Preferred Stock or depositary shares, the rights of holders of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares or the market price of the depositary shares could be adversely affected. The market price of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares could decline as a result of these other offerings, as well as other sales of a large block of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares, Preferred Stock or similar securities in the market thereafter, or the perception that such sales <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">could occur. Holders of the Preferred Stock are not entitled to preemptive rights or other protections against dilution.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The Preferred Stock may be junior in rights and preferences to our future preferred stock.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The Preferred Stock may rank junior to preferred stock issued in the future that by its terms is expressly senior <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in rights and preferences to the Preferred Stock. It is possible that we may authorize and issue such shares without <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">your vote or consent, although the affirmative vote of the holders of at least two-thirds of all outstanding shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock is required to authorize or issue any shares of stock senior in rights and preferences to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock. The terms of any future preferred stock expressly senior to the Preferred Stock may restrict <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend payments on the Preferred Stock. In this case, unless full dividends for all outstanding preferred stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">senior to the Preferred Stock have been declared and paid or set aside for payment, we may be prohibited from <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 354pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">declaring or paying dividends or other distributions, or from repurchasing, redeeming or otherwise acquiring, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">directly or indirectly, for consideration, shares of Preferred Stock. This could result in dividends on the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock not being paid on any particular dividend payment date.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Dividends on the Preferred Stock are discretionary and non-cumulative.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Dividends on the Preferred Stock are discretionary and will not be cumulative. If our board of directors (or a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">duly authorized committee thereof ) does not declare a dividend on the Preferred Stock in respect of a dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">period, then no dividend shall be deemed to have accrued for such dividend period, no dividend shall be payable on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the applicable dividend payment date or be cumulative, and we will have no obligation to pay any dividend for that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend period, whether or not our board of directors (or a duly authorized committee thereof ) declares a dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on the Preferred Stock or any other class or series of our capital stock for any future dividend period. If our board of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">directors (or a duly authorized committee thereof ) does not declare a dividend on the Preferred Stock in respect of a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend period, you will not receive related dividends on your depositary shares, and the trading price of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares may be adversely affected.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Our ability to pay dividends is subject to statutory and regulatory restrictions.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We are subject to statutory and regulatory limitations on our ability to declare and pay dividends on the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock. Under the Federal Reserve&#8217;s capital rules, we are subject to certain risk-based and leverage capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">requirements. If we fail to meet the effective minimum capital ratios requirements with applicable buffers taken into <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">account, we will be subject to constraints on capital distributions, including dividends. The severity of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">constraints depends on the amount of the shortfall and the amount of our &#8220;eligible retained income.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Further, these limitations may change from time to time. For example, in March 2020, the Federal Reserve <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">adopted a rule that, beginning October 1, 2020, replaced the 2.5% static capital conservation buffer with a &#8220;stress <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">capital buffer&#8221;, which is the higher of 2.5% and the difference between the starting and the minimum projected <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">common equity tier 1 capital ratios under the severely adverse scenario as modeled by the Federal Reserve as part of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the supervisory stress testing framework, plus four quarters of planned common stock dividends. This rule also <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">replaced the quantitative assessment in Comprehensive Capital Analysis and Review (CCAR) with a requirement <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">that a firm&#8217;s planned capital distributions be consistent with any effective capital distribution limitations that would <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.05pt; position: absolute; text-decoration: none; white-space: pre;">S-9<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">apply under the firm&#8217;s own baseline projections. This rule further provides that a firm must receive prior approval <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for any capital distribution, other than a capital distribution on a newly issued capital instrument (including the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock offered hereby), if the firm is required to resubmit its capital plan. Additionally, on July 27, 2023, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the federal banking agencies issued a notice of proposed rulemaking to modify the regulatory capital requirements <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">applicable to large banking organizations with over $100 billion of total assets and their depository institution <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subsidiaries, with a comment period that closed on January 16, 2024. The proposed rule would generally require <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">banking organizations subject to Category III and IV standards, like Regions, to compute regulatory capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">consistent with Category I and II standards. As proposed, the new capital rules could require Regions and its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depository institution subsidiaries to hold additional regulatory capital. See &#8220;Management&#8217;s Discussion and Analysis <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of Financial Condition and Results of Operations &#8211; Regulatory Requirements&#8221; in our Form 10-Q for the quarter <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ended September 30, 2023.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">These laws and regulations may prevent us from declaring, setting aside or paying dividends on the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Stock. In such circumstances, holders of the depositary shares will not be entitled to receive any dividend for that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">dividend period, irrespective of whether or not a dividend has been declared on the Preferred Stock or any other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">class of our capital stock for any future dividend period.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">If we are not paying full dividends on any outstanding dividend parity stock, we will not be able to pay full <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">dividends on the Preferred Stock.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">When dividends are not paid in full on the shares of Preferred Stock and any shares of any dividend parity stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for a dividend period (including our Series B Preferred Stock, Series C Preferred Stock, Series D Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Series E Preferred Stock), all dividends declared with respect to shares of Preferred Stock and all dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">parity stock for such dividend period shall be declared pro rata so that the respective amounts of such dividends bear <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the same ratio to each other as all accrued but unpaid dividends per share on the shares of Preferred Stock for such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend period and all parity stock for such dividend period bear to each other. Therefore, if we are not paying full <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividends on any outstanding dividend parity stock, we will not be able to pay full dividends on the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The Preferred Stock may be redeemed at our option, and you may not be able to reinvest the redemption price you <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">receive in a similar security.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Subject to the approval of the Federal Reserve (if then required), at our option, we may redeem the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock at any time, either in whole or in part, on any dividend payment date on or after September 15, 2029. We may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">also redeem the Preferred Stock at our option, subject to the approval of the Federal Reserve (if then required), at <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any time, in whole, but not in part, at any time following the occurrence of a regulatory capital treatment event. If <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">we redeem the Preferred Stock for any reason, you may not be able to reinvest the redemption price you receive in a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">similar security. See &#8220;Description of the Series F Preferred Stock&#8212;Redemption&#8221; for more information on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption of the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Investors should not expect us to redeem the Preferred Stock on the date it becomes redeemable or on any <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">particular date after it becomes redeemable.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The Preferred Stock is a perpetual equity security. This means that it has no maturity or mandatory redemption <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">date and is not redeemable at the option of the holders of the Preferred Stock or the holders of the related depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares offered by this prospectus supplement. The Preferred Stock may be redeemed by us at our option, either in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whole or in part, on any dividend payment date on or after September 15, 2029, or in whole, but not in part, at any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">time following the occurrence of a regulatory capital treatment event. Any decision we may make at any time to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">propose a redemption of the Preferred Stock will depend upon, among other things, our evaluation of our capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">position, the composition of our shareholders&#8217; equity and general market conditions at that time.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Our right to redeem the Preferred Stock is subject to any limitations established by the Federal Reserve. We <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">may not redeem shares of the Preferred Stock without having received the prior approval of the Federal Reserve or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other appropriate federal banking agency as required under capital rules applicable to us. We cannot assure you that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Federal Reserve will approve any redemption of the Preferred Stock that we may propose. We understand that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the factors that the Federal Reserve will consider in evaluating a proposed redemption include its evaluation of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 708pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">overall level and quality of our capital components, considered in light of our risk exposures, earnings and growth <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-10<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">strategy, the capital plans, projections and other forward-looking analyses we submit to the Federal Reserve and our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ability to meet and exceed minimum regulatory capital ratios under baseline and stressed conditions, and other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supervisory considerations, although the Federal Reserve may change these factors at any time.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">We are a holding company and depend on our subsidiaries for dividends, distributions and other payments.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 138pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We are a legal entity separate and distinct from our banking and other subsidiaries. Our principal source of cash <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">flow, including cash flow to pay dividends to our shareholders and to pay principal and interest on our outstanding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">debt, is dividends from our banking subsidiary, Regions Bank. There are statutory and regulatory limitations on the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payment of dividends by Regions Bank to us, as well as by us to our shareholders. Regulations of both the Federal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Reserve and the State of Alabama affect the ability of Regions Bank to pay dividends and other distributions to us <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and to make loans to us. If Regions Bank is unable to make dividend payments to us and sufficient cash or liquidity <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">is not otherwise available to us, we may not be able to make dividend payments to our common and preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shareholders or principal and interest payments on our outstanding debt.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In addition, if, in the opinion of the applicable regulatory authority, a bank under its jurisdiction is engaged in or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">is about to engage in an unsafe or unsound practice, such authority may require, after notice and hearing, that such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">bank cease and desist from such practice. Depending on the financial condition of our banking subsidiary, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">applicable regulatory authority might deem us to be engaged in an unsafe or unsound practice if our banking <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subsidiary were to pay dividends. The Federal Reserve has issued policy statements generally requiring insured <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">banks and bank holding companies only to pay dividends out of current operating earnings.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In addition, our right to participate in any distribution of assets of any of our subsidiaries upon the subsidiary&#8217;s <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation or otherwise, and thus your ability as a holder of the depositary shares each representing an interest in a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">share of the Preferred Stock to benefit indirectly from such distribution, will be subject to the prior claims of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">creditors of that subsidiary, except to the extent that any of our claims as a creditor of such subsidiary may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">recognized. As a result, shares of the Preferred Stock are effectively subordinated to all existing and future liabilities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and obligations of our subsidiaries. At June 30, 2024, the aggregate amount of all debt and other liabilities of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subsidiaries, including deposits, was approximately <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 280.4pt; position: absolute; text-decoration: none; white-space: pre;">$133.9&#160;billion<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 336.48pt; position: absolute; text-decoration: none; white-space: pre;">.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Holders of the Preferred Stock and the depositary shares will have limited voting rights.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 438pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Holders of the Preferred Stock will have no voting rights with respect to matters that generally require the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">approval of voting shareholders. Holders of the Preferred Stock will have limited voting rights on certain matters, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">including (i)&#160;authorizing or increasing the authorized amount of any class or series of our capital stock ranking <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">senior to the Preferred Stock with respect to dividends or rights upon our liquidation, winding-up or dissolution, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(ii)&#160;certain changes in the terms of our Preferred Stock, (iii)&#160;the consummation of a merger, consolidation or other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">similar transaction where the Preferred Stock will not remain outstanding or will be converted into preference <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">securities on terms materially less favorable than those terms existing prior to the merger, consolidation or other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transaction, and (iv)&#160;as otherwise required by applicable law. Additionally, if dividends on the Preferred Stock have <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">not been declared or paid for the equivalent of six dividend payments, whether or not for consecutive dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">periods, holders of the outstanding shares of Preferred Stock, together with holders of any other series of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock ranking equal with the Preferred Stock with similar voting rights (such as our Series B Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock, Series C Preferred Stock, Series D Preferred Stock and Series E Preferred Stock), will be generally entitled to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">vote for the election of two additional directors. See &#8220;Description of the Series F Preferred Stock&#8212;Voting Rights.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Holders of the depositary shares must act through the depositary to exercise any voting rights of the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock. Although each depositary share is entitled to 1&#47;40th of a vote, the depositary can only vote whole shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock. While the depositary will vote the maximum number of whole shares of Preferred Stock in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accordance with the instructions it receives, any remaining votes of holders of the depositary shares will not be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">voted. See &#8220;Description of Depositary Shares&#8212;Voting the Preferred Stock.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-11<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">We cannot assure you that a liquid trading market for our depositary shares will develop, and you may find it <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">difficult to sell any of the depositary shares you hold.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Application will be made to list the depositary shares on the NYSE under the symbol &#8220;RFPrF.&#8221; However, there <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">is no guarantee that we will be able to list the depositary shares. If approved, we expect trading of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares on the NYSE to begin within the 30-day period after the original issuance date of the depositary shares. Even <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">if the depositary shares are listed, there may be little or no secondary market for the depositary shares. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriters have advised us that they intend to make a market in the depositary shares. However, they are not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">obligated to do so and may discontinue any market making in the depositary shares at any time in their sole <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">discretion. Even if a secondary market for the depositary shares develops, it may not provide significant liquidity, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and transaction costs in any secondary market could be high. As a result, the difference between bid and asked <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prices in any secondary market could be substantial. We cannot assure you that you will be able to sell any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares you may hold at a particular time or at a price that you find favorable.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The dividend rate will vary commencing on September 15, 2029 and any dividends declared may be less than the <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">initial fixed annual rate of&#160;6.95% in effect until September 15, 2029.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As described in further detail under &#8220;Description of Series F Preferred Stock&#8212;Dividends,&#8221; the annual dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rate on the Series F Preferred Stock commencing on September 15, 2029 will equal the five-year U.S. treasury rate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">as of the most recent reset dividend determination date (as defined below) plus&#160;2.771% per annum. Therefore, any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividends declared after September 15, 2029 may vary from period to period and could be more or less than the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">fixed rate for the initial five-year period. We have no control over a number of factors that may affect market interest <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rates, including, for example, geopolitical conditions and economic, financial, political, regulatory, judicial or other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">events that affect the markets generally and that are important in determining the existence, magnitude, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">longevity of market rate risk.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The historical five-year treasury rates are not an indication of future five-year treasury rates.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In the past, U.S. treasury rates have experienced significant fluctuations. You should note that historical levels, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">fluctuations and trends of U.S. treasury rates are not necessarily indicative of future levels. Any historical upward or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">downward trend in U.S. treasury rates is not an indication that U.S. treasury rates are more or less likely to increase <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or decrease at any time during the reset period, and you should not take the historical U.S. treasury rates as an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">indication of future rates.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Further, if we, in our discretion, determine that the five-year treasury rate cannot be determined in the manner <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">then applicable for such rate, we may, in our sole discretion, designate a Designee (as defined below) to determine <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whether there is an industry-accepted successor rate to the then-applicable base rate and, if applicable, to determine <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and make certain adjustments as further described under &#8220;Description of the Series F Preferred Stock&#8212;Dividends.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">General market conditions and unpredictable factors could adversely affect market prices for the depositary <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shares.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Future trading prices of the depositary shares will depend on many factors, including&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">whether we declare or fail to declare dividends on the Preferred Stock from time to time&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions&#8217; operating performance, financial condition and prospects, or the operating performance, financial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">condition and prospects of our competitors&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">our creditworthiness&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the ratings given to our securities by credit-rating agencies, including the ratings given to the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Stock or depositary shares&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 681pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">prevailing interest rates&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-12<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">economic, financial, geopolitical, regulatory or judicial events affecting Regions or the financial markets <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">generally&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the market for similar securities.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Accordingly, the depositary shares may trade at a discount to the price per share paid for such shares even if a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 138pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">secondary market for the depositary shares develops.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 159pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Holders of depositary shares may not receive the dividends-received deduction.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Distributions paid to corporate United States holders (as defined in &#8220;United States Federal Income Tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Consequences&#8221;) of our depositary shares may be eligible for the 50% dividends-received deduction if we have <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">current or accumulated earnings and profits, as determined for U.S. federal income tax purposes. Although we <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">presently have current or accumulated earnings and profits, we may not have sufficient current or accumulated <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">earnings and profits during future taxable years for the distributions on our Preferred Stock to qualify as dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for U.S. federal income tax purposes. See &#8220;United States Federal Income Tax Consequences.&#8221; If any distributions on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our Preferred Stock with respect to any taxable year fail to qualify as dividends for U.S. federal income tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">purposes, corporate United States holders of our depositary shares would not receive the dividends-received <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">deduction. If that were to occur, the market value of our depositary shares may decline.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">We or one of our affiliates may be the calculation agent and, as a result, potential conflicts of interest could arise.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We have not yet appointed a calculation agent. When we do, we can appoint us or one of our affiliates to be the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">calculation agent for purposes of determining, among other things, the five-year treasury rate for each reset period. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Although the calculation agent will exercise its judgment in good faith when performing its functions, if the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 354pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">calculation is us or one of our affiliates, potential conflicts of interest may exist between the calculation agent and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">you.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-13<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_25" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 259.64pt; position: absolute; text-decoration: none; white-space: pre;">USE OF PROCEEDS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We expect to receive net proceeds from this offering, after deducting underwriting discounts and estimated <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">offering expenses payable by us, of approximately $488,441,000. We intend to use the net proceeds to redeem all <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">outstanding shares of the Series B Preferred Stock and to use any remaining proceeds for general corporate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">purposes.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-14<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_549755814619" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 261.86pt; position: absolute; text-decoration: none; white-space: pre;">CAPITALIZATION<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The following table sets forth the consolidated capitalization of Regions as of June&#160;30, 2024 (i) on an actual <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">basis and (ii) on an as adjusted basis to give effect to this offering and assuming redemption in full of the Series B <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock as described in &#8220;Use of Proceeds&#8221;. The information presented here is only a summary and should be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">read together with the financial information incorporated by reference in this prospectus supplement and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accompanying prospectus. See &#8220;Where You Can Find More Information&#8221; in this prospectus supplement.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 162pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 334.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="3"><div style="height: 12pt; left: 334.5pt; position: absolute; top: 0pt; width: 133.5pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 133.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 43.53pt; position: absolute; text-decoration: none; white-space: pre;">June 30, 2024<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 334.5pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 21.3pt; position: absolute; text-decoration: none; white-space: pre;">Actual<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 402.75pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 11.65pt; position: absolute; text-decoration: none; white-space: pre;">As Adjusted<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="3"><div style="height: 12pt; left: 334.5pt; position: absolute; top: 24pt; width: 133.5pt;"><div><div style="line-height: 5.55pt; position: absolute; top: 3.23pt; width: 133.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: italic; font-weight: normal; left: 33.44pt; position: absolute; text-decoration: none; white-space: pre;">(Dollars in Millions)<font style="display: inline-block; height: 5.55pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 36pt; width: 334.5pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Long-term debt<font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 70.08pt; position: absolute; text-decoration: none; top: -2.3694999999999995pt; vertical-align: super; white-space: pre;">(1)<font style="display: inline-block; height: 4.4005pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 77.64999999999999pt; position: absolute; text-decoration: none; white-space: pre;">&#58;<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 50.25pt; width: 334.5pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 64.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Senior Notes&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 78.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">5.722% senior notes due 2030<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 78.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 39.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">746<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 78.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 39.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">746<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 93pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">1.80% senior notes due 2028<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 93pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">647<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 93pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">647<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 107.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">2.25% senior notes due May 2025<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 107.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">749<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 107.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">749<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 121.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Subordinated Notes&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 135.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">7.75% subordinated notes due September 2024<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 135.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">100<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 135.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">100<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 150pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">6.75% subordinated debentures due November 2025<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 150pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">151<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 150pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">151<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 164.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">7.375% subordinated notes due December 2037<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 164.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">298<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 164.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">298<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 178.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Valuation adjustments on hedged long-term debt<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 178.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 37.44pt;"></font></font><font style="left: 40.07pt; position: absolute;">(106)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 178.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 37.44pt;"></font></font><font style="left: 40.07pt; position: absolute;">(106)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 192.75pt; width: 334.5pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 3.83pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Bank<font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 61.78pt; position: absolute; text-decoration: none; top: -2.3694999999999995pt; vertical-align: super; white-space: pre;">(2)<font style="display: inline-block; height: 4.4005pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 207pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Subordinated Notes&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 221.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">6.45% subordinated notes due June 2037<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 221.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">496<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 221.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 44.1pt;"></font></font><font style="left: 46.730000000000004pt; position: absolute;">496<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 235.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">FHLB advances<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 235.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.6pt;"></font></font><font style="left: 39.230000000000004pt; position: absolute;">2,000<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 235.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.6pt;"></font></font><font style="left: 39.230000000000004pt; position: absolute;">2,000<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 249.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Other long-term debt<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 249.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 54.1pt;"></font></font><font style="left: 56.730000000000004pt; position: absolute;">2<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 249.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 54.1pt;"></font></font><font style="left: 56.730000000000004pt; position: absolute;">2<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 264pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total Long-Term Debt<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-bottom: 3pt double #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 264pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.6pt;"></font></font><font style="left: 39.230000000000004pt; position: absolute;">5,083<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-bottom: 3pt double #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 264pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 31.6pt;"></font></font><font style="left: 39.230000000000004pt; position: absolute;">5,083<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 278.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Shareholders&#8217; Equity&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-top: 3pt double #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-top: 3pt double #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 292.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Series B Preferred Stock<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 125.13pt; position: absolute; text-decoration: none; top: -2.4254999999999995pt; vertical-align: super; white-space: pre;">(3)<font style="display: inline-block; height: 4.5045pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 292.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 38.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">433<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 292.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">&#8212;<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 306.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Series C Preferred Stock<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 306.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">490<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 306.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">490<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 321pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Series D Preferred Stock<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 321pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">346<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 321pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">346<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 335.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Series E Preferred Stock<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 335.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">390<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 335.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">390<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 349.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Series F Preferred Stock<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 349.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">&#8212;<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 349.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 43.54pt;"></font></font><font style="left: 46.17pt; position: absolute;">488<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 363.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Common stock<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 363.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">10<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 363.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 48.54pt;"></font></font><font style="left: 51.17pt; position: absolute;">10<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 378pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Additional paid-in capital<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 378pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">11,575<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 378pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 31.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">11,523<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 392.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Retained earnings<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 392.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">8,561<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 392.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 36.04pt;"></font></font><font style="left: 38.67pt; position: absolute;">8,546<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 406.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Treasury stock, at cost<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 406.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 32.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(1,371)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 406.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 32.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(1,371)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 420.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.63pt; position: absolute; text-decoration: none; white-space: pre;">Accumulated other comprehensive income (loss), net<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 420.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 32.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(3,265)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 420.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 32.71pt;"></font></font><font style="left: 35.34pt; position: absolute;">(3,265)<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 435pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 14.63pt; position: absolute; text-decoration: none; white-space: pre;">Total shareholders&#8217; equity<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-bottom: 3pt double #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 435pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">17,169<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-bottom: 3pt double #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 435pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">17,157<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 449.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total Capitalization<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; border-bottom: 3pt double #000; border-top: 3pt double #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 449.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">22,252<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 3pt double #000; border-top: 3pt double #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 449.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">22,240<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 5.54pt; position: absolute; top: 630.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">__________________<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 640.1pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(1)<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Long-term debt consists of debt with a maturity of one year or more at the time it is incurred.<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="font-size: 12pt; line-height: 5.54pt; position: absolute; top: 649.7pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(2)<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">As of June 30, 2024, Regions Bank had total liabilities of<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 273.46000000000004pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 275.46000000000004pt; position: absolute; text-decoration: none; white-space: pre;">$133.9&#160;billion<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 320.34000000000003pt; position: absolute; text-decoration: none; white-space: pre;">, including <font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 356.55pt; position: absolute; text-decoration: none; white-space: pre;">$126.6&#160;billion<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 401.43pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 403.43pt; position: absolute; text-decoration: none; white-space: pre;">of deposit liabilities.<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 668.3pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(3)<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">The full liquidation preference of the Series B Preferred Stock is $500 million.<font style="display: inline-block; height: 5.54pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-15<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_430" style="position: absolute; top: 72pt;"></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 213.97pt; position: absolute; text-decoration: none; white-space: pre;">CAPITAL COMPONENTS AND RATIOS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The following table sets forth our capital components and capital ratios as of June 30, 2024 (i) on an actual basis <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and (ii) on an as adjusted basis to give effect to the issuance of the Preferred Stock and assuming redemption in full <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the Series&#160;B Preferred Stock as described in &#8220;Use of Proceeds.&#8221; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 138pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 334.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="3"><div style="height: 12pt; left: 334.5pt; position: absolute; top: 0pt; width: 133.5pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 133.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 33.76pt; position: absolute; text-decoration: none; white-space: pre;">As of June 30, 2024<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 20.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 20.25pt; left: 334.5pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 11.62pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 21.3pt; position: absolute; text-decoration: none; white-space: pre;">Actual<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 20.25pt; left: 402.75pt; position: absolute; top: 12pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.62pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 5.54pt; position: absolute; text-decoration: none; white-space: pre;">As Adjusted for <font style="display: inline-block; height: 5.41pt;"></font></font></div><div style="line-height: 5.41pt; position: absolute; top: 11.62pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 10.76pt; position: absolute; text-decoration: none; white-space: pre;">this Offering<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 0pt; position: absolute; top: 32.25pt; width: 334.5pt;"><div><div style="line-height: 5.55pt; position: absolute; top: 3.23pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: italic; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">(dollars in millions)<font style="display: inline-block; height: 5.55pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 44.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Common equity tier 1 capital<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 44.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 17.71pt;"></font></font><font style="left: 25.34pt; position: absolute;">13,093<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 44.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 17.71pt;"></font></font><font style="left: 25.34pt; position: absolute;">13,026<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 58.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Additional tier 1 capital<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 58.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 22.71pt;"></font></font><font style="left: 30.34pt; position: absolute;">1,659<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 58.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 22.71pt;"></font></font><font style="left: 30.34pt; position: absolute;">1,714<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 72.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Tier 2 capital<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 72.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 22.71pt;"></font></font><font style="left: 30.34pt; position: absolute;">2,397<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 72.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 22.71pt;"></font></font><font style="left: 30.34pt; position: absolute;">2,397<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 87pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total capital<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 87pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 17.71pt;"></font></font><font style="left: 25.34pt; position: absolute;">17,149<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 87pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 17.71pt;"></font></font><font style="left: 25.34pt; position: absolute;">17,137<font style="display: inline-block; height: 6.93pt; width: 11.66pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 101.25pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Common equity tier 1 capital ratio<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 101.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 35.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 35.34pt; position: absolute;">10.4<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 101.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 35.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 35.34pt; position: absolute;">10.4<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 115.5pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Tier 1 capital ratio<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 115.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 35.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 35.34pt; position: absolute;">11.7<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 115.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 35.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 35.34pt; position: absolute;">11.7<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 129.75pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total capital ratio<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 129.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 35.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 35.34pt; position: absolute;">13.6<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 129.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 35.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 35.34pt; position: absolute;">13.6<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 144pt; width: 334.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 334.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Tier 1 leverage ratio<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 334.5pt; position: absolute; top: 144pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 40.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 40.34pt; position: absolute;">9.8<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 144pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 40.34pt; position: absolute;"><font style="display: inline-block; height: 6.93pt;"></font></font><font style="left: 40.34pt; position: absolute;">9.8<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font><font style="left: 56.17pt; position: absolute;">%<font style="display: inline-block; height: 6.93pt;"></font></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 5.54pt; position: absolute; top: 301.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">_______________<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 310.85pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(1)<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Capital components and capital ratios as of June 30, 2024 have been estimated for purposes of this prospectus supplement.<font style="display: inline-block; height: 5.54pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-16<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_436" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 220.63pt; position: absolute; text-decoration: none; white-space: pre;">DESCRIPTION OF CAPITAL STOCK<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The following is a brief description of the material terms of our capital stock. The following summary of the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">terms and provisions of our capital stock does not purport to be complete in all respects, and is qualified in its <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entirety by reference to the pertinent sections of our Amended and Restated Certificate of Incorporation, our <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Restated Bylaws, the Delaware General Corporation Law (the &#8220;DGCL&#8221;) and federal law governing bank holding <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">companies and their subsidiaries.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Common Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 183pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Under our amended and restated certificate of incorporation, we are authorized to issue a total of 3,000,000,000 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 195pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares of common stock having a par value of $0.01 per share.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.05pt; position: absolute; text-decoration: none; white-space: pre;"> As of June 30, 2024, Regions had a total of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">915,015,152 shares <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.97pt; position: absolute; white-space: pre;">of common stock outstanding. Our common stock is listed on the NYSE under the symbol &#8220;RF.&#8221; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Holders of common stock do not have any conversion, redemption, preemptive or preferential rights.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Dividends<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Holders of our common stock are entitled to participate equally in dividends when our board of directors <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">declares dividends on shares of common stock out of funds legally available for dividends. The rights of holders of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 285pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">common stock to receive dividends are subject to the preferences of holders of preferred stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Voting Rights<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Subject to the rights, if any, of the holders of any series of our preferred stock, holders of our common stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">have exclusive voting rights and are entitled to one vote for each share of common stock on all matters voted upon <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by the shareholders, including election of directors. Holders of our common stock do not have the right to cumulate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">their voting power.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Liquidation Rights<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In the event of our liquidation, dissolution or winding-up, holders of common stock have the right to a ratable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">portion of assets remaining after satisfaction in full of the prior rights of our creditors, all liabilities, and the total <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation preferences of any outstanding shares of preferred stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Our authorized capital stock also includes 10,000,000 authorized shares of preferred stock, par value $1.00 per <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">share. As of the date of this prospectus supplement, 1,403,500 shares of our preferred stock were issued and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">outstanding, 500,000 of which are designated as shares of our Series B Preferred Stock, 500,000 of which are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">designated as shares of our Series C Preferred Stock, 3,500 of which are designated as shares of our Series D <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock and 400,000 of which are designated as shares of our Series E Preferred Stock. Our Amended and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Restated Certificate of Incorporation grants our board of directors broad power to establish the rights and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 543pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferences of authorized and unissued preferred stock without first seeking approval from the holders of our capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock, including the designations, powers, preferences and rights (including conversion, voting and other rights) and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the qualifications, limitations or restrictions, of any series of preferred stock.&#160; The transfer agent, registrar and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary of all of our preferred stock is Broadridge Financial Solutions, LLC.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Series B Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.78pt; position: absolute; white-space: pre;"> The terms of our 6.375% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock, Series B, and the associated depositary shares representing a 1&#47;40th ownership interest in a share of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series&#160;B Preferred Stock, are generally similar to those of the Preferred Stock and the depositary shares offered by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">this prospectus supplement, except that, among other differences, (i)&#160;dividends on our Series B Preferred Stock are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">paid when, as and if declared by our board of directors (or a duly authorized committee thereof ), from the date of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">issuance to, but excluding, September 15, 2024, at a fixed rate equal to 6.375% per annum, payable quarterly in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">arrears, and then for so long as our Series B Preferred Stock remains outstanding, at a floating rate per annum equal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 82.27pt; position: absolute; text-decoration: none; white-space: pre;">3 month CME Term SOFR on the related dividend determination date plus 3.798%<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 415.01pt; position: absolute; white-space: pre;">, (ii) in addition to redemptions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in connection with a regulatory capital treatment event with respect to the Series B Preferred Stock, shares of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 708pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series B Preferred Stock are redeemable, subject to regulatory approval, in whole or in part, from time to time on <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-17<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any dividend payment date for the Series B Preferred Stock occurring on or after September 15, 2024, and (iii) the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation preference of the Series B Preferred Stock is $1,000 per share (equivalent to $25 per depositary share). <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">The depositary shares associated with our Series B Preferred Stock are traded on the NYSE under the symbol <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;RFPrB&#8221;. We expect to use the net proceeds of the Preferred Stock offering to redeem all outstanding shares of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series B Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Series C Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.78pt; position: absolute; white-space: pre;"> The terms of our 5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock, Series C, and the associated depositary shares representing a 1&#47;40th ownership interest in a share of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series&#160;C Preferred Stock, are generally similar to those of the Preferred Stock and the depositary shares offered by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">this prospectus supplement, except that, among other differences, (i)&#160;dividends on our Series C Preferred Stock are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">paid when, as and if declared by our board of directors (or a duly authorized committee thereof ), from the date of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">issuance to, but excluding, August 15, 2029, at a fixed rate equal to 5.700% per annum, payable quarterly in arrears, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and then for so long as our Series C Preferred Stock remains outstanding, at a floating rate per annum equal to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">3&#160;month CME Term SOFR on the related dividend determination date plus 3.410%<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 404.74pt; position: absolute; white-space: pre;"> (ii) in addition to redemptions in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">connection with a regulatory capital treatment event with respect to the Series C Preferred Stock, shares of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series C Preferred Stock are redeemable, subject to regulatory approval, in whole or in part, from time to time on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any dividend payment date for the Series C Preferred Stock occurring on or after May 15, 2029 and (iii) the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation preference for the Series C Preferred Stock is $1,000 per share (equivalent to $25 per depositary share). <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 285pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">The depositary shares associated with our Series C Preferred Stock are traded on the NYSE under the symbol <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;RFPrC&#8221;.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Series D Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 194.34pt; position: absolute; white-space: pre;"> The terms of our Non-Cumulative Perpetual Preferred Stock, Series D, and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">associated depositary shares representing a 1&#47;100th ownership interest in a share of our Series D Preferred Stock, are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">generally similar to those of the Preferred Stock and the depositary shares offered by this prospectus supplement, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 354pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">except that, among other differences, (i) dividends on our Series D Preferred Stock are paid when, as and if declared <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by our board of directors (or a duly authorized committee thereof) on the stated amount of $100,000 per share of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series D Preferred Stock at a fixed rate per annum equal to (x) 5.750% from the original issue date of the Series D <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 390pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock to, but excluding, the dividend payment date on September 15, 2025 (the &#8220;First Reset Date&#8221;) and (y) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 402pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the five-year treasury rate as of the most recent reset dividend determination date plus 5.426%, during each reset <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 414pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">period, from, and including, the First Rest Date, (ii) in addition to redemptions in connection with a regulatory <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 426pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">capital treatment event with respect to the Series D Preferred Stock, shares of the Series D Preferred Stock are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 438pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redeemable, subject to regulatory approval, in whole or in part, from time to time on any dividend payment date for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Series D Preferred Stock occurring during the three-month period prior to, and including, each reset date, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(iii) the liquidation preference for the Series D Preferred Stock is $100,000 per share (equivalent to $1,000 per <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary share). <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Series E Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.78pt; position: absolute; white-space: pre;"> The terms of our 4.45% Non-Cumulative Perpetual Preferred Stock, Series E, and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">associated depositary shares representing a 1&#47;40th ownership interest in a share of our Series E Preferred Stock, are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">generally similar to those of the Preferred Stock and the depositary shares offered by this prospectus supplement, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">except that, among other differences, (i) dividends on our Series E Preferred Stock are paid when, as and if declared <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 543pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by our board of directors (or a duly authorized committee thereof) at a fixed rate per annum equal to 4.45% per <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">annum, payable quarterly in arrears, (ii) in addition to redemptions in connection with a regulatory capital treatment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">event with respect to the Series E Preferred Stock, shares of the Series E Preferred Stock are redeemable, subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">regulatory approval, in whole or in part, from time to time on any dividend payment date for the Series E Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock on or after June 15, 2026, and (iii) the liquidation preference for the Series E Preferred Stock is $1,000 per <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">share (equivalent to $25 per depositary share). The depositary shares associated with our Series E Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">are traded on the NYSE under the symbol &#8220;RFPrE&#8221;. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Certain Provisions That May Have an Anti-Takeover Effect<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 657pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Our Amended and Restated Certificate of Incorporation and Restated Bylaws, and certain portions of federal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 669pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">law and the DGCL, contain certain provisions that may have an anti-takeover effect.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 690pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Business Combination.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 185.51pt; position: absolute; white-space: pre;"> In addition to any other vote required by law, our Amended and Restated Certificate of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 702pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Incorporation or any agreement between us and any national securities exchange, the affirmative vote of the holders <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-18<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of at least 75% of the outstanding shares of our common stock entitled to vote in an election of the directors is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">required for any merger or consolidation with or into any other corporation, or any sale or lease of all or a substantial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">part of our assets to any other corporation, person or other entity, in each case if, on the record date for the vote <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">thereon, such other corporation, person or entity is the beneficial owner of 5% or more of our outstanding shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entitled to vote in an election of directors. This supermajority provision does not apply where&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">our directors have approved a memorandum of understanding or other written agreement providing for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">transaction prior to the time that such corporation, entity or person became a beneficial owner of more than <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">5% of our outstanding shares entitled to vote in an election of directors, or after such acquisition of 5% of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">our outstanding shares, if at least 75% of the directors approve the transaction prior to its consummation&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">our merger or consolidation with, or any sale or lease by us or any of our subsidiaries of any assets of, or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">any sale or lease by us or any of our subsidiaries of any assets to, any corporation of which a majority of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the outstanding shares of all classes of stock entitled to vote in election of directors is owned of record or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">beneficially by us or any of our subsidiaries.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Delaware Anti-Takeover Laws.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 217.92000000000002pt; position: absolute; white-space: pre;"> We are subject to Section&#160;203 of the DGCL, which prohibits us from engaging <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in any &#8220;business combination&#8221; with an &#8220;interested shareholder&#8221; for a period of three years subsequent to the date on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which the shareholder became an interested shareholder unless&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">prior to such date, our board of directors approved either the business combination or the transaction in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which the shareholder became an interested shareholder&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 333pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">upon completion of the transaction that resulted in the shareholder becoming an interested shareholder, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 345pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">interested shareholder owns at least 85% of our outstanding voting stock (with certain exclusions)&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the business combination is approved by our board of directors and authorized by a vote (and not by written <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">consent) of at least 66 2&#47;3% of our outstanding voting stock not owned by the interested shareholder.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">For purposes of Section&#160;203, an &#8220;interested shareholder&#8221; is defined as an entity or person beneficially owning <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">15% or more of our outstanding voting stock, based on voting power, and any entity or person affiliated with or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">controlling or controlled by such an entity or person. A &#8220;business combination&#8221; includes mergers, asset sales and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other transactions resulting in financial benefit to a shareholder. Section&#160;203 could prohibit or delay mergers or other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">takeover or change of control attempts with respect to us and, accordingly, may discourage attempts that might <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">result in a premium over the market price for the shares held by shareholders. Such provisions may also have the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">effect of deterring hostile takeovers or delaying changes in control of management or us.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Blank Check Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 213.22pt; position: absolute; white-space: pre;"> Our authorized capital stock includes 10,000,000 authorized shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred&#160;stock of which 1,403,500 shares have been issued as of the date of this prospectus supplement. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">existence of authorized but unissued preferred stock may enable our board of directors to delay, defer or prevent a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">change in control of us by means of a merger, tender offer, proxy contest or otherwise. In this regard, our Amended <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Restated Certificate of Incorporation grants our board of directors broad power to establish the rights and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferences of authorized and unissued preferred stock. The issuance of preferred stock with a liquidation preference <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">could decrease the amount of earnings and assets available for distribution to holders of our common stock. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">issuance may also adversely affect the rights and powers, including voting rights, of such holders and may have the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">effect of delaying, deterring or preventing a change in control. Our board of directors currently does not intend to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">seek shareholder approval prior to any issuance of preferred stock, unless otherwise required by law or any listing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">requirement adopted by a securities exchange on which our common stock is listed.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 633pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Special Meeting of Shareholders.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 227.12pt; position: absolute; white-space: pre;"> Only our Chairman of the Board, Chief Executive Officer, President, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 645pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Secretary, or directors by resolution, may call a special meeting of our shareholders.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Action of Shareholders Without a Meeting.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 267.66999999999996pt; position: absolute; white-space: pre;"> Any action of our shareholders may be taken at a meeting only and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">may not be taken by written consent.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-19<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Amendment of Certificate of Incorporation.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 270.12pt; position: absolute; white-space: pre;"> For us to amend our Amended and Restated Certificate of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Incorporation, Delaware law requires that our board of directors adopt a resolution setting forth any amendment, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">declare the advisability of the amendment and call a shareholders&#8217; meeting to adopt the amendment. Generally, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">amendments to our Amended and Restated Certificate of Incorporation require the affirmative vote of a majority of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our outstanding stock. As described below, however, certain amendments to our Amended and Restated Certificate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of Incorporation may require a supermajority vote.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The vote of the holders of not less than 75% of outstanding shares of our common stock entitled to vote in an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">election of directors, considered as a single class, is required to adopt any amendment to our Amended and Restated <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Certificate of Incorporation that relates to the provisions of our Amended and Restated Certificate of Incorporation <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">that govern the following matters&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the size of our board of directors or the term of any director elected by the vote of the holders of any class <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or series of stock, voting separately as a class&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the provisions regarding business combinations discussed in &#8220;&#8212;Certain Provisions That May Have an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Anti-Takeover Effect&#8212;Business Combination&#8221;&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the ability of our shareholders to act by written consent&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the provisions indemnifying our officers, directors, employees and agents&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the provisions setting forth the supermajority vote requirements for amending our Amended and Restated <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Certificate of Incorporation.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The provisions described above may discourage attempts by others to acquire control of us without negotiation <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with our board of directors. This enhances our board of directors&#8217; ability to attempt to promote the interests of all of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our shareholders. However, to the extent that these provisions make us a less attractive takeover candidate, they may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">not always be in our best interests or in the best interests of our shareholders. None of these provisions is the result <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of any specific effort by a third party to accumulate our securities or to obtain control of us by means of merger, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">tender offer, solicitation in opposition to management or otherwise.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; white-space: pre;">Banking Law.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 148.31pt; position: absolute; white-space: pre;"> The ability of a third party to acquire us is also limited under applicable U.S. banking laws and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">regulations. The Bank Holding Company Act of 1956, as amended (the &#8220;BHC Act&#8221;), requires any bank holding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">company (as defined therein) to obtain the approval of the Federal Reserve prior to acquiring, directly or indirectly, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">more than 5% of our outstanding common stock or any other class of our voting securities. Any &#8220;company&#8221; (as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">defined in the BHC Act) other than a bank holding company would be required to obtain Federal Reserve approval <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">before acquiring &#8220;control&#8221; of us. &#8220;Control&#8221; generally means (i)&#160;the ownership or control of 25% or more of a class <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of voting securities, (ii)&#160;the ability to elect a majority of the directors or (iii)&#160;the ability otherwise to exercise a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">controlling influence over management and policies. A holder of 25% or more of our outstanding common stock (or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any other class of our voting securities), other than an individual, is subject to regulation and supervision as a bank <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holding company under the BHC Act. In addition, under the Change in Bank Control Act of 1978, as amended, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Federal Reserve&#8217;s regulations thereunder, any person, either individually or acting through or in concert with one <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or more persons, is required to provide notice to the Federal Reserve prior to acquiring, directly or indirectly, 10% or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">more of our outstanding common stock (or any other class of our voting securities). In addition, Alabama law <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">requires the Superintendent of the Alabama State Banking Department to approve of any merger, consolidation, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transfer of assets and liabilities, or change of direct or indirect control of bank chartered by the state of Alabama.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-20<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_28" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 177.47pt; position: absolute; text-decoration: none; white-space: pre;">DESCRIPTION OF THE SERIES F PREFERRED STOCK<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The following is a brief description of the material terms of the Preferred Stock. The following summary of the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">terms and provisions of the Preferred Stock does not purport to be complete in all respects, and is qualified in its <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entirety by reference to the pertinent sections of our Amended and Restated Certificate of Incorporation (including <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Certificate of Designations creating the Preferred Stock), our Restated Bylaws, the DGCL and federal law <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">governing bank holding companies and their subsidiaries.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">General<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 183pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The Non-Cumulative, Perpetual Preferred Stock, Series F is a single series of our authorized preferred stock. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 195pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">We are offering 20,000,000 depositary shares, representing 500,000&#160;shares of the Preferred Stock in the aggregate, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by this prospectus supplement and the accompanying prospectus. Shares of the Preferred Stock, upon issuance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">against full payment of the purchase price for the depositary shares, will be fully paid and nonassessable. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary will be the sole holder of shares of the Preferred Stock. The holders of depositary shares will be required <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to exercise their proportional rights in the Preferred Stock through the depositary, as described in &#8220;Description of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Depositary Shares.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">With respect to the payment of dividends and distributions upon liquidation, dissolution or winding-up of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">business and affairs, the Preferred Stock will rank (i)&#160;senior to our common stock and each other series of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred&#160;stock we may issue (unless expressly provided otherwise in the Certificate of Designations creating such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock), (ii) pari passu with the Series B Preferred Stock, Series C Preferred Stock, Series D <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock, Series E Preferred Stock and each other series of our preferred stock which expressly provides in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Certificate of Designations creating such preferred stock that it will rank pari passu with the Preferred Stock and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(iii)&#160;junior to all existing and future indebtedness and other non-equity claims on us and to each other series of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock which expressly provides in the Certificate of Designations creating such preferred stock that it will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rank senior to the Preferred Stock. As of the date of this prospectus supplement, our Series B Preferred Stock, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series&#160;C Preferred Stock, Series D Preferred Stock and Series E Preferred Stock are our only series of preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock outstanding.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The Preferred Stock will not be convertible into, or exchangeable for, shares of any other class or series of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">capital stock or other securities. The Preferred Stock is perpetual and has no maturity date.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We reserve the right to re-open this series and issue additional shares of the Preferred Stock either through <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">public or private sales at any time and from time to time, without notice to or consent of holders of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock&#59; provided, that any such additional shares of Preferred Stock are treated as fungible with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock offered hereby for U.S. federal income tax purposes. In the event we issue additional shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock, we expect to cause a corresponding number of additional depositary shares to be issued. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">additional shares of Preferred Stock would form a single series with the Preferred Stock offered by this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement. In addition, we may from time to time, without notice to or consent of holders of the Preferred Stock, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">issue additional shares of preferred stock that rank equally with or junior to the Preferred Stock with respect to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payment of dividends (whether such dividends are cumulative or non-cumulative) and distributions upon our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation, dissolution or winding-up.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Dividends<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Holders of Preferred Stock will be entitled to receive, when, as and if declared by our board of directors (or a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">duly authorized committee thereof), out of assets legally available for the payment of dividends under the DGCL, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">non-cumulative cash dividends on the $1,000 per share liquidation amount of the Preferred Stock (equivalent to $25 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">per depositary share) at a rate, <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 194.88pt; position: absolute; white-space: pre;">per annum<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.92pt; position: absolute; white-space: pre;">, equal to (i)&#160;6.95% from the original issue date of the Preferred Stock to, <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">but excluding, September 15, 2029 (the &#8220;First Reset Date&#8221;)&#59; and (ii) the five-year treasury rate as of the most recent <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">reset dividend determination date (as defined below) plus&#160;2.771% for each reset period from, and including, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">September 15, 2029.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-21<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As used in this prospectus supplement&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">A &#8220;reset date&#8221; means the First Reset Date and each date falling on the fifth anniversary of the preceding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reset date. Reset dates, including the First Reset Date, will not be adjusted for business days.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">A &#8220;reset period&#8221; means the period from and including the First Reset Date to, but excluding, the next <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 138pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">following reset date and thereafter each period from and including each reset date to, but excluding, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">next following reset date.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 171pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">A &#8220;reset dividend determination date&#8221; means, in respect of any reset period, the day falling three business <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 183pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">days prior to the beginning of such reset period.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">A &#8220;business day&#8221; means any weekday that is not a legal holiday in New York, New York and is not a day <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">on which banking institutions in New York, New York are authorized or obligated by law, regulation or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">executive order to close.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">A &#8220;dividend period&#8221; means each period from and including a dividend payment date (except that the initial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">dividend period shall commence on the original issue date of the Preferred Stock) and continuing to, but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">excluding, the next succeeding dividend payment date. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;H.15 Daily Update&#8221; means the daily statistical release designated as such, or any successor publication, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">published by the Federal Reserve.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Calculation agent&#8221; means, at any time, the person or entity appointed by us and serving as such agent at <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">such time, which may be a person or entity affiliated with us. We may terminate any such appointment and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">may appoint a successor agent at any time and from time to time. We will use our best efforts, however, to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ensure that there is, at all relevant times when Preferred Stock is outstanding, a person or entity appointed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and serving as the calculation agent.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If declared by our board of directors (or a duly authorized committee thereof), we will pay dividends on the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock quarterly in arrears on March 15, June 15, September 15 and December 15 of each year, beginning <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on September 15, 2024, each such date referred to as a dividend payment date. If any dividend payment date falls on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">a day other than a business day, then such date shall nevertheless be a dividend payment date but any dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">declared and otherwise payable on that dividend payment date will instead be paid on the next business day without <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any adjustment to the amount of dividends paid.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">A dividend period for the Preferred Stock is the period from and including a dividend payment date to but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">excluding the next dividend payment date, except that the initial dividend period of the Preferred Stock issued as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">part of this offering will commence on and include the date we first issue shares of Preferred Stock. Dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payable on the Preferred Stock will be calculated on the basis of a 360-day year consisting of twelve 30-day months. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Dollar amounts resulting from that calculation will be rounded to the nearest cent, with one-half cent being rounded <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">upward. We will not pay interest or any sum of money instead of interest on any dividend payment that may be in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">arrears on the Preferred Stock. The calculation agent&#8217;s determination of any dividend rate, and its calculation of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">amount of dividends for any dividend period, will be maintained on file at our principal offices, will be made <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">available to any shareholder upon request and will be final and binding in the absence of manifest error. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Dividends on the Preferred Stock will not be cumulative and will not be mandatory. If our board of directors (or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">a duly authorized committee thereof) does not declare a dividend on the Preferred Stock in respect of a dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">period, then no dividend shall be deemed to have accrued for such dividend period, no dividend shall be payable on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the applicable dividend payment date, and we will have no obligation to pay any dividend for that dividend period, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whether or not our board of directors (or a duly authorized committee thereof) declares a dividend for any future <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend period with respect to the Preferred Stock or at any future time with respect to any other class or series of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our capital stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Dividends will be payable to holders of record of Preferred Stock as they appear on our stock register on the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">applicable record date, which shall be the 15th calendar day before the applicable dividend payment date, or such <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-22<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other record date, no more than 60 calendar days nor less than ten calendar days before the applicable dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payment date, as shall be fixed by our board of directors (or a duly authorized committee thereof) (the &#8220;dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">record date&#8221;). A dividend record date established for the Preferred Stock need not be a business day. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">corresponding record dates for the depositary shares will be the same as the record dates for the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Dividends on the Preferred Stock will cease to accrue on the redemption date, if any, as described below under <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;&#8212;Redemption.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">For any reset period commencing on or after the First Reset Date, the &#8220;five-year treasury rate&#8221; means&#58; (i) the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">average of the yields on actively traded U.S. treasury securities adjusted to constant maturity, for five-year <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">maturities, for the five business days immediately preceding such date of determination (or, if fewer than five <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">business days appear, such number of business days appearing) under the caption &#8220;Treasury Constant Maturities&#8221; in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the most recently published H.15 Daily Update as of 5&#58;00 p.m. (Eastern Time) as of any date of determination&#59; or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(ii) if there are no such published yields on actively traded U.S. treasury securities adjusted to constant maturity, for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">traded U.S. treasury securities adjusted to constant maturity for two series of actively traded U.S. treasury securities, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(A) one maturing as close as possible to, but earlier than, the reset date following the next succeeding reset dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">determination date and (B) the other maturing as close as possible to, but later than, the reset date following the next <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">succeeding reset dividend determination date, in each case for the five business days immediately preceding such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">date of determination (or, if fewer than five business days appear, such number of business days appearing) under <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the caption &#8220;Treasury Constant Maturities&#8221; in the H.15 Daily Update as of 5&#58;00 p.m. (Eastern Time) as of any date <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of determination.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If we, in our sole discretion, determine that the five-year treasury rate cannot be determined in the manner <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">applicable for such rate (which, as of the original issue date of the Preferred Stock, is pursuant to the methods <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">described in clauses (i) or (ii) of the immediately preceding paragraph) (a &#8220;Rate Substitution Event&#8221;), we may, in our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">sole discretion, designate an unaffiliated agent or advisor, which may include an unaffiliated underwriter for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">offering of the depositary shares or any affiliate of any such underwriter (the &#8220;Designee&#8221;), to determine whether <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">there is an industry-accepted successor rate to the then-applicable base rate (which, as of the original issue date of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock, is the initial base rate). If the Designee determines that there is such an industry-accepted <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">successor rate, then the five-year treasury rate shall be deemed to be such successor rate and, in that case, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Designee may then determine and adjust the business day convention, the definition of business day and the reset <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend determination date to be used and any other relevant methodology for determining or otherwise calculating <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such successor rate, including any adjustment factor needed to make such successor rate comparable to the then-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">applicable base rate (which, as of the original issue date of the Preferred Stock, is the initial base rate) in each case, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in a manner that is consistent with industry-accepted practices for the use of such successor rate (the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;Adjustments&#8221;). If we, in our sole discretion, do not designate a Designee or if the Designee determines that there is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">no industry-accepted successor rate to then-applicable base rate, then the interest rate will be the same interest rate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">determined for the prior reset dividend determination date or, if this sentence is applicable with respect to the first <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">reset dividend determination date, <font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 210.42pt; position: absolute; text-decoration: none; white-space: pre;">the interest rate will be&#160;4.179%.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The five-year treasury rate will be determined by the calculation agent on the third business day immediately <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preceding the applicable reset date.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Priority Regarding Dividends<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">So long as any share of Preferred Stock remains outstanding, unless (i)&#160;the full dividends for the most recently <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">completed dividend period have been declared and paid (or declared and a sum sufficient for the payment thereof <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">has been set aside) on all outstanding shares of Preferred Stock and (ii)&#160;we are not in default on our obligation to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redeem any shares of Preferred Stock that have been called for redemption&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">no dividend shall be declared, paid or set aside for payment and no distribution shall be declared, made or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">set aside for payment on any junior stock (as defined below) (other than (i) a dividend payable solely in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">junior stock or (ii) any dividend in connection with the implementation of a shareholders&#8217; rights plan, or the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">redemption or repurchase of any rights under any such plan)&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-23<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">no shares of junior stock shall be repurchased, redeemed or otherwise acquired for consideration by us, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">directly or indirectly (other than (i) as a result of a reclassification of junior stock for or into other junior <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">stock, (ii) the exchange or conversion of junior stock for or into other junior stock, (iii) through the use of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the proceeds of a substantially contemporaneous sale of other shares of junior stock, (iv)&#160;purchases, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">redemptions or other acquisitions of shares of the junior stock in connection with any employment contract, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">benefit plan or other similar arrangement with or for the benefit of employees, officers, directors or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">consultants, (v) purchases of shares of junior stock pursuant to a contractually binding requirement to buy <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">junior stock existing prior to the most recently completed dividend period, including under a contractually <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">binding stock repurchase plan, (vi) the purchase of fractional interests in shares of junior stock pursuant to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the conversion or exchange provisions of such stock or the security being converted or exchanged, (vii) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">purchases or other acquisitions by any of our broker-dealer subsidiaries solely for the purpose of market <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">making, stabilization or customer facilitation transactions in junior stock in the ordinary course of business, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(viii) purchases by any of our broker-dealer subsidiaries of our capital stock for resale pursuant to an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">offering by us of such capital stock underwritten by such broker-dealer subsidiary, or (ix) the acquisition by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">us or any of our subsidiaries of record ownership in junior stock for the beneficial ownership of any other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">persons (other than for the beneficial ownership by us or any of our subsidiaries), including as trustees or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">custodians), nor shall any monies be paid to or made available for a sinking fund for the redemption of any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">such securities by us&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">no shares of dividend parity stock (as defined below), if any, shall be repurchased, redeemed or otherwise <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 309pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">acquired for consideration by us, directly or indirectly, during a dividend period (other than (i) pursuant to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 321pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">pro rata offers to purchase all, or a <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 248.11pt; position: absolute; text-decoration: none; white-space: pre;">pro rata<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 281.15999999999997pt; position: absolute; text-decoration: none; white-space: pre;"> portion, of the Preferred Stock and such dividend parity stock, <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 333pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(ii) as a result of a reclassification of dividend parity stock for or into other dividend parity stock, (iii) the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 345pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">exchange or conversion of dividend parity stock for or into other dividend parity stock or junior stock, (iv) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 357pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">through the use of the proceeds of a substantially contemporaneous sale of other shares of dividend parity <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 369pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">stock, (v) purchases of shares of dividend parity stock pursuant to a contractually binding requirement to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">buy dividend parity stock existing prior to the most recently completed dividend period, including under a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">contractually binding stock repurchase plan, (vi) the purchase of fractional interests in shares of dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">parity stock pursuant to the conversion or exchange provisions of such stock or the security being converted <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or exchanged, (vii)&#160;purchases or other acquisitions by any of our broker-dealer subsidiaries solely for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">purpose of market making, stabilization or customer facilitation transactions in dividend parity stock in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ordinary course of business, (viii) purchases by any of our broker-dealer subsidiaries of our capital stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">for resale pursuant to an offering by us of such capital stock underwritten by such broker-dealer subsidiary, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or (ix) the acquisition by us or any of our subsidiaries of record ownership in dividend parity stock for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">beneficial ownership of any other persons (other than for the beneficial ownership by us or any of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">subsidiaries), including as trustees or custodians), nor shall any monies be paid to or made available for a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">sinking fund for the redemption of any such securities by us.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If dividends are not paid in full upon the shares of Preferred Stock and any dividend parity stock, all dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">paid or declared for payment on a dividend payment date with respect to the Preferred Stock and the dividend parity <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock will be shared based on the ratio between the then-current dividends due on shares of Preferred Stock and (i)&#160;in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the case of any series of non-cumulative dividend parity stock, the aggregate of the current and unpaid dividends due <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on such series of preferred stock and (ii)&#160;in the case of any series of cumulative dividend parity stock, the aggregate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the current and accumulated and unpaid dividends due on such series of preferred stock. To the extent a dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">period with respect to the Preferred Stock or any series of dividend parity stock (in either case, the &#8220;first series&#8221;) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">coincides with more than one dividend period with respect to another series as applicable (in either case, a &#8220;second <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">series&#8221;), then, for purposes of this paragraph, our board (or a duly authorized committee thereof) may, to the extent <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">permitted by the terms of each affected series, treat such dividend period for the first series as two or more <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">consecutive dividend periods, none of which coincides with more than one dividend period with respect to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">second series, or may treat such dividend period(s) with respect to any dividend parity stock and dividend period(s) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with respect to the Preferred Stock for purposes of this paragraph in any other manner that it deems to be fair and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">equitable in order to achieve ratable payments of dividends on such dividend parity stock and the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-24<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Subject to the foregoing, such dividends (payable in cash, securities or otherwise) as may be determined by our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">board of directors (or a duly authorized committee thereof ) may be declared and paid on any class or series of junior <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock or any dividend parity stock from time to time out of assets legally available for such payment, and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock will not be entitled to participate in any such dividend. Holders of the Preferred Stock will not be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entitled to receive any dividends not declared by our board of directors (or a duly authorized committee thereof ) and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">no interest, or sum of money in lieu of interest, shall be payable in respect of any dividend not so declared.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As used in this prospectus supplement, &#8220;junior stock&#8221; means our common stock and any other class or series of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our capital stock now or hereafter authorized, issued or outstanding that, by its terms, does not expressly provide that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">it ranks <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 104.19pt; position: absolute; white-space: pre;">pari passu<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.13pt; position: absolute; white-space: pre;"> with or senior to the Preferred Stock as to (i)&#160;payment of dividends and (ii)&#160;distributions upon our <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation, dissolution or winding-up.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As used in this prospectus supplement, &#8220;dividend parity stock&#8221; means the Series B Preferred Stock, Series C <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock, Series D Preferred Stock, Series E Preferred Stock and any other class or series of our capital stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">now or hereafter authorized, issued or outstanding that, by its terms, expressly provides that it ranks <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 473.54pt; position: absolute; white-space: pre;">pari passu<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 515.48pt; position: absolute; white-space: pre;"> with <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock as to the payment of dividends (regardless whether such capital stock bears dividends on a non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">cumulative or cumulative basis). As of the date of this prospectus supplement, dividend parity stock includes only <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our Series B Preferred Stock, of which 500,000 shares are currently outstanding, Series C Preferred Stock, of which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">500,000 shares are currently outstanding, Series D Preferred Stock, of which 3,500 shares are currently outstanding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Series E Preferred Stock, of which 400,000 shares are currently outstanding. We expect to use the net proceeds <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the Preferred Stock offering to redeem all outstanding shares of the Series B Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Restrictions on the Payment of Dividends<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The payment of dividends on the Preferred Stock is subject to the priority provisions and other restrictions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">described above in &#8220;&#8212;Dividends.&#8221; Our ability to pay dividends on the Preferred Stock is also dependent on our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ability to receive dividends from our subsidiaries. See &#8220;Risk Factors&#8212;We are a holding company and depend on our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subsidiaries for dividends, distributions and other payments.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Further, dividends on the Preferred Stock will not be declared, paid or set aside for payment if we fail to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">comply, or if and to the extent such act would cause us to fail to comply, with applicable laws and regulations, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">including any capital adequacy guidelines or regulations of the Federal Reserve (or, as and if applicable, the capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">adequacy guidelines or regulations of any successor appropriate federal banking agency (as defined in Section&#160;3(q) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the Federal Deposit Insurance Act)). The Certificate of Designations creating the Preferred Stock explicitly <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">provides that dividends on the Preferred Stock may not be declared or set aside for payment if and to the extent such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividends would cause us to fail to comply with the applicable capital adequacy guidelines.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Redemption<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Mandatory Redemption<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The Preferred Stock is perpetual and has no maturity date. The Preferred Stock is not subject to any mandatory <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption, sinking fund or other similar provisions.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Neither the holders of Preferred Stock nor holders of depositary shares will have the right to require the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption or repurchase of the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Optional Redemption<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We may redeem the Preferred Stock at our option, through a resolution duly adopted by our board of directors <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(or a duly authorized committee thereof), on any dividend payment date on or after September 15, 2029 at a price <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">equal to $1,000 per share (equivalent to $25 per depositary share), plus (except as otherwise provided) the per share <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">amount of any declared and unpaid dividends on the Preferred Stock prior to the date fixed for redemption (the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;redemption date&#8221;) (but with no amount in respect of any dividends that have not been declared prior to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption date).<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-25<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Redemption Following a Regulatory Capital Treatment Event<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We may redeem shares of the Preferred Stock at our option, through a resolution duly adopted by our board of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">directors (or a duly authorized committee thereof), at any time following a regulatory capital treatment event, in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whole but not in part, at a price equal to $1,000 per share (equivalent to $25 per depositary share), plus (except as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">otherwise provided) the per share amount of any declared and unpaid dividends on the Preferred Stock prior to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption date (but with no amount in respect of any dividends that have not been declared prior to the redemption <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">date).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">A &#8220;regulatory capital treatment event&#8221; means our good faith determination that, as a result of (i)&#160;any amendment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to, or change (including any announced prospective change) in, the laws or regulations of the United States or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">policies with respect thereto (including, for the avoidance of doubt, any agency or instrumentality of the United <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">States, including the Federal Reserve and other federal bank regulatory agencies) or any political subdivision of or in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the United States that is enacted or becomes effective (or will become effective) after the initial issuance of any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">share of Preferred Stock, (ii)&#160;any proposed change in those laws or regulations or policies with respect thereto that is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">announced or becomes effective (or will become effective) after the initial issuance of any share of Preferred Stock, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or (iii)&#160;any official administrative decision or judicial decision or administrative action or other official <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">pronouncement interpreting or applying those laws or regulations that is announced after the initial issuance of any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">share of Preferred Stock, there is more than an insubstantial risk that we will not be entitled to treat the full <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation value of the shares of Preferred Stock then outstanding as &#8220;Tier 1 Capital&#8221; (or its equivalent) for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">purposes of the capital adequacy guidelines or regulations promulgated by the Federal Reserve (or, as and if <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">applicable, the capital adequacy guidelines or regulations of any successor appropriate federal banking agency), as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">then in effect and applicable, for as long as any share of Preferred Stock is outstanding.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Redemption Procedures and Limitations<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If any shares of Preferred Stock are redeemed, the redemption price payable to the holder of any shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock called for redemption will be payable on the applicable redemption date against the surrender to us <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or our agent of any certificate(s) evidencing the shares called for redemption. Any declared but unpaid dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payable on a redemption date that occurs after the dividend record date for any dividend period shall not be paid to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the holder of Preferred Stock entitled to receive the redemption price, but will instead be paid to the holder of record <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the redeemed shares on the dividend record date relating to the applicable dividend payment date.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If any shares of Preferred Stock are to be redeemed, a notice of redemption shall be given by first class mail to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the holders of record of the Preferred Stock to be redeemed at their respective last addresses appearing on the books <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the Corporation (provided that, if the Preferred Stock is held in book-entry form through the Depository Trust <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Company (&#8220;DTC&#8221;), we may give such notice in any manner permitted by DTC). Any notice of redemption shall be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">mailed at least 30 days and no more than 60 days before the redemption date, and each notice of redemption will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">include a statement setting forth&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the redemption date (which must be a business day)&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the number of shares of the Preferred Stock to be redeemed and, if less than all the shares held by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">holder are to be redeemed, the number of shares of Preferred Stock to be redeemed from the holder&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the redemption price&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the place or places where the certificate(s) evidencing shares of Preferred Stock are to be surrendered for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 621pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">payment of the redemption price.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Any notice of redemption mailed or otherwise delivered as described above shall be conclusively presumed to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">have been duly given, whether or not any holder of the Preferred Stock receives such notice. Failure to duly give <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">notice of redemption, or any defect in such notice, to any holder of shares of Preferred Stock designated for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption shall not affect the validity of the proceedings for the redemption of any other shares of Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-26<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In case of any redemption of only part of the shares of the Preferred Stock at the time outstanding, the shares to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">be redeemed shall be selected either <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 218.42pt; position: absolute; white-space: pre;">pro rata<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.47pt; position: absolute; white-space: pre;"> or by lot.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If notice of redemption has been duly given and, if on or before the redemption date specified in such notice, we <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">have set aside all funds necessary for the redemption, separate and apart from our other assets, in trust for the <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 510.93pt; position: absolute; white-space: pre;">pro <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rata<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 88.66pt; position: absolute; white-space: pre;"> benefit of the holders of the shares of Preferred Stock called for redemption, so as to be and continue to be <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">available therefor, or deposited with a bank or trust company selected by our board of directors (or any duly <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">authorized committee thereof) (the &#8220;redemption depository&#8221;) in trust for the <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 377.72pt; position: absolute; white-space: pre;">pro rata<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 410.77pt; position: absolute; white-space: pre;"> benefit of the holders of the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares of Preferred Stock called for redemption, then, notwithstanding that any certificate for any share so called for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption has not been surrendered for cancellation, on and after the redemption date all shares of Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">called for redemption shall cease to be outstanding, all dividends with respect to such shares of Preferred Stock shall <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">cease to accrue after the redemption date, and all rights with respect to such shares shall forthwith on such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption date cease and terminate, except only the right of the holders thereof to receive the amount payable on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such redemption from the redemption depository at any time after the redemption date from the funds so deposited, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">without interest. We shall be entitled to receive, from time to time, from the redemption depository any interest <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accrued on such funds, and the holders of any shares called for redemption shall have no claim to any such interest. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Any funds so deposited and unclaimed at the end of three years from the redemption date shall, to the extent <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">permitted by law, be released or repaid to us, and in the event of such repayment, the holders of record of the shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 285pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of Preferred Stock called for redemption shall be deemed to be our unsecured creditors for payment of an amount <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">equivalent to the amount deposited as stated above for the redemption of such shares and so repaid to us, but shall in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 309pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">no event be entitled to any interest.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Under the Federal Reserve&#8217;s capital rules currently applicable to bank holding companies, any redemption of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock is subject to prior approval by the Federal Reserve. See &#8220;Risk Factors&#8212;Investors should not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 354pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">expect us to redeem the Preferred Stock on the date it becomes redeemable or on any particular date after it becomes <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redeemable.&#8221; The Certificate of Designations creating the Preferred Stock explicitly provides that any redemption of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock is subject to our receipt of any required prior approval by the Federal Reserve and to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 390pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">satisfaction of any conditions set forth in the capital guidelines or regulations of the Federal Reserve applicable to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 402pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption of the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In addition, prior to redeeming the Preferred Stock, or immediately thereafter, we must either&#58; replace the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock with an equal amount of instruments that qualify as common equity tier 1 capital or additional tier 1 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">capital&#59; or demonstrate to the satisfaction of the Federal Reserve that following redemption, Regions will continue to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">hold capital commensurate with its risk.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">See &#8220;Description of Depositary Shares&#8212;Redemption of Depositary Shares&#8221; for information about redemption <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the depositary shares relating to the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Liquidation Rights<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In the event we liquidate, dissolve or wind-up our business and affairs, either voluntarily or involuntarily, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holders of the Preferred Stock are entitled to receive a liquidating distribution of $1,000 per share (equivalent to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">$25&#160;per depositary share), plus the per share amount of any declared and unpaid dividends prior to the date of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payment of the liquidating distribution (but without any amount in respect of dividends that have not been declared <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prior to the date of payment of the liquidating distribution), after satisfaction of liabilities or obligations to creditors <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and subject to the rights of holders of any securities ranking senior to Preferred Stock with respect to distributions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">upon the voluntary or involuntary liquidation, dissolution or winding-up of our business and affairs, and before we <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">make any distribution of assets to the holders of our common stock or any other class or series of our capital stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ranking junior to the Preferred Stock with respect to distributions upon our liquidation, dissolution or winding-up. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">After payment of the full amount of the liquidating distribution described above, the holders of the Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shall not be entitled to any further participation in any distribution of our assets.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In any such distribution, if our assets or the proceeds thereof are not sufficient to pay the full liquidation <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferences (as defined below) to all holders of the Preferred Stock and all holders of liquidation parity stock (as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">defined below), if any, as to such distribution with the Preferred Stock, the amounts paid to the holders of <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-27<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.94pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock and liquidation parity stock, if any, will be paid <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 329.22pt; position: absolute; white-space: pre;">pro rata<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 362.27pt; position: absolute; white-space: pre;"> in accordance with the respective aggregate <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation preferences of the Preferred Stock and such liquidation parity stock. As used in this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement, &#8220;liquidation preference&#8221; means, with respect to any class or series of our capital stock, the amount <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">otherwise payable upon such class or series of capital stock in connection with any distribution upon our liquidation, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dissolution or winding-up (assuming no limitation on our assets available for such distribution), including an amount <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">equal to any declared but unpaid dividends (and in the case of any holder of capital stock on which dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">cumulate, an amount equal to any unpaid, accrued, cumulative dividends, whether or not declared, as applicable).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If the liquidation preference has been paid in full to all holders of Preferred Stock and liquidation parity stock, if <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any, the holders of liquidation junior stock (as defined below) shall be entitled to receive all our remaining assets or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the proceeds thereof according to their respective rights and preferences.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Our merger or consolidation with any other entity, including a merger or consolidation in which the holders of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock receive cash, securities or property for their shares, or the sale, lease or exchange of all or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">substantially all of our assets (for cash, securities or other property), shall not constitute a liquidation, dissolution or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">winding-up of our business or affairs.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As used in this prospectus supplement, &#8220;liquidation parity stock&#8221; means the Series B Preferred Stock, Series C <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock, Series D Preferred Stock, Series E Preferred Stock and any other class or series of our capital stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">now or hereafter authorized, issued or outstanding that, by its terms, expressly provides that it ranks <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 473.54pt; position: absolute; white-space: pre;">pari passu<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 515.48pt; position: absolute; white-space: pre;"> with <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock as to the payment of distributions upon our liquidation, dissolution or winding-up. As of the date <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of this prospectus supplement, liquidation parity stock includes only our Series B Preferred Stock, of which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">500,000&#160;shares are currently outstanding, Series C Preferred Stock, of which 500,000 shares are currently <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">outstanding, Series&#160;D Preferred Stock, of which 3,500 shares are currently outstanding and Series E Preferred Stock, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of which 400,000 shares are currently outstanding. We expect to use the net proceeds of the Preferred Stock offering <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to redeem all outstanding shares of the Series B Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As used in this prospectus supplement, &#8220;liquidation junior stock&#8221; means any other class or series of our capital <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock now or hereafter authorized, issued or outstanding that, by its terms, does not expressly provide that it ranks <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">pari passu<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 113.94pt; position: absolute; white-space: pre;"> with or senior to the Preferred Stock as to distributions upon our liquidation, dissolution or winding-up.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Voting Rights<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">General<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Except as provided below, the holders of the Preferred Stock will have no voting power, and no right to vote on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any matter at any time, either as a separate series or class or together with any other series or class of shares of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">capital stock, and will not be entitled to participate in meetings of holders of our common stock or to call a meeting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the holders of any one or more classes or series of our capital stock for any purpose. Each holder of Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock will have one vote per share (except as otherwise indicated below) on any matter on which holders of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock are entitled to vote.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">All voting rights conferred on the Preferred Stock shall not apply if, at or prior to the time when the act with <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">respect to which such vote would otherwise be required shall be effected, all outstanding shares of Preferred Stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">have been redeemed or called for redemption upon proper notice and sufficient funds for the redemption have been <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">set aside.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Right to Elect Two Directors upon Nonpayment<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If and when dividends on the Preferred Stock have not been declared and paid in full for at least six quarterly <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividend periods (whether or not consecutive) (a &#8220;non-payment event&#8221;), the authorized number of directors then <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">constituting our board of directors will automatically be increased by two. Holders of the Preferred Stock, together <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with the holders of all other affected classes and series of voting parity stock (as defined below), voting as a single <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">class, will be entitled to elect the two additional members of our board of directors (the &#8220;preferred stock directors&#8221;) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 690pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">at any annual or special meeting of shareholders at which directors are to be elected or any special meeting of the <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-28<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holders of the Preferred Stock and any voting parity stock for which dividends have not been paid, called as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">provided below.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">At any time after this voting power has vested as described above, our Secretary may, and upon the written <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">request of holders of record of at least 20% of the aggregate number of outstanding shares of the Preferred Stock and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">voting parity stock which then have the right to exercise voting rights similar to those described above (addressed to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Secretary at our principal office) must, call a special meeting of the holders of the Preferred Stock and voting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">parity stock for the election of the preferred stock directors. Notice for a special meeting will be given in a similar <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">manner to that provided in our Restated Bylaws for a special meeting of the shareholders, which we will provide <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">upon request, or as required by law. If our Secretary is required to call a meeting but does not do so within 20 days <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">after receipt of any such request, then any holder of shares of the Preferred Stock may (at our expense) call such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">meeting, upon notice as provided in this section, and for that purpose will have access to our stock books. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock directors elected at any such special meeting will hold office until the next annual meeting of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shareholders unless they have been previously terminated as described below. In case any vacancy occurs among the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock directors, a successor will be elected by our board of directors to serve until the next annual meeting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the shareholders upon the nomination of the then-remaining preferred stock directors or if none remains in office, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by the vote of the holders of record of a majority of the outstanding shares of the Preferred Stock and all voting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">parity stock for which dividends have not been paid, voting as a single class. Any preferred stock director may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 285pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">removed at any time without cause by the holders of record of a majority of the outstanding shares of Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 297pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock and all voting parity stock, when they have the voting rights described above (voting together as a single <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 309pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">class). The preferred stock directors shall each be entitled to one vote per director on any matter.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Whenever full dividends have been paid on the Preferred Stock for consecutive dividend periods equivalent to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 342pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">at least one year after a non-payment event, then the right of the holders of the Preferred Stock to elect the preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 354pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock directors will cease (but subject always to the same provisions for the vesting of these voting rights in the case <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 366pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of any non-payment event in respect of future dividend periods). When the rights of the Preferred Stock and any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">voting parity stock to elect preferred stock directors have all ceased, the terms of office of all preferred stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 390pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">directors will immediately terminate and the number of directors constituting our board of directors will be reduced <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 402pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accordingly.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As used in this prospectus supplement, &#8220;voting parity stock&#8221; means any and all series of dividend parity stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">having voting rights to elect directors upon the non-payment of dividends equivalent to those described above, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which includes our Series B Preferred Stock, Series C Preferred Stock, Series D Preferred Stock, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series&#160;E&#160;Preferred Stock. As of the date of this prospectus supplement, voting parity stock includes only our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Series&#160;B Preferred Stock, of which 500,000 shares are currently outstanding, Series C Preferred Stock, of which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">500,000 shares are currently outstanding, Series D Preferred Stock, of which 3,500 shares are currently outstanding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Series E Preferred Stock, of which 400,000 shares are currently outstanding. We expect to use the net proceeds <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the Preferred Stock offering to redeem all outstanding shares of the Series B Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Under regulations adopted by the Federal Reserve, if the holders of any series of preferred stock are or become <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entitled to vote for the election of directors, such series will be deemed a class of voting securities and a company <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holding 25% or more of the series, or such lower amount of the series as may be deemed (when considered together <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with any other indicia of control) to constitute a &#8220;controlling influence&#8221; over us, will be subject to regulation as a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">bank holding company under the BHC Act. In addition, at the time the series is deemed a class of voting securities, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any other bank holding company will be required to obtain the prior approval of the Federal Reserve under the BHC <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Act to acquire or retain more than 5% of that series. Any other person (other than a bank holding company) will be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">required to obtain the non-objection of the Federal Reserve under the Change in Bank Control Act of 1978, as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">amended, to acquire or retain 10% or more of that series.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 645pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Other Voting Rights<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">So long as any shares of Preferred Stock remain outstanding, in addition to any other vote or consent of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shareholders required by law or our Amended and Restated Certificate of Incorporation, the affirmative vote or <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-29<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">consent of the holders of at least two-thirds of all of the then-outstanding shares of Preferred Stock entitled to vote <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">thereon, voting separately as a single class, shall be required to&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">authorize or increase the authorized amount of, or issue shares of, any class or series of our capital stock <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ranking senior to the Preferred Stock with respect to payment of dividends or as to distributions upon our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">liquidation, dissolution or winding-up, or issue any obligation or security convertible into or evidencing the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">right to purchase any such class or series of our capital stock&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">amend the provisions of our Amended and Restated Certificate of Incorporation, including the Certificate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">of Designations creating the Preferred Stock, so as to adversely affect the special powers, preferences, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">privileges or rights of the Preferred Stock, taken as a whole&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">consummate a binding share-exchange or reclassification involving the Preferred Stock, or a merger or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">consolidation of us with or into another entity unless the shares of the Preferred Stock (i) remain <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">outstanding or (ii) are converted into or exchanged for preference securities of the surviving entity or any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">entity controlling such surviving entity and such new preference securities have terms that are not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">materially less favorable than the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">When determining the application of the supermajority voting rights described in this section, the authorization, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">creation and issuance, or an increase in the authorized or issued amount of, junior stock or any series of preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock, or any securities convertible into or exchangeable or exercisable for junior stock or any series of preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">stock, that by its terms expressly provides that it ranks <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 291.5pt; position: absolute; white-space: pre;">pari passu<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 333.44pt; position: absolute; white-space: pre;"> with the Preferred Stock with respect to the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payment of dividends (whether such dividends are cumulative or non-cumulative) and as to distributions upon our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liquidation, dissolution or winding-up shall not be deemed to adversely affect the powers, preferences, privileges or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rights, and shall not require the affirmative vote or consent of, the holders of any outstanding shares of Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Voting Rights under Delaware Law<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 402pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Delaware law provides that the holders of preferred stock will have the right to vote separately as a class on any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 414pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">amendment to our Amended and Restated Certificate of Incorporation that would increase or decrease the aggregate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 426pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">number of authorized shares of such class, increase or decrease the par value of the shares of such class, or alter or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 438pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">change the powers, preferences, or special rights of the shares of such class so as to affect them adversely. If any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such proposed amendment would alter or change the powers, preferences or special rights of one or more series of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock so as to affect them adversely, but would not so affect the entire class of preferred stock, only the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares of the series so affected shall be considered a separate class for purposes of this vote on the amendment. This <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">right is in addition to any voting rights that may be provided for in our Amended and Restated Certificate of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Incorporation or the Certificate of Designations creating the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Changes for Clarification<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We may, without the consent of the holders of Preferred Stock, amend, alter, supplement or repeal any terms of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock, so long as such action does not adversely affect the rights, preferences, privileges and voting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">powers, and limitations and restrictions thereof, (i)&#160;to cure any ambiguity, or to cure, correct or supplement any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">provision contained in the Certificate of Designations creating the Preferred Stock that may be defective or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">inconsistent or (ii)&#160;to make any provision with respect to matters or questions arising with respect to the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock that is not inconsistent with the provisions of the Certificate of Designations creating the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 621pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Registrar and Transfer Agent<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Broadridge Financial Solutions, LLC.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.23pt; position: absolute; text-decoration: none; white-space: pre;"> will be the transfer agent and the registrar for the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Depositary<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Broadridge Financial Solutions, LLC. will act as depositary for the Preferred Stock. We may, in our sole <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">discretion, remove the depositary in accordance with the agreement between us and the depositary&#59; provided that we <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 708pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">will appoint a successor depositary who will accept such appointment prior to the effectiveness of its removal.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-30<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Calculation Agent<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We will appoint a calculation agent for the Preferred Stock prior to the third business day immediately <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preceding the First Reset Date and will keep a record of such appointment at our principal executive offices, which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will be available to any shareholder upon request. We may appoint ourselves or an affiliate of ours as calculation <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">agent. We may terminate the appointment of the calculation agent and may appoint a successor agent at any time <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and from time to time, provided that we shall use our best efforts to ensure that there is, at all relevant times when <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock is outstanding, a person or entity appointed and serving as such agent.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-31<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_464" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 207.85pt; position: absolute; text-decoration: none; white-space: pre;">DESCRIPTION OF DEPOSITARY SHARES<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The following is a brief description of the material terms of the depositary shares. The following summary of the <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">terms and provision of the depositary shares does not purport to be complete in all respects, and is qualified in its <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entirety by reference to the pertinent sections of the Deposit Agreement (as defined below), the form of depositary <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receipts evidencing the depositary shares, our Amended and Restated Certificate of Incorporation, our Restated <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Bylaws, the DGCL and federal law governing bank holding companies and their subsidiaries.<font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">General<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 183pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We are issuing depositary shares representing proportional fractional interests in shares of the Preferred Stock. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 195pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Each depositary share represents a 1&#47;40th interest in a share of the Preferred Stock, and will be evidenced by a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary receipt. We will deposit the underlying shares of the Preferred Stock with the depositary pursuant to a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">deposit agreement among us, Broadridge Financial Solutions, LLC., acting as depositary, and the holders from time <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to time of the depositary receipts evidencing the depositary shares (the &#8220;Deposit Agreement&#8221;). The depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will be issued in denominations of $25.00 and integral multiples of $25.00. Subject to the terms of the Deposit <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Agreement, each holder of a depositary share will be entitled, through the depositary, in proportion to the applicable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">fraction of a share of Preferred Stock represented by such depositary share, to all the rights and preferences of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock represented thereby (including dividend, voting, redemption and liquidation rights).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In this prospectus supplement, references to &#8220;holders&#8221; of depositary shares mean those who own depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares registered in their own names on the books that we or the depositary maintain for this purpose. DTC is the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">only registered holder of the depositary receipts representing the depositary shares. References to &#8220;holders&#8221; of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares do not include indirect holders who own beneficial interests in depositary shares registered in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">street name or issued in book-entry form through DTC. Please review the special considerations that apply to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">indirect holders described in the section entitled &#8220;Book-Entry, Delivery and Form of Depositary Shares.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Immediately following the issuance of the Preferred Stock, we will deposit the Preferred Stock with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary, which will then issue the depositary shares to the underwriters.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 414pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Dividends and Other Distributions<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Each dividend payable on a depositary share will be in an amount equal to 1&#47;40th of the dividend declared and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payable on the related share of the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The depositary will distribute any cash dividends or other cash distributions received in respect of the deposited <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock to the record holders of depositary shares relating to the underlying Preferred Stock in proportion to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the number of depositary shares held by the holders. If we make a distribution other than in cash, the depositary will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">distribute any property received by it to the record holders of depositary shares entitled to those distributions, unless <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">it determines that the distribution cannot be made proportionally among those holders or that it is not feasible to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">make a distribution. In that event, the depositary may, with our approval, sell the property and distribute the net <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">proceeds from the sale to the holders of the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Record dates for the payment of dividends and other matters relating to the depositary shares will be the same as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the corresponding record dates for the Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The amounts distributed to holders of depositary shares will be reduced by any amounts required to be withheld <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by the depositary or by us on account of taxes or other governmental charges. The depositary may refuse to make <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any payment or distribution, or any transfer, exchange, or withdrawal of any depositary shares or the shares of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock until such taxes or other governmental charges are paid.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Redemption of Depositary Shares<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If we redeem the Preferred Stock represented by the depositary shares, the depositary shares will be redeemed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">from the proceeds received by the depositary resulting from the redemption of the Preferred Stock held by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary. The redemption price per depositary share is expected to be equal to 1&#47;40th of the redemption price per <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-32<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">share payable with respect to the Preferred Stock (or $25 per depositary share), plus any declared and unpaid <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividends (without accumulation of any undeclared dividends).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If we redeem shares of Preferred Stock held by the depositary, the depositary will redeem, as of the same <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption date, the number of depositary shares representing shares of Preferred Stock so redeemed. If fewer than <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">all of the outstanding depositary shares are redeemed, the depositary will select the depositary shares to be redeemed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">pro rata<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 105.05pt; position: absolute; white-space: pre;"> or by lot. The depositary will mail notice of redemption to record holders of the depositary receipts not less <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">than 10 and not more than 60 days prior to the date fixed for redemption of the Preferred Stock and the related <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Voting the Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 207pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Because each depositary share represents a 1&#47;40th interest in a share of the Preferred Stock, holders of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary receipts will be entitled to 1&#47;40th of a vote per depositary share under those limited circumstances in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which holders of the Preferred Stock are entitled to a vote.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">When the depositary receives notice of any meeting at which the holders of the Preferred Stock are entitled to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">vote, the depositary will mail the information contained in the notice to the record holders of the depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">relating to the Preferred Stock. Each record holder of the depositary shares on the record date, which will be the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">same date as the record date for the Preferred Stock, may instruct the depositary to vote the amount of the Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock represented by the holder&#8217;s depositary shares. To the extent possible, the depositary will vote the maximum <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">number of whole shares of Preferred Stock represented by depositary shares as to which any particular voting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">instructions are received in accordance with the instructions it receives. We will agree to take all reasonable actions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">that the depositary determines are necessary to enable the depositary to vote as instructed. If the depositary does not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receive specific instructions from the holders of any depositary shares representing the Preferred Stock, it will not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">vote the amount of the Preferred Stock represented by such depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Preemptive and Conversion Rights<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 402pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The holders of the depositary shares do not have any preemptive or conversion rights.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Registrar and Transfer Agent<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Broadridge Financial Solutions, LLC.<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.23pt; position: absolute; text-decoration: none; white-space: pre;"> will be the registrar and transfer agent for the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Form of Depositary Shares<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The depositary shares shall be issued in book-entry form through DTC, as described in &#8220;Book-Entry, Delivery <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Form of Depositary Shares.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Listing of Depositary Shares<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Application will be made to list the depositary shares on the NYSE under the symbol &#8220;RFPrF.&#8221; However, there <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">is no guarantee that we will be able to list the depositary shares. If approved, we expect trading of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares on the NYSE to begin within the 30-day period after the original issuance date of the depositary shares. Even <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">if the depositary shares are listed, there may be little or no secondary market for the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 597pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The Deposit Agreement<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Amendment and Termination of the Deposit Agreement<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We and the depositary may generally amend the form of depositary receipt evidencing the depositary shares and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any provision of the Deposit Agreement at any time without the consent of the holders of depositary shares. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">However, any amendment that materially and adversely alters the rights of the holders will not be effective unless <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such amendment has been approved by holders of depositary shares representing at least two-thirds of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares then outstanding.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-33<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The Deposit Agreement may be terminated by us or the depositary if&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">all outstanding depositary shares have been redeemed&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 114pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">there has been made a final distribution in respect of the Preferred Stock in connection with our liquidation, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">dissolution or winding-up, and such distribution has been distributed to the holders of depositary shares&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 147pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">there has been consent of holders of depositary shares representing not less than two-thirds of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 159pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">depositary shares outstanding.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Fees, Charges and Expenses<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We will pay all transfer and other taxes and governmental charges arising solely from the existence of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary arrangements regarding any depositary shares offered by use of this prospectus supplement. We will also <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">pay all charges of the depositary in connection with the initial deposit of the Preferred Stock and the initial issuance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the depositary shares, all withdrawals and any redemption or exchange of the Preferred Stock. All other transfer <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and other taxes and governmental charges are at the expense of holders of depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Resignation and Removal of Depositary<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The depositary may resign at any time by delivering a notice to us of its election to do so. We may remove the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary at any time by providing notice. Any such resignation or removal will take effect upon the appointment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of a successor depositary and its acceptance of such appointment. The successor depositary must, generally, be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">appointed within 60 days after delivery of the notice of resignation or removal and be a person with a principal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">office in the United States and having a combined capital and surplus (along with its affiliates) of at least $50 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">million. If a successor is not appointed within 60 days, the outgoing depositary may petition a court to do so.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Miscellaneous<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The depositary will not be liable for any delays or failures in performance of its obligations under the Deposit <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Agreement resulting from acts beyond its reasonable control. The depositary will not be obligated to appear in, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prosecute or defend any legal proceeding relating to any depositary shares or the Preferred Stock unless reasonably <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">satisfactory indemnity is furnished.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-34<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_31" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 150.95pt; position: absolute; text-decoration: none; white-space: pre;">BOOK-ENTRY, DELIVERY AND FORM OF DEPOSITARY SHARES<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The shares of Preferred Stock will be issued in uncertificated form to the depositary. The depositary shares will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">be issued under the book-entry system of DTC in the form of one or more global depositary receipts. DTC will act <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">as securities depositary for the global depositary receipts. This means that we will not issue actual depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receipts to each holder of depositary shares, except in limited circumstances. Instead, the depositary shares will be in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the form of a single global depositary receipt deposited with and held in the name of DTC, or its nominee. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares will be accepted for clearance by DTC. Beneficial interests in the depositary shares will be shown <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on, and transfers thereof will be effected only through, the book-entry records maintained by DTC and its direct and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">indirect participants, including Euroclear and Clearstream.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Owners of beneficial interests in depositary shares will receive all payments relating to their shares in U.S. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dollars. If we elect to issue certificates for the depositary shares held through DTC, we will replace the global <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary receipt with depositary receipts in certificated form registered in the names of the beneficial owners. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Once depositary receipts in certificated form are issued, the underlying shares of the Preferred Stock may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">withdrawn from the depositary arrangement upon surrender of depositary receipts at the corporate trust office of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary and upon payment of the taxes, charges, and fees provided for in the deposit agreements. Subject to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">deposit agreement, the holders of depositary receipts will receive the appropriate number of shares of Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Stock and any money or property represented by the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Only whole shares of the Preferred Stock may be withdrawn. If a holder holds an amount other than a whole <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">multiple of 100 depositary shares, the depositary will deliver, along with the withdrawn shares of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock, a new depositary receipt evidencing the excess number of depositary shares. Holders of withdrawn <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares of the Preferred Stock will not be entitled to redeposit those shares or to receive depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The laws of some jurisdictions may require that some purchasers of securities take physical delivery of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">securities in definitive form. These laws may impair the ability to transfer beneficial interests in the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares held through DTC.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">DTC has advised us that it is a limited-purpose trust company organized under the New York Banking Law, a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;banking organization&#8221;&#160;within the meaning of the New York Banking Law, a member of the Federal Reserve <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">System, a &#8220;clearing corporation&#8221;&#160;within the meaning of the New York Uniform Commercial Code and a &#8220;clearing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">agency&#8221;&#160;registered pursuant to the provisions of Section 17A of the Exchange Act. DTC holds securities deposited <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with it by its participants, and it facilitates the settlement among direct participants of sales and other securities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transactions in deposited securities, through electronic computerized book-entry transfers and pledges between <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">direct participants&#8217; accounts. This eliminates the need for physical movement of securities certificates. Direct <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">participants include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">corporations, and certain other organizations. DTC is a wholly-owned subsidiary of The Depository Trust &#38; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Clearing Corporation (&#8220;DTCC&#8221;). DTCC is the holding company for DTC, National Securities Clearing Corporation <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Fixed Income Clearing Corporation, all of which are registered clearing agencies. DTCC is owned by the users <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of its regulated subsidiaries. Access to DTC&#8217;s system is also available to others such as both U.S. and non-U.S. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">securities brokers and dealers (including agents), banks, trust companies and clearing corporations that clear through <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or maintain a custodial relationship with a direct participant, either directly or indirectly. The DTC rules applicable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to its participants are on file with the SEC.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Purchases of depositary shares under the DTC system must be made by or through direct participants, which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will receive a credit for the depositary shares on DTC&#8217;s records. The ownership interest of each beneficial owner of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares will be recorded on the direct or indirect participants&#8217; records. Beneficial owners will not receive <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">written confirmation from DTC of their purchase. Beneficial owners are, however, expected to receive written <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">confirmations providing details of the transaction, as well as periodic statements of their holdings, from the direct or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">indirect participant through which the beneficial owner entered into the transaction. Under a book-entry format, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holders may experience some delay in their receipt of payments, as such payments will be forwarded by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary to Cede &#38; Co., as nominee for DTC. DTC will forward the payments to its participants, who will then <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 690pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">forward them to indirect participants or holders. Beneficial owners of depositary shares other than DTC or its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 702pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">nominees will not be recognized by the registrar and transfer agent as registered holders of the depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-35<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">entitled to the rights of holders thereof. Beneficial owners that are not participants will be permitted to exercise their <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rights only indirectly through and according to the procedures of participants and, if applicable, indirect participants.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">To facilitate subsequent transfers, all depositary shares deposited by direct participants with DTC are registered <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in the name of DTC&#8217;s partnership nominee, Cede &#38; Co., or such other name as may be requested by an authorized <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">representative of DTC. The deposit of depositary shares with DTC and their registration in the name of Cede &#38; Co. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or such other DTC nominee do not affect any change in beneficial ownership. DTC has no knowledge of the actual <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">beneficial owners of the depositary shares&#59; DTC&#8217;s records reflect only the identity of the direct participants to whose <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accounts the depositary shares are credited, which may or may not be the beneficial owners. The direct and indirect <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">participants will remain responsible for keeping account of their holdings on behalf of their customers.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Any notices required to be delivered to you will be given by the depositary to DTC for communication to its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">participants. Conveyance of notices and other communications by DTC to direct participants, by direct participants <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to indirect participants, and by direct and indirect participants to beneficial owners will be governed by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">arrangements among them, subject to any statutory or regulatory requirements as may be in effect from time to time. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">If the depositary receipts are issued in certificated form, notices to you also will be given by mail to the addresses of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the holders as they appear on the security register.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Neither DTC nor Cede &#38; Co. (nor any other DTC nominee) will consent or vote with respect to depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares unless authorized by a direct participant in accordance with DTC&#8217;s procedures. Under its usual procedures, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">DTC mails an omnibus proxy to the issuer as soon as possible after the record date. The omnibus proxy assigns <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Cede &#38; Co.&#8217;s consenting or voting rights to those direct participants to whose accounts depositary shares are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">credited on the record date (identified in a listing attached to the omnibus proxy).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">DTC may discontinue providing its services as securities depositary with respect to the depositary shares at any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">time by giving reasonable notice to the issuer or its agent. Under these circumstances, or (i) if DTC ceases to be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">registered as a clearing agency under the Exchange Act, in the event that a successor securities depositary is not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">obtained within 90 days, or (ii) if we elect to issue certificates for the depositary shares as discussed above, we will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">print and deliver certificates for the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As long as DTC or its nominee is the registered owner of the global depositary receipts representing the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares, DTC or its nominee, as the case may be, will be considered the sole owner and holder of all global <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary receipts and all depositary shares represented by those receipts for all purposes under the instruments <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">governing the rights and obligations of holders of the depositary shares. Except in the limited circumstances referred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to above, owners of beneficial interests in the depositary shares<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 486pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">will not be entitled to have such global depositary receipts or the depositary shares represented by those <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">receipts registered in their names&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">will not receive or be entitled to receive physical delivery of securities certificates in exchange for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">beneficial interests in the global depositary receipts&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">will not be considered to be owners or holders of the global depositary receipts or the depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">represented by those receipts for any purpose under the instruments governing the rights and obligations of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">holders of the depositary shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 597pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We will make payments, including dividends, if any, on the Preferred Stock represented by global depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receipts in respect of the depositary shares to the depositary. In turn, the depositary will deliver the dividends to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 621pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">DTC or its nominee, as the case may be, as the registered holder of the depositary shares in accordance with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 633pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">arrangements then in place between the depositary and DTC. DTC&#8217;s practice is to credit direct participants&#8217; accounts <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 645pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">upon DTC&#8217;s receipt of funds and corresponding detail information from the issuer or its agent, on the payable date in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 657pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accordance with their respective holdings shown on DTC&#8217;s records. Payments by participants to beneficial owners <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 669pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will be governed by standing instructions and customary practices, as is the case with securities held for the accounts <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 681pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of customers in bearer form or registered in &#8220;street name,&#8221; and will be the responsibility of that participant and not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 693pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of DTC, the depositary, the issuer or any of their agents, subject to any statutory or regulatory requirements as may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 705pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">be in effect from time to time. Payments to Cede &#38; Co. (or such other nominee as may be requested by an <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-36<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">authorized representative of DTC) are the responsibility of the issuer or its agent, disbursement of such payments to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">direct participants will be the responsibility of DTC, and disbursement of such payments to the beneficial owners <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will be the responsibility of direct and indirect participants.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As long as the depositary shares are represented by global depositary receipts, we will make all dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payments in immediately available funds. In the event depositary receipts are issued in certificated form, dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">generally will be paid by check mailed to the holders of the depositary receipts on the applicable record date at the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">address appearing on the security register.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Ownership of beneficial interests in the depositary shares will be limited to participants or persons that may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">hold beneficial interests through institutions that have accounts with DTC or its nominee. Ownership of beneficial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">interests in the depositary shares will be shown only on, and the transfer of those ownership interests will be effected <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">only through, records maintained by DTC or its nominee, with respect to participants&#8217; interests, or any participant, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with respect to interests of persons held by the participant on their behalf. Payments, transfers, deliveries, exchanges, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and other matters relating to beneficial interests in the depositary shares may be subject to various policies and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">procedures adopted by DTC from time to time. Neither we nor any agent for us will have any responsibility or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">liability for any aspect of DTC&#8217;s or any direct or indirect participant&#8217;s records relating to, or for payments made on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">account of, beneficial interests in the depositary shares, or for maintaining, supervising or reviewing any of DTC&#8217;s <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">records or any direct or indirect participant&#8217;s records relating to these beneficial ownership interests.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Although DTC has agreed to the foregoing procedures in order to facilitate transfer of interests in the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares among participants, DTC is under no obligation to perform or continue to perform these procedures, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">these procedures may be discontinued at any time. We will not have any responsibility for the performance by DTC <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or its direct or indirect participants under the rules and procedures governing DTC.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Because DTC can act only on behalf of direct participants, who in turn act only on behalf of direct or indirect <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">participants, and certain banks, trust companies and other persons approved by it, the ability of a beneficial owner of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares to pledge the depositary shares to persons or entities that do not participate in the DTC system may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">be limited due to the unavailability of physical certificates for the Depositary Shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">DTC has advised us that it will take any action permitted to be taken by a registered holder of depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">only at the direction of one or more participants to whose accounts with DTC the depositary shares are credited.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The information in this section concerning DTC and its book-entry system has been obtained from sources that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">we believe to be accurate, but we assume no responsibility for the accuracy thereof.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Clearstream and Euroclear will hold interests on behalf of their participants through customers&#8217; securities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accounts in Clearstream&#8217;s and Euroclear&#8217;s names on the books of their respective depositaries (the &#8220;U.S. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Depositaries&#8221;), which in turn will hold interests in customers&#8217; securities accounts in the depositaries&#8217; names on the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">books of DTC.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Distributions with respect to the depositary shares held beneficially through Clearstream or Euroclear will be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">credited to cash accounts of their participants in accordance with Clearstream&#8217;s or Euroclear&#8217;s rules and procedures, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to the extent received by the applicable U.S. Depositary.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Cross-market transfers between DTC&#8217;s participating organizations, on the one hand, and Euroclear or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 597pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Clearstream participants, on the other hand, will be effected through DTC in accordance with DTC&#8217;s rules on behalf <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of Euroclear or Clearstream, as the case may be, by its U.S. Depositary&#59; however, such cross-market transactions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 621pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will require delivery of instructions to Euroclear or Clearstream, as the case may be, by the counterparty in such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 633pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">system in accordance with the rules and procedures and within the established deadlines (European time) of such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 645pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">system. Euroclear or Clearstream, as the case may be, will, if the transaction meets its settlement requirements, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 657pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">deliver instructions to its U.S. Depositary to take action to effect final settlement on its behalf by delivering or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 669pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receiving interests in the depositary shares in DTC, and making or receiving payment in accordance with normal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 681pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">procedures for same-day fund settlement applicable to DTC. Euroclear and Clearstream participants may not deliver <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 693pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">instructions directly to their respective U.S. Depositaries.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-37<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Due to time zone differences, the securities accounts of a Euroclear or Clearstream participant purchasing an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">interest in the depositary shares from a DTC participant in DTC will be credited, and any such crediting will be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">reported to the relevant Euroclear or Clearstream participant, during the securities settlement processing day (which <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">must be a business day for Euroclear or Clearstream) immediately following the settlement date of DTC. Cash <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">received in Euroclear or Clearstream as a result of sales of interests in depositary shares by or through a Euroclear or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Clearstream participant to a DTC participant will be received with value on the settlement date of DTC but will be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">available in the relevant Euroclear or Clearstream cash account only as of the business day for Euroclear or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Clearstream following DTC&#8217;s settlement date.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The information in this section concerning Euroclear and Clearstream and their book-entry systems has been <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">obtained from sources that we believe to be reliable, but we take no responsibility for the accuracy of that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">None of us, any of the underwriters or the depositary will have any responsibility for the performance by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Euroclear or Clearstream or their respective participants of their respective obligations under the rules and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">procedures governing their operations.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Although DTC, Clearstream and Euroclear have agreed to the foregoing procedures in order to facilitate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transfers of securities among participants of DTC, Clearstream and Euroclear, they are under no obligation to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">perform or continue to perform such procedures and they may discontinue the procedures at any time.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-38<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_34" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 164.27pt; position: absolute; text-decoration: none; white-space: pre;">UNITED STATES FEDERAL INCOME TAX CONSEQUENCES<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This section describes the material United States federal income tax consequences of owning the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock and the depositary shares representing shares of such Preferred Stock. When we refer to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock in this section, we mean both the Preferred Stock and the depositary shares representing shares of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The summary is limited to taxpayers who will hold the Preferred Stock as capital assets for tax purposes and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">who acquire the Preferred Stock in the initial offering at the initial offering price. This discussion addresses only <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 174pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">United States federal income taxation and does not discuss all of the tax consequences that may be relevant to you in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">light of your individual circumstances, including foreign, state or local tax consequences, estate and gift tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">consequences, and tax consequences arising under the Medicare contribution tax on net investment income or any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">alternative minimum tax. This section does not apply to you if you are a member of a class of holders subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">special rules, including&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a dealer in securities&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a trader in securities that elects to use a mark-to-market method of accounting for your securities holdings&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 285pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a bank&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">an insurance company&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a thrift institution&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a regulated investment company&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 369pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a tax-exempt organization&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 390pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a person that purchases or sells the Preferred Stock as part of a wash-sale for tax purposes&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a person that owns the Preferred Stock as part of a straddle or a hedging or conversion transaction for tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">purposes&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a United States holder (as defined below) whose functional currency for tax purposes is not the U.S. dollar&#59; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a United States expatriate.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This section is based on the Internal Revenue Code of 1986, as amended (the &#8220;Internal Revenue Code&#8221;), its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">legislative history, existing and proposed regulations, published rulings and court decisions, all as currently in effect. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">These authorities are subject to change, possibly on a retroactive basis. In addition, this section is based in part upon <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the assumption that each obligation in the Deposit Agreement and any related agreement will be performed in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accordance with its terms.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If an entity or arrangement that is treated as a partnership for United States federal income tax purposes holds <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock, the United States federal income tax treatment of a partner will generally depend on the status <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the partner and the tax treatment of the partnership. A partner in a partnership holding the Preferred Stock should <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">consult its tax advisor with regard to the United States federal income tax treatment of an investment in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">You are a United States holder if you are a beneficial owner of a share of the Preferred Stock and you are, for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">United States federal income tax purposes&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 669pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">an individual citizen or resident of the United States&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 690pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a domestic corporation (or an entity treated as a domestic corporation)&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-39<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">an estate whose income is subject to United States federal income tax regardless of its source&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a trust if a United States court can exercise primary supervision over the trust&#8217;s administration and one or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">more United States persons are authorized to control all substantial decisions of the trust.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">A non-United States holder is a beneficial owner of the Preferred Stock that is not a United States person and is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 138pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">not an entity or arrangement treated as a partnership for United States federal income tax purposes.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 159pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">You should consult a tax advisor regarding the United States federal tax consequences of acquiring, holding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 171pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and disposing of the Preferred Stock in your particular circumstances, as well as any tax consequences that may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 183pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">arise under the laws of any state, local or foreign taxing jurisdiction.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In general, and taking into account the earlier assumptions, beneficial owners of depositary shares representing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares of Preferred Stock will be treated as owners of the underlying Preferred Stock for United States federal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">income tax purposes.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">United States Holders<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This subsection summarizes the material United States federal income tax consequences of the purchase, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ownership and disposition of the Preferred Stock by a United States holder. If you are not a United States holder, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">this subsection does not apply to you and you should refer to &#8220;&#8212;Non-United States Holders&#8221; below.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Distributions on the Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Distributions with respect to our Preferred Stock will constitute dividends to the extent made out of our current <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or accumulated earnings and profits, as determined under United States federal income tax principles. If a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">distribution exceeds our current and accumulated earnings and profits, the excess will be treated as a non-taxable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">return of capital to the extent of your tax basis in our Preferred Stock and thereafter as capital gain from the sale or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">exchange of such Preferred Stock. Although we presently have current or accumulated earnings and profits, we may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">not have sufficient current or accumulated earnings and profits during future taxable years for the distributions on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">our Preferred Stock to qualify as dividends for U.S. federal income tax purposes. If you are a corporation, dividends <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">received by you will generally be eligible for the 50% dividends-received deduction if you meet certain holding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">period and other applicable requirements. If you are a noncorporate United States holder, dividends paid to you will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">qualify for the preferential tax rates applicable to &#8220;qualified dividend income&#8221; if you meet certain holding period and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other applicable requirements.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Sale or Disposition of Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you are a United States holder and you sell or otherwise dispose of your Preferred Stock (other than by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">redemption), you will generally recognize capital gain or loss for United States federal income tax purposes equal to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the difference between the amount realized upon the disposition and your adjusted tax basis in the Preferred Stock. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Capital gain of a noncorporate United States holder is generally taxed at preferential rates where the property is held <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for greater than one year. The deductibility of capital losses is subject to limitations.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Redemption of the Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If we redeem your Preferred Stock, it generally will be a taxable event. You will be treated as if you sold your <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock if the redemption&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 621pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">results in a complete termination of your stock interest in us&#59; or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in certain other limited circumstances described in the Internal Revenue Code as not essentially equivalent <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to a dividend with respect to you.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In determining whether any of these tests has been met, shares of stock considered to be owned by you by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">reason of certain constructive ownership rules set forth in Section&#160;318 of the Internal Revenue Code, as well as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares actually owned, must be taken into account under certain circumstances.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-40<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If we redeem your Preferred Stock in a redemption that meets one of the tests described above, you generally <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">will recognize taxable gain or loss equal to the sum of the amount of cash and fair market value of property (other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">than stock of us or a successor to us) received by you less your tax basis in the Preferred Stock redeemed. This gain <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or loss will be long-term capital gain or capital loss if you have held the Preferred Stock for more than one year at <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the time of the redemption.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If a redemption does not meet either of the tests described above, you generally will be taxed on the amount of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">cash and the fair market value of the property you receive as a dividend to the extent paid out of our current and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accumulated earnings and profits. Any amount in excess of our current or accumulated earnings and profits would <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">first reduce your tax basis in the Preferred Stock and thereafter would be treated as capital gain. If a redemption of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Preferred Stock is treated as a distribution that is taxable as a dividend, you should consult with your own tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">advisor regarding the allocation of your basis between the redeemed and remaining Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Non-United States Holders<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Distributions on the Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you are a Non-United States holder of our Preferred Stock, distributions made to you in respect of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 276pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred Stock (including redemption proceeds that, as discussed below, are treated as distributions for tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">purposes) will generally be treated as a dividend to the extent of our current or accumulated earnings and profits, as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">determined under United States federal income tax principles. Any portion of a distribution that exceeds our current <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and accumulated earnings and profits will generally be treated first as a tax-free return of capital, on a share-by-share <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">basis, to the extent of your tax basis in our Preferred Stock (and will reduce your basis in such Preferred Stock), and, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to the extent such portion exceeds your tax basis in our Preferred Stock, the excess will be treated as gain from the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">taxable disposition of the Preferred Stock, the tax treatment of which is discussed below under &#8220;&#8212;Gain on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Disposition of the Preferred Stock&#8221;.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Except as described below, if you are a Non-United States holder of Preferred Stock, dividends paid to you are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subject to withholding of United States federal income tax at a 30% rate or at a lower rate if you are eligible for the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">benefits of an income tax treaty that provides for a lower rate. Even if you are eligible for a lower treaty rate, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">withholding will generally be required at a 30% rate (rather than the lower treaty rate) on dividend payments to you, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">unless you have furnished to the applicable withholding agent&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a valid Internal Revenue Service Form W-8BEN or W-8BEN-E, as applicable, or an acceptable substitute <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">form upon which you certify, under penalties of perjury, your status as a person who is not a United States <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">person and your entitlement to the lower treaty rate with respect to such payments, or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in the case of payments made outside the United States to an offshore account (generally, an account <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">maintained by you at an office or branch of a bank or other financial institution at any location outside the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">United States), other documentary evidence establishing your entitlement to the lower treaty rate in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">accordance with United States Treasury Department regulations.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you hold the Preferred Stock through an intermediary financial institution, then the intermediary would <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">generally be required to submit an additional certification in order for you to be eligible for a lower treaty rate.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you are eligible for a reduced rate of United States withholding tax under a tax treaty, you may obtain a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 597pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">refund of any amounts withheld in excess of that rate by filing a refund claim with the Internal Revenue Service <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(&#8220;IRS&#8221;).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If dividends paid to you are &#8220;effectively connected&#8221; with your conduct of a trade or business within the United <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">States, and, if required by an applicable tax treaty, the dividends are attributable to a permanent establishment that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">you maintain in the United States, the withholding tax described above with respect to the dividends generally is not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">required, provided that you have furnished to the applicable withholding agent a valid Internal Revenue Service <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Form W-8ECI or an acceptable substitute form upon which you certify, under penalties of perjury, that&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">you are a non-United States person&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-41<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the dividends are effectively connected with your conduct of a trade or business within the United States <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and are includible in your gross income.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">&#8220;Effectively connected&#8221; dividends are taxed on a net income basis at rates applicable to United States holders.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you are a corporate Non-United States holder, &#8220;effectively connected&#8221; dividends that you receive may, under <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 138pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">certain circumstances, be subject to an additional &#8220;branch profits tax&#8221; at a 30% rate or at a lower rate if you are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 150pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">eligible for the benefits of an income tax treaty that provides for a lower rate.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 171pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Gain on Disposition of the Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you are a Non-United States holder, you generally will not be subject to United States federal income tax on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">gain that you recognize on a disposition of the Preferred Stock unless&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the gain is &#8220;effectively connected&#8221; with your conduct of a trade or business in the United States, and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">gain is attributable to a permanent establishment that you maintain in the United States, if that is required <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">by an applicable income tax treaty as a condition for subjecting you to United States taxation on a net <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">income basis&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">you are an individual, you are present in the United States for 183 or more days in the taxable year of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">disposition and certain other conditions exist&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">we are or have been a United States real property holding corporation (as described below), at any time <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">within the five-year period preceding the disposition or your holding period, whichever period is shorter, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">you are not eligible for a treaty exemption, and either (i) our Preferred Stock is not regularly traded on an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">established securities market during the calendar year in which the sale or disposition occurs or (ii) you <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">owned or are deemed to have owned, at any time within the five-year period preceding the disposition or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">your holding period, whichever period is shorter, more than 5% of our Preferred Stock.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">If you are a Non-United States holder and the gain from the taxable disposition of our Preferred Stock is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">effectively connected with your conduct of a trade or business in the United States (and, if required by a tax treaty, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the gain is attributable to a permanent establishment that you maintain in the United States), you will be subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">tax on the net gain derived from the sale at rates applicable to United States holders. If you are a corporate Non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">United States holder, &#8220;effectively connected&#8221; gains that you recognize may also, under certain circumstances, be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subject to an additional &#8220;branch profits tax&#8221; at a 30% rate or at a lower rate if you are eligible for the benefits of an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">income tax treaty that provides for a lower rate. If you are an individual non-United States holder described in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">second bullet point immediately above, you will be subject to a flat 30% tax, or a lower rate if you are eligible for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the benefits of an income tax treaty that provides for a lower rate, on the gain derived from the sale, which may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">offset by United States source capital losses, even though you are not considered a resident of the United States.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We will be a United States real property holding corporation at any time that the fair market value of our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;United States real property interests,&#8221; as defined in the Code and applicable Treasury regulations, equals or exceeds <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">50% of the aggregate fair market value of our worldwide real property interests and our other assets used or held for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">use in a trade or business (all as determined for the U.S. federal income tax purposes). We believe that we are not, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and do not anticipate becoming in the foreseeable future, a United States real property holding corporation. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">As discussed above in &#8220;United Holders&#8212;Redemption of the Preferred Stock&#8221;, certain redemptions of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Preferred&#160;Stock may be treated as distributions on the Preferred Stock, which may be treated as dividends, for U.S. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">federal income tax purposes. See &#8220;&#8212;Distributions on the Preferred Stock&#8221;, above, for a discussion of the tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">treatment of such redemptions. Furthermore, if a withholding agent is unable to determine whether the redemption <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">should be treated as a distribution on the Preferred Stock, such paying agent may be required to withhold tax at a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">30% rate on the full amount you receive (in which case, you may be eligible to obtain a refund of all or a portion of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any tax).<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-42<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">FATCA Withholding<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Pursuant to sections 1471 through 1474 of the Code, commonly known as the Foreign Account Tax Compliance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Act (&#8220;FATCA&#8221;), a 30% withholding tax (&#8220;FATCA withholding&#8221;) may be imposed on certain payments to you or to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">certain foreign financial institutions, investment funds and other non-United States persons receiving payments on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">your behalf if you or such persons fail to comply with certain information reporting requirements. Payments of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">dividends that you receive in respect of Preferred Stock could be affected by this withholding if you are subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the FATCA information reporting requirements and fail to comply with them or if you hold Preferred Stock through <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">a non-United States person (e.g., a foreign bank or broker) that fails to comply with these requirements (even if <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">payments to you would not otherwise have been subject to FATCA withholding). These requirements may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">modified by the adoption or implementation of an intergovernmental agreement between the United States and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">another country or by future U.S. Treasury Regulations. Documentation that you provide in order to be treated as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">FATCA compliant may be reported to the IRS and other tax authorities including information about a holder&#8217;s <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">identity, its FATCA status, and if applicable, its direct and indirect U.S. owners. You should consult your own tax <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">advisors regarding the relevant United States law and other official guidance on FATCA withholding.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Backup Withholding and Information Reporting<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">If you are a noncorporate United States holder, information reporting requirements, on IRS Form 1099, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">generally will apply to dividend payments or other taxable distributions on your Preferred Stock made to you in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">United States, and the payment of the proceeds to you from the sale of your Preferred Stock effected at a United <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">States office of a broker. Additionally, backup withholding may apply to such payments if you are a noncorporate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">United States holder and you fail to comply with applicable certification requirements or (in the case of dividend <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">payments) are notified by the IRS that you have failed to report all interest and dividends required to be shown on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">your federal income tax returns.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">If you are a Non-United States holder, payments of dividends to you are required to be reported on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">IRS&#160;Form&#160;1042-S even if the payments are exempt from withholding. You are otherwise generally exempt from <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">backup withholding and information reporting requirements with respect to dividend payments and the payment of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the proceeds from the sale of Preferred Stock effected at a United States office of a broker provided that either (i) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">you have furnished a valid IRS Form W-8 or other documentation upon which the payor or broker may rely to treat <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the payments as made to a non-United States person, or (ii) you otherwise establish an exemption.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Payment of the proceeds from the sale of Preferred Stock effected at a foreign office of a broker generally will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">not be subject to information reporting or backup withholding. However, a sale effected at a foreign office of a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">broker could be subject to information reporting in the same manner as a sale within the United States (and in certain <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">cases may be subject to backup withholding as well) if (i) the broker has certain connections to the United States, (ii) <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the proceeds or confirmation are sent to the United States or (iii) the sale has certain other specified connections with <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the United States. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">You generally may obtain a refund of any amounts withheld under the backup withholding rules that exceed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">your income tax liability by filing a refund claim with the IRS.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-43<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_471" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 180.81pt; position: absolute; text-decoration: none; white-space: pre;">EMPLOYEE RETIREMENT INCOME SECURITY ACT<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Fiduciaries or other persons considering purchasing the depositary shares on behalf of or with the assets of a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">pension, profit-sharing or other employee benefit plan subject to the U.S. Employee Retirement Income Security Act <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of 1974, as amended (&#8220;ERISA&#8221;), a plan or individual retirement account (&#8220;IRA&#8221;) or other arrangement which is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subject to Section 4975 of the Code, or any entity the assets of which are &#8220;plan assets&#8221; under ERISA (each, a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">&#8220;Plan&#8221;), should consider the fiduciary standards of ERISA in the context of the Plan&#8217;s particular circumstances <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">before authorizing an investment in the depositary shares. Among other factors, such fiduciaries or other persons <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">should consider whether the investment would satisfy the prudence and diversification requirements of ERISA, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">would meet the Plan&#8217;s liquidity requirements, would be consistent with the documents and instruments governing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Plan, and whether the investment could constitute a prohibited transaction under ERISA or the Code.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Section 406 of ERISA and Section 4975 of the Code prohibit a Plan from engaging in certain transactions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">involving &#8220;plan assets&#8221; with persons who are &#8220;parties in interest&#8221; under ERISA or &#8220;disqualified persons&#8221; under the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Code with respect to such Plan. A violation of these prohibited transaction rules may result in an excise tax under <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Code or penalties or other liabilities under ERISA or the Code for those persons, unless exemptive relief is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">available under an applicable statutory, regulatory or administrative exemption. Employee benefit plans that are <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">governmental plans (as defined in Section 3(32) of ERISA), certain church plans (as defined in Section 3(33) of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ERISA) and non-U.S. plans (as described in Section 4(b)(4) of ERISA) (&#8220;Non-ERISA Arrangements&#8221;) are not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subject to the requirements of Section 406 of ERISA or Section 4975 of the Code but may be subject to federal, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">state, local, non-U.S. or other laws that are similar to ERISA and&#47;or the Code (&#8220;Similar Laws&#8221;).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The acquisition or disposition of the depositary shares by a Plan with respect to which Regions, the underwriters <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or any of our or their affiliates (the &#8220;Transaction Parties&#8221;) is or becomes a party in interest or disqualified person <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">may result in a non-exempt prohibited transaction under ERISA or Section 4975 of the Code, unless the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares are acquired pursuant to an applicable exemption or there is some other basis on which the acquisition and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">disposition of the depositary shares will not constitute a non-exempt prohibited transaction under ERISA or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Section&#160;4975 of the Code and is not prohibited under applicable Similar Laws. The U.S. Department of Labor <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(&#8220;DOL&#8221;) has issued several prohibited transaction class exemptions, or &#8220;PTCEs&#8221;, that may provide exemptive relief <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">if required for direct or indirect prohibited transactions that may arise from the acquisition of the depositary shares. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">These exemptions include PTCE 84-14, as amended (for certain transactions effected by independent qualified <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">professional asset managers), PTCE 90-1 (for certain transactions involving insurance company pooled separate <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accounts), PTCE 91-38 (for certain transactions involving bank collective investment funds), PTCE 95-60 (for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transactions involving certain insurance company general accounts), and PTCE 96-23, as amended (for transactions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">effected by in-house asset managers). In addition, ERISA Section 408(b)(17) and Section 4975(d)(20) of the Code <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">may provide a limited exemption for the purchase and sale of the depositary shares, provided that none of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Transaction Parties have or exercise any discretionary authority or control or render any investment advice with <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">respect to the assets of any Plan involved in the transaction, and provided further that the Plan pays no more and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 519pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receives no less than &#8220;adequate consideration&#8221; in connection with the transaction (the so-called &#8220;service provider <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 531pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">exemption&#8221;). There can be no assurance, however, that all of the conditions of any of these statutory or class <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 543pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">exemptions will be satisfied in connection with transactions involving the shares.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Furthermore, any fiduciary or other person considering purchasing depositary shares on behalf of or with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">assets of a Plan should also take into account the fact that the Transaction Parties will not have any direct fiduciary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">relationship with or duty to any purchaser or holder of shares, either with respect to such purchaser or holder&#8217;s <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">investment in the shares or with respect to the management of the Transaction Parties. Similarly, it is intended that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the Transaction Parties will not be subject to any fiduciary or investment restrictions that may exist under laws <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">specifically applicable to any Plans.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 645pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Any purchaser or holder of the depositary shares or any interest therein will be deemed to have represented by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 657pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">its purchase of the depositary shares or any interest therein that it either (1) is not a Plan or a Non-ERISA <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 669pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Arrangement and is not purchasing the depositary shares on behalf of or with the assets of any Plan or Non-ERISA <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 681pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Arrangement or (2) its acquisition and disposition of the depositary shares will not result in a non-exempt prohibited <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 693pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">transaction under ERISA of Section 4975 of the Code or a similar violation under any applicable Similar Laws. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 705pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Neither this discussion nor anything in this prospectus supplement is or is intended to be investment advice directed <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-44<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">at any potential purchaser that is a Plan or Non-ERISA Arrangement, or at such purchasers generally, and such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">purchasers should consult and rely on their counsel and advisors as to whether an investment in the depositary shares <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">is suitable and consistent with ERISA, the Code and any Similar Laws, as applicable.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Due to the complexity of these rules and the penalties that may be imposed upon persons involved in non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">exempt prohibited transactions, it is important that fiduciaries or other persons considering purchasing the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares on behalf of or with the assets of any Plan or Non-ERISA Arrangement consult with their counsel regarding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the potential consequences of any purchase under ERISA and&#47;or Similar Laws, as applicable, and whether a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prohibited transaction exemption, or similar relief under Similar Laws, is available. Purchasers of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares have the sole and exclusive responsibility for ensuring that their purchase and disposition of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares complies with the fiduciary responsibility rules of ERISA and does not violate the prohibited transaction rules <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of ERISA or the Code (or, in the case of a Non-ERISA Arrangement, any Similar Laws). The sale of any depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares to a Plan or Non-ERISA Arrangement is in no respect a representation by the Transaction Parties or their <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 225pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">representatives that such an investment meets all relevant legal requirements with respect to investments by any such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 237pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Plans or Non-ERISA Arrangements generally or any particular Plan or Non-ERISA Arrangement or that such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 249pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">investment is appropriate for such Plans or Non-ERISA Arrangements generally or any particular Plan or Non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ERISA Arrangement.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-45<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_40" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 196.47pt; position: absolute; text-decoration: none; white-space: pre;">UNDERWRITING (CONFLICTS OF INTEREST)<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We are offering the depositary shares described in this prospectus supplement through a number of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriters. We have entered into an underwriting agreement with the underwriters listed below for whom <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Morgan&#160;Stanley &#38; Co. LLC, BofA Securities, Inc., Goldman Sachs &#38; Co. LLC, J.P. Morgan Securities LLC, RBC <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Capital Markets, LLC and Regions Securities LLC are acting as representatives. Subject to the terms and conditions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the underwriting agreement, we have agreed to sell to the underwriters, and each underwriter has severally agreed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to purchase, at the public offering price less the underwriting discounts set forth on the cover page of this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement, the number of depositary shares listed next to its name below&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 186pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 399.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 27.75pt;"><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 27.75pt; left: 0pt; position: absolute; top: 0pt; width: 399.75pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 19.12pt; width: 399.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 27.75pt; left: 402.75pt; position: absolute; top: 0pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.12pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 14.09pt; position: absolute; text-decoration: none; white-space: pre;">Number of <font style="display: inline-block; height: 5.41pt;"></font></font></div><div style="line-height: 5.41pt; position: absolute; top: 11.12pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 13.97pt; position: absolute; text-decoration: none; white-space: pre;">Depositary <font style="display: inline-block; height: 5.41pt;"></font></font></div><div style="line-height: 5.41pt; position: absolute; top: 19.12pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 21.08pt; position: absolute; text-decoration: none; white-space: pre;">Shares<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 27.75pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Morgan Stanley &#38; Co. LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 27.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 18.54pt;"></font></font><font style="left: 21.169999999999998pt; position: absolute;">3,200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 42pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">BofA Securities, Inc.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 42pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 18.54pt;"></font></font><font style="left: 21.169999999999998pt; position: absolute;">3,200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 56.25pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Goldman Sachs &#38; Co. LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 56.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 18.54pt;"></font></font><font style="left: 21.169999999999998pt; position: absolute;">3,200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 70.5pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">J.P. Morgan Securities LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 70.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 18.54pt;"></font></font><font style="left: 21.169999999999998pt; position: absolute;">3,200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 84.75pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">RBC Capital Markets, LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 84.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 18.54pt;"></font></font><font style="left: 21.169999999999998pt; position: absolute;">3,200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 99pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 99pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 18.54pt;"></font></font><font style="left: 21.169999999999998pt; position: absolute;">3,200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 113.25pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Academy Securities, Inc.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 127.5pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Blaylock Van, LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 141.75pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Samuel A. Ramirez &#38; Company, Inc.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 156pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">R. Seelaus &#38; Co., LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #ffffff; border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 156pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 28.669999999999998pt; position: absolute;">200,000<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 170.25pt; width: 399.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 399.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #cceeff; border-bottom: 3pt double #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 17.62pt; position: absolute; text-decoration: none; white-space: pre;">20,000,000<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 6.93pt; position: absolute; top: 384.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The underwriters are committed to take and pay for all of the depositary shares being offered, if any are taken. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">The underwriting agreement also provides that if an underwriter defaults, the purchase commitments of non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">defaulting underwriters may also be increased or the offering may be terminated. The offering of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares by the underwriters is subject to receipt and acceptance and subject to the underwriters&#8217; right to reject any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">order in whole or in part.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The underwriters propose to offer the depositary shares directly to the public at the initial public offering price <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">set forth on the cover page of this prospectus supplement and to certain dealers at that price less a concession not in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">excess of $0.1500&#160;per depositary share sold to institutional investors and $0.5000&#160;per depositary share sold to retail <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">investors. Any such dealers may resell depositary shares to certain other brokers or dealers at a discount of up to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">$0.4500&#160;per depositary share from the initial public offering price per depositary share sold to retail investors. After <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the initial public offering of the depositary shares, the offering price and other selling terms may be changed by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriters. Sales of depositary shares made outside of the U.S. may be made by affiliates of the underwriters.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 546.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The underwriting fee is equal to the public offering price per depositary share less the amount paid by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriters to us per depositary share. The following table shows the per depositary share and total underwriting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">discounts to be paid to the underwriters.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 591.5pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 402.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 65.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 20.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 20.25pt; left: 402.75pt; position: absolute; top: 0pt; width: 65.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.62pt; width: 65.25pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 9.32pt; position: absolute; text-decoration: none; white-space: pre;">Underwriting <font style="display: inline-block; height: 5.41pt;"></font></font></div><div style="line-height: 5.41pt; position: absolute; top: 11.62pt; width: 65.25pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 23.6pt; position: absolute; text-decoration: none; white-space: pre;">Fee<font style="display: inline-block; height: 5.41pt;"></font></font><font style="font-family: Times New Roman; font-size: 5.2pt; font-style: normal; font-weight: bold; left: 35.58pt; position: absolute; text-decoration: none; top: -1.8935pt; vertical-align: super; white-space: pre;">(1)<font style="display: inline-block; height: 3.5165pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #cceeff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 20.25pt; width: 402.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 402.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Per Depositary Share<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #cceeff; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 20.25pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 26.04pt;"></font></font><font style="left: 33.67pt; position: absolute;">0.4929<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 34.5pt; width: 402.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 402.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 402.75pt; position: absolute; top: 34.5pt; width: 65.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 65.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;">$<font style="display: inline-block; height: 6.93pt; width: 1.04pt;"></font></font><font style="left: 8.67pt; position: absolute;">9,859,000.00<font style="display: inline-block; height: 6.93pt; width: 3.33pt;"></font></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 5.54pt; position: absolute; top: 645.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">__________________<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 654.85pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(1)<font style="display: inline-block; height: 5.54pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Reflects&#160;10,960,000 depositary shares sold to institutional investors, for which the underwriters received an underwriting discount of <font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 664.45pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">$0.2500&#160;per depositary share, and&#160;9,040,000 depositary shares sold to retail investors, for which the underwriters received an underwriting <font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 5.54pt; position: absolute; top: 674.05pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">discount of $0.7875&#160;per depositary share.<font style="display: inline-block; height: 5.54pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 692.65pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In connection with the offering, the underwriters may purchase and sell depositary shares in the open market. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 704.65pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">These transactions may include short sales, stabilizing transactions and purchases to cover positions created by short <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-46<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">sales. Short sales involve the sale by the underwriters of a greater number of depositary shares than they are required <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to purchase in the offering. The underwriters must close out any short position by purchasing depositary shares in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the open market. A short position is more likely to be created if the underwriters are concerned that there may be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">downward pressure on the price of the depositary shares in the open market after pricing that could adversely affect <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">investors who purchase in the offering. Stabilizing transactions consist of various bids for or purchases of depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares made by the underwriters in the open market prior to the completion of the offering.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The underwriters may also impose a penalty bid. This occurs when a particular underwriter repays to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriters a portion of the underwriting discount received by it because the representatives have repurchased <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares sold by or for the account of such underwriter in stabilizing or short covering transactions.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Purchases to cover a short position and stabilizing transactions, as well as other purchases by the underwriters <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for their own accounts, may have the effect of preventing or lessening a decline in the market price of the depositary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shares, and together with the imposition of the penalty bid, may stabilize, maintain or otherwise affect the market <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">price of the depositary shares. As a result, the price of the depositary shares may be higher than the price that <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">otherwise might exist in the open market. The underwriters are not required to engage in these activities, and any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">such activity may begin on or after the date on which adequate public disclosure of the terms of the offer of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares is made. If these activities are commenced, they may be discontinued at any time, but, in the case <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of any depositary shares traded in the EEA or the United Kingdom, such activities must end no later than the earlier <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of 30 calendar days after the issue date of the depositary shares and 60 days after the date of the allotment of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares. Any such activities must be conducted by the underwriters (or persons acting on behalf of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriters) in accordance with the applicable laws and rules. These transactions may be effected on the NYSE, in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 330pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the over-the-counter market or otherwise.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We have agreed with the underwriters not to offer, sell, contract to sell, pledge, grant any option to purchase, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 363pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">make any short sale or otherwise dispose of, any of our securities substantially similar to the Preferred Stock or the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 375pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">related depositary shares, including any options or warrants to purchase shares of Preferred Stock or securities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 387pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">convertible into or exchangeable for shares of Preferred Stock, during the period from the date of this prospectus <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">supplement continuing through the date 30 days after the date of this prospectus supplement (the &#8220;lock-up period&#8221;), <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">except with the prior written consent of the representatives.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We estimate that our share of the total expenses of the offering, excluding the underwriting discounts, will be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">approximately $1,700,000.00.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We have agreed to indemnify the several underwriters against certain liabilities, including certain liabilities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">under the Securities Act of 1933, as amended.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 498pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The underwriters and their respective affiliates are full service financial institutions engaged in various <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">activities, which may include securities trading, commercial and investment banking, financial advisory, investment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 522pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">management, investment research, principal investment, hedging, financing and brokerage activities.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 543pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Certain of the underwriters and their respective affiliates have, from time to time, performed, and may in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 555pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">future perform, various financial advisory and investment banking services for us, for which they received or will <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 567pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">receive customary fees and expenses.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">In the ordinary course of their various business activities, the underwriters and their respective affiliates may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">make or hold a broad array of investments, including serving as counterparties to certain derivative and hedging <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">arrangements, and actively trade debt and equity securities (or related derivative securities) and financial instruments <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(including bank loans) for their own account and for the accounts of their customers, and such investment and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">securities activities may involve securities or instruments of the issuer. Such investment and securities activities may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">have involved, and in the future may involve, our securities and instruments. If any of the underwriters or their <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">affiliates has a lending relationship with Regions, certain of those underwriters or their affiliates may hedge their <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">credit exposure to us consistent with their customary risk management policies. Typically, such underwriters and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">their affiliates would hedge such exposure by entering into transactions which consist of either the purchase of credit <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">default swaps or the creation of short positions in our securities. The underwriters and their respective affiliates may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 708pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">also make investment recommendations or publish or express independent research views in respect of such <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-47<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">securities or instruments and may at any time hold, or recommend to clients that they acquire, long or short positions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in such securities and instruments.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">The underwriters expect to deliver the Depositary Shares in book-entry form only through the facilities of The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.94pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Depository Trust Company for the accounts of its participants, including Clearstream Banking, <font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: normal; left: 454.36pt; position: absolute; text-decoration: none; white-space: pre;">soci&#233;t&#233; anonyme<font style="display: inline-block; height: 6.94pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 520.6600000000001pt; position: absolute; text-decoration: none; white-space: pre;">, <font style="display: inline-block; height: 6.94pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and Euroclear Bank S.A.&#47;N.V., against payment in New York, New York on or about July&#160;29, 2024, the fifth <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">business day following the date of the prospectus supplement, or &#8220;T+5&#8221;. Trades of securities in the secondary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">market generally are required to settle in one business day, referred to as T+1, unless the parties to a trade agree <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">otherwise. Accordingly, by virtue of the fact that the initial delivery of the Depositary Shares will not be made on a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">T+1 basis, investors who wish to trade the Depositary Shares more than one business day prior to the settlement date <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">may be required to specify an alternative settlement cycle at the time of any such trade to prevent a failed settlement.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Conflicts of Interest<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Our affiliate, Regions Securities LLC, is a member of FINRA, and is participating in the distribution of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares in this offering and is deemed to have a &#8220;conflict of interest&#8221; under FINRA Rule 5121. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Accordingly, the distribution arrangements for this offering comply with the requirements of FINRA Rule 5121. No <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">FINRA member firm that has a conflict of interest under Rule 5121 may make sales in this offering to any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">discretionary account without the prior approval of the customer.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Additionally, our affiliates, including Regions Securities LLC, may use this prospectus supplement and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accompanying prospectus in connection with offers and sales of the depositary shares in the secondary market. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">These affiliates may act as principal or agent in those transactions. Secondary market sales will be made at prices <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">related to market prices at the time of sale.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 357pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Selling Restrictions<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Canada<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 399pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">The depositary shares may be sold in Canada only to purchasers purchasing, or deemed to be purchasing, as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 411pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">principal that are accredited investors, as defined in National Instrument 45-106 Prospectus Exemptions or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 423pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">subsection 73.3(1) of the Securities Act (Ontario), and are permitted clients, as defined in National <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 435pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Instrument&#160;31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations. Any resale of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">depositary shares must be made in accordance with an exemption from, or in a transaction not subject to, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 459pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">prospectus requirements of applicable securities laws.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Securities legislation in certain provinces or territories of Canada may provide a purchaser with remedies for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">rescission or damages if this prospectus supplement and the accompanying prospectus (including any amendment <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 504pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">thereto) contains a misrepresentation, provided that the remedies for rescission or damages are exercised by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">purchaser within the time limit prescribed by the securities legislation of the purchaser&#8217;s province or territory. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">purchaser should refer to any applicable provisions of the securities legislation of the purchaser&#8217;s province or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">territory for particulars of these rights or consult with a legal advisor.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Pursuant to section 3A.3 of National Instrument 33-105 Underwriting Conflicts (NI 33-105), the underwriters <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">are not required to comply with the disclosure requirements of NI 33-105 regarding underwriter conflicts of interest <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">in connection with this offering.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Prohibition of Sales to EEA and United Kingdom Retail Investors<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Each underwriter has represented, warranted and agreed that it has not offered, sold or otherwise made available <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and will not offer, sell or otherwise make available any depositary shares which are the subject of the offering <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">contemplated by this prospectus supplement to any EEA retail investor or UK retail investor. For the purposes of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">this provision, the expression &#8220;retail investor&#8221; means a person who is one (or more) of the following&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a retail client as defined in point (11) of Article 4(1) of Article 4(1) of MiFID II&#59; <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-48<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a customer within the meaning of the Insurance Distribution Directive, where that customer would not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II&#59; or<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">not a qualified investor as defined in the Prospectus Regulation. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 126pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">For the purposes of this provision, the expression &#8220;UK retail investor&#8221; means a person who is one (or more) of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 138pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the following&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 159pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017&#47;565 as it forms part of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 171pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">domestic law by virtue of the European Union (Withdrawal) Act 2018 (&#8220;EUWA&#8221;)&#59; <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;"> a customer within the meaning of the provisions of the Financial Services and Markets Act 2000 (as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 204pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">amended, the &#8220;FSMA&#8221;) and any rules or regulations made under the FSMA to implement the Insurance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Distribution Directive, where that customer would not qualify as a professional client, as defined in point <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(8) of Article 2(1) of Regulation (EU) No 600&#47;2014 as it forms part of domestic law by virtue of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">EUWA&#59; or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">not a qualified investor as defined in Article 2 of the Prospectus Regulation as it forms part of domestic law <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 273pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">by virtue of the EUWA (the &#8220;UK Prospectus Regulation&#8221;).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">The expression &#8220;offer&#8221; includes the communication in any form and by any means of sufficient information on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 306pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the terms of the offer and the depositary shares to be offered so as to enable an investor to decide to purchase or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">subscribe such depositary shares. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">United Kingdom<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Each underwriter has represented, warranted and agreed that&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">it has only communicated or caused to be communicated and will only communicate or cause to be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">communicated an invitation or inducement to engage in investment activity (within the meaning of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Section&#160;21 of FSMA) in connection with the issue and sale of such depository shares in circumstances in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which Section 21(1) of FSMA does not apply to us&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 438pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">it has complied and will comply with all applicable provisions of FSMA with respect to anything done by it <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in relation to the depositary shares in, from or otherwise involving the United Kingdom.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Hong Kong<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Each underwriter has represented and agreed that&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">it has not offered or sold and will not offer or sell in Hong Kong, by means of any document, any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">depositary shares other than (i) to &#8220;professional investors&#8221; as defined in the Securities and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Futures&#160;Ordinance (Cap. 571) of Hong Kong and any rules made under that Ordinance&#59; or (ii) in other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">circumstances which do not result in the document being a &#8220;prospectus&#8221; as defined in the Companies <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(Winding Up and Miscellaneous Provisions) Ordinance (Cap. 32) of Hong Kong or which do not constitute <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">an offer to the public within the meaning of that Ordinance&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">it has not issued or had in its possession for the purposes of issue, and will not issue or have in its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">possession for the purposes of issue, whether in Hong Kong or elsewhere, any advertisement, invitation or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">document relating to the depositary shares, which is directed at, or the contents of which are likely to be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">accessed or read by, the public of Hong Kong (except if permitted to do so under the securities laws of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Hong Kong) other than with respect to depositary shares which are or are intended to be disposed of only to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 654pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">persons outside Hong Kong or only to &#8220;professional investors&#8221; as defined in the Securities and Futures <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 666pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Ordinance and any rules made under that Ordinance.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-49<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Japan<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The depositary shares have not been and will not be registered under the Financial Instruments and Exchange <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Law of Japan (Act No. 25 of 1948 as amended, the &#8220;Financial Instruments and Exchange Law&#8221;) and each <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">underwriter has represented and agreed that it has not offered or sold, and will not offer or sell any securities, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">directly or indirectly, in Japan or to, or for the benefit of, any resident of Japan (as defined under Item 5, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Paragraph&#160;1, Article 6 of the Foreign Exchange and Foreign Trade Act (Act No. 228 of 1949, as amended), or to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">others for re-offering or resale, directly or indirectly, in Japan or to, or for the benefit of, a resident of Japan, in each <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">case except pursuant to an exemption from the registration requirements of, and otherwise in compliance with, the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Financial Instruments and Exchange Law and any other applicable laws, regulations and ministerial guidelines of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Japan.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 210pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Singapore<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This prospectus supplement and the accompanying prospectus have not been registered as a prospectus with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Monetary Authority of Singapore. Accordingly, this prospectus supplement, the accompanying prospectus and any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other document or material in connection with the offer or sale, or invitation for subscription or purchase, of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares may not be circulated or distributed, nor may the depositary shares be offered or sold, or be made <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the subject of an invitation for subscription or purchase, whether directly or indirectly, to persons in Singapore other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 291pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">than (i) to an institutional investor (as defined in Section 4A of the Securities and Futures Act, Chapter 289 of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Singapore (the &#8220;SFA&#8221;)) under Section 274 of the SFA, (ii) to a relevant person (as defined in Section 275(2) of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">SFA) pursuant to Section 275(1) of the SFA, or any person pursuant to Section 275 (1A) of the SFA, and in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 327pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">accordance with the conditions specified in Section 275 of the SFA or (iii) otherwise pursuant to, and in accordance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 339pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with the conditions of, any other applicable provision of the SFA, in each case subject to conditions set forth in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 351pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">SFA.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Where the depositary shares are subscribed or purchased under Section 275 of the SFA by a relevant person <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which is a corporation (which is not an accredited investor (as defined in Section 4A of the SFA)) the sole business <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of which is to hold investments and the entire share capital of which is owned by one or more individuals, each of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">whom is an accredited investor, the securities (as defined in Section 239(1) of the SFA) of that corporation shall not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">be transferable for six months after that corporation has acquired the depositary shares under Section 275 of the SFA <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">except&#58; (1) to an institutional investor under Section 274 of the SFA or to a relevant person (as defined in Section <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">275(2) of the SFA), (2) where such transfer arises from an offer in that corporation&#8217;s securities pursuant to Section <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">275(1A) of the SFA, (3) where no consideration is or will be given for the transfer, (4) where the transfer is by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">operation of law, (5) as specified in Section 276(7) of the SFA, or (6) as specified in Regulation 32 of the Securities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and Futures (Offers of Investments) (Shares and Debentures) Regulations 2005 of Singapore (&#8220;Regulation 32&#8221;).<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Where the depositary shares are subscribed or purchased under Section 275 of the SFA by a relevant person <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">which is a trust (where the trustee is not an accredited investor (as defined in Section 4A of the SFA)) whose sole <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">purpose is to hold investments and each beneficiary of the trust is an accredited investor, the beneficiaries&#8217; rights <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and interest (howsoever described) in that trust shall not be transferable for six months after that trust has acquired <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the depositary shares under Section 275 of the SFA except&#58; (1) to an institutional investor under Section 274 of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">SFA or to a relevant person (as defined in Section 275(2) of the SFA, (2) where such transfer arises from an offer <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 573pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">that is made on terms that such rights or interest are acquired at a consideration of not less than S$200,000 (or its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 585pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">equivalent in a foreign currency) for each transaction (whether such amount is to be paid for in cash or by exchange <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 597pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of securities or other assets), (3) where no consideration is or will be given for the transfer, (4) where the transfer is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 609pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">by operation of law, (5) as specified in Section 276(7) of the SFA, or (6) as specified in Regulation 32.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: italic; font-weight: bold; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Switzerland<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">The depositary shares may not be publicly offered in Switzerland and will not be listed on the SIX Swiss <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Exchange or on any other stock exchange or regulated trading facility in Switzerland. This document does not <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">constitute a prospectus within the meaning of, and has been prepared without regard to the disclosure standards for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">issue prospectuses under art. 652a or art. 1156 of the Swiss Code of Obligations or the disclosure standards for <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 699pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">listing prospectuses under art. 27 ff. of the SIX Swiss Exchange Listing Rules or the listing rules of any other stock <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-50<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">exchange or regulated trading facility in Switzerland. Neither this document nor any other offering or marketing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">material relating to the depositary shares or the offering may be publicly distributed or otherwise made publicly <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">available in Switzerland.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-51<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_43" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 239.78pt; position: absolute; text-decoration: none; white-space: pre;">VALIDITY OF THE SHARES<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 93pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The validity of the Preferred Stock and the depositary shares offered hereby will be passed upon for Regions by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 105pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Sullivan &#38; Cromwell LLP, New York, New York, and certain legal matters will be passed upon on behalf of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 117pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Regions by Andrew S. Nix, Regions&#8217; Executive Vice President, Assistant Corporate Secretary, Chief Governance <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 129pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Officer and Deputy General Counsel. Mr. Nix beneficially owns shares of our common stock and unvested time- <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and performance-based restricted stock units of our common stock. The validity of the Preferred Stock and the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">depositary shares offered hereby will be passed upon for the underwriters by Cleary Gottlieb Steen &#38; Hamilton <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">LLP, New York, New York. Sullivan &#38; Cromwell LLP has performed, and may in the future perform, legal services <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for Regions and its affiliates.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_448" style="position: absolute; top: 198pt;"></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 282.96pt; position: absolute; text-decoration: none; white-space: pre;">EXPERTS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The consolidated financial statements of Regions Financial Corporation appearing in Regions Financial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Corporation&#8217;s Annual Report (Form 10-K) for the year ended December 31, 2023, and the effectiveness of Regions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Financial Corporation&#8217;s internal control over financial reporting as of December 31, 2023, have been audited by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Ernst &#38; Young LLP, independent registered public accounting firm, as set forth in their reports thereon, included <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">therein, and incorporated herein by reference. Such consolidated financial statements are incorporated herein by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">reference in reliance upon such reports given on the authority of such firm as experts in accounting and auditing. <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 12.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.55pt; position: absolute; text-decoration: none; white-space: pre;">S-52<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_46" style="position: absolute; top: 36pt;"></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">PROSPECTUS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 57pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 71pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 195.73pt; position: absolute; text-decoration: none; white-space: pre;">REGIONS FINANCIAL CORPORATION<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 91.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 258.55pt; position: absolute; text-decoration: none; white-space: pre;">Senior Debt Securities<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 103.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 243.27pt; position: absolute; text-decoration: none; white-space: pre;">Subordinated Debt Securities<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 115.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 272.02pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 127.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 267pt; position: absolute; text-decoration: none; white-space: pre;">Depositary Shares<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 139.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 273.09pt; position: absolute; text-decoration: none; white-space: pre;">Common Stock<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 151.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 285.18pt; position: absolute; text-decoration: none; white-space: pre;">Warrants<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 163.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 250.76pt; position: absolute; text-decoration: none; white-space: pre;">Stock Purchase Contracts<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 175.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 294.61pt; position: absolute; text-decoration: none; white-space: pre;">Units<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 196.4pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.93pt; position: absolute; top: 210.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 54pt; position: absolute; text-decoration: none; white-space: pre;">The securities listed above may be offered by us and&#47;or may be offered and sold, from time to time, by one or more selling <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">security holders to be identified in the future. We will provide the specific terms of these securities in supplements to this prospectus. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">You should read this prospectus and the applicable prospectus supplement carefully before you invest in the securities described in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">applicable prospectus supplement. Our common stock, depositary shares representing a 1&#47;40th interest in a share of our 6.375% Non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 258.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">Cumulative Perpetual Preferred Stock, Series B, depositary shares representing a 1&#47;40th interest in a share of our 5.700% Non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 270.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">Cumulative Perpetual Preferred Stock, Series C and depositary shares representing a 1&#47;40th interest in a share of our 4.45% Non-<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 282.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">Cumulative Perpetual Preferred Stock, Series E, are listed on The New York Stock Exchange and trade under the ticker symbols &#8220;RF&#8221;, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 294.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;RFPrB&#8221;, RFPrC and &#8220;RFPrE&#8221;, respectively.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 54pt; position: absolute; text-decoration: none; white-space: pre;">We may offer and sell these securities to or through one or more underwriters, dealers and agents, directly to purchasers or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">through a combination of these methods, on a continuous or delayed basis from time to time. Regions Securities LLC (&#8220;Regions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">Securities&#8221;) is a member of the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;) and may participate in distributions of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">securities referred to above. Accordingly, because Regions Securities has a conflict of interest pursuant to FINRA Rule 5121, such <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">participation in the offerings of such securities will conform with the requirements addressing conflicts of interest when distributing <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">the securities of an affiliate set forth in FINRA Rule 5121.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 390.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 54pt; position: absolute; text-decoration: none; white-space: pre;">This prospectus may not be used to sell securities unless accompanied by the applicable prospectus supplement. Unless the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 402.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">context requires otherwise, references to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; &#8220;Regions&#8221; or similar terms are to Regions Financial Corporation and its <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 414.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">subsidiaries.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 432.4pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 449.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 54pt; position: absolute; text-decoration: none; white-space: pre;">Investing in the securities involves certain risks. See &#8220;<font style="display: inline-block; height: 8.12pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 327.41pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_64">Risk Factors</a><font style="display: inline-block; height: 8.12pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 392.35pt; position: absolute; text-decoration: none; white-space: pre;">&#8221; beginning on page <font style="display: inline-block; height: 8.12pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 497.67pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_64">3</a><font style="display: inline-block; height: 8.12pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 503.67pt; position: absolute; text-decoration: none; white-space: pre;"> of this <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 463.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">prospectus and contained in our annual report on Form 10-K for the year ended December 31, 2021, <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 478.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">which is incorporated herein by reference, as well as any risk factors included in, or incorporated by <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 492.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">reference into, the applicable prospectus supplement, to read about factors you should consider before <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 507pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">buying any securities issued by us.<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 527.4pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.77pt; position: absolute; top: 544.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">THE SECURITIES WILL BE EQUITY SECURITIES IN OR UNSECURED OBLIGATIONS OF THE COMPANY AND <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 556.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">WILL NOT BE SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF ANY BANK OR NONBANK <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 568.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">SUBSIDIARY OF THE COMPANY AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 580.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">CORPORATION, THE DEPOSIT INSURANCE FUND OR ANY OTHER GOVERNMENTAL AGENCY. THE DEBT <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 592.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">SECURITIES ARE NOT BANK DEPOSITS AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 604.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY, NOR ARE THEY OBLIGATIONS OF, OR <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 616.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">GUARANTEED BY, A BANK.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 634.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">NEITHER THE SECURITIES AND EXCHANGE COMMISSION, ANY STATE SECURITIES COMMISSION, THE <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 646.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">FEDERAL DEPOSIT INSURANCE CORPORATION, THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 658.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">SYSTEM NOR ANY OTHER REGULATORY BODY HAS APPROVED OR DISAPPROVED OF THESE SECURITIES OR <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 670.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">PASSED UPON THE ADEQUACY OR ACCURACY OF THIS PROSPECTUS. ANY REPRESENTATION TO THE <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 682.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 36pt; position: absolute; text-decoration: none; white-space: pre;">CONTRARY IS A CRIMINAL OFFENSE.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 703.4pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.93pt; position: absolute; top: 717.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 234.24pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus dated February 24, 2022<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 738.4pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 540pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 36pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 756pt;"><div style="width: 540pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_49" style="position: absolute; top: 72pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 252.15pt; position: absolute; text-decoration: none; white-space: pre;">TABLE OF CONTENTS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 93pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 432.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 35.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12pt; left: 432.75pt; position: absolute; top: 0pt; width: 35.25pt;"><div><div style="line-height: 5.41pt; position: absolute; top: 3.37pt; width: 35.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: bold; left: 9.41pt; position: absolute; text-decoration: none; white-space: pre;">Page<font style="display: inline-block; height: 5.41pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 12pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_52">ABOUT THIS PROSPECTUS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 12pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_52">1</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 26.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_55">WHERE YOU CAN FIND MORE INFORMATION</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 26.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_55">2</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 40.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_58">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 40.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_58">2</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 54.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_61">THE COMPANY</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 54.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_61">2</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 69pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_64">RISK FACTORS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 69pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_64">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 83.25pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_67">USE OF PROCEEDS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 83.25pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_67">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 97.5pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_70">VALIDITY OF THE SECURITIES</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 97.5pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_70">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 111.75pt; width: 432.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 432.75pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_73">EXPERTS</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 432.75pt; position: absolute; top: 111.75pt; width: 35.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 35.25pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 27.62pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_73">3</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="position: absolute; top: 233pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 6.93pt; position: absolute; top: 250pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">WE ARE RESPONSIBLE FOR THE INFORMATION CONTAINED AND INCORPORATED BY <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 262pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">REFERENCE IN THIS PROSPECTUS AND ANY ACCOMPANYING PROSPECTUS SUPPLEMENT, AND IN <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 274pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">ANY FREE WRITING PROSPECTUS THAT WE PREPARE. WE HAVE NOT AUTHORIZED ANYONE TO <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 286pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">GIVE YOU ANY OTHER INFORMATION, AND WE TAKE NO RESPONSIBILITY FOR, AND CAN <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 298pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">PROVIDE NO ASSURANCE AS TO THE RELIABILITY OF, ANY OTHER INFORMATION THAT OTHERS <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 310pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">MAY GIVE YOU. THIS PROSPECTUS, ANY ACCOMPANYING PROSPECTUS SUPPLEMENT AND ANY <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 322pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">SUCH FREE WRITING PROSPECTUS MAY BE USED ONLY FOR THE PURPOSES FOR WHICH THEY <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 334pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">HAVE BEEN PREPARED. YOU SHOULD NOT ASSUME THAT THE INFORMATION CONTAINED OR <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 346pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">INCORPORATED BY REFERENCE IN THIS PROSPECTUS IS ACCURATE AS OF ANY DATE OTHER <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 358pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">THAN THE DATE OF THIS PROSPECTUS OR THE DATE OF THE RELEVANT INCORPORATED <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 370pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">DOCUMENT, AS APPLICABLE. THE FINANCIAL CONDITION, RESULTS OF OPERATIONS OR <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 382pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">BUSINESS PROSPECTS OF THE COMPANY MAY HAVE CHANGED SINCE THOSE DATES. WE ARE <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 394pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">NOT MAKING AN OFFER OF THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER IS NOT <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 406pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">PERMITTED.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 427pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_52" style="position: absolute; top: 444pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 240.76pt; position: absolute; text-decoration: none; white-space: pre;">ABOUT THIS PROSPECTUS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">This prospectus is part of a registration statement that we filed with the Securities and Exchange Commission <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">(&#8220;SEC&#8221;) using a &#8220;shelf&#8221; registration process. Under this shelf registration statement, we may offer and sell from time <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 489pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">to time any combination of the securities described in this prospectus in one or more offerings. The debt securities, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 501pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">preferred stock, warrants, stock purchase contracts and units may be convertible into or exercisable or exchangeable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">for common or preferred stock or other securities issued by us or debt or equity securities issued by one or more <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">other entities. This prospectus provides you with a general description of the securities we or any selling security <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">holders to be named in a prospectus supplement may offer.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Each time we offer and sell securities, we will provide a prospectus supplement that will contain specific <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information about the terms of that offering. The prospectus supplement may also add, update or change information <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">contained in this prospectus. You should read this prospectus and the applicable prospectus supplement together <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">with the additional information described under the heading &#8220;Where You Can Find More Information.&#8221; We may <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">also prepare free writing prospectuses that describe particular securities. Any free writing prospectus should also be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">read in connection with this prospectus and with any prospectus supplement referred to therein. For purposes of this <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus, any reference to an applicable prospectus supplement may also refer to a free writing prospectus, unless <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the context otherwise requires.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The registration statement that contains this prospectus, including the exhibits to the registration statement, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">contains additional information about us and the securities offered under this prospectus. The registration statement <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 687pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">can be read at the SEC web site mentioned under the heading &#8220;Where You Can Find More Information.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The distribution of this prospectus and any applicable prospectus supplement and the offering of the securities <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in certain jurisdictions may be restricted by law. Persons into whose possession this prospectus and any applicable <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus supplement come should inform themselves about and observe any such restrictions. This prospectus and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">any applicable prospectus supplement do not constitute, and may not be used in connection with, an offer or <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">solicitation by anyone in any jurisdiction in which such offer or solicitation is not authorized or in which the person <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">making such offer or solicitation is not qualified to do so or to any person to whom it is unlawful to make such offer <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or solicitation.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_55" style="position: absolute; top: 165pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 193.71pt; position: absolute; text-decoration: none; white-space: pre;">WHERE YOU CAN FIND MORE INFORMATION<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 186pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We file annual, quarterly and current reports, proxy statements and other information with the SEC. Our SEC <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 198pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">filings are available to the public at the SEC&#8217;s web site at http&#58;&#47;&#47;www.sec.gov.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 219pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We have filed with the SEC a registration statement on Form S-3 relating to the securities covered by this <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 231pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">prospectus. This prospectus is a part of the registration statement and does not contain all of the information in the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 243pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">registration statement. Whenever a reference is made in this prospectus to a contract or other document of ours, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 255pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">please be aware that the reference is only a summary and that you should refer to the exhibits that are a part of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">registration statement for a copy of the contract or other document. You may review a copy of the registration <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 279pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">statement through the SEC&#8217;s web site.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_58" style="position: absolute; top: 300pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 151.24pt; position: absolute; text-decoration: none; white-space: pre;">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 321pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The SEC allows us to &#8220;incorporate by reference&#8221; into this prospectus the information in documents we file with <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 333pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the SEC, which means that we can disclose important information to you by referring you to those documents. The <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 345pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information incorporated by reference is considered to be a part of this prospectus and should be read with the same <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 357pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">care. When we update the information contained in documents that have been incorporated by reference, by making <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 369pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">future filings with the SEC, the information incorporated by reference in this prospectus is considered to be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 381pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">automatically updated and superseded. In other words, in all cases, if you are considering whether to rely on <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information contained in this prospectus or information incorporated by reference into this prospectus, you should <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 405pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">rely on the information contained in the document that was filed later. We incorporate by reference the documents <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 417pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">listed below and any additional documents we file with the SEC in the future under Sections 13(a), 13(c), 14, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 429pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">or&#160;15(d) of the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) until our offering is completed (other than <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">information in such additional documents that are deemed, under the Exchange Act, in accordance with the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 453pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Exchange Act and SEC rules, not to have been filed)&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Annual Report on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 182.11pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176122000016/rf-20211231.htm">Form 10-K</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 226.82pt; position: absolute; text-decoration: none; white-space: pre;"> for the year ended December 31, 2021&#59;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 495pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Proxy Statement on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 189.32pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176121000017/a2021rfcproxystatement.htm">Schedule 14A</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 245.66pt; position: absolute; text-decoration: none; white-space: pre;"> filed March 5, 2021&#59; and<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The description of our common stock contained in our current report on <font style="display: inline-block; height: 6.93pt;"></font></font><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 397.72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1281761/000095014404006742/g89829e8vk12g3.txt">Form 8-K</a><font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 437.43pt; position: absolute; text-decoration: none; white-space: pre;"> filed on July 1, 2004 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">with the SEC, including any amendment or report filed for the purpose of updating such description.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 549pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">You may request a copy of these filings (other than an exhibit to a filing unless that exhibit is specifically <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 561pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">incorporated by reference into that filing) at no cost, by writing to or telephoning us at the following address&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 582pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.4pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 594pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 269.51pt; position: absolute; text-decoration: none; white-space: pre;">Investor Relations<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 606pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 255.33pt; position: absolute; text-decoration: none; white-space: pre;">1900 Fifth Avenue North<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 618pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 246.47pt; position: absolute; text-decoration: none; white-space: pre;">Birmingham, Alabama 35203<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 630pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 277.67pt; position: absolute; text-decoration: none; white-space: pre;">205-264-7040<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_61" style="position: absolute; top: 651pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 268.11pt; position: absolute; text-decoration: none; white-space: pre;">THE COMPANY<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Regions Financial Corporation is a Delaware corporation (NYSE symbol&#58; RF) and financial holding company <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">headquartered in Birmingham, Alabama operating in the South, Midwest and Texas. In addition, Regions operates <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">several offices delivering specialty capabilities in New York, Washington D.C., Chicago and other locations <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 708pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">nationwide. Regions provides financial solutions for a wide range of clients including retail and mortgage banking <font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 22.42pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 303.5pt; position: absolute; text-decoration: none; white-space: pre;">2<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">services, commercial banking services and wealth and investment services. Further, Regions and its subsidiaries <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">deliver specialty capabilities including merger and acquisition advisory services, capital market solutions, home <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">improvement lending and others. Through its subsidiary, Regions Bank, Regions operates 1,302 banking offices and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">2,068&#160;ATMs (as of December 31, 2021). At December 31, 2021, Regions had total consolidated assets of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">approximately $162.9 billion, total consolidated deposits of approximately $139.1 billion and total consolidated <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">shareholders&#8217; equity of approximately $18.3 billion. Additional information about us and our subsidiaries is included <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in the documents incorporated by reference in this prospectus under the heading &#8220;Where You Can Find More <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Information.&#8221;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 177pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Regions is a separate and distinct legal entity from our banking and other subsidiaries. A significant source of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 189pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">funds to pay dividends on our common and preferred stock and service our debt is dividends from our subsidiaries. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 201pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Various federal and state statutes and regulations limit the amount of dividends that our banking and other <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 213pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">subsidiaries may pay to us without regulatory approval.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Our principal executive offices are located at 1900 Fifth Avenue North, Birmingham, Alabama 35203, and our <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">telephone number at that address is (800) 734-4667.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_64" style="position: absolute; top: 267pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 267pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 268.65pt; position: absolute; text-decoration: none; white-space: pre;">RISK FACTORS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Investing in securities issued by us involves certain risks. Before you invest in any securities issued by us, in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">addition to the other information included in, or incorporated by reference into, this prospectus, you should carefully <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">consider the risk factors contained in Item 1A under the caption &#8220;Risk Factors&#8221; and elsewhere in our annual report <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 324pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on Form 10-K for the fiscal year ended December 31, 2021, which is incorporated into this prospectus by reference, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">as updated by our annual or quarterly reports for subsequent fiscal years or fiscal quarters that we file with the SEC <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">and that are so incorporated. See &#8220;Where You Can Find More Information&#8221; for information about how to obtain a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">copy of these documents. You should also carefully consider the risks and other information that may be contained <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">in, or incorporated by reference into, any prospectus supplement relating to specific offerings of securities.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_67" style="position: absolute; top: 393pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 393pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 259.64pt; position: absolute; text-decoration: none; white-space: pre;">USE OF PROCEEDS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 414pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">We intend to use the net proceeds from the sales of the securities in the manner and for the purposes set forth in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 426pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">the applicable prospectus supplement, which may include general corporate purposes.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_70" style="position: absolute; top: 447pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 447pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 229.51pt; position: absolute; text-decoration: none; white-space: pre;">VALIDITY OF THE SECURITIES<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Unless otherwise indicated in the applicable prospectus supplement, the validity of the securities may be passed <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">upon for us by Andrew S. Nix, our Executive Vice President and Chief Governance Officer, or such other legal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">officer as we may designate from time to time, and Sullivan &#38; Cromwell LLP, New York, New York.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 513pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">Mr. Nix beneficially owns shares of our common stock and Sullivan &#38; Cromwell LLP regularly performs legal <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 525pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">services for us. Certain legal matters will be passed upon for any underwriters by the counsel to such underwriters <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 537pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">specified in the applicable prospectus supplement.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_73" style="position: absolute; top: 558pt;"></div><div style="line-height: 6.77pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 282.96pt; position: absolute; text-decoration: none; white-space: pre;">EXPERTS<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; white-space: pre;">The consolidated financial statements of Regions Financial Corporation appearing in Regions Financial <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Corporation&#8217;s Annual Report (Form 10-K) for the year ended December 31, 2021, and the effectiveness of Regions <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Financial Corporation&#8217;s internal control over financial reporting as of December 31, 2021, have been audited by <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 615pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">Ernst &#38; Young LLP, independent registered public accounting firm, as set forth in their reports thereon included <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">therein, and incorporated herein by reference. Such financial statements are, and audited financial statements to be <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 639pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">included in subsequently filed documents will be, incorporated herein in reliance upon the reports of Ernst &#38; Young <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 651pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">LLP pertaining to such financial statements and the effectiveness of our internal control over financial reporting as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 663pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">of the respective dates (to the extent covered by consents filed with the Securities and Exchange Commission) given <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 675pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; white-space: pre;">on the authority of such firm as experts in accounting and auditing.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="color: #0000ff; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#ic0e6fc1573cc4ff0a65faceb2adefd22_4">Table of Contents</a><font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 6.93pt; position: absolute; top: 22.42pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 303.5pt; position: absolute; text-decoration: none; white-space: pre;">3<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0e6fc1573cc4ff0a65faceb2adefd22_76" style="position: absolute; top: 72pt;"></div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 468pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 12.48pt; position: absolute; top: 130pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: normal; left: 96.12pt; position: absolute; text-decoration: none; white-space: pre;">20,000,000 Depositary Shares Each Representing a 1&#47;40th<font style="display: inline-block; height: 12.48pt;"></font></font></div><div style="line-height: 12.48pt; position: absolute; top: 157.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: normal; left: 231.06pt; position: absolute; text-decoration: none; white-space: pre;">Interest in a Share of <font style="display: inline-block; height: 12.48pt;"></font></font></div><div style="line-height: 12.48pt; position: absolute; top: 179.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: normal; left: 117.12pt; position: absolute; text-decoration: none; white-space: pre;">Non-Cumulative Perpetual Preferred Stock, Series F<font style="display: inline-block; height: 12.48pt;"></font></font></div><div style="position: absolute; top: 235.8pt; width: 612pt;"><div style="left: 234pt; position: absolute; top: 0pt;"><div style="position: absolute;"><img style="height: 24.04pt; width: 144pt;" src="regionslogo.jpg" alt="regionslogo.jpg"></div></div></div><div style="position: absolute; top: 299.84pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 316.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 272.5pt; position: absolute; text-decoration: none; white-space: pre;">July 22, 2024<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 343.24pt; width: 612pt;"><div style="font-size: 0pt; left: 256.12pt; position: absolute; top: 0pt; width: 99.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 99.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 9.48pt; position: absolute; top: 386.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 14pt; font-style: italic; font-weight: bold; left: 215.41pt; position: absolute; text-decoration: none; white-space: pre;">Joint Book-Running Managers<font style="display: inline-block; height: 9.48pt;"></font></font></div><div style="font-size: 12pt; line-height: 12.19pt; position: absolute; top: 423.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: bold; left: 198.28pt; position: absolute; text-decoration: none; white-space: pre;">Morgan Stanley &#38; Co. LLC<font style="display: inline-block; height: 12.19pt;"></font></font></div><div style="font-size: 12pt; line-height: 12.19pt; position: absolute; top: 444.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: bold; left: 246.29pt; position: absolute; text-decoration: none; white-space: pre;">BofA Securities<font style="display: inline-block; height: 12.19pt;"></font></font></div><div style="font-size: 12pt; line-height: 12.19pt; position: absolute; top: 466.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: bold; left: 199.76pt; position: absolute; text-decoration: none; white-space: pre;">Goldman Sachs &#38; Co. LLC<font style="display: inline-block; height: 12.19pt;"></font></font></div><div style="font-size: 12pt; line-height: 12.19pt; position: absolute; top: 487.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: bold; left: 258.27pt; position: absolute; text-decoration: none; white-space: pre;">J.P. Morgan<font style="display: inline-block; height: 12.19pt;"></font></font></div><div style="font-size: 12pt; line-height: 12.19pt; position: absolute; top: 509.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: bold; left: 221.54pt; position: absolute; text-decoration: none; white-space: pre;">RBC Capital Markets<font style="display: inline-block; height: 12.19pt;"></font></font></div><div style="line-height: 12.19pt; position: absolute; top: 531.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 18pt; font-style: normal; font-weight: bold; left: 215.05pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC<font style="display: inline-block; height: 12.19pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 572.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: italic; font-weight: bold; left: 272.02pt; position: absolute; text-decoration: none; white-space: pre;">Co-Managers<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 599.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 255.55pt; position: absolute; text-decoration: none; white-space: pre;">Academy Securities<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 613.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 256.18pt; position: absolute; text-decoration: none; white-space: pre;">Blaylock Van, LLC<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 627.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 254.38pt; position: absolute; text-decoration: none; white-space: pre;">Ramirez &#38; Co., Inc.<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 642.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 247.53pt; position: absolute; text-decoration: none; white-space: pre;">R. Seelaus &#38; Co., LLC<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 686.64pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 468pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>2
<FILENAME>exhibit107-424b2.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i5a773b2b9959451c9d0246cf910a838f_35"></div><div style="min-height:72pt;width:100%"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit 107</font></div></div><div style="margin-bottom:9pt;text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CALCULATION OF REGISTRATION FEE</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:43.460%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.251%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.284%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.251%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.254%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Title of each Class of </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Securities to be Registered</font></div></td><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amount </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">to Be </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Registered</font></div></td><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Proposed Maximum Offering Price Per Unit</font></div></td><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Proposed </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Maximum Aggregate </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Offering Price</font></div></td><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amount of Registration Fee</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Depositary Shares each representing a 1&#47;40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series F </font></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,000,000.00&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25.00&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">500,000,000.00&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">73,800.00&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Non-Cumulative Perpetual Preferred Stock, Series F </font></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2)</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2)</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2)</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2)</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:6pt"><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"></td></tr></table></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">__________</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(1)</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%;padding-left:4.57pt">Calculated in accordance with Rule 457(r) under the Securities Act of 1933, as amended.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:103%">(2)</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:103%;padding-left:4.57pt">No separate consideration will be payable in respect of shares of Non-Cumulative Perpetual Preferred Stock, Series F, which are issued in connection with this offering.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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<DOCUMENT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
