W Holding Company, Inc. is a financial holding company offering a full range of financial services through its wholly owned subsidiaries, Westernbank Puerto Rico (the Bank) and Westernbank Insurance, Corp. The business of the Company is mainly conducted through the Bank, a chartered commercial bank that offers a full array of business and consumer financial services, including banking, trust and brokerage services. Westernbank Insurance, Corp. is a general insurance agent placing property-casualty, life and disability insurance. The Bank operates through 35 full-service branch offices located throughout Puerto Rico, primarily in the Southwestern portion of the island, and a fully functional banking site on the Internet at www.westernetbank.com.