Wfs Receivables Corp 4 Sample Contracts

Wfs Receivables Corp 4 – INDENTURE (March 4th, 2004)

EXHIBIT 4.2 EXECUTION COPY ================================================================================ WFS FINANCIAL 2004-1 OWNER TRUST, as Issuer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee ------------------------------ INDENTURE Dated as of February 1, 2004 ------------------------- $1,477,500,000 Auto Receivable Backed Notes ================================================================================ TRUST INDENTURE ACT CROSS-REFERENCE CHART (this chart is

Wfs Receivables Corp 4 – ADMINISTRATION AGREEMENT (March 4th, 2004)

EXHIBIT 10.6 EXECUTION COPY ================================================================================ ADMINISTRATION AGREEMENT among WFS FINANCIAL 2004-1 OWNER TRUST, as Issuer, WESTCORP, as Administrator, WFS RECEIVABLES CORPORATION 4, as Seller, and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee Dated as of February 1, 2004 ================================================================================ TABLE OF CONTENTS

Wfs Receivables Corp 4 – TRUST AGREEMENT (March 4th, 2004)

EXHIBIT 4.1 EXECUTION COPY ================================================================================ AMENDED AND RESTATED TRUST AGREEMENT between WFS RECEIVABLES CORPORATION 4, and CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION, as Owner Trustee Dated as of February 27, 2004 ================================================================================ TABLE OF CONTENTS Page

Wfs Receivables Corp 4 – SALE AND SERVICING AGREEMENT (March 4th, 2004)

EXHIBIT 10.2 EXECUTION COPY ================================================================================ SALE AND SERVICING AGREEMENT among WFS FINANCIAL 2004-1 OWNER TRUST, as Issuer, WFS RECEIVABLES CORPORATION 4, as Seller, WESTCORP as Indemnifier, and WFS FINANCIAL INC, as Master Servicer Dated as of February 1, 2004 ================================================================================ TABLE OF CONTENTS

Wfs Receivables Corp 4 – STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT (January 29th, 2004)

Exhibit 25.1 -------------------------------------------------------------------------------- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 -------------------- FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) ------------------------------ DEUTSCHE BANK TRUST COMPANY AMERICAS (FORMERLY BANKERS TRUST COMPANY) (Exact name of trustee as specified in its charter) NEW YORK 13-4941247 (Jurisdicti

Wfs Receivables Corp 4 – TRUST AGREEMENT (July 2nd, 2003)

EXHIBIT 4.1 ================================================================================ AMENDED AND RESTATED TRUST AGREEMENT between WFS RECEIVABLES CORPORATION 4, and CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION, as Owner Trustee Dated as of , 200 ================================================================================ TABLE OF CONTENTS Page ---- ARTIC

Wfs Receivables Corp 4 – SALE AND SERVICING AGREEMENT (July 2nd, 2003)

EXHIBIT 10.2 ================================================================================ SALE AND SERVICING AGREEMENT among WFS FINANCIAL 2003-__ OWNER TRUST, as Issuer, WFS RECEIVABLES CORPORATION 4, as Seller, and WFS FINANCIAL INC, as Master Servicer Dated as of _______________ ___, 200__ ================================================================================ TABLE OF CONTENTS Page

Wfs Receivables Corp 4 – INDENTURE (July 2nd, 2003)

EXHIBIT 4.2 ================================================================================ WFS FINANCIAL 2003- OWNER TRUST, as Issuer, and , as Trustee ---------------------------- INDENTURE Dated as of , 200 ---------------------------- $ Auto Receivable Backed Notes ================================================================================ TABLE OF CONTENTS Page ----

Wfs Receivables Corp 4 – ADMINISTRATION AGREEMENT (July 2nd, 2003)

EXHIBIT 10.6 ================================================================================ ADMINISTRATION AGREEMENT among WFS FINANCIAL 2003- OWNER TRUST, as Issuer, WFS FINANCIAL INC, as Administrator, WFS RECEIVABLES CORPORATION 4, as Seller, and as Indenture Trustee Dated as of , 200 ================================================================================ TABLE OF CONTENTS Page

Wfs Receivables Corp 4 – REINVESTMENT CONTRACT (July 2nd, 2003)

Exhibit 10.1 REINVESTMENT CONTRACT AGREEMENT dated as of ___________, 200 by and among WESTERN FINANCIAL BANK, a federally chartered savings association (including its successors and assigns, the "Bank"), WFS FINANCIAL AUTO LOANS 2, INC., a California corporation (including its successors and assigns, "WFAL 2"), and ______________________, not in its individual capacity but solely in its capacity as trustee (the "Indenture Trustee"), under the Indenture dated as of ___________, 200 (the "Indenture"), between the Trust and the Indenture Trustee. R E C I T A L S The WFS Financial 2003- Owner Trust (the "Trust"), created by the Trust Agreement dated as of ___________, 200 , as amended and restated as of ___________, 200 , by and between WFS Receivables Corporation 4 and Chase Manhattan Bank USA, N.A., has issued Auto Receivable Backed Notes