Document:

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                                                                   EXHIBIT 10.35

                                    SUBLEASE

1.      PARTIES.

        This Sublease, dated MARCH 21, 2002, is made between WFS FINANCIAL INC.,
        ("SUBLESSOR"), and WFS RECEIVABLE CORPORATION, WFS RECEIVABLES
        CORPORATION 2, WFS FINANCIAL AUTO LOANS, INC., WFS FINANCIAL AUTO LOANS
        2, INC., WESTERN AUTO INVESTMENTS, INC., AND WFS FUNDING, INC. (EACH
        INDIVIDUALLY KNOWN AS THE "SUBLESSEE" AND COLLECTIVELY KNOWN AS THE
        "SUBLESSEES").

2.      MASTER LEASE.

        Sublessor is the lessee under a written lease dated SEPTEMBER 18, 2001,
        wherein MCCARRAN CENTER, LC ("LESSOR") leased to Sublessor the real
        property located at 444 E. WARM SPRING ROAD, SUITES 116 & 118, IN CITY
        OR LAS VEGAS, COUNTY OF CLARK, STATE OF NEVADA, DESCRIBED AS
        APPROXIMATELY 7,592 SQUARE FEET, ("MASTER PREMISES"). Said lease has
        been amended by the following amendments, FIRST AMENDMENT TO Lease, said
        lease and amendments are herein collectively referred to as the "Master
        Lease" and are attached hereto as Exhibit "A".

3.      PREMISES.

        Sublessor hereby subleases to Sublessees on the terms and conditions set
        forth in this Sublease the following portion of the Master Premises
        ("Premises"): SUITE 116, CONSISTING OF APPROXIMATELY 640 SQUARE FEET,
        (8.43%) of the Master Premises.

4.      WARRANTY BY SUBLESSOR

        Sublessor warrants and represents to Sublessees that the Master Lease
        has not been amended or modified except as expressly set forth herein,
        that Sublessor is not now, and as of the commencement of the Term hereof
        will not be, in default or breach of any of the provisions of the Master
        Lease, and that Sublessor has no knowledge of any claim by Lessor that
        Sublessor is in default or breach of any of the provisions of the Master
        Lease.

5.      TERM.

        The Term of this Sublease shall commence on APRIL 15, 2002,
        ("COMMENCEMENT DATE"), or when Lessor consents to this Sublease (if such
        consent is required under the Master Lease), whichever shall last occur,
        and end on MARCH 31, 2012, ("TERMINATION DATE"), unless otherwise sooner
        terminated in accordance with the provisions of this Sublease. In the
        event the Term commences on a date other than the Commencement Date,
        Sublessor and Sublessees shall execute a memorandum setting forth the
        actual date of commencement of the Term. Possession of the Premises
        ("Possession") shall be delivered to Sublessees. If for any reason
        Sublessor does not deliver Possession to Sublessees on the commencement
        of the Term, Sublessor shall not be subject to any liability for such
        failure, the Termination Date shall not be extended by the delay, and
        the validity of this Sublease shall not be impaired, but rent shall
        abate until delivery of Possession. Notwithstanding the foregoing, if
        Sublessor has not delivered Possession to Sublessees within thirty (30)
        days after the Commencement Date, then at any time thereafter and before
        delivery of Possession, Sublessees may give written notice to Sublessor
        of Sublessees' intention to cancel this Sublease. Said notice shall set
        forth an effective date for such cancellation which shall be at least
        ten (10) days after delivery of said notice to Sublessor. If Sublessor
        delivers Possession to Sublessees on or before such effective date, this
        Sublease shall remain in full force and effect. If Sublessor fails to
        deliver Possession to Sublessees on or before such effective date, this
        Sublease shall be canceled, in which case all consideration previously
        paid by Sublessees to Sublessor on account of this Sublease shall be
        returned to Sublessees, this Sublease shall thereafter be of no further
        force or effect, and Sublessor shall have no further liability to
        Sublessees on account of such delay or cancellation. If Sublessor
        permits Sublessees to take Possession prior to the commencement of the
        Term, such early Possession shall not advance the Termination Date and
        shall be subject to the provisions of this Sublease, including without
        limitation the payment of rent.

6.      RENT.

        6.1 Minimum Rent. Sublessees shall pay to Sublessor as minimum rent,
        without deduction, setoff, notice, or demand, at WFS FINANCIAL INC,
        ATTN: CORPORATE REAL ESTATE, 23 PASTEUR, IRVINE, CA 92618 or at such
        other place as Sublessor shall designate from time to time by notice to
        Sublessees, the sum EIGHT HUNDRED EIGHTY THREE AND 20/100 DOLLARS,
        ($883.20) PER MONTH, in advance on the first day of each month of the
        Term. Sublessees shall pay to Sublessor upon execution of this Sublease
        the sum of EIGHT HUNDRED EIGHTY THREE AND 20/100 DOLLARS ($883.20) as
        rent for the month of APRIL, 2002. If the Term begins or ends on a day
        other than the first or last day of a month, the rent for the partial
        months shall be prorated on a per diem basis. Additional provisions: The
        base rent shall increase three (3%) annually as per the attached EXHIBIT
        "B" RENT SCHEDULE.

        6.2 Operating Costs. If the Master Lease requires Sublessor to pay to
        Lessor all or a portion of the expenses of operating the building and/or
        project to which the Premises are a part ("Operating Costs"), including
        but not limited to taxes, utilities, or insurance, then Sublessees shall
        collectively pay to Sublessor as additional rent ( 8.43 %) of the
        amounts payable by Sublessor for Operating Costs incurred during the
        Term. Such additional rent shall be payable as and when Operating Costs
        are payable by Sublessor to Lessor. If the Master Lease provides for the
        payment by Sublessor of Operating Costs on the basis of an estimate
        thereof, then as and when adjustments between estimated and actual
        Operating Costs are made under the Master Lease, the obligations of
        Sublessor and each Sublessee hereunder shall be adjusted in a like
        manner; and if any such adjustment shall occur after the expiration or
        earlier termination of the Term, then the obligations of Sublessor and
        each Sublessee under this Subsection 6.2 shall survive such expiration
        or termination. Sublessor shall, upon request by any Sublessee, furnish
        Sublessee with copies of all statements submitted by Lessor of actual or
        estimated Operating Costs during the Term.

7.      SECURITY DEPOSIT.

        Sublessees shall collectively deposit with Sublessor upon execution of
        this Sublease the sum Eight Hundred Eighty Three and 20/100 DOLLARS
        ($883.20) as security for Sublessees' faithful performance of
        Sublessees' obligations hereunder ("Security Deposit"). If any Sublessee
        fails to pay rent or other charges when due under this Sublease, or
        fails to perform any of its other obligations hereunder, Sublessor may
        use or apply all or any portion of the Security Deposit for the payment
        of any rent or other amount then due hereunder and unpaid, for the
        payment of any other sum for which Sublessor may become obligated by
        reason of any Sublessee's default or breach, or for any loss or

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        damage sustained by Sublessor as a result of said Sublessee's default or
        breach. If Sublessor so uses any portion of the Security Deposit, said
        Sublessee shall, within ten (10) days after written demand by Sublessor,
        restore the Security Deposit to the full amount originally deposited,
        and said Sublessee's failure to do so shall constitute a default under
        this Sublease. Sublessor shall not be required to keep the Security
        Deposit separate from its general accounts, and shall have no obligation
        or liability for payment of interest on the Security Deposit. In the
        event Sublessor assigns its interest in this Sublease, Sublessor shall
        deliver to its assignee so much of the Security Deposit as is then held
        by Sublessor. Within ten (10) days after the Term has expired, or all
        Sublessees have vacated the Premises, or any final adjustment pursuant
        to Subsection 6.2 hereof has been made, whichever shall last occur, and
        provided any Sublessee is not then in default of any of its obligations
        hereunder, the Security Deposit, or so much thereof as had not
        theretofore been applied by Sublessor, shall be returned to Sublessees
        or to the last assignees or sublessees, if any, of Sublessees' or any
        Sublessee's interest hereunder.

8.      USE OF PREMISES.

        The Premises shall be used and occupied only for general office use only
        and for no other use or purpose.

9.      ASSIGNMENT AND SUBLETTING.

        Any Sublessee shall not assign this Sublease or further sublet all or
        any part of the Premises without prior written consent of Sublessor.

10.     OTHER PROVISIONS OF SUBLEASE.

        All applicable terms and conditions of the Master Lease are incorporated
        into and made a part of this Sublease as if Sublessor were the lessor
        thereunder, Sublessee the lessee thereunder, and the Premises the Master
        Premises, EXCEPT for the following:

        Each Sublessee assumes and agrees to perform the lessee's obligations
        under the Master Lease during the Term to the extent that such
        obligations are applicable to the Premises, except that the obligation
        to pay rent to Lessor under the Master Lease shall be considered
        performed by Sublessee to the extent and in the amount rent is paid to
        Sublessor in accordance with Section 6 of this Sublease. Sublessee shall
        not commit or suffer any act or omission that will violate any of the
        provisions of the Master Lease. Sublessor shall exercise due diligence
        in attempting to cause Lessor to perform its obligations under the
        Master Lease for the benefit of Sublessee. If the Master Lease
        terminates, this Sublease shall terminate and the parties shall be
        relieved of any further liability or obligation under this Sublease,
        provided however, that if the Master Lease terminates as a result of a
        default or breach by Sublessor or Sublessee under this Sublease and/or
        the Master Lease, then the defaulting party shall be liable to the
        nondefaulting party for the damage suffered as a result of such
        termination. Notwithstanding the foregoing, if the Master Lease gives
        Sublessor any right to terminate the Master Lease in the event of the
        partial or total damage, destruction, or condemnation of the Master
        Premises or the building or project of which the Master Premises are a
        part, the exercise of such right by Sublessor shall not constitute a
        default or breach hereunder.

11.     ADDITIONAL PROVISIONS.

        Certain provisions of the Master Lease are modified, or new terms and
        conditions are imposed, as set forth on the Addendum to Sublease,
        attached hereto and incorporated herein.

12.     ATTORNEYS' FEES.

        If Sublessor or any Sublessee shall commence an action against the other
        arising out of or in connection with this Sublease, the prevailing party
        shall be entitled to recover its costs of suit and reasonable attorney's
        fees.

13.     AGENCY DISCLOSURE.

        Sublessor and each Sublessee each warrant that they have dealt with no
        real estate brokers in connection with this transaction.

14.     MUTUAL INDEMNIFICATION.

        Each Sublessee and Sublessor shall indemnify each other and hold the
        other harmless against and from any and all claims, taxes, liens,
        liability, damage or loss arising from the other's use of the premises,
        from the conduct of its business or from any activity, material supplied
        to, work, or other things done, permitted or suffered to be done by the
        other in or about the Premises, and shall further indemnify the injured
        party and hold him harmless against and from any and all claims arising
        from any breach or default in the performance of any obligation on the
        other's part to be performed under the terms of his Lease, or arising
        from any act or negligence of the other, or any officer, agent,
        employee, guest, or invitee of the other, and from all costs, attorneys'
        fees, and liabilities incurred in or about the defense of any such claim
        or action or proceeding brought thereon, and in case any action be
        brought against the other by reason of such claim, the wrongdoing party
        upon notice from the other shall defend the same at the other's expense
        by counsel reasonably satisfactory to the other.

15.     NOTICES.

        All notices and demands which may or are to be required or permitted to
        be given by either party on the other hereunder shall be in writing. All
        notices and demands by the Sublessor to Sublessees shall be sent by
        United States Mail, postage prepaid, addressed to each Sublessee at the
        Premises, and to the address hereinbelow, or to such other place as each
        Sublessee may from time to time designate in a notice to the Sublessor.
        All notices and demands by any Sublessee to Sublessor shall be sent by
        United States Mail, postage prepaid, addressed to the Sublessor at the
        address set forth herein, and to such other person or place as the
        Sublessor may from time to time designate in a notice to the Sublessees.

                To Sublessor:            WFS FINANCIAL INC
                                         FACSIMILE (949)753-3912
                                         Attn: Corporate Real Estate
                                         23 Pasteur
                                         Irvine, CA 92618

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                To Sublessee:            WFS Receivables Corporation
                                         Attn: Shelley Chase
                                         23 Pasteur
                                         Irvine, CA 92618

                To Sublessee:            WFS Receivables Corporation 2
                                         Attn: Shelley Chase
                                         23 Pasteur
                                         Irvine, CA 92618

                To Sublessee:            WFS Financial Auto Loans, Inc.
                                         Attn: Shelley Chase
                                         23 Pasteur
                                         Irvine, CA 92618

                To Sublessee:            WFS Financial Auto Loans 2, Inc.
                                         Attn: Shelley Chase
                                         23 Pasteur
                                         Irvine, CA 92618

                To Sublessee:            Western Auto Investments, Inc.
                                         Attn: Shelley Chase
                                         23 Pasteur
                                         Irvine, CA 92618

                To Sublessee:            WFS Funding, Inc.
                                         Attn: Shelley Chase
                                         23 Pasteur
                                         Irvine, CA 92618

16.     CONSENT BY LESSOR.

        THIS SUBLEASE SHALL BE OF NO FORCE OR EFFECT UNLESS CONSENTED TO BY
        LESSOR WITHIN 30 DAYS AFTER EXECUTION HEREOF, IF SUCH CONSENT IS
        REQUIRED UNDER THE TERMS OF THE MASTER LEASE.

17.     COMPLIANCE..

        The parties hereto agree to comply with all applicable federal, state
        and local laws, regulations, codes, ordinances and administrative orders
        having jurisdiction over the parties, property or the subject matter of
        this Agreement, including, but not limited to, the 1964 Civil Rights Act
        and all amendments thereto, the Foreign Investment In Real Property Tax
        Act, the Comprehensive Environmental Response Compensation and Liability
        Act, and The Americans With Disabilities Act.

18.     CHOICE OF LAW.

        This Sublease shall be governed by the laws of the State of Nevada.

SUBLESSOR: WFS Financial Inc             SUBLESSEE: WFS Receivables Corporation

By:                                      By:
   ----------------------------------       ------------------------------------
       Jon Kidwell                              John Coluccio
Title: Corporate Real Estate, Manager    Title: President

By:                                      By:
   ----------------------------------       ------------------------------------
        Lee Whatcott                            Keith Ford
Title:  CFO                              Title: Assistant Vice President

Date:                                    Date:
     --------------------------------         ----------------------------------

SUBLESSEE: WFS Receivables Corporation 2 SUBLESSEE: WFS Financial Auto Loans

By:                                      By:
   ----------------------------------       ------------------------------------
       John Coluccio                            John Coluccio
Title: President                         Title: President

By:                                      By:
   ----------------------------------       ------------------------------------
       Keith Ford                               Keith Ford
Title: Assistant Vice President          Title: Assistant Vice President

Date:                                    Date:
     --------------------------------         ----------------------------------

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SUBLESSEE: WFS Financial                 SUBLESSEE: Western Auto
           Auto Loans 2 Inc              Investments, Inc.

By:                                      By:
   ----------------------------------       ------------------------------------
       John Coluccio                            John Coluccio
Title: President                         Title: President

By:                                      By:
   ----------------------------------       ------------------------------------
       Keith Ford                               Keith Ford
Title: Assistant Vice President          Title: Assistant Vice President

Date:                                    Date:
     --------------------------------         ----------------------------------

SUBLESSEE: WFS Funding, Inc.

By:
   ----------------------------------
       John Coluccio
Title: President

By:
   ----------------------------------
       Keith Ford
Title: Assistant Vice President

Date:
     --------------------------------

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                          LESSOR'S CONSENT TO SUBLEASE

The undersigned ("Lessor"), lessor under the Master Lease, hereby consents to
the foregoing Sublease without waiver of any restriction in the Master Lease
concerning further assignment or subletting. Lessor certifies that, as of the
date of Lessor's execution hereof, Sublessor is not in default or breach of any
of the provisions of the Master Lease, and that the Master Lease has not been
amended or modified except as expressly set forth in the foregoing Sublease.

Lessor:
       ----------------------------------

By:
   --------------------------------------

Title:
      -----------------------------------

By:
   --------------------------------------

Title:
      -----------------------------------

Date:
     ------------------------------------

CONSULT YOUR ADVISORS - This document has been prepared for approval by your
attorney. No representation or recommendation is made by Broker as to the legal
sufficiency or tax consequences of this document or the transaction to which it
relates. These are questions for your attorney.

In any real estate transaction, it is recommended that you consult with a
professional, such as a civil engineer, industrial hygienist or other person,
with experience in evaluating the condition of the property, including the
possible presence of asbestos, hazardous materials and underground storage
tanks.

                                       5<PAGE>

                                                                   EXHIBIT 10.36

                    COLLATERAL PROTECTION INSURANCE AGREEMENT

        This Collateral Protection Insurance Agreement ("Agreement") is made
this ___ day of September, 2002, by and between WestFin Insurance Agency, Inc
("WFIA") and WFS Financial Inc ("WFS"), (the "Parties" or, individually,
"Party").

                                    RECITALS

        WHEREAS, Western Financial Bank (the "Bank") is the majority owner of
WFS, having formed the company as an operating subsidiary for the purpose of
conducting consumer finance activities primarily in markets not served by the
Bank;

        WHEREAS, WFIA is a wholly owned subsidiary of the Bank, formed for the
purpose of transacting the business of an insurance agency, and duly licensed
under applicable insurance laws and regulations;

        WHEREAS, WFS, in order to secure its collateral, requires that its
customers ("WFS Customers") maintain insurance on their automobile loan
policies;

        WHEREAS, in order to ensure the protection of its collateral, WFS may
engage WFIA in providing certain services that maintain the aforementioned
insurance, and as further described under the terms and conditions described
below; and

        WHEREAS, the Parties desire to set forth the terms of their relationship
in order to ensure that, in accordance with Office of Thrift Supervision ("OTS")
regulations, each Party functions as and remains a corporate entity separate and
apart from the other.

        NOW, THEREFORE, the Parties hereto agree as follows:

        This Agreement will become effective on the date stated above and will
continue in effect until terminated as provided herein.

        1.      Relationship with WFIA.

                From time to time, WFS may engage WFIA to enter into collateral
protection insurance policies on behalf of its customers ("WFS Customers"). WFIA
agrees that WFS Customers will be used solely for the purpose of executing the
collateral protection insurance policies. WFS Customers will not be used or
referred to any other person or entity without the prior express written consent
of WFS.

        2.      Authorization.

                WFS, in order to ensure that WFS Customers maintain the
requisite insurance requirements and in order to secure its collateral with WFS
Customers, authorizes WFIA to

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enter into and to execute insurance policies on behalf of WFS Customers.
Specifically, WFS authorizes WFIA to handle and process all WFS Customer Service
matters, including requests and refunds, to facilitate manual placement of and
cancellation of insurance policies, to process claims (but not adjustment of
claims), and to draft written correspondence to WFS Customers and regulatory
services, including the Department of Corporations, Better Business Bureau, and
California Department of Labor.

        3.      Term.

                3.1 This Agreement shall commence as of the date stated above
and shall continue until terminated by the Parties.

                3.2 This Agreement may be terminated by either Party without
cause upon five (5) days prior written notice, and may be terminated immediately
for breach of any covenant, obligation, or duty herein contained or for
violation of law, ordinance, statute, rule or regulation (collectively referred
to as "law") governing the conduct of either Party hereto.

                3.3 Termination shall not affect the obligations of the Parties
with respect to any event occurring before termination. Each Party shall be
bound by and responsible for any transaction or expense properly agreed to or
incurred by it in connection with services acquired hereunder but not settled,
paid or reimbursed prior to the date of any such termination.

        4.      Representations and Warranties of Each Party. Each Party hereto
represents and warrants to and for the benefit of the other as follows:

                4.1 Corporate Existence and Qualifications. Each is a
corporation duly organized, validly existing and in good standing under the laws
of the jurisdiction in which incorporated or chartered, with full corporate
power to own its properties and to carry on its business as now owned and
operated by each.

                4.2 Licenses; Compliance with Laws. Each has all licenses,
franchises, permits and authorizations necessary for the lawful conduct by it of
its business. Neither has violated, and is not in violation of, any such
licenses, franchises, permits or authorizations or any applicable statutes,
laws, ordinances, rules or regulations of any federal, state, or local
governmental bodies, agencies or subdivisions having, asserting or claiming
jurisdiction over it or over any part of its operations.

                4.3 Enforceability. Each, by its execution hereof, represents
and warrants that this Management Agreement is valid and binding upon it,
enforceable against it on its terms, and agrees to be liable for its obligations
hereunder.

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<PAGE>

        5.      Covenants Regarding Corporate Existence.

                5.1 Preservation of Corporate Existence and Qualifications. Each
Party will keep in full effect its existence, rights and franchises as a
corporation under the laws of the jurisdiction under which organized and will
obtain and preserve its qualifications to carry on business as a foreign
corporation in each jurisdiction in which such qualification is or shall be
necessary.

                5.2 Observation of Corporate Formalities. Each Party shall at
all times observe the applicable legal requirements for the recognition of the
other as a corporate entity separate and apart from the other, including without
limitation the following:

                        (i) Each shall maintain corporate records and books of
account separate from those of any other;

                        (ii) Each shall not at any time commingle its funds with
those of any other;

                        (iii) Each shall hold meetings of its Board of Directors
as appropriate to authorize its corporate actions;

                        (iv) Each shall hold meetings of its shareholder(s) as
appropriate and as required by the laws and regulations of the jurisdiction
under whose laws the Parties were formed;

                        (v) Each shall file all reports required by the
administrators or regulators of the jurisdiction in which each Party conducts
business, including without limitation, annual statements in a timely manner;
and

                        (vi) Each shall ensure that its yearly franchise taxes
are paid in a timely manner so as to maintain its corporate existence
uninterrupted.

                5.3 Advertising. Each Party will at all times hold itself out to
the public as an entity separate from the other and its advertising and
marketing shall reflect such separate corporate existence.

                5.4 OTS Regulations. Both Parties shall comply with all
applicable OTS regulations.

        6. Liability; Consultation with Counsel. Neither Party shall assume
responsibility or liability with respect to the business or affairs of the
other, other than to provide the management and administrative services and
facilities required hereunder. Each shall indemnify, defend and hold harmless
the other against and in respect of any and all claims, demands, losses, costs,
expenses, obligations, liabilities, damages, recoveries and deficiencies
(collectively the "Claims"), including without limitation interest penalties and
attorney's fees, that either shall incur or suffer,

                                       3
<PAGE>

which arise, result from or relate to (i) conduct by the other of its business
and operations and (ii) breach by the other of its obligations pursuant to this
Agreement. Notwithstanding anything contained herein to the contrary, Parties'
obligations pursuant to this section shall not be applicable to Claims arising
directly from the other's bad faith, gross negligence or willful misconduct.
This Agreement shall create no right, benefit or privilege in favor of any
person not a Party hereto, and no person not a Party hereto shall have any
recourse against any Party hereto for any advice, service or facility provided
or omitted by a Party pursuant to this Agreement. A Party may consult with legal
counsel (who may also be counsel to another Party) concerning any questions that
may arise with respect to its duties and obligations hereunder, and it shall be
fully protected in respect of any action taken or omitted by it hereunder in
good faith reliance on any opinion of such counsel with respect to any such duty
or obligation.

        7.      General.

                7.1 This Agreement may be modified, amended or superseded in
whole or in part, at any time, by a writing executed by the Parties hereto.

                7.2 This Agreement shall be governed by the laws of California,
except to the extent any such laws are superseded by federal law or regulation.

                7.3 This Agreement may be executed in counterparts, all of
which, taken together shall constitute one agreement.

                7.4 Neither Party shall assign this Agreement without the prior
written consent of the other Party, which consent shall not unreasonably be
withheld.

        Wherefore, the undersigned have executed this Agreement as of the date
first set forth above.

WFS FINANCIAL INC

By:
   -------------------------------------             Date: September __, 2002
   Mark Olson
   Senior Vice President & Controller

WESTFIN INSURANCE AGENCY

By:
   -------------------------------------             Date: September __, 2002
   Lee A. Whatcott
   Vice President & Chief Financial Officer

                                       4

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