# **Exhibit 99.3**

 

# **Assertion ofManagement of Wells Fargo Financial, Inc.**

# ** **

As of December 31, 2005and for the period from June 16, 2005 through December 31, 2005,Wells Fargo Financial, Inc. has complied in all material respects with thefollowing minimum servicing standards related to servicing of the Wells FargoFinancial Auto Owner Trust 2005-A portfolio:

 

I.              CUSTODIALBANK ACCOUNTS

 

A.            Reconciliations have been preparedon a monthly basis for all custodial bank accounts and related bank clearingaccounts.  These reconciliations are:

 

1.             mathematicallyaccurate;

 

2.             prepared withinforty-five (45) calendar days after the cut-off date;

 

3.                                       reviewed and approved by someone other thanthe person who prepared the reconciliation; and

 

4.                                       documented sufficiently to provideexplanations for reconciling items.  Thesereconciling items have beenresolved within ninety (90) calendar days of their original identification.

 

B.            Funds of the servicing entity havebeen advanced, if necessary, in cases where there was an overdraft in aninvestor’s or a borrower’s account.

 

C.            Each custodial account is maintainedat a federally insured depository institution in trust for the applicableinvestor.

 

II.            AUTOLOAN PAYMENTS

 

A.            Auto loan payments have beendeposited into the custodial bank accounts and related bank clearing accountswithin two (2) business days of receipt.

 

B.            Auto loan payments made inaccordance with the borrower’s loan documents have been posted to theapplicable records within two (2) business days of receipt.

 

C.            Auto loan payments have beenallocated to principal, interest, or other items in accordance with theborrower’s loan documents.

 

D.            Auto loan payments identified asloan payoffs have been allocated in accordance with the borrower’s loandocuments.

 

III.           DISBURSEMENTS

 

A.            Disbursements made via wire transferon behalf of a borrower or investor have been madeonly by authorized personnel.

 

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B.            Disbursements made on behalf of aborrower or investor have been posted on the paymentdate as set forth in the Sale and Servicing Agreement to the investors’ recordsmaintained by the servicing entity.

 

C.            Amounts remitted to investors perthe servicing entity’s investor reports agree with the wires and bankstatements.

 

IV.           INVESTORACCOUNTING AND REPORTING

 

A.            The servicing entity’s investorreports agree with, or reconcile to, investors’ records on a monthly basis asto the total unpaid principal balance and number of loans serviced by the servicingentity.

 

V.            DELINQUENCIES

 

A.            Records documenting collection effortshave been maintained during the period a loan is in default and have beenupdated at least monthly.  Such recordsdescribe the servicing entity’s activities in monitoring delinquent loans.

 

VI.           INSURANCEPOLICIES

 

A.            A professional liability policy hasbeen in effect on the servicing entity throughout the reporting period in theamount of $50 million.

 

 
| By:    | /s/ Eric T. Torkelson                       |   |   | By:                     | /s/ Dean R. Anderson |   |
|--------|---------------------------------------------|--------|--------|-------------------------|----------------------|--------|
| Name:  |  Eric T.  Torkelson                    |   | Name:  |  Dean R.  Anderson |
| Title: |  Senior Vice  President and Controller |   | Title: |  Vice  President   |

 

 

March 3, 2006

 

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