-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, V1VrCeFigFw/5OX6kyhqaU2Cjd9znbx4TKwQO1LVAwHSe2Pm5VDSOfJ7FaN6R5lX UwFvxHqVvbJ2NGKSExTmug== 0000950148-03-001796.txt : 20030724 0000950148-03-001796.hdr.sgml : 20030724 20030723163940 ACCESSION NUMBER: 0000950148-03-001796 CONFORMED SUBMISSION TYPE: SC 13D/A PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20030723 GROUP MEMBERS: AMERICAN ASSETS, INC. GROUP MEMBERS: AVRETT ENTERPRISES, LTD. GROUP MEMBERS: CANPAC ENTERPRISES, LTD. GROUP MEMBERS: DHM TRUST GROUP MEMBERS: EVELYN SHIRLEY RADY GROUP MEMBERS: EXPLORER INSURANCE COMPANY GROUP MEMBERS: INSURANCE COMPANY OF THE WEST GROUP MEMBERS: MEMRAD HOLDINGS, LTD. GROUP MEMBERS: SILPIT INDUSTRIES CO., LTD. GROUP MEMBERS: WESTERN INSURANCE HOLDINGS, INC. SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: WESTCORP /CA/ CENTRAL INDEX KEY: 0000813461 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 510308535 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A SEC ACT: 1934 Act SEC FILE NUMBER: 005-40199 FILM NUMBER: 03798699 BUSINESS ADDRESS: STREET 1: 23 PASTEUR RD CITY: IRVINE STATE: CA ZIP: 92618-3804 BUSINESS PHONE: 7147271000 MAIL ADDRESS: STREET 1: 23 PASTEUR RD CITY: IRVINE STATE: CA ZIP: 92718-3804 FORMER COMPANY: FORMER CONFORMED NAME: WESTCORP INC DATE OF NAME CHANGE: 19900917 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: RADY ERNEST S ET AL CENTRAL INDEX KEY: 0001008243 IRS NUMBER: 545900349 FILING VALUES: FORM TYPE: SC 13D/A BUSINESS ADDRESS: STREET 1: 8144 PRESTWICK DR CITY: LA JOLLA STATE: CA ZIP: 92037 BUSINESS PHONE: 6193502600 MAIL ADDRESS: STREET 1: 8144 PRESTWICK DR CITY: LA JOLLA STATE: CA ZIP: 92037 SC 13D/A 1 v91565sc13dza.txt SCHEDULE 13D AMENDMENT #16 SCHEDULE 13D/A (RULE 13d-101) Information to be Included in Statements Filed Pursuant to Rule 13d-1(a) and Amendments Thereto Filed Pursuant to Rule 13d-2(a) SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Under the Securities Exchange Act of 1934 (Amendment No. 16)* WESTCORP _______________________________________________________________________________ (Name of Issuer) Common Stock, $1.00 Par Value _______________________________________________________________________________ (Title of Class of Securities) 957907108 _______________________________________________________________________________ (CUSIP Number) ERNEST S. RADY Chairman and Chief Executive Officer 23 Pasteur Irvine, California 92618 _______________________________________________________________________________ (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) July 7, 2003 _______________________________________________________________________________ (Date of Event which Requires Filing of this Statement) If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of Rule 13d-1(e), 13d-1(f) or 13d-1(g), check the following box [ ]. Note. Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule 13d-7 for other parties to whom copies are to be sent. *The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page. The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). CUSIP No. 957907108 13D Page 2 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON ERNEST S. RADY AND ERNEST S. RADY TRUST - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* PF - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CALIFORNIA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* OO + IN ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 3 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON EVELYN SHIRLEY RADY AND EVELYN SHIRLEY RADY TRUST - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* PF - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CALIFORNIA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* OO + IN ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 4 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON AVRETT ENTERPRISES, LTD. I.R.S. ID NO. (No I.R.S. ID No. as it is a Canadian corporation) - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CANADA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* CO ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 5 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON SILPIT INDUSTRIES CO., LTD. I.R.S. ID NO. (No I.R.S. ID No. as it is a Canadian corporation) - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CANADA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* CO ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 6 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON MEMRAD HOLDINGS, LTD. I.R.S. ID NO. (No I.R.S. ID No. as it is a Canadian corporation) - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CANADA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* CO ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 7 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON AMERICAN ASSETS, INC. I.R.S. ID NO. 95-249-3347 - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CALIFORNIA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* CO ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 8 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON CANPAC ENTERPRISES, LTD. I.R.S. ID NO. (No I.R.S. ID No. as it is a Canadian corporation) - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CANADA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* CO ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 9 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON WESTERN INSURANCE HOLDINGS, INC. I.R.S. ID NO. 95-2890041 - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CALIFORNIA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* IC ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 10 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON INSURANCE COMPANY OF THE WEST I.R.S. ID NO. 95-2769232 - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CALIFORNIA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* IC ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 11 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON EXPLORER INSURANCE COMPANY I.R.S. ID NO. 94-2784519 - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* WC - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION ARIZONA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* IC ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! CUSIP No. 957907108 13D Page 12 of 27 Pages ============================================================================== 1) NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON DHM Trust I.R.S. ID NO. 33-6003176 - ------------------------------------------------------------------------------ 2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [X] (b) [ ] - ------------------------------------------------------------------------------ 3) SEC USE ONLY - ------------------------------------------------------------------------------ 4) SOURCE OF FUNDS* PF - ------------------------------------------------------------------------------ 5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e) [ ] - ------------------------------------------------------------------------------ 6) CITIZENSHIP OR PLACE OF ORGANIZATION CANADA - ------------------------------------------------------------------------------ 7) SOLE VOTING POWER SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER NUMBER OF --------------------------------------------------------------- SHARES 8) SHARED VOTING POWER BENEFICIALLY OWNED BY EACH --------------------------------------------------------------- REPORTING 9) SOLE DISPOSITIVE POWER PERSON WITH SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER --------------------------------------------------------------- 10) SHARED DISPOSITIVE POWER - ------------------------------------------------------------------------------ 11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON SEE ITEM 5 INTEREST IN SECURITIES OF THE ISSUER - ------------------------------------------------------------------------------ 12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* [ ] - ------------------------------------------------------------------------------ 13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) Approximately 60.95% (based on 45,353,352 shares outstanding) - ------------------------------------------------------------------------------ 14) TYPE OF REPORTING PERSON* OO ============================================================================== *SEE INSTRUCTIONS BEFORE FILLING OUT! Item 1. Security and Issuer. Common Stock, $1.00 par value WESTCORP 23 Pasteur Road Irvine, CA 92618 Item 2. Identity and Background. ERNEST S. RADY AND ERNEST S. RADY TRUST (a) Ernest S. Rady and Ernest S. Rady, Trustee Mr. Rady's address is: 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 (b) The Trust's principal business address is: 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Attn: Ernest S. Rady, Trustee (c) Mr. Rady, the Trustee of the above referenced trust is the Chairman and Chief Executive Officer of the Issuer and is an executive officer and/or director of many of the reporting parties included in this Schedule 13D. (d) Current conviction during the last five years: None (e) Securities laws proceedings: None. (f) Citizenship: CANADA EVELYN SHIRLEY RADY AND EVELYN SHIRLEY RADY TRUST (a) Evelyn Shirley Rady and Ernest S. Rady, Trustee Mrs. Rady's address is: 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 (b) The Trust's principal business address is: 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Attn: Ernest S. Rady, Trustee (c) Mr. Rady, the Trustee of the above referenced trust is the Chairman and Chief Executive Officer of the Issuer and is an executive officer and/or director of many of the reporting parties included in this Schedule 13D. (d) Current conviction during the last five years: None (e) Securities laws proceedings: None (f) Citizenship: CANADA Page 13 of 27 Pages AVRETT ENTERPRISES, LTD. (a) Avrett Enterprises, Ltd. (b) The principal business address is: Avrett Enterprises, Ltd. 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) Canadian corporation. SILPIT INDUSTRIES CO., LTD. (a) Silpit Industries Co., Ltd. (b) The principal business address is: Silpit Industries Co., Ltd. 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) California corporation. MEMRAD HOLDINGS, LTD. (a) Memrad Holdings, Ltd. (b) The principal business address is: Memrad Holdings, Ltd. 903-213 Notre Dame Avenue Winnipeg, Manitoba Canada R3B 1N3 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) Canadian corporation. AMERICAN ASSETS, INC. (a) American Assets, Inc. (b) The principal business address is: American Assets, Inc. 11455 El Camino Real, Suite 200 San Diego, California 92130-2045 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) California corporation. Page 14 of 27 Pages CANPAC ENTERPRISES, LTD. (a) Canpac Enterprises, Ltd. (b) The principal business address is: Canpac Enterprises, Ltd. 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) Canadian corporation. WESTERN INSURANCE HOLDINGS, INC. (a) Western Insurance Holdings, Inc. (b) The principal business address is: Western Insurance Holdings, Inc. 11455 El Camino Real, Suite 200 San Diego, California 92130-2045 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) California corporation. INSURANCE COMPANY OF THE WEST (a) Insurance Company of the West (b) The principal business address is: Insurance Company of the West 11455 El Camino Real, Suite 200 San Diego, California 92130-2045 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) California corporation. EXPLORER INSURANCE COMPANY (a) Explorer Insurance Company (b) The principal business address is: Explorer Insurance Company 11455 El Camino Real, Suite 200 San Diego, California 92130-2045 (c) Current securities conviction during the last five years: None (d) Securities Laws proceedings: None (e) Arizona corporation. DHM TRUST (a) DHM Trust, Ernest S. Rady, Trustee Mr. Rady's address is: 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 (b) The Trust's principal business address is: 11455 El Camino Real San Diego, CA 92130-2045 Attn: Ernest S. Rady, Trustee (c) Mr. Rady, the Trustee of the above referenced trust is the Chairman and Chief Executive Officer of the Issuer and is an executive officer and/or director of many of the reporting parties included in the Schedule 13D. (d) Current conviction during last five years: None (e) Securities laws proceedings: None (f) Citizenship: Canada Identification of Members of the Group Ernest Rady (a) Ernest Rady The Ernest S. Rady Trust (a) Ernest S. Rady, Trustee Page 15 of 27 Pages The Evelyn Shirley Rady Trust (a) Ernest S. Rady, Trustee Avrett Enterprises, Ltd. (a) Avrett Enterprises, Ltd.
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- Sylvia Silverberg President, Director 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7 Evelyn Rady Vice President, Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Ernest S. Rady Vice President 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Nora Kaufman Secretary, Treasurer, Director 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7
Silpit Industries Co., Ltd.
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- (a) Silpit Industries Co., Ltd. David S. Kaufman President, Director 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7 Nora Kaufman Secretary, Treasurer, Director 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7
Page 16 of 27 Pages Evelyn Rady Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Sylvia Silverberg Director 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7 Allan Kaufman Director 70 Arthur Street Winnipeg, Manitoba Canada R3B 1G7
Memrad Holdings, Ltd.
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- (a) Memrad Holdings, Ltd. Ernest S. Rady President, Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Marjorie Blankstein Treasurer, Director 903-213 Notre Dame Avenue Winnipeg, Manitoba Canada R3B 1N3 Morley Blankstein Vice President 903-213 Notre Dame Avenue Winnipeg, Manitoba Canada R3B 1N3 Mindel Olenick Assistant Secretary, 903-213 Notre Dame Avenue Director Winnipeg, Manitoba Canada R3B 1N3 Thomas Z. Olenick Vice President 903-213 Notre Dame Avenue Winnipeg, Manitoba Canada R3B 1N3
Page 17 of 27 Pages Brian Hirsch Secretary 903-213 Notre Dame Avenue Winnipeg, Manitoba Canada R3B 1N3 American Assets, Inc. (a) American Assets, Inc., a California corporation
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- Ernest S. Rady Chairman of the Board, President 11455 El Camino Real, Suite 200 San Diego, CA 92130 Harry M. Rady Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 John W. Chamberlain Chief Executive Officer, Senior 11455 El Camino Real, Suite 200 Executive Vice President, Director San Diego, CA 92130-2045 Allen Garrett Executive Vice President, 11455 El Camino Real, Suite 200 Residential Properties San Diego, CA 92130-2045 James R. Cronemeyer Vice President, 11455 El Camino Real, Suite 200 Commercial Properties San Diego, CA 92130-2045 James Roherty Vice President - Construction 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Robert F. Barton Exec. Vice President, Chief Financial 11455 El Camino Real, Suite 200 Officer & Secretary San Diego, CA 92130-2045
Page 18 of 27 Pages Canpac Enterprises, Ltd. (a) Canpac Enterprises, Ltd.
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- Ernest S. Rady President, Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Brian Hirsch Secretary, Treasurer, Director 903-213 Notre Dame Avenue Winnipeg, Manitoba Canada R3B 1N3 David S. Kaufman Director 11455 El Camino Real #200 San Diego, CA 92130-2045
Western Insurance Holdings, Inc.
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- (a) Western Insurance Holdings, Inc. Ernest S. Rady Chairman of the Board, President 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Bernard M. Feldman Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 H. Michael Freet Senior Vice President, Treasurer, 11455 El Camino Real, Suite 200 Director San Diego, CA 92130-2045 James W. Austin III Secretary 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Mary E. Cannon Assistant Secretary 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Harry M. Rady Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 John L. Hannum Executive Vice President, Surety 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045
Page 19 of 27 Pages Insurance Company of the West (a) Insurance Company of the West
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- Ernest S. Rady Chairman of the Board, 11455 El Camino Real, Suite 200 President, Director San Diego, CA 92130-2045 Bernard M. Feldman Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Richard S. King Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Arne D. Wagner Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Bruce N. Moore Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 James B. Rathbun Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Charles E. Scribner Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Fredericka Taubitz Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 H. Michael Freet Senior Vice President, Treasurer 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 John L. Hannum Executive Vice President 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Kevin M. Prior Senior Vice President 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Harry M. Rady Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045
Page 20 of 27 Pages James W. Austin III Senior Vice President, Secretary and 11455 El Camino Real, Suite 200 General Counsel San Diego, CA 92130-2045 Gene P. Irizarry Senior Vice President, Chief Operating Officer 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Dennis E. Osgood Senior Vice President 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045
Page 21 of 27 Pages Explorer Insurance Company (a) Explorer Insurance Company
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- Ernest S. Rady Chairman of the Board, President, Director 11455 Camino Real, Suite 200 San Diego, CA 92130-2045 Bernard M. Feldman Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Frederick Bernard Tisovic Executive Vice President, Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 James W. Austin III Director, Assistant Secretary 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 H. Michael Freet Senior Vice President, Treasurer, Director 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 John L. Hannum Executive Vice President, Surety 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045 Mary E. Cannon Secretary 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045
Page 22 of 27 Pages DHM Trust (a) Ernest S. Rady Trustee
DHM TRUST (a) DHM Trust
Names and Addresses of Officers and Directors as of July 7, 2003 Title --------------------------------- ----- Ernest S. Rady Trustee 11455 El Camino Real, Suite 200 San Diego, CA 92130-2045
Item 3. Source and Amount of Funds and Other Consideration. The consideration paid for the securities purchased was cash from working capital. Item 4. Purpose of Transaction. Investment. Item 5. Interest in Securities of the Issuer This filing is for the cumulative share holdings of an affiliated group as of the close of business on July 7, 2003. The various entities named in this Schedule 13D directly or indirectly collectively owned, as of such date, 27,640,377 outstanding shares of Common Stock of the Issuer. As of July 7, 2003, there are 138,419 options exercisable by members of the affiliated group within 60 days. On July 8, 2003, the Issuer closed an underwritten public offering, in which 5,274,000 shares of Common Stock were sold to the public. Details regarding this public offering can be found in Westcorp's Prospectus, dated July 1, 2003. As of the close of business on July 8, 2003, the various entities named in this Schedule D directly or indirectly owned 60.95% of the outstanding shares of Common Stock of the Issuer. Exhibit A attached hereto and incorporated by this reference herein depicts the relationship among the various affiliated companies in the "Rady" group. There is no formal agreement to vote or dispose of the shares of the issuer in a particular manner. The dispositive and voting power of each of the trusts and companies shown on Exhibit A is made independent of each other, except to the extent that Mr. and Mrs. Rady may be trustees, shareholders, officers and/or directors of the various companies and in that respect are able to control the disposition and voting of the shares of the Issuer owned by each such company. Page 23 of 27 Pages Item 5. (continued) The following securities transactions occurred in the sixty (60) day period preceding July 7, 2003:
No. Date of Shares Purchaser Price - ----------------- --------- -------------------------- -------- 05/15/03 800 American Assets, Inc. $22.71 05/15/03 500 American Assets, Inc. $22.73 05/15/03 23,700 American Assets, Inc. $22.75 07/07/03 470,000 American Assets, Inc. $28.00 07/07/03 200,000 Ernest Rady Trust $28.00 07/07/03 10,000 Evelyn Shirley Rady Trust $28.00 07/07/03 20,000 DHM Trust $28.00
All shares purchased on July 7, 2003 were acquired pursuant to a share purchase agreement at a price equal to the price offered to the public pursuant to a concurrent underwritten public offering. Details regarding the public offering can be found in Westcorp's Prospectus dated as of July 1, 2003. Item 6. Contracts, Arrangements, Understandings or Relationships with Respect to Securities of the Issuer. SEE DISCUSSION UNDER ITEM 5 ABOVE Additionally, pursuant to the provisions of the Ernest S. Rady Trust, the Evelyn S. Rady Trust and the DHM Trust, Ernest S. Rady, as trustee, has the power to sell, buy, retain, invest and reinvest the trusts' assets, which include the shares of the Issuer's Common Stock. Item 7. Material to be Filed as Exhibits. Exhibit "A", Holding Company Structure, Westcorp, July 8, 2003. Page 24 of 27 Pages SIGNATURE After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. Ernest Rady Dated: July 23, 2003 /s/ ERNEST RADY -------------------------------------- Ernest Rady Ernest S. Rady Trust Dated: July 23, 2003 /s/ ERNEST S. RADY -------------------------------------- Ernest S. Rady, Trustee Evelyn Shirley Rady Trust Dated: July 23, 2003 /s/ ERNEST S. RADY -------------------------------------- Ernest S. Rady, Trustee American Assets, Inc. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ---------------------------------- Ernest S. Rady, Chairman Avrett Enterprises, Ltd. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady, Vice President Canpac Enterprises, Ltd. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ---------------------------------- Ernest S. Rady, President Insurance Company of the West Dated: July 23, 2003 By: /s/ ERNEST S. RADY ---------------------------------- Ernest S. Rady, Chairman Page 25 of 27 Pages Memrad Holdings, Ltd. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady, President Silpit Industries Co., Ltd. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady, Chairman Western Insurance Holdings, Inc. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady, Chairman Explorer Insurance Inc. Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady, Chairman DHM Trust Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady, Trustee Ernest S. Rady Dated: July 23, 2003 By: /s/ ERNEST S. RADY ----------------------------------- Ernest S. Rady Evelyn Shirley Rady Dated: July 23, 2003 By: /s/ EVELYN SHIRLEY RADY ----------------------------------- Evelyn Shirley Rady
Page 26 of 27 Pages EXHIBIT A HOLDING COMPANY STRUCTURE WESTCORP AS OF JULY 8, 2003 ----------------- ----------------- - -----------ERNEST RADY TRUST------------ /------EVELYN RADY TRUST / --- ---- / / ----------------------------- / / ----------------- / / / ----------------- / / / / / / / / / / / / 47.00% / 62.46%/ / /50.00% / / / / / / / / / / / ---------------------/ / / ------------------------ / / / MEMRAD HOLDINGS, LTD./ / / AVRETT ENTERPRISES, LTD.------ / / / ---------------------/ / / ------------------------ / / / / / / / /25.94% / / / / / / 11.69% / / / / / / / / / / / / 35.90% / / / / / / / / / / / / / / / / / -------------------------- 2.17% / / 10.58% / / / /---SILPIT INDUSTRIES CO. LTD. / / / / / / / -------------------------- / / / / / / / / 25.36% / / / / / / / ------------------------ / / / / /56.61% / /-----------CANPAC ENTERPRISES, LTD.---- / / / / / ------------------------ / / 9.56% / / / / / / / / /-----------------------------/------ 0.73% ------------- / / / / --------------------- / / / DHM TRUST / / / -------AMERICAN ASSETS, INC.--16.70%-------- / /------------ / / ---------------- / / / / / --------------------- / / / / / / / 86.89% / / / / / ------------------ -------------------------- / / / 0.62% / / / / / / / / /41.31% -------------------------- / / / / WESTERN INSURANCE HOLDINGS / / / / -------------------------- / / / / / / / / / / 100% / / / / / / / / / ----------------------------- / / / / ---------------------------------INSURANCE COMPANY OF THE WEST / / / / / ----------------------------- / / / / /8.39% / / / / / / / 100% / / / / / / / / / / / -------------------------- / / / / / ---------- 0.06% ----------------EXPLORER INSURANCE COMPANY / 1.01% / / / / / -------------------------- / / / / / / / / / ----------------- / / - --------------WESTCORP---------------------------------------------------------------------------- ----------------- / / 100% / ----------------- WESTERN FINANCIAL BANK -----------------
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