ffer=Price: $25 per depositary share Dividends: When, as, and if declared, =ividends will accrue and be payable quarterly in arrears, on March 1st, =une 1st, Sept. 1st, and Dec.lst beginning September 1st, =015 &nbs=; Optional =edemption: Subject to regulatory approval, (1) in whole or in =art, from time to time,