Document:

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                                                                    EXHIBIT 10.9

[WFS FINANCIAL(R) LOGO]                              DATA ENTRY FAX 888.937.4211

                        DIRECT CONSUMER LOAN APPLICATION

You may apply for a loan in your name alone, regardless of your marital status.
If you are married, but your spouse is not applying for the loan with you,
please carefully read the following instructions: a) You do not have to give
information on your spouse if you base your application only on your separate
property or income from it. b) If you include community property (such as your
salary or that of your spouse), you must complete information on your spouse.

<TABLE>
<CAPTION>
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PURPOSE OF LOAN - FOR INTERNAL USE ONLY (REQUIRED FIELD - MUST BE COMPLETED)
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<S>                                                                                            <C>
1. [ ] RBC Refinance (DAUTO) [ ] Westfin Refinance (DUNS 8400) [ ] ARC Refinance (DUNS 8300)   RBC # CreditRevue [ ] B or [ ] C
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2. [ ] NBC Refinance, Pre-approval, Lease Buyout, or Private Party Purchase                    RBC # 824, CreditRevue B
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</TABLE>

<TABLE>
<S>                                                <C>                      <C>
[ ] Individual Loan                                [ ] Joint                [ ] Cosigner (use separate application for cosigner)
</TABLE>

<TABLE>
<CAPTION>
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Amount Requested                                                 Term
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<S>                                     <C>                      <C>         <C>             <C>                   <C>
APPLICANT
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                                                                                                                   Birthdate
First Name                              MI                       Last Name                   [ ] Jr. / [ ] Sr.     Month  Day  Year
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Driver's License Number                 Social Security Number                               Number of Dependents  Home Phone
                                                                                                                   ( )
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Current Street Address                  City                                 State           Zip                   How Long?
                                                                                                                   Years  Months
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Previous Street Address                 City                                 State           Zip                   How Long?
                                                                                                                   Years  Months
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Current Employer                        City                                 State           Zip                   How Long?
                                                                                                                   Years  Months
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Current Position                                                                                                   Business Phone
                                                                                                                   ( )
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Previous Employer                       Previous Position                                                          How Long?
                                                                                                                   Years  Months
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Gross Monthly Income From Employment*........................................................................      $
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Source of Other Income
                                        Amount of other monthly income.......................................      $
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                                                                                             Total monthly income  $
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</TABLE>

*Income from alimony, child support, or maintenance payments need not be
disclosed if applicant does not choose to rely on such income in applying for
credit.

<TABLE>
<CAPTION>
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CO-APPLICANT
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<S>                                <C>                      <C>                      <C>                         <C>
First                              MI                       Last Name                                            Birthdate
                                                                                     [ ] Jr. / [ ] Sr.           Month  Day  Year
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Check One: [ ] Married             Driver's License Number  Social Security Number   Number of Dependents        Home Phone
           [ ] Unmarried
           [ ] Separated                                                                                         ( )
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Current Street Address             City                     State                    Zip                         How Long?
                                                                                                                 Years  Months
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Previous Street Address            City                     State                    Zip                         How Long?
                                                                                                                 Years  Months
---------------------------------------------------------------------------------------------------------------------------------
Current Employer                   City                     State                    Zip                         How Long?
                                                                                                                 Years  Months
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Current Position                                                                                                 Business Phone
                                                                                                                 ( )
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Previous Employer                  Previous Position                                                             How Long?
                                                                                                                 Years  Months
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Gross Monthly Income From Employment*.......................................................................     $
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Source of Other Income
                                   Amount of other monthly income...........................................     $
---------------------------------------------------------------------------------------------------------------------------------

                                                                                     Total monthly income        $
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</TABLE>

*Income from alimony, child support, or maintenance payments need not be
disclosed if applicant does not choose to rely on such income in applying for
credit.

<TABLE>
<CAPTION>
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RENT/MORTGAGE
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<S>                     <C>                      <C>                   <C>                      <C>
[ ] Mortgage            [ ] Living with Parents  1st Mortgage Payment  2nd  Mortgage Payment    Total Mortgage Payments or Rent
[ ] Own (paid in full)  [ ] Other                $                     $                        $
[ ] Rent                                         Lender Name:          Lender Name:
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</TABLE>

<TABLE>
<CAPTION>
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VEHICLE INFORMATION
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<S>                     <C>                      <C>     <C>                            <C>     <C>                    <C>
Vehicle Year            [ ] New [ ] Used         Make                                   Model                          Mileage
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VIN Number
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Insurance Company:                                       Insurance Company Phone #:             Insurance Policy #:
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</TABLE>

<TABLE>
<CAPTION>
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TRADE IN INFORMATION
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<S>                     <C>                      <C>                   <C>                       <C>
Vehicle Year            Make                     Model                 Mileage                   Financed With:
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</TABLE>

<TABLE>
<CAPTION>
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PERSONAL REFERENCES
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<S>                                                                             <C>                     <C>
Name and Address of Nearest Relative Not Living with You                        Relationship            Phone Number
                                                                                                        ( )
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Name and Address of Personal Reference                                          Relationship            Phone Number
                                                                                                        ( )
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Name and Address of Personal Reference                                          Relationship            Phone Number
                                                                                                        ( )
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Name and Address of Personal Reference                                          Relationship            Phone Number
                                                                                                        ( )
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</TABLE>

All of the above information is correct and complete. I understand that you will
be relying on this information in deciding whether to extend the credit to me.
You may check my credit and employment history, the above information, or obtain
other information from any source you choose and reverify it from time to time.
I agree that this application shall remain your property, whether or not credit
is granted. Credit Reports may be obtained in connection with my application.
Upon request, I will be informed if a credit report was obtained, if so, you
will provide the name and address of the credit reporting agency that furnished
the report. You may furnish to others information about my credit and account
experience with you. I agree to be bound by the terms and conditions of the
credit extended to me. I agree to notify you if there is a change in my
financial condition, or if I change my employment or address. If this
application is for a joint account or cosigner, this statement applies to both
of us. I authorize WFS Financial to share information on my account with its
affiliated and subsidiary companies. I also authorize you to share my credit
information with other creditors for the purpose of providing me with the credit
I seek to obtain. I will notify you in writing if I do not wish my information
to be shared.

<TABLE>
<CAPTION>
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Applicant's Signature              Date                      Co-Applicant's Signature, if applicable           Date
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<S>                                <C>                       <C>                                               <C>
</TABLE>

<PAGE>

[WFS FINANCIAL(R) LOGO]                              DATA ENTRY FAX 888.937.4211

        IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name,
address, date or birth, and other information that will allow us to identify
you. We may also ask to see your driver's license or other identifying
documents.<PAGE>

                                                                 EXHIBIT 10.10.3

                     WESTCORP EMPLOYEE STOCK OWNERSHIP PLAN
                             AND SALARY SAVINGS PLAN
            (As Amended and Restated Effective as of January 1, 2001)

                               AMENDMENT NO. THREE

                  This amendment to the Westcorp Employee Stock Ownership Plan
and Salary Savings Plan (the "Plan") is adopted to reflect certain provisions of
the Economic Growth and Tax Relief Reconciliation Act of 2001 ("EGTRRA"). This
amendment is intended as good faith compliance with the requirements of EGTRRA
and is to be construed in accordance with EGTRRA and guidance issued thereunder.
Except as otherwise provided, this amendment shall be effective as of January 1,
2002. This amendment shall supersede Plan provisions to the extent those
provisions are inconsistent with the provisions of this amendment.

SECTION 1. LIMITATIONS ON CONTRIBUTIONS

                  Maximum Annual Addition. Except to the extent permitted under
section 414(v) of the Code, if applicable, the annual addition that may be
contributed or allocated to a participant's account under the Plan for any
limitation year shall not exceed the lesser of:

                  (a)      $40,000, as adjusted for increases in the
cost-of-living under section 415(d) of the Code, or

                  (b)      100 percent of the participant's compensation, within
the meaning of section 415(c)(3) of the Code, for the limitation year.

                  The compensation limit referred to in (b) shall not apply to
any contribution for medical benefits after separation from service (within the
meaning of section 401(h) or section 419A(f)(2) of the Code) which is otherwise
treated as an annual addition.

SECTION 2. INCREASE IN COMPENSATION LIMIT

                  The annual compensation of each participant taken into account
in determining allocation for any Plan year beginning after December 31, 2001,
shall not exceed $200,000, as adjusted for cost-of-living increases in
accordance with section 401(a)(17)(B) of the Code. Annual compensation means
compensation during the Plan year or such other consecutive 12-month period over
which compensation is otherwise determined under the Plan (the determination
period). The cost-of-living adjustment in effect for a calendar year applies to
annual compensation for the determination period that begins with or within such
calendar year.

SECTION 3. SUSPENSION PERIOD FOLLOWING HARDSHIP DISTRIBUTION.

<PAGE>

         A Participant who receives a distribution of elective deferrals after
December 31, 2001, on account of hardship shall be prohibited from making
elective deferrals and employee contributions under this and all other plans of
the employer for six months after receipt of the distribution. Furthermore, a
Participant who receives a distribution of elective deferrals in calendar year
2001 on account of hardship shall be prohibited from making elective deferrals
and employee contributions under this and all other plans until the later of
January 1, 2002, or six months after receipt of the distribution.

SECTION 4. DIRECT ROLLOVERS OF PLAN DISTRIBUTIONS

         4.1      Modification of Definition of Eligible Retirement Plan. For
purposes of the direct rollover provisions in section 9.5 of the Plan, an
eligible retirement plan shall also mean an annuity contract described in
section 403(b) of the Code and an eligible plan under section 457(b) of the Code
which is maintained by a state, political subdivision of a state, or any agency
or instrumentality of a state or political subdivision of a state and which
agrees to separately account for amounts transferred into such plan from this
plan. The definition of eligible retirement plan shall also apply in the case of
a distribution to a surviving spouse, or to a spouse or former spouse who is the
alternate payee under a qualified domestic relation order, as defined in section
414(p) of the Code.

         4.2      Modification of Definition of Eligible Rollover Distribution
to Exclude Hardship Distributions. For purposes of the direct rollover
provisions in section 9.5 of the plan, any amount that is distributed on account
of hardship shall not be an eligible rollover distribution and the distributee
may not elect to have any portion of such a distribution paid directly to an
eligible retirement plan.

SECTION 5. ROLLOVERS FROM OTHER PLANS

         5.1      The plan will accept participant rollover contributions and/or
direct rollovers of distributions made after December 31, 2001, from the
following types of plans:

                  (i)      a qualified plan described in section 401(a) or
403(a) of the Code.

                  (ii)     an annuity contract described in section 403(b) of
the Code.

                  (iii)    an eligible plan under section 457(b) of the Code
which is maintained by a state, political subdivision of a state, or any agency
or instrumentality of a state or political subdivision of a state.

         5.2      Participant Rollover Contributions from IRAs:

                  The plan will also accept a participant rollover contribution
of the portion of a distribution from an individual retirement account or
annuity described in section 408(a) or

                                      -2-
<PAGE>

408(b) of the Code that is eligible to be rolled over and would otherwise be
includible in gross income.

SECTION 6. ROLLOVERS DISREGARDED IN INVOLUNTARY CASH-OUTS

                  Rollovers disregarded in determining value of account balance
for involuntary distributions. For purposes of section 8.4 and 9.4 of the plan,
the value of a participant's nonforfeitable account balance shall be determined
without regard to that portion of the account balance that is attributable to
rollover contributions (and earnings allocable thereto) within the meaning of
sections 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii) and 457(e)(16) of the
Code. If the value of the participant's nonforfeitable account balance as so
determined is $5,000 or less, the plan shall immediately distribute the
participant's entire nonforfeitable account balance.

SECTION 7. MODIFICATION OF TOP-HEAVY RULES

         7.1      Effective Date. This section shall apply for purposes of
determining whether the Plan is a top-heavy Plan under section 416(g) of the
Code for Plan years beginning after December 31, 2001, and whether the Plan
satisfies the minimum benefits requirements of section 416(c) of the Code for
such years. This section amends Section 10 of the Plan.

         7.2      Determination of Top-heavy Status.

                  (a)      Key Employee. Key employee means any employee or
former employee (including any deceased employee) who at any time during the
Plan year that includes the determination date was an officer of the employer
having annual compensation greater than $130,000 (as adjusted under section
416(i)(1) of the Code for Plan years beginning after December 31, 2002), a
5-percent owner of the employer, or a 1-percent owner of the employer having
annual compensation of more than $150,000. For this purpose, annual compensation
means compensation within the meaning of section 415(c)(3) of the Code. The
determination of who is a key employee will be made in accordance with section
416(i)(1) of the Code and the applicable regulations and other guidance of
general applicability issued thereunder.

                  (b)      Determination of Present Values and Amounts. This
section 7.2 shall apply for purposes of determining the present values of
accrued benefits and the amounts of account balances of employees as of the
determination date.

                           (i)      Distributions during year ending on the
determination date. The present values of accrued benefits and the amounts of
account balances of an employee as of the determination date shall be increased
by the distributions made with respect to the employee under the Plan and any
plan aggregated with the Plan under section 416(g)(2) of the Code during the
1-year period ending on the determination date. The preceding sentence shall
also apply to distributions under a terminated plan which, had it not been
terminated, would have been aggregated with the Plan under section
416(g)(2)(A)(i) of the Code. In the case of a distribution made for a reason
other than separation from service, death, or disability, this provision shall
be

                                      -3-
<PAGE>

applied by substituting "5-year period" for "1-year period."

                           (ii)     Employees not performing services during
year ending on the determination date. The accrued benefits and accounts of any
individual who has not performed services for the employer during the 1-year
period ending on the determination date shall not be taken into account.

         7.3      Minimum Benefits.

                  (a)      Matching Contributions. Employer matching
contributions shall be taken into account for purposes of satisfying the minimum
contribution requirements of section 416(c)(2)(2) of the Code and the Plan. The
preceding sentence shall apply with respect to matching contributions under the
Plan or, if the Plan provides that the minimum contribution requirement shall be
met in another plan, such other plan. Employer matching contributions that are
used to satisfy the minimum contribution requirements shall be treated as
matching contributions for purposes of the actual contribution percentage test
and other requirements of section 401(m) of the Code.

                  (b)      Contributions Under Other Plans. The employer may
provide in the adoption agreement that the minimum benefit requirement shall be
met in another plan (including another plan that consists solely of a cash or
deferred arrangement which meets the requirements of section 401(k)(12) of the
Code and matching contributions with respect to which the requirements of
section 401(m)(11) of the Code are met).

SECTION 8. REPEAL OF MULTIPLE-USE-TEST

                  The multiple-use test described in Treasury Regulation Section
1.401(m)-2 and the Plan shall not apply for Plan Years beginning after December
31, 2001.

         To signify its adoption of this Plan Amendment, the Administrative
Committee of the Westcorp Employee Stock Ownership and Salary Savings Plan has
caused its duly authorized officer to execute this document this ___ day of
___________, 2002.

                                        WESTCORP,
                                        A California Corporation

                                        By _________________________________

                                        Title _______________________________

                                      -4-

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