EFTA Document EFTA01365954

Term Sheet Page 3 of 3 FILED PURSUANT TO RULE 433 1,500,000 DEPOSITARY SIIARES This No. 333-192302 EACH REPRESENTING A 1/25rn INTEREST IN A SHARE OF 5.800% FILED RATFJFLOATING RATE NONCUMULATIVE PREFERRED STOCK, SERIES N S1,000 LIQUIDATION PREFERENCE PER DEPOSITARY SHARE es. a it Senior Co-Managers: Junior Co-Managers: Depositary Shares CUSIP/ISIN: Banca IMI S.p.A. CIBC World Markets Corp. Commerz Markets LLC Lloyds Securities Inc. Mizuho Securities USA Inc. Mitsubishi UK) Secu