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First BanCorp operates as the holding company for FirstBank Puerto Rico, which provides various financial services in Puerto Rico, the U.S. Virgin Islands, and British Virgin Islands. The bank attracts various deposits, including checking accounts, savings accounts, certificates of deposit, and interest bearing and noninterest bearing accounts. It originates residential real-estate loans, commercial real-estate loans, and construction loans, as well as consumer loans that comprise personal, auto, boat, credit card, and small loans. The bank, through its subsidiaries, provides finance leases, vehicle rental, insurance products, and foreign sales corporation management services. In addition, the company offers insurance products and services through its other wholly owned subsidiary, FirstBank Insurance Agency, Inc. Further, First BanCorp invests in Puerto Rico government obligations, the U.S. treasury securities, obligations of other U.S. government agencies, mortgage-backed securities, corporate bonds, and equity securities. The company is headquartered in Santurce, Puerto Rico.