0000950133-02-003068 Sample Contracts

5,300,000 Shares Common Stock Par Value $1.00 Per Share UNDERWRITING AGREEMENT
Underwriting Agreement • August 21st, 2002 • W Holding Co Inc • State commercial banks • New York

UBS Warburg LLC Brean Murray & Co., Inc. Keefe, Bruyette & Woods, Inc. As Representatives of the Several Underwriters c/o UBS Warburg LLC 299 Park Avenue New York, New York 10171-0026

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