0000892569-05-000124 Sample Contracts

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Security Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
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Revolving Line of Credit Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
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Services Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
R E C I T A L S
Collateral Assignment Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions • California
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Short Term Investment Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
FIRST AMENDMENT TO THE
Master Tax Sharing Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
FIRST AMENDMENT TO THE MASTER ALLOCATION AGREEMENT
Master Allocation Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
EXHIBIT 10.48 SERVICING AGREEMENT
Servicing Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions • California
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Master Travel Services Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions • California
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Westcorp Executive Deferral Plan v Participation Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
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Westcorp Esop and Salary Savings Plan Participation Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions

THIS FIRST AMENDMENT TO THE WESTCORP ESOP AND SALARY SAVINGS PLAN PARTICIPATION AGREEMENT, among Westcorp, a California corporation, (hereinafter referred to as the "the Plan Sponsor"), and the following subsidiaries: Western Financial Associate Solutions, a California corporation, Western Financial Bank, a federally chartered savings bank, WFS Financial Inc, a California corporation, WestFin Insurance Agency, Inc., a California corporation, WFS Receivables Corporation, a Nevada corporation, and Westran Services corporation, a California corporation (each individually referred to as "Subsidiary" and collectively referred to as "Subsidiaries"), and the Administrative committee, on behalf of the Westcorp ESOP and Salary Savings Plan (the "Plan"), is effective as of December 1, 2004.

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Cafeteria Plan With Flexible Spending Arrangement Participation Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions

THIS FIRST AMENDMENT TO THE WESTCORP CAFETERIA PLAN WITH FLEXIBLE SPENDING ARRANGEMENT PARTICIPATION AGREEMENT, among Westcorp, a California corporation, (hereinafter referred to as the "the Plan Sponsor"), and the following subsidiaries: Western Financial Associate Solutions, a California corporation, Western Financial Bank, a federally chartered savings bank, WFS Financial Inc., a California corporation, WestFin Insurance Agency, Inc., a California corporation, WFS Receivables Corporation, a Nevada corporation, and Westran Services corporation, a California corporation (each individually referred to as "Subsidiary" and collectively referred to as "Subsidiaries"), and the BENEFIT PLAN COMMITTEE, on behalf of the Westcorp Cafeteria Plan with Flexible Spending Arrangements (the "Plan"), is effective as of December 1, 2004.

WITH
Cafeteria Plan Participation Agreement • March 14th, 2005 • WFS Financial Inc • Personal credit institutions
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