<SEC-DOCUMENT>0001281761-24-000045.txt : 20240722
<SEC-HEADER>0001281761-24-000045.hdr.sgml : 20240722
<ACCEPTANCE-DATETIME>20240722155630
ACCESSION NUMBER:		0001281761-24-000045
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240722
DATE AS OF CHANGE:		20240722

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-262964
		FILM NUMBER:		241131463

	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

FILED BY:		

	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:		FWP

	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>FWP
<SEQUENCE>1
<FILENAME>regionsfinancialcorporatio.htm
<DESCRIPTION>FWP
<TEXT>
<html><head><title>Regions Financial Corporation FWP</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="i6a16f1a5ebf34a0ea63e720efaeb01f5_40" 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: 435.13pt; position: absolute; text-decoration: none; white-space: pre;">Free Writing Prospectus<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 425.63pt; position: absolute; text-decoration: none; white-space: pre;">Filed Pursuant to Rule 433<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.77pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 419.22pt; position: absolute; text-decoration: none; white-space: pre;">Registration No. 333-262964<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="position: absolute; top: 108pt; width: 612pt;"><div style="left: 186.84pt; position: absolute; top: 0pt;"><div style="position: absolute;"><img style="height: 39.55pt; width: 238.32pt;" src="regions.jpg" alt="regions.jpg"></div></div></div><div style="line-height: 6.77pt; position: absolute; top: 152.55pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 84.85pt; 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: 163.75pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 151.93pt; position: absolute; text-decoration: none; white-space: pre;">NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES F<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 187.75pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 264.39pt; position: absolute; text-decoration: none; white-space: pre;">Pricing Term Sheet<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 199.75pt; 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 pricing term sheet supplements the information set forth under &#8220;Description of the Series F Preferred Stock&#8221; in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 7.28pt; position: absolute; top: 211.25pt; 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 preliminary prospectus supplement, dated July 22<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 285.39pt; position: absolute; white-space: pre;">, <font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 290.93pt; position: absolute; white-space: pre;">2024<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 310.93pt; position: absolute; text-decoration: none; white-space: pre;"> (the &#8220;Preliminary Prospectus Supplement&#8221;) to the <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 222.75pt; 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 dated February&#160;24, 2022.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 234.25pt; 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: 165pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 300pt;" 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: 0pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Issuer&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 0pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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<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><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 38.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 38.25pt; left: 0pt; position: absolute; top: 17.25pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Security&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 38.25pt; left: 168pt; position: absolute; top: 17.25pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">Depositary shares (the &#8220;Depositary Shares&#8221;) each representing a&#160;1&#47;40<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 279.51pt; position: absolute; text-decoration: none; top: -2.4254999999999995pt; vertical-align: super; white-space: pre;">th<font style="display: inline-block; height: 4.5045pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 283.8pt; 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: 14.63pt; width: 300pt;"><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 Non-Cumulative Perpetual Preferred Stock, Series <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 26.63pt; width: 300pt;"><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;">F, of the Issuer (the &#8220;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><td style="font-size: 0; text-align: left; vertical-align: top;" 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: 58.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Expected&#160;Security&#160;Ratings <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 165pt;"><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;">(Moody&#8217;s&#47;S&#38;P&#47;Fitch)&#58;*<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 168pt; position: absolute; top: 58.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Baa3 &#47; BB+ &#47; BB+ (Negative&#47;Stable&#47;Stable)<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><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: 84.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Size&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 84.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">$500,000,000 &#47; 20,000,000 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><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: 102pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Over-allotment Option&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 102pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">No over-allotment option applies to this offering.<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><td style="font-size: 0; text-align: left; vertical-align: top;" 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: 119.25pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Liquidation Preference&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 168pt; position: absolute; top: 119.25pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">$25 per Depositary Share (equivalent to $1,000 per share of Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><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;">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><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: 145.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Term&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 145.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">Perpetual<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><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 162.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">First Reset Date&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 168pt; position: absolute; top: 162.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">September 15, 2029<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><td style="font-size: 0; text-align: left; vertical-align: top;" 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: 181.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Reset Date&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 168pt; position: absolute; top: 181.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">The First Reset Date and each date falling on the fifth anniversary of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">preceding reset date <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><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: 207.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Reset Period&#58; <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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 168pt; position: absolute; top: 207.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">The period from and including the First 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: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">next following Reset Date and thereafter each period from and including <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">each Reset Date to, but excluding, the next following Reset Date<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><td style="font-size: 0; text-align: left; vertical-align: top;" 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: 244.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Reset Dividend Determination Date<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 168pt; position: absolute; top: 244.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">In respect of any Reset Period, the day falling three business days prior to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">the beginning of such Reset Period<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><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: 270.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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 Rate (Non-Cumulative)&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 53.25pt; left: 168pt; position: absolute; top: 270.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">At a rate per annum equal to (i) 6.95% from the Settlement Date to, but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">excluding, September 15, 2029&#59; and (ii) for each Reset Period from, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">including, September 15, 2029, the &#8220;five-year treasury rate&#8221; (as defined <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 32.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">in the Preliminary Prospectus Supplement) as of the most recent Reset <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Dividend Determination Date plus 2.771%<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><td style="font-size: 0; text-align: left; vertical-align: top;" 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: 327pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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 Dates&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 168pt; position: absolute; top: 327pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Quarterly in arrears on March 15, June 15, September 15, and December <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">15 of each year, commencing on September 15, 2024<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><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: 353.25pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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 Count&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 353.25pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">30&#47;360<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><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: 370.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Trade Date&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 370.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">July 22, 2024<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><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: 387.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Settlement Date&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 387.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">July 29, 2024 (T+5)**<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><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></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="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: 165pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 300pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 83.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 83.25pt; left: 0pt; position: absolute; top: 0pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Optional Redemption&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 83.25pt; left: 168pt; position: absolute; top: 0pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">The Issuer may redeem the Preferred Stock, at its option, subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">regulatory approval (if then required), at a price equal to $1,000 per share <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; 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: 32.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">dividends (without regard to any undeclared dividends) to but excluding <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">the redemption date, (i) in whole or in part, from time to time, on any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 52.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">dividend payment date on or after the First Reset Date or (ii) in whole but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 62.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">not in part, at any time following a regulatory capital treatment event (as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 72.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">defined in the Preliminary Prospectus Supplement)<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><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: 86.25pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Listing&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 53.25pt; left: 168pt; position: absolute; top: 86.25pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Application will be made to list the Depositary Shares on the New York <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Stock Exchange (the &#8220;NYSE&#8221;) under the symbol &#8220;RFPrF.&#8221; If approved <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">for listing, trading of the Depositary Shares on the NYSE is expected to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 32.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">commence within the 30-day period after the original issuance date of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">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><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: 142.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Public Offering Price&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 142.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">$25 per Depositary Share<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><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: 159.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Underwriting&#160;Discounts and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 165pt;"><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;">Commissions&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 53.25pt; left: 168pt; position: absolute; top: 159.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">$9,859,000, reflecting 10,960,000 Depositary Shares sold to institutional <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">investors, for which the underwriters received an underwriting discount <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">of $0.2500 per Depositary Share, and 9,040,000 Depositary Shares sold <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 32.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">to retail investors, for which the underwriters received an underwriting <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 42.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">discount of $0.7875 per Depositary Share<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><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: 216pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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 Proceeds to Issuer (after <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 165pt;"><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;">underwriting discounts and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 165pt;"><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;">commissions, before offering <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 32.63pt; width: 165pt;"><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;">expenses)&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 44.25pt; left: 168pt; position: absolute; top: 216pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">$490,141,000<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><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: 263.25pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Joint Book-Running Managers&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 168pt; position: absolute; top: 263.25pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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;">Morgan Stanley&#160;&#38; Co. LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 14.63pt; width: 300pt;"><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 style="line-height: 6.93pt; position: absolute; top: 26.63pt; width: 300pt;"><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&#160;&#38; Co. LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 38.63pt; width: 300pt;"><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 style="line-height: 6.93pt; position: absolute; top: 50.63pt; width: 300pt;"><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 style="line-height: 6.93pt; position: absolute; top: 62.63pt; width: 300pt;"><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;">Regions Securities 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="2"></td></tr><tr style="height: 50.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 50.25pt; left: 0pt; position: absolute; top: 340.5pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">Co-Managers&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 50.25pt; left: 168pt; position: absolute; top: 340.5pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><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 style="line-height: 6.93pt; position: absolute; top: 14.63pt; width: 300pt;"><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 style="line-height: 6.93pt; position: absolute; top: 26.63pt; width: 300pt;"><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 style="line-height: 6.93pt; position: absolute; top: 38.63pt; width: 300pt;"><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></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="2"></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: 393.75pt; width: 165pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 165pt;"><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;">CUSIP&#47;ISIN for the Depositary Shares&#58;<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"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 168pt; position: absolute; top: 393.75pt; width: 300pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 300pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">7591EP 860&#47;US7591EP8604<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: 497pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; 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: 99pt; position: absolute; white-space: pre;">An explanation of the significance of ratings may be obtained from the rating agencies. Generally, rating <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 509pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">agencies base their ratings on such material and information, and such of their own investigations, studies and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 521pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">assumptions, as they deem appropriate. The rating of the Depositary Shares should be evaluated <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 533pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">independently from similar ratings of other securities. A credit rating of a security is not a recommendation to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 545pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">buy, sell or hold securities and may be subject to review, revision, suspension, reduction or withdrawal at any <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 557pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">time by the assigning rating agency.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 569pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; 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: 99pt; position: absolute; white-space: pre;">It 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: 116.76pt; position: absolute; white-space: pre;">expected that delivery of the Depositary Shares will be made in book-entry form only through the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 580.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">facilities of The Depository Trust Company for the accounts of its participants, including Clearstream <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 591.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">Banking, S.A., and Euroclear Bank SA&#47;NV, against payment in New York, New York on or about the fifth <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 602.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">business day following the Trade Date. Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades of <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 613.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">securities in the secondary market generally are required to settle in one business day, referred to as T+1, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 625pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">unless the parties to a trade agree otherwise. Accordingly, by virtue of the fact that the initial delivery of the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 636.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">Depositary Shares will not be made on a T+1 basis, investors who wish to trade the Depositary Shares more <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 647.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">than one business day before the Settlement Date will be required to specify an alternative settlement cycle at <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 658.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; white-space: pre;">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: 687.8pt; 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 Depositary Shares are not deposits or obligations of a bank and are not insured or guaranteed by the <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 699.8pt; 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;">Federal Deposit Insurance Corporation or by any other government agency or instrumentality. <font style="display: inline-block; height: 6.77pt;"></font></font></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 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;">The Issuer has filed a registration statement (including a prospectus, as supplemented by a preliminary <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: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">prospectus supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 96pt; 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;">communication relates. Before you invest, you should read each of these documents and the other documents <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 108pt; 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 Issuer has filed with the SEC and incorporated by reference in such documents for more complete <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 120pt; 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;">information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 132pt; 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 SEC Web site at www.sec.gov. Alternatively, you may obtain a copy of these documents by calling <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 144pt; 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;">Morgan Stanley&#160;&#38; Co. LLC at (866) 718-1649, BofA Securities, Inc. at (800) 294-1322, Goldman Sachs&#160;&#38; Co. <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 156pt; 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;">LLC at (866) 471-2526, J.P. Morgan Securities LLC collect at (212) 834-4533, RBC Capital Markets, LLC at <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 168pt; 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;">(866) 375-6829, or Regions Securities LLC at (404) 279-7400. <font style="display: inline-block; height: 6.77pt;"></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;">Any disclaimer or other notice that may appear below is not applicable to this communication and should be <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="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: 72pt; position: absolute; text-decoration: none; white-space: pre;">disregarded. Such disclaimer or notice was automatically generated as a result of this communication being <font style="display: inline-block; height: 6.77pt;"></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;">sent by Bloomberg or another email system.<font style="display: inline-block; height: 6.77pt;"></font></font><font style="font-family: Times New Roman; font-size: 8pt; font-style: normal; font-weight: normal; left: 259.36pt; position: absolute; text-decoration: none; white-space: pre;">&#160;<font style="display: inline-block; height: 6.77pt;"></font></font></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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
