A rating reflects only the view of the assigning rating agency, and it is not a recommendation to buy, sell or hold the Notes. Any rating can be revised upward or downward or withdrawn at any time by the assigning rating agency if such rating agency decides that circumstances warrant that change. Each rating should be evaluated independently of any other rating.

Fixed rate period: A fixed rate per annum of 6.50%

Floating rate period: A floating rate per annum equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) (each as defined in the prospectus supplement under “Description of Notes — General” in the preliminary prospectus supplement), plus 239 basis points for each quarterly interest period during the floating rate period; provided, however, that if the Benchmark rate is less than zero, the Benchmark rate shall be deemed to be zero.

For each interest period during the floating rate period, “Three-Month Term SOFR” means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any interest period, as determined by the calculation agent after giving effect to the Three-Month Term SOFR Conventions (each as defined under “Description of the Notes” in the preliminary prospectus supplement).

If the calculation agent determines on or prior to the relevant Reference Time that a Benchmark Transition Event and its related Benchmark Replacement Date (each as defined under “Description of the Notes” in the preliminary prospectus supplement) have occurred with respect to Three-Month Term SOFR, then the provisions under “Description of the Notes — Effect of Benchmark Transition Event,” in the preliminary prospectus summary, which are referred to herein as the “benchmark transition provisions,” will thereafter apply to all determinations of the interest rate on the Notes for each interest period during the floating rate period. In accordance with the benchmark transition provisions, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, the interest rate on the Notes for each interest period during the floating rate period will be an annual rate equal to the Benchmark Replacement (as defined under Description of the Notes) plus basis points.

The Company will appoint a calculation agent for the Notes (which may be the Company or an affiliate) prior to the commencement of the floating rate period. The Company will act as the initial calculation agent.

Fixed rate period: March 1 and September 1 of each year, commencing on March 1, 2027. The last interest payment date for the fixed rate period will be September 1, 2031.

Floating rate period: March 1, June 1, September 1 and December 1 of each year, commencing on December 1, 2031.

Interest on each Note will be payable to the person in whose name such Note is registered on the 15th day (whether or not a Business Day) immediately preceding the applicable interest payment date.

Fixed rate period: 360-day year consisting of twelve 30-day months.

Floating rate period: 360-day year and the actual number of days elapsed.

The Company may, at its option, beginning with the interest payment date of September 1, 2031 and on any interest payment date thereafter, redeem the Notes, in whole at any time or in part, from time to time, subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the capital adequacy rules of the Federal Reserve, at a redemption price equal to 100% of the principal amount of the Notes being redeemed, plus accrued and unpaid interest to, but excluding, the date of redemption.

The Company may redeem the Notes, at any time prior to their maturity including prior to September 1, 2031, in whole, but not in part, subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules of the Federal Reserve, if (i) a Tax Event (as defined under “Description of the Notes — Redemption” in the preliminary prospectus supplement), (ii) a subsequent event occurs that, as a result of which, there is more than an insubstantial risk that the Company would not be entitled to treat the Notes as Tier 2 capital for regulatory capital purposes, or (iii) the Company is required to register as an investment company under the Investment Company Act of 1940. In each case, the redemption would be at a redemption price equal to 100% of the principal amount of the Notes plus any accrued and unpaid interest to but excluding the redemption date.

The Notes will be offered in book-entry form only through the facilities of The Depository Trust Company in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof.

The Notes offered under the preliminary prospectus supplement will be issued by the Company under an Indenture between the Company and Wilmington Trust, National Association, as trustee (the “Trustee”), dated May 13, 2024 (the “Base Indenture”), as supplemented by a Second Supplemental Indenture between the Company and the Trustee, to be dated as of the issue date (the “Second Supplemental Indenture”). The Base Indenture, as supplemented by the Second Supplemental Indenture, shall be referred to herein as the “Indenture.” The Notes will be unsecured, subordinated obligations of the Company and:

As of June 30, 2026, on a consolidated basis, the Company’s outstanding deposits and other liabilities totaled approximately $22.8 billion, which includes approximately $22.4 billion of liabilities that would rank structurally senior to the Notes. In addition, as of June 30, 2026, the Company (at the holding company level) had no indebtedness that would rank senior to the Notes, $375.0 million aggregate principal amount of indebtedness that would rank pari passu to the Notes, and $60.5 million aggregate principal amount of indebtedness related to existing junior subordinated debentures underlying outstanding trust preferred securities that would rank junior to the Notes.

The Indenture will not limit the amount of additional indebtedness the Company or its subsidiaries may incur.

Piper Sandler & Co.

Keefe, Bruyette & Woods, Inc.