BankGuam Holding Company is a bank holding company providing a wide range of banking services through Bank of Guam, a wholly-owned subsidiary, and principal asset. The Bank provides a variety of financial services to individuals, businesses and government entities through its branch network. The Bank’s primary deposit products are demand deposits, savings and time certificates of deposit, and its primary lending products are consumer, commercial and real estate loans. The Bank attracts deposits throughout its market area with a customer-oriented product mix, competitive pricing, and convenient locations. Bank of Guam lends in all markets where it has a physical presence through its branch network. Bank of Guam also provides many other financial services to its customers, including trade financing and trust services. In addition to the traditional financial services offered, the Bank offers credit life, health, auto and homeowners insurance through its subsidiary, BG Insurance, as agents for various insurance companies, and also offered retail wealth management services in collaboration with its former affiliate, Money Concepts.