We may, from time to time, offer and sell debt securities, common stock, preferred stock, depositary shares, warrants, purchase contracts, and/or purchase units consisting of some or all of these securities, in any combination, together or separately, in one or more offerings, and the securities offered hereby may be convertible into or exercisable or exchangeable for other securities offered hereby. This prospectus describes the general terms of these securities and the general manner in which these securities will be offered. We will provide the specific terms of these securities in supplements to this prospectus. The prospectus supplements will also describe the specific manner in which these securities will be offered and may also supplement, update or amend information contained in this document. You should read this prospectus and any applicable prospectus supplement before you invest.

We may offer these securities in amounts, at prices and on terms determined at the time of offering. The securities may be sold directly to you, through agents, or through underwriters and dealers. If agents, underwriters or dealers are used to sell the securities, we will name them and describe their compensation in a prospectus supplement.