美国金融美股招股说明书(2025-09-17版)

We are offering $350,000,000 aggregate principal amount of 5.000% senior notes due 2035 (the “senior notes”). Interest onthe senior notes is payable semi-annually in arrears on March 23 and September 23 of each year, beginning on March 23, 2026. Thesenior notes will mature on September 23, 2035. We may redeem some or all of the notes at any time, and from time to time, at the applicable redemption prices described inthis prospectus supplement. See “Description of Senior Notes — Optional Redemption of the Senior Notes.” The senior notes will be unsecured senior obligations of our company and will rank equally with all of our other unsecuredsenior indebtedness. The senior notes will be issued only in registered form in denominations of $2,000 and integral multiples of$1,000 in excess thereof. The senior notes are a new issue of securities with no established trading market. We do not intend to apply to list the seniornotes on any securities exchange or on any automated dealer quotation system. Investing in the senior notes involves risks that are described in “Risk Factors” beginning on page S-4of thisprospectus supplement, page3of the accompanying prospectus and in Item1A “Risk Factors” beginning on page 17 of ourAnnual Report on Form10-K for the year ended December31, 2024. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved ofthese securities or determined if this prospectus supplement or the accompanying prospectus is truthful or complete. Anyrepresentation to the contrary is a criminal offense. TABLE OF CONTENTS This document consists of two parts. The first part is this prospectus supplement, which describes thespecific terms of our offering of the senior notes. The second part is the accompanying prospectus, whichforms a part of the registration statement and provides more general information, some of which may not beapplicable to this offering. This prospectus supplement and the accompanying prospectus include importantinformation about us, the senior notes and other information you should know before investing in the seniornotes. This prospectus supplement also adds, updates and changes information contained in theaccompanying prospectus. If there is any inconsistency between the information in this prospectussupplement and the accompanying prospectus, you should rely on the information in this prospectussupplement. You will find additional information about us in the registration statement and in the documentsincorporated by reference herein. Any statements made in this prospectus supplement or the accompanyingprospectus concerning the provisions of legal documents are not necessarily complete and you should read thedocuments that are filed as exhibits to the registration statement or otherwise filed with the SEC for a morecomplete understanding of the document or matter. Before investing in the senior notes, you should carefully read both this prospectus supplement and theaccompanying prospectus, together with the additional information described under “Where You Can FindMore Information” and “Incorporation of Certain Documents by Reference” in this prospectus supplement. You should rely only on the information contained or incorporated by reference in this prospectussupplement and the accompanying prospectus and in any free writing prospectus we authorize thatsupplements this prospectus supplement. We have not, and the underwriters have not, authorized any otherperson to provide you with different information or make any representations other than those contained orincorporated by reference in this prospectus supplement. If anyone other than us provides you with differentor inconsistent information, you should not rely on it. We take no responsibility for, and can provide noassurance as to the reliability of, any other information that others may give you. We are not, and theunderwriters are not, making an offer to sell the notes in any jurisdiction in which an offer or solicitation isnot authorized or in which the person making such offer or solicitation is not qualified to do so or to anyoneto whom it is unlawful to make an offer or solicitation. You should assume that the information appearing inthis prospectus supplement and the accompanying prospectus and the documents incorporated by referenceis accurate only as of their respective dates. Our business, financial condition, results of operations andprospects may have changed since those dates. IMPORTANT NOTICES Notice to Prospective Investors in the European Economic Area None of this prospectus supplement and the accompanying prospectus is a prospectus for the purposes ofRegulation (EU) 2017/1129, as amended (the “Prospectus Regulation”). This prospectus supplement and theaccompanying prospectus have been prepared on the basis that any offer of the senior notes in any Member State ofthe European Economic Area (the “EEA”) will only be made to a legal entity which is a qual