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y has advised us that it is a limited-purpose trust company organized under the New York Banking Law, a "banking organization" within the meaning of the New York Banking Law, a member of the Federal Reserve System, a "clearing corporation" within the meaning of the New York Uniform Commercial Code, and a "clearing agenc
luding the risk factors incorporated by reference from Part I, Item lA of our most recent Annual Report on Form 10-K, as may be updated by Part II, Item IA of our Quarterly Reports on Form 10-Q and other SEC filings filed after such Annual Report, which are incorporated by reference herein. See "Where Y
be made only through, records maintained by DTC and its participants. DTC has advised us that it is a limited-purpose trust company organized under the New York Banking Law, a "banking organization" within the meaning of the New York Banking Law, a member of the United States Federal Reserve System, a "clearing corpora
tled "Risk Factors," the accompanying prospectus and the documents incorporated herein by reference (including the risk factors set forth in Part 1, Item IA of our Annual Report on Font 10-K for the year ended December 31, 2015), our financial statements and notes thereto incorporated by reference into t
y in accordance with DTC rules and will be settled in same-day funds. DTC has advised us that it is a limited-purpose trust company organized under the New York Banking Law, a "banking organization" within the meaning of the New York Banking Law, a member of the Federal Reserve System, a "clearing corporation" within t
any of our securities, in addition to the other information in this prospectus, you should carefully consider the risk factors contained in Part I, Item IA under the caption "Risk Factors" in our Annual Report on Form 10-K for the fiscal year ended December 31, 2014 and in our 2014 Annual Report to Sha
Entities connected to both the New York Banking Law and Item IA

United States
LOCATIONthe Securities and Exchange Commission
ORGANIZATIONMorgan Stanley & Co. LLC
ORGANIZATIONthe District of Columbia
LOCATION
BofA Merrill Lynch
ORGANIZATION
Eric Holder
PERSON
Ontario
LOCATIONUBS Investment Bank
ORGANIZATION
United Kingdom
LOCATIONProspectus
ORGANIZATIONthe European Economic Area
LOCATION
the Internal Revenue Service
ORGANIZATIONComputershare Inc.
ORGANIZATIONthe New York Stock Exchange, Inc.
ORGANIZATION
New York
LOCATIONForm S-3
ORGANIZATION
the Board of Directors
ORGANIZATIONJoint Book-Running Managers
ORGANIZATION
Morgan Stanley
ORGANIZATIONRegistrar
ORGANIZATION