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EXHIBIT 20.3

March 31, 2003

|                                                                                                                                                                   |  |                                                                                                                              
|------------------------------------------------------------------------------------------------------------------------------------------------------------------ |  | -----------------------------------------------------------------------------------------------------------------------------
|Chase Manhattan Bank USA National
Association
c/o JP Morgan Chase
Institutional Trust Services
500 Stanton Christiana Road, OPS4, 3rd Floor
Newark, Delaware 19713 |  | Financial Security Assurance, Inc.
Senior Vice President, Transaction
Oversight Department
350 Park Avenue
New York, NY 10022
|                                                                                                                                                                   |  |                                                                                                                              
|Deutsche Bank Trust Company Americas
Corporate Trust & Agency Services 
Structured Finance Services
280 Park Avenue, 9th Floor
New York, NY 10017                 |  | Moodys Investors Services, Inc.
ABS Monitoring Department
99 Church Street
New York, NY 10007                               
|                                                                                                                                                                   |  |                                                                                                                              
|Bank of America, N.A
Swap Operations
Sears Tower
233 South Wacker Drive, Suite 2800
Chicago, IL 60606-6306                                                         |  | Standard & Poors Rating Services
Asset Backed Surveillance Department
55 Water Street
New York, NY 10041                    
|                                                                                                                                                                   |  |                                                                                                                              
|Bank of America, N.A.
Capital Markets Department
315 Montgomery Street, CA5-704-10-25
San Francisco, CA 94104                                                      |  |                                                                                                                              

Re:       Annual Statement as to Compliance for WFS Financial 2002-1 Owner Trust

Dear Sir or Madam:

OFFICERS CERTIFICATE

Pursuant to Section 4.10 of the Sale and Servicing Agreement (Agreement)
dated as of
June 1, 1998, and to Section 3.09 of the Indenture (Indenture), dated as of
the same date, the undersigned officers of WFS Financial Inc (the Master
Servicer) certify that:

(i)  a review of the activities of the Master Servicer since the closing
date and of its performance under the Agreement and the Indenture has been made
under such officers supervision, and





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(ii)  to the best of such officers knowledge, based on such review, the
Master Servicer has fulfilled all its obligations under the Agreement and the
Indenture throughout such year and that no default under the Agreement or the
Indenture has occurred.

|                                                |  |                                                  
|----------------------------------------------- |  | -------------------------------------------------
|/s/   Mark Olson                                |  | /s/   J. Keith Palmer                            
|Mark Olson
Senior Vice President and Controller |  | J. Keith Palmer
Senior Vice President & Treasurer



|cc: |  | A. Katz, Esq.
|--- |  | -------------