Document:

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                                                                    EXHIBIT 10.4

                               RETENTION AGREEMENT

     This Agreement is made this 17th day of February, 2004, by and between
Sensytech, Inc., a Delaware corporation (the "Company"), and S. Kent Rockwell,
(the "Executive").

     WHEREAS, the Board of Directors of the Company (the "Board") recognizes
that the possibility of a Change of Control (as defined below) exists and that
the threat or the occurrence of a Change of Control can result in significant
distraction of the Company's key management personnel because of the
uncertainties inherent in such a situation;

     WHEREAS, the Board has determined that it is essential, and in the best
interest of the Company and its stockholders, for the Company to retain the
services of the Executive in the event of a threat, or the occurrence, of a
Change of Control and to ensure the Executive's continued dedication and efforts
in such event without undue concern for the Executive's personal financial and
employment security; and

     WHEREAS, in order to induce the Executive to remain in the employ of the
Company in the event of a threat, or the occurrence, of a Change of Control, the
Company desires to enter into this Agreement with the Executive to provide the
Executive with certain benefits in the event of a Change of Control.

     NOW, THEREFORE, the parties hereto, in consideration of the respective
agreements of the parties contained herein and intending to be legally bound,
agree as follows:

     1. Term of Agreement. This Agreement shall commence as of February 17th,
2004 (the "Effective Date"), and shall continue in effect until January 1, 2005
(the "Term"); provided, however, that on January 1, 2005, and on each January 1
thereafter, the Term shall automatically be extended for one (1) year unless
either the Executive or the Company shall have given written notice to the other
at least ninety (90) days prior thereto that the Term shall not be so extended;
provided, further, however, that following the occurrence of a Change of
Control, the Term shall not expire prior to the expiration of at least
twenty-four (24) months after such event.

     2. Payments. (a) If, during the Term, the Executive's employment with the
Company or its Affiliates shall be terminated within twenty-four (24) months
following a Change of Control, the Executive shall be entitled to the following
compensation and benefits:

     i. within 60 days of the termination of his employment, he shall be paid an
amount equal to two (2) years of his base salary at the date of the Change of
Control; and

     ii. for the next eighteen (18) months, the Company shall, at its expense,
continue on behalf of the Executive and his dependents and beneficiaries, the
life insurance, disability, medical, dental and hospitalization coverage and
benefits provided to the Executive immediately prior to the Change of Control.
The Company's obligation hereunder with respect to this subparagraph ii shall be
reduced to the extent that the Executive obtains coverage and benefits pursuant
to a subsequent employer's benefit plans, provided that the aggregate coverage
and

<PAGE>

benefits of the combined benefit plans is no less favorable to the Executive
than the coverage and benefits required to be provided hereunder. In the event
such coverage and benefits may not be continued (or where such continuation
would adversely affect the tax status of the benefit plan pursuant to which the
coverage and benefits are provided) under applicable law or regulations, the
Company shall pay to the Executive the cash equivalent in lieu of such coverage
and benefits.

         iii. The Executive shall not be required to mitigate the amount of any
payment provided for in this Agreement by seeking other employment or otherwise,
and no such payment shall be offset or reduced by the amount of any compensation
or benefits provided to the Executive in any subsequent employment except as
provided in subparagraph ii above.

         (b) If the Executive is still employed by the Company twenty-four (24)
months after a Change in Control, he shall be paid on that date an amount equal
to two (2) years of his base salary at the date of the Change of Control.

         3. Fees and Expenses. The Company shall pay all legal fees and related
expenses (including the costs of experts, evidence and counsel) incurred by the
Executive as they become due as a result of the Executive seeking to obtain or
enforce any right or benefit provided by this Agreement or by any other plan or
arrangement maintained by the Company under which the Executive is or may be
entitled to receive benefits.

         4. Notices. For purposes of this Agreement, notices and all other
communications provided for in this Agreement shall be in writing, shall be
signed by the Executive, if to the Company, or by a duly authorized officer of
the Company, if to the Executive, and shall be deemed to have been duly given
when personally delivered or sent by certified mail, return receipt requested,
postage paid, addressed to the respective addresses given by each party to the
other, provided that all notices to the Company shall be directed to the
attention of the Board with a copy to the Secretary of the Company. All notices
and communications shall be deemed to have been received on the date of delivery
thereof or on the third business day after the mailing thereof, except that
notice of change of address shall be effective only upon receipt.

         5. Nature of Rights. Nothing in this Agreement shall prevent or limit
the Executive's continuing or future participation in any benefit, bonus,
incentive or other plan or program provided by the Company or any Affiliate of
the Company and for which the Executive may qualify, nor shall anything herein
limit or reduce such rights or benefits the Executive may have under any other
agreements with the Company or any Affiliate of the Company. Amounts which are
vested benefits or which the Executive is otherwise entitled to receive under
any plan or program of the Company or any Affiliate of the Company shall be
payable in accordance with such plan or program.

         6. Settlement of Claims. The Company's obligation to make the payments
provided for in this Agreement and otherwise to perform its obligations
hereunder shall not be affected by any circumstances, including without
limitation, any set-off, counterclaim, defense, recoupment, or other right which
the Company may have against the Executive or others. Notwithstanding the
foregoing, the Company need not make the payments provided for in this Agreement
if the

                                       2

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Executive is terminated as a result of (a) conviction of a felony; (b) a
material violation of the Company's Code of Conduct; (c) a criminal conviction
involving a violation of the federal securities laws; (d) a judgment by a court
of competent jurisdiction in a case brought by the Securities and Exchange
Commission involving a violation of the federal securities laws; or (e) actions
by the Executive which demonstrate moral turpitude on his part.

         7. Miscellaneous. No provision of this Agreement may be modified,
waived or discharged unless such waiver, modification or discharge is agreed to
in writing and signed by the Executive and the Company. No waiver by either
party hereto at any time of any breach by the other party hereto of, or of an
obligation to comply with, any condition or provision of this Agreement to be
performed by such other party shall be deemed a waiver of similar or dissimilar
provisions or conditions at the same or at any prior or subsequent time. No
agreements or representations, oral or otherwise, express or implied, with
respect to the subject matter hereof have been made by any party which are not
expressly set forth in this Agreement.

         8. Successors: Binding Agreement.

         (a) This Agreement shall be binding upon and inure to the benefit of
the Company and its successors and assigns. The Company shall require its
successors and assigns to expressly assume and agree to perform this Agreement
in the same manner and to the same extent that it would be required to perform
this Agreement if no such succession or assignment had taken place.

         (b) Neither this Agreement nor any right or interest hereunder shall be
assignable or transferable by the Executive, his beneficiaries or legal
representatives, except by will or by the laws of descent and distribution. The
Agreement shall inure to the benefit of and by enforceable by the Executive and
his heirs, executors and legal representatives.

         9. Governing Law. This Agreement shall be governed by and construed and
enforced in accordance with the laws of the State of Virginia.

         10. Severability. The provisions of this Agreement shall be deemed
severable and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of the other provisions hereof.

         11. Entire Agreement. This Agreement constitutes the entire agreement
between the parties hereto, and supersedes all prior agreements, if any,
understandings and arrangements, oral or written, between the parties hereto,
with respect to the subject matter hereof.

         12. Definitions.

         (a) Affiliate. For purposes of this Agreement, "Affiliate" means, with
respect to any person, any entity, directly or indirectly, controlled by,
controlling or under common control with such person.

                                       3

<PAGE>

         (b) "Beneficial Owner," "Beneficially Owned," and "Beneficially Owning"
shall have the same meanings as under Rule 13d-3 promulgated under the
Securities Exchange Act of 1934, as amended.

         (b) Change of Control. "Change of Control" shall mean any of the
following:

         (i) the acquisition by any person of Beneficial Ownership of voting
securities of the Company, which when added to the voting securities of the
Company then Beneficially Owned by such person, would result in such person
Beneficially Owning 33% or more of the combined voting power of the Company's
then outstanding voting securities; provided, however, that for purposes of this
paragraph a person shall not be deemed to have an acquisition of voting
securities if such person: (A) acquires voting securities as a result of a stock
split, stock dividend or other corporate restructuring in which all stockholders
of the class of such voting securities are treated the same on a pro rata basis;
(B) acquires the voting securities directly from the Company; (C) is the
Company or any corporation or other person of which a majority of its voting
power or its equity securities or equity interest is owned directly or
indirectly by the Company (a "Controlled Entity"); or (D) acquires voting
securities in connection with a "Non.control Transaction" (as defined in
paragraph (c) below); or

         (ii) the individuals who, as of the Effective Date, are members of the
Board (the "Incumbent Board") cease for any reason to constitute at least
two-thirds of the Board; provided, however, that if either the election of any
new director or the nomination for election of any new director by the Company's
stockholders was approved by a vote of at least two-thirds of the Incumbent
Board prior to such election or nomination, such new director shall be
considered as a member of the Incumbent Board; provided further, however, that
no individual shall be considered a member of the Incumbent Board if such
individual initially assumed office as a result of either an actual or
threatened "Election Contest" (as described in Rule 14a-11 promulgated under
the 1934 Act) or other actual or threatened solicitation of proxies or consents
by or on behalf of a person other than the Board (a "Proxy Contest"), including
by reason of any agreement intended to avoid or settle any Election Contest or
Proxy Contest; or

         (iii) approval, as required by the Delaware General Corporation Law, by
the stockholders of the Company of:

                  (A) a merger, consolidation or reorganization involving the
Company (a "Business Combination"), unless

                  (1) the stockholders of the Company immediately before the
Business Combination own, directly or indirectly, immediately following the
Business Combination at least a majority of the combined voting power of the
outstanding voting securities of the corporation resulting from the Business
Combination (the "Surviving Corporation") in substantially the same proportion
as their ownership of the voting securities of the Company immediately before
the Business Combination, and

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                  (2) the individuals who were members of the Incumbent Board
immediately prior to the execution of the agreement providing for the Business
Combination constitute at least a majority of the Board of Directors of the
Surviving Corporation, and

                  (3) no person (other than the Company or any Controlled
Entity, a trustee or other fiduciary holding securities under one or more
employee benefit plans or arrangements (or any trust forming a part thereof)
maintained by the Company, the Surviving Corporation or any Controlled Entity,
or any person who immediately prior to the Business Combination had Beneficial
Ownership of 33% or more of the then outstanding voting securities) has
Beneficial Ownership of 33% or more of the combined voting power of the
Surviving Corporation's then outstanding voting securities (a Business
Combination satisfying the conditions of clauses (1), (2) and (3) of this
subparagraph (A) shall be referred to as a "Non-control Transaction");

                  (B) a complete liquidation or dissolution of the Company; or

                  (C) the sale or other disposition of all or substantially all
of the assets of the Company (other than a transfer to a Controlled Entity).

         Notwithstanding the foregoing, a Change of Control shall not be deemed
to occur solely because 33% or more of the outstanding voting securities of the
Company is Beneficially Owned by (x) a trustee or other fiduciary holding
securities under one or more employee benefit plans or arrangements (or any
trust forming a part thereof) maintained by the Company or any Controlled Entity
or (y) any corporation which, immediately prior to its acquisition of such
interest, is owned, directly or indirectly, by the stockholders of the Company
in the same proportion as their ownership of stock in the Company immediately
prior to such acquisition.

         IN WITNESS WHEREOF, the Company has caused this Agreement to be
executed by one of its duly authorized officers, and the Executive has
personally executed this Agreement, all as of the date first written above.

SENSYTECH, INC.                                   S. KENT ROCKWELL

By: /s/ S. KENT ROCKWELL                          /s/ S. KENT ROCKWELL
   ------------------------------                 ------------------------------
Title:  CEO
       --------------------------                 ------------------------------

                                       5<PAGE>

                                                                    EXHIBIT 10.4

                          MASTER TAX SHARING AGREEMENT

This Master Tax Sharing Agreement ("Agreement"), which amends and restates in
its entirety the prior Tax Sharing Agreement and incorporates all previous
amendments, is effective as of the first day of the consolidated return year
beginning January 1, 2004, by and among Westcorp (FEIN No. 51-0308535)
("Parent") and each of the undersigned ("Subsidiaries").

                       Westran Services Corp. (33-0681134)
                      Western Auto Investments (33-0696532)
                       Western Financial Bank (94-2504080)
                         WFS Financial Inc (33-0291646)
                   WFS Financial Auto Loans, Inc. (33-0149603)
                  WFS Financial Auto Loans 2, Inc. (33-0218079)
                       WFS Investments, Inc. (33-0712766)
                         WFS Funding, Inc. (33-0874765)
                    WFS Receivables Corporation (33-0885464)
                   WFS Receivables Corporation 2 (88-0466468)
                   WFS Receivables Corporation 3 (94-3401639)
                   WestFin Insurance Agency, Inc. (95-3439391)
                  Western Consumer Services, Inc. (94-2643049)
                 Western Reconveyance Company, Inc. (95-3360526)
                  Westhrift Life Insurance Company (86-0397136)
                        WFS Web Investments (26-0003040)
                     Western Consumer Products (33-0987340)
             The Hammond Company, The Mortgage Bankers (95-2954207)
               WFS Receivables Corporation 4 (FEIN No. 05-0576204)
           Western Financial Associate Solutions (FEIN No. 20-0362710)

WHEREAS, the parties (hereinafter sometimes referred to as "Members") hereto are
part of an affiliated group ("Affiliated Group") as defined in Section 1504(a)
of the Internal Revenue Code of 1986, as amended ("IRC"); and

WHEREAS, such Affiliated Group has since December 31, 1986, filed a consolidated
federal income tax return in accordance with IRC Section 1501 and is required to
file consolidated income tax returns for years subsequent to such year of first
consolidated filing; and

WHEREAS, it is the intent and desire of the parties hereto that a method be
established, pursuant to the Interagency Policy Statement on Income Tax
Allocation in a Holding Company Structure (developed by the Office of Thrift
Supervision, the Federal Deposit Insurance Corporation, the Federal Reserve
Board, and the Office of the Comptroller of the Currency) for allocating the
consolidated "federal income tax liability" (as determined under Regulations
Section 1.1502-2) of the Affiliated Group among its Members (as required by IRC
Section 1552 (a)); for reimbursing the Parent for payment of such tax liability;
for compensating any Member for use of its "net operating loss" or "tax credit"
in arriving at such tax liability; and to provide for the allocation and payment
of any refund arising from a carryback of net operating losses or tax credits of
subsequent taxable years.

NOW, THEREFORE, in consideration of the mutual covenants and promises contained
herein, the parties hereto agree as follows:

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1. A U.S. consolidated federal income tax return shall be filed by the Parent
for the taxable year ended December 31, 2003, and for each subsequent taxable
year in respect of which this Agreement is in effect and for which the
Affiliated Group is required or permitted to file a consolidated federal income
tax return. The Parent and each Subsidiary shall execute and follow such
consents, elections, and other documents that may be required or appropriate for
the proper filing of such returns.

2. The Parent and Subsidiaries have hereby elected to allocate their federal tax
liability during consolidated tax return years pursuant to Regulation Section
1.1552-1 (a)(1) using method one in conjunction with the election pursuant to
Regulation Section 1.1502-33(d)(3), provided that the basis for allocation of
total tax is based on the ratio that each Member's separate return taxable
income for the tax year bears to the sum of the separate taxable income of each
Member. Each Member agrees that the policy of the Affiliated Group is to compute
its taxable income on a separate return basis. The fixed percentage to be used
under Regulation Section 1.1502-33 (d)(3) shall be 100%.

3. The taxable income of the Parent Affiliated Group, which is all the Members,
shall be used to determine the allocation of the tax liability, unless the use
of that number results in an allocation which is unfavorable to the Bank
Affiliated Group, which is all the Members except the Parent, Westran Services
Corporation, WFS Receivables Corporation 2, Western Consumer Products and WFS
Receivables Corporation 4, in which case, the separate tax liability of the
Bank's Affiliated Group shall be allocated among the members of the Bank
Affiliated Group.

4. Each Member shall pay the Parent its allocated consolidated federal income
tax liability under this Agreement. Such payment is expressly limited to the
portion currently due and payable to the Internal Revenue Service ("IRS"). The
timing of such payment shall be consistent with the due date of the payment from
each Member if it had been filed on a separate return basis provided that in no
event shall payment be made until expiration of any extension that may be in
effect as to the Parent. Current payment by any Member to the Parent of that
Member's deferred tax liability is expressly forbidden. Each Member benefiting
from net operating losses and tax credits shall pay to the Parent its added tax
assessment determined under paragraph 2 of the Agreement. The Parent shall pay
to each Member with a net operating loss or tax credit during the taxable year
its allocable share of the total of the additional amounts due from other
Members pursuant to paragraph 2 of this Agreement. Payments for these allocable
shares are to be made no later than 30 days after the date of filing of the
consolidated federal income tax return for such taxable year. Due to
administrative costs of completing cash transfers, deminimus payments by and
among the Members, in the amount of twenty dollars ($20.00) or less, need not be
allocated amongst the Members.

5. Each Member shall determine its share of estimated tax payments to be made on
the projected consolidated federal income tax liability for each year on a
separate return basis. Payment to the Parent shall be made at the time the
estimated payment is due. Such Member will receive credit for such prepayments
in the year end computation under paragraph 4 of this Agreement.

6. If part or all of an unused consolidated net operating loss or tax credit is
allocated to a Member of the Affiliated Group pursuant to Regulations Section
1.1502-79, and it is carried back or forward to a year in which such Member
filed a separate income tax return or a consolidated federal income tax return
with another affiliated group, any refund or reduction in tax liability arising
from the carryback or carryover shall be retained by such Member. (If such
refund or reduction goes to some entity other than the Member, then such entity
shall pay over such amount to the Member.) Notwithstanding the above, the Parent
shall determine whether an election shall be made not to carry back any
consolidated net operating loss arising in a consolidated return year (including
any portion allocated to a Member under Regulations Section 1.1502-79) in
accordance with IRC Section 172(b)(3). Notwithstanding, in keeping with the
separate return basis, Members shall

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receive payment for any refund of previously paid taxes it could have received
if such losses could have carried back for a tax refund on a separate Member
basis.

7. If the consolidated federal income tax liability is adjusted for any taxable
period, whether by means of amended return, claim for refund, or after-tax audit
by the IRS, the liability of each Member shall be recomputed under paragraph 2
of this Agreement to give effect to such adjustments. In the case of a deminimus
refund of $10,000 or less, which the Parent shall hold in Trust for each Member,
the Parent shall make payment to each Member for its share of the refund within
thirty (30) days after the refund is received by the Parent, and in the case of
a deminimus increase of up to $10,000 in tax liability, each Member shall pay to
the Parent to be held in Trust for the Parent its allocable share of such
increased tax liability no later than thirty (30) days after the Parent must
make such payment. In the case of a refund greater than $10,000, which the
Parent shall hold in Trust for each Member, the Parent shall make payment to
each Member for its share of the refund within ten (10) business days after the
refund is received by the Parent, and in the case of an increase greater than
$10,000 in tax liability, each Member shall pay to the Parent to be held in
Trust for the Parent its allocable share of such increased tax liability no
later than ten (10) days after the Parent must make such payment. If any
interest is to be paid or received as a result of a consolidated federal income
tax deficiency or refund, such interest shall be allocated to the Members in the
ratio of each Members' change in consolidated federal income tax liability bears
to the total change in tax liability. Any penalty shall be allocated upon such
basis as the Members deems just and proper in view of all applicable
circumstances and which is consistent with the separate return provisions of
this Agreement.

8. The administration of this Agreement as regards the determination of amounts
payable to or from the Subsidiaries hereunder shall be reasonably determined by
independent certified public accountants and, subject to the specific provisions
of this Agreement, in accordance with generally accepted accounting principles.

9. Notwithstanding any other provision of this Agreement, under no circumstances
shall the amounts payable by a Subsidiary to Parent hereunder in any taxable
year exceed the tax liability currently payable to tax authorities by any Member
on a separate return basis. If under the mechanics of this Agreement,
unreasonable results are obtained, the results can be adjusted using any
reasonable methodology.

10. This Agreement shall apply to the taxable years specified in the preamble of
this Agreement, and all subsequent taxable years, unless the Members agree in
writing to terminate the Agreement. Notwithstanding such termination, this
Agreement shall continue in effect with respect to any payment or refunds due
for all taxable periods prior to termination.

11. This Agreement shall not be assignable by any Member without the prior
written consent of the others.

12. All materials including, but not limited to, returns, supporting schedules,
work papers, correspondence and other documents relating to the consolidated
federal income tax returns filed for a taxable year during which this Agreement
was in effect shall be made available to any Member to the Agreement during
regular business hours for a minimum period equal to applicable Federal record
retention requirements.

13. Any dispute or controversy among the parties arising out of or relating to
any of the terms, conditions or covenants, of this Agreement shall be submitted
to arbitration upon written request of any party, such request to be served upon
all other parties to the Agreement according to the following procedure:

                                       3
<PAGE>

         a)       All parties to the Agreement shall select one arbitrator to
                  hear and determine the dispute. If, within 30 days of the
                  above-mentioned notice, the parties shall fail to appoint such
                  arbitrator, then such appointment shall be made by the
                  American Arbitration Association.

         b)       The award rendered by the arbitrator shall be final,
                  conclusive and binding upon all parties to the Agreement and
                  judgment thereon may be entered in any court having
                  jurisdiction thereof.

14. Any Member corporation which leaves the consolidated group shall be bound by
this Agreement.

15. The Members hereto specifically recognize that from time to time other
companies may become Members of the Affiliated Group and hereby agree that such
new Members may become parties to this Agreement by executing the master copy of
this Agreement which shall be maintained at the Parent's corporate offices
located at 23 Pasteur, Irvine, California 92618. It will not be necessary for
all the other Members to resign the Agreement but the new Members may simply
sign the existing agreement and it will be effective as if the old Members had
resigned.

16. The Members hereto specifically recognize that from time to time certain
amendments to this Agreement may affect only certain members, for example, in
the case of a name change and hereby agree that such amendments need only be
executed by a designee of the Parent and a designee of the Member or Members
directly affected by the amendment.

17. Any alteration, modification, addition, deletion, or other change in the
consolidated income tax return provisions of the Code or the regulations
thereunder shall automatically be applicable to this Agreement.

18. Failure of one or more parties hereto to qualify by meeting the definition
of Members of the "Affiliated Group" shall not operate to terminate this
Agreement with respect to the other parties as long as two or more parties
hereto continue to qualify.

19. This Agreement shall bind and inure to the respective successors and assigns
of the parties hereto; and no assignment shall relieve any party's obligations
hereunder without the written consent of the other parties.

20. This Agreement shall be governed by the laws of the State of California.

21. This Agreement specifically addresses the federal tax liability but does not
make reference to the state tax liability. Similar methodology will be used for
purposes of allocating the state tax liability in states where the group files
on either a combined or consolidated basis. California does not permit the
filing of a consolidated return. However, the Parent and Subsidiaries are
members of a unitary group filing a combined California return, and the results
will be approximately the same as if a consolidated return were filed (with the
exception that the financial institutions pay at a rate higher than that of the
nonfinancial institutions).

IN WITNESS WHEREOF, the parties hereto acknowledge that this Master Tax Sharing
Agreement supersedes all earlier dated agreements and amendments and have caused
their names to be subscribed and executed by their respective authorized
officers on the dates indicated, effective as of the date first written above.

                                       4
<PAGE>

WESTCORP

By:      /s/ Thomas A. Wolfe                             Date: December 17, 2003
    -------------------------------------------------
         Thomas A. Wolfe, President

WESTRAN SERVICES CORPORATION

By:      /s/ Shelley M. Chase                            Date: December 12, 2003
    -------------------------------------------------
         Shelley M. Chase, President

WESTERN FINANCIAL BANK

By       /s/ Thomas A. Wolfe                             Date: December 17, 2003
   --------------------------------------------------
         Thomas A. Wolfe, President

WFS FINANCIAL INC

By:      /s/ Thomas A. Wolfe                             Date: December 17, 2003
   --------------------------------------------------
         Thomas A. Wolfe, President

WFS FINANCIAL AUTO LOANS, INC.

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WFS FINANCIAL AUTO LOANS 2, INC.

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WFS INVESTMENTS, INC.

By:      /s/ Lee A. Whatcott                             Date: December 17, 2003
    -------------------------------------------------
         Lee A. Whatcott, Vice President

WFS FUNDING, INC.

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WFS RECEIVABLES CORPORATION

By:      /s/ Jon Coluccio                                Date: December 15, 2003
   -----------------------------------------
         John Coluccio, President

                                       5
<PAGE>

WFS RECEIVABLES CORPORATION 2

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WFS RECEIVABLES CORPORATION 3

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WESTERN AUTO INVESTMENTS, INC.

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WESTERN CONSUMER SERVICES, INC.

By:      /s/ James E. Tecca                              Date: December 19, 2003
    -------------------------------------------------
         James E. Tecca, President

WESTERN CONSUMER PRODUCTS

By:      /s/ Mark Marty                                  Date: December 22, 2003
    -------------------------------------------------
         Mark Marty, President

WESTERN RECONVEYANCE COMPANY, INC.

By:      /s/ J. Keith Palmer                             Date: December 15, 2003
    -------------------------------------------------
         J. Keith Palmer, President

WESTFIN INSURANCE AGENCY, INC.

By:      /s/ Thomas A. Wolfe                             Date: December 17, 2003
    -------------------------------------------------
         Thomas A. Wolfe, President

WFS WEB INVESTMENTS

By:      /s/ Thomas A. Wolfe                             Date: December 17, 2003
    -------------------------------------------------
         Thomas A. Wolfe, President

THE HAMMOND COMPANY, THE MORTGAGE BANKERS

By:      /s/ Thomas A. Wolfe                             Date: December 17, 2003
    -------------------------------------------------
          Thomas A. Wolfe, President

                                       6
<PAGE>

WESTHRIFT LIFE INSURANCE COMPANY

By:      /s/ Lee A. Whatcott                             Date: December 17, 2003
    -------------------------------------------------
          Lee A. Whatcott, President

WFS RECEIVABLES CORPORATION 4

By:      /s/ Jon Coluccio                                Date: December 15, 2003
    ----------------------------------------
         John Coluccio, President

WESTERN FINANCIAL ASSOCIATE SOLUTIONS

By:      /s/ Karen Marchak                               Date: December 15, 2003
    ----------------------------------------
         Karen Marchak, President

                                       7

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