FIRST AMENDMENT TO THE TRAVEL SERVICES AGREEMENT

                                                                 EXHIBIT 10.15.1

                             FIRST AMENDMENT TO THE
                            TRAVEL SERVICES AGREEMENT

         This First Amendment to the Travel Services Agreement ("First
Amendment"), is made effective as of July 16, 2003, by and between Westran
Services Corp., a California corporation ("Westran"), and Westcorp, a California
corporation ("Westcorp"), Western Financial Bank, a federally chartered savings
bank (the "Bank"), WFS Financial Inc, a California corporation ("WFS"), WestFin
Insurance Agency, Inc., a California company ("WFIA"), and WestFin Securities
Corporation, a California company ("WestFin") ("Companies" or in the singular
"Company").

                                     RECITAL

         Whereas the Companies have entered into a Travel Services Agreement on
August 28, 2002; and

         Whereas the Companies desire to reflect changes to the hourly rate
structure pursuant to the acquisition of a new corporate aircraft.

                                    AGREEMENT

         Now therefore, in consideration of the mutual promises set forth
herein, and in reliance upon the recital set forth above, the parties agree as
follows:

1.       Time and Method of Payment:

         Section 3.1. The second sentence is amended to read:

                  "The current rate is $2,388 per hour for use by a company
                  within the Westcorp family of companies."

         Except as specifically amended herein, all terms of the Agreement shall
remain in full force and effect.

                         [Signatures on following page]






         In Witness Whereof, the undersigned have executed this Agreement on the
date set forth below to be effective as of the date first set forth above.

August __, 0000

XXXXXXX SERVICES CORP                        WESTCORP

By: _____________________________            By: _______________________________

WFS FINANCIAL INC                            WESTERN FINANCIAL BANK

By: _____________________________            By: _______________________________

WESTFIN INSURANCE AGENCY, INC.

By: _____________________________