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Sites may include, but not limited to: government offices and services, embassies and consulates of foreign countries , elected officials, law enforcement, military agencies, and related governmental resources.

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It is the parent company of
FirstBank Puerto Rico, a state-chartered commercial bank in Puerto Rico, the
Virgin Islands and Florida; of FirstBank Insurance Agency; and Ponce General
Corporation. The Corporation operates a total of
137 financial service facilities throughout Puerto Rico, the U.

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licensing christensen

DWR: 168 Proposals Accepted for 2004 Water Use Efficiency Proposal Solicitation Package

Business Editors/Environment Writers/Government Writers

SACRAMENTO, Calif.8 billion in assets, First BanCorp is the second largest
Financial Holding Company in Puerto Rico. First BanCorp, FirstBank Puerto Rico and UniBank all operate
within U.S. and British
Virgin Islands and Florida.

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Funding available for the 2004 PSP is $34 million with 50% for
agricultural and 50% for urban water use efficiency projects.gov/finance/index.

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Among the subsidiaries of FirstBank Puerto Rico is
Money Express, a finance company; First Leasing and Car Rental, a car and
truck rental leasing company; and FirstMortgage , a mortgage banking company.

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owue.

First BanCorp Declares Quarterly Dividend

With $18.

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- ---The Department
of Water Resources has accepted 168 of 174 proposals (for 106 urban
and 62 agricultural projects) seeking grants through the 2004 Water
Use Efficiency Proposal Solicitation Package (PSP ).
In the U.

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The complete list of PSP proposals accepted from cities, counties,
water agencies, non-profit organizations and other entities will be
posted on the DWR website at:
http: //www.

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SAN JUAN, Puerto Rico, First BanCorp
(NYSE: FBP) announced today that its Board of Directors declared a quarterly
dividend of 7 cents per share on its outstanding common stock, to be paid on
September 30, 2005, to stockholders of record as of September 15, 2005.

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publicly obtaining

This
grant program implements Chapter 7(g) of Proposition 50, the Water
Security, Clean Drinking Water, Coastal and Beach Protection Act of
2002. banking laws and regulations.
The Corporation's common and preferred shares trade on the New York Stock
Exchange under the symbols FBP, FBPPrA, FBPPrB, FBPPrC, FBPPrD and FBPPrE.

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, a foreign corporation management
company; and First Express, a small loan company .

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On October 1, 2004, the Bank opened a loan office
in Coral Gables, Florida. and British Virgin Islands, the Bank operates FirstBank Insurance
VI, an insurance agency; First Trade, Inc.