<PAGE> 1
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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D/A
Under the Securities Exchange Act of 1934
AMENDMENT NO. 12 on Schedule 13D
WESTCORP
--------------------------------------------------------
(Name of Issuer)
Common Stock, $1.00 Par Value
--------------------------------------------------------
(Title of Class of Securities)
957907108
--------------------------------------------------------
(CUSIP Number)
ERNEST S. RADY
President
23 Pasteur Road
Irvine, California 92618
--------------------------------------------------------
(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)
February 18, 2000
--------------------------------------------------------
(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 which is the subject of this Schedule 13D, and is filing this
schedule because of Rule 13d-1(b)(3) or (4), check the following box [ ].
Check the following box if a fee is being paid with the statement [ ]. (A fee
is not required only if the reporting person: (1) has a previous statement on
file reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)
Note: Six copies of this statement, including all exhibits, should be filed
with the Commission. See Rule 13d-1(a) 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).
Continued on following page(s))
Page 1 of 27 Pages
<PAGE> 2
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
Social Security No. ###-##-####
- ------------------------------------------------------------------------------
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
OO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 3
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
Social Security No. ###-##-####
- ------------------------------------------------------------------------------
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
OO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 4
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 5
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 6
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 7
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 8
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 9
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
IC
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 10
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
IC
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 11
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
IC
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 12
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 66.9% (based on 26,597,344 shares outstanding)
- ------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
OO
==============================================================================
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 13
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:
8144 Prestwick Drive
La Jolla, CA 92037
(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,
President 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
EVERLY SHIRLEY RADY AND EVELYN SHIRLEY RADY TRUST
(a) Evelyn Shirley Rady and Ernest S. Rady, Trustee
Mrs. Rady's address is:
8144 Prestwick Drive
La Jolla, CA 92037
(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,
President 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
<PAGE> 14
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
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
<PAGE> 15
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
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
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
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:
8144 Prestwick Drive
La Jolla, CA 92037
(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,
President 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
<PAGE> 16
The Evelyn Shirley Rady Trust
(a) Ernest S. Rady, Trustee
Avrett Enterprises, Ltd.
(a) Avrett Enterprises, Ltd.
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
Sylvia Silverberg President, Director
70 Arthur Street
Winnipeg, Manitoba
Canada R3B 1G7
Evelyn Rady Vice President, Director
8144 Prestwick Drive
La Jolla, CA 92037
Ernest S. Rady Vice President
8144 Prestwick Drive
La Jolla, CA 92037
Nora Kaufman Secretary, Treasurer, Director
70 Arthur Street
Winnipeg, Manitoba
Canada R3B 1G7
</TABLE>
Silpit Industries Co., Ltd.
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
(a) Silpit Industries Co., Ltd.
<S> <C>
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
</TABLE>
Page 16 of 27 Pages
<PAGE> 17
<TABLE>
<S> <C>
Evelyn Rady Director
8144 Prestwick Drive
La Jolla, CA 92037
Sylvia Silverberg Director
70 Arthur Street
Winnipeg, Manitoba
Canada R3B 1G7
Allan Kaufman Director
70 Arthur Street
Winnipeg, Manitoba
Canada R3B 1G7
</TABLE>
Memrad Holdings, Ltd.
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
(a) Memrad Holdings, Ltd.
Ernest S. Rady President, Director
8144 Prestwick Drive
La Jolla, CA 92037
Marjorie Blankstein Vice President, 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 Secretary, Treasurer, Director
903-213 Notre Dame Avenue
Winnipeg, Manitoba
Canada R3B 1N3
Thomas Z. Olenick Vice President
903-213 Notre Dame Avenue
Winnipeg, Manitoba
Canada R3B 1N3
</TABLE>
Page 17 of 27 Pages
<PAGE> 18
Brian Hirsch Secretary
903-213 Notre Dame Avenue
Winnipeg, Manitoba
Canada R3B 1N3
American Assets, Inc.
(a) American Assets, Inc., a California corporation
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
Ernest S. Rady Chairman of the Board, President
8144 Prestwick Drive
La Jolla, CA 92037
Harry M. Rady Director, Chief Investment Officer
11455 El Camino Real
San Diego, CA 92130-2045
Bernard M. Feldman Director
11455 El Camino Real
San Diego, CA 92130-2045
John J. Chamberlain Chief Executive Officer, Senior
11455 El Camino Real Executive Vice President
San Diego, CA 92130-2045
Allen Garrett Executive Vice President
11455 El Camino Real
San Diego, CA 92130-2045
James R. Cronemeyer Vice President, Commercial
11455 El Camino Real Property Management
San Diego, CA 92130-2045
James Roherty Vice President - Construction
11455 El Camino Real
San Diego, CA 92130-2045
Robert F. Barton Executive Vice President,
11455 El Camino Real Chief Financial Officer &
San Diego, CA 92130-2045 Secretary
</TABLE>
Page 18 of 27 Pages
<PAGE> 19
Canpac Enterprises, Ltd.
(a) Canpac Enterprises, Ltd.
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
Ernest S. Rady President, Director
8144 Prestwick Drive
La Jolla, CA 92037
Brian Hirsch Secretary, Treasurer, Director
903-213 Notre Dame Avenue
Winnipeg, Manitoba
Canada R3B 1N3
</TABLE>
Western Insurance Holdings, Inc.
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C> <C>
(a) Western Insurance Holdings, Inc.
Ernest S. Rady Chairman of the Board
8144 Prestwick Drive
La Jolla, CA 92037
Bernard M. Feldman President, Director
11455 El Camino Real
San Diego, CA 92130-2045
H. Michael Freet Senior Vice President, Treasurer,
11455 El Camino Real Director
San Diego, CA 92130-2045
James W. Austin III Secretary
11455 El Camino Real
San Diego, CA 92130-2045
</TABLE>
Page 19 of 27 Pages
<PAGE> 20
Insurance Company of the West
(a) Insurance Company of the West
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
Ernest S. Rady Chairman of the Board
8144 Prestwick Drive
La Jolla, CA 92037
Bernard M. Feldman President, Director
11455 El Camino Real
San Diego, CA 92130-2045
Richard S. King Director
11455 El Camino Real
San Diego, CA 92130-2045
Michael F. McAuliffe Director
11455 El Camino Real
San Diego, CA 92130-2045
Bruce N. Moore Director
11455 El Camino Real
San Diego, CA 92130-2045
James B. Rathbun Director
11455 El Camino Real
San Diego, CA 92130-2045
Charles E. Scribner Director
11455 El Camino Real
San Diego, CA 92130-2045
David S. Kaufman Director
11455 El Camino Real
San Diego, CA 92130-2045
H. Michael Freet Senior Vice President, Treasurer
11455 El Camino Real
San Diego, CA 92130-2045
John L. Hannum Executive Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Francisco Antonio Vice President
11455 El Camino Real
San Diego, CA 92130-2045
James Douglas Browne Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Bill J. King Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Charles T. Mosteller Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Kenyon L. Oliver Resident Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Kevin M. Prior Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Carol A. Pringle Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Mark L. Richardson Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Donna L. Roderick Vice President
11455 El Camino Real
San Diego, CA 92130-2045
</TABLE>
Page 20 of 27 Pages
<PAGE> 21
<TABLE>
<S> <C>
James A. Currie Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
John A. Difalco Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Rory Read Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Walter F.A. Prayer Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
James W. Austin III Vice President, Secretary and
11455 El Camino Real General Counsel
San Diego, CA 92130-2045
Fariborz Rostamian Vice President, Controller
11455 El Camino Real
San Diego, CA 92130-2045
H. Edward Hire Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Gene P. Irizarry Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Leslie M. Obayashi Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Dennis E. Osgood Senior Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Bruce J. Schryver Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Bill J. King Vice President
11455 El Camino Real
San Diego, CA 92130-2045
David M. Geier Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Dennis E. Osgood Vice President
11455 El Camino Real
San Diego, CA 92130-2045
James Douglas Browne Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Alex T. Stephens Vice President
11455 El Camino Real
San Diego, CA 92130-2045
</TABLE>
Page 21 of 27 Pages
<PAGE> 22
Explorer Insurance Company
(a) Explorer Insurance Company
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
Ernest S. Rady Chairman of the Board
8144 Prestwick Drive
La Jolla, CA 92037
Bernard M. Feldman President, Director
11455 El Camino Real
San Diego, CA 92130-2045
Frederick Bernard Tisovic Executive Vice President, Director
11455 El Camino Real
San Diego, CA 92130-2045
James W. Austin III Director
11455 El Camino Real
San Diego, CA 92130-2045
H. Michael Freet Senior Vice President, Treasurer, Director
11455 El Camino Real
San Diego, CA 92130-2045
John L. Hannum Executive Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Gene P. Irizarry Vice President
11455 El Camino Real
San Diego, CA 92130-2045
</TABLE>
Page 22 of 27 Pages
<PAGE> 23
<TABLE>
<S> <C>
John A. Difalco Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Fariborz Rostamian Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Raimundo Ruiz Vice President
11455 El Camino Real
San Diego, CA 92130-2045
Mary E. Cannon Secretary
11455 El Camino Real
San Diego, CA 92130-2045
DHM Trust
(a) Ernest S. Rady Trustee
</TABLE>
DHM TRUST
(a) DHM Trust
<TABLE>
<CAPTION>
Names and Addresses of Officers
and Directors as of February 18, 2000 Title
------------------------------------- -----
<S> <C>
Ernest S. Rady Trustee
8144 Prestwick Drive
La Jolla, CA 92037
</TABLE>
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 February 18, 2000. The various entities named in
this Schedule 13D directly or indirectly collectively owned, as of such date,
17,782,586 outstanding shares of Common Stock of the Issuer, representing 66.9%
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
Schedule A is made independent of the other, except to the extent that Mr. and
Mrs. Rady may be shareholders, officers and/or directors of the various
companies and in that respect are able to control disposition and voting of the
shares of the Issuer owned by each such company.
Page 23 of 27 Pages
<PAGE> 24
Item 5. (continued)
The following securities transactions occurred in the sixty (60) day
period preceding February 18, 2000:
<TABLE>
<CAPTION>
Date No. Shares Purchaser Price
- ----------------- ---------- --------------------- --------
<S> <C> <C> <C>
February 1, 2000 600 American Assets, Inc. 11.38
February 2, 2000 2,500 American Assets, Inc. 11.70
February 4, 2000 6,000 American Assets, Inc. 12.44
February 8, 2000 500 American Assets, Inc. 11.94
February 10, 2000 3,600 American Assets, Inc. 11.38
February 15, 2000 3,800 American Assets, Inc. 11.50
February 17, 2000 800 American Assets, Inc. 12.31
</TABLE>
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 and
the Evelyn S. Rady 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.
NONE
Page 24 of 27 Pages
<PAGE> 25
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: February 18, 2000 /s/ ERNEST RADY
--------------------------------------
Ernest Rady
Ernest S. Rady Trust
Dated: February 18, 2000 /s/ ERNEST S. RADY
--------------------------------------
Ernest S. Rady, Trustee
Evelyn Shirley Rady Trust
Dated: February 18, 2000 /s/ ERNEST S. RADY
--------------------------------------
Ernest S. Rady, Trustee
American Assets, Inc.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
----------------------------------
Ernest S. Rady, Chairman
Avrett Enterprises, Ltd.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
-----------------------------------
Ernest S. Rady, Vice President
Canpac Enterprises, Ltd.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
----------------------------------
Ernest S. Rady, President
Insurance Company of the West
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
----------------------------------
Ernest S. Rady, Chairman
Page 25 of 27 Pages
<PAGE> 26
<TABLE>
<S> <C>
Memrad Holdings, Ltd.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
-----------------------------------
Ernest S. Rady, President
Silpit Industries Co., Ltd.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
-----------------------------------
Ernest S. Rady, Chairman
Western Insurance Holdings, Inc.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
-----------------------------------
Ernest S. Rady, Chairman
Explorer Insurance Inc.
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
-----------------------------------
Ernest S. Rady, Chairman
DHM Trust
Dated: February 18, 2000 By: /s/ ERNEST S. RADY
-----------------------------------
Ernest S. Rady, Trustee
</TABLE>
Page 26 of 27 Pages
<PAGE> 27
Exhibit A
Organizational Chart of Rady Entities Beneficially
Holding Shares in Westcorp as of February 18, 2000
HOLDING COMPANY STRUCTURE
----------------- -----------------
- -----------Ernest Rady Trust----------- Evelyn Rady Trust-------
/ --- ---- / ------/-----------
/ / ----------------- / / ----------------- / /
/ / / / / / / /
/ / / 47% / / / 50% 25.9% /
/ / / / / / / /
/ / ---------------------/ / ------------------------ / /
/ / Memrad Holdings, Ltd./ / Avrett Enterprises, Ltd.------ /
/ / ---------------------/ / ------------------------ / / /
/ / / / / / / / /
/ / / 62.5% 62.50% / / / /
/ / / / / / 35.9% / / /
/ / 56.61% / / / / / /
/ / / / / -------------------------- / 2.2% /
/ 10.32% / / / Silpit Industries Co. Ltd.-- / /
/ / / / / -------------------------- / /
/ / / / / / 25.4% / /
/ / / / / ------------------------ / /
/ / / -------/-----Canpac Enterprises, Ltd.---- /
/ / / / ------------------------ /
/ / / / / /
/ / / ----------------/------ /
/ / / --------------------- / / /
6.7% / -------American Assets, Inc.-- 16.7%-- / /
/ ---------------- / /
/ --------------------- / /
/ 51% / 88% / /
/ ----------------------------------------- / 0.7%
/ / / / /
/ / --------------------- /
/ / Western Ins. Holdings /
/ / --------------------- /
/ / / /
/ / / 100% /
/ / / /
/ / ------------------------- /
/ / ----------- 7.1% -------- Insurance Co. of the West /
/ --------- / / ------------------------- /
/ DHM Trust / / / /
/ .7% / / / 100% /
/ --------- / / / /
/ / / / ---------------------- /
/ / / / ---------- 0.1% --------- Explorer Insurance Co. /
/ / / / / ---------------------- /
/ / / / / /
/ /--------------- /
- --------------Westcorp----------------------------------------------------------
--------
/
/ 100%
/
-----------------
Western Financial
Bank
-----------------
Page 27 of 27 Pages
