Document:

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                                                                   EXHIBIT 10.31

                             LOGO LICENSE AGREEMENT

        THIS LOGO LICENSE AGREEMENT ("Agreement"), effective as of December 31,
2002, is by and between Western Financial Bank (the "Bank") and all of the
following entities:

Westcorp                                   WFS Funding, Inc.
WFS Financial Inc.                         WFS Investments, Inc.
Western Consumer Products                  Westran Services Corporation
WFS Receivables Corporation                WestFin Insurance Agency, Inc.
WFS Receivables Corporation 2              Western Auto Investments, Inc.
WFS Receivables Corporation 3              Western Consumer Services, Inc.
WFS Financial Auto Loans, Inc.             Westhrift Life Insurance Entity, Inc.
Western Financial Auto Loans 2, Inc.       Western Reconveyance Entity, Inc.
The Hammond Company, The Mortgage Bankers  WFS Web Investments, Inc.

                   Individually referred to as the ("Entity")

        WHEREAS, the Bank is the owner of the trademark and logo (hereinafter
called the "Marks") and registrations as set forth in Exhibit A to this
Agreement.

        WHEREAS, each Entity is desirous of using the Marks in order to promote
brand name recognition and customer loyalty.

        NOW, THEREFORE, in consideration of the foregoing and of the mutual
promises hereinafter set forth, the parties agree as follows:

        1. Grant of License. The Bank grants to each Entity a nonexclusive,
nontransferable, royalty-free license to use the Marks in connection with each
Entity's marketing of its products including, but not limited to, the use of
Marks on letterhead, business cards, and other forms of advertising. Each Entity
accepts the license subject to the following terms and conditions.

        2. Ownership of Marks. Each Entity acknowledges the ownership of the
Marks as those belonging to WFB and agrees that it will do nothing inconsistent
with such ownership and that all use of the Marks by the Entity shall inure to
the benefit of and be on behalf of WFB. Each Entity agrees that nothing in this
Agreement shall give it any right, title or interest in the Marks other than the
right to use the Marks in accordance with this Agreement and the Entity agrees
that it will not attack the title of WFB to the Marks or attack the validity of
this Agreement.

        3. Quality Standards; Form of Use. Each Entity agrees that the nature
and quality of all goods sold by it under the Marks shall be of a high quality
consistent with each Entity's current product line. The Entity agrees that all
related advertising, promotional and other uses of the Marks by it including
appropriate legends, and shall conform to any WFB guidelines.

        4. Quality Maintenance. Each Entity agrees to cooperate with the Bank in
facilitating the Bank's verification of such nature and quality, to permit
reasonable inspection of its operation, and to supply the Bank with specimens of
all uses of the Marks upon request. Each Entity shall comply with all applicable
laws and regulations and obtain all appropriate government approvals pertaining
to the sale, distribution, export, import and advertising of goods and services
covered by this Agreement.

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        5. Infringement Proceedings; No Warranty. Each Entity agrees to notify
the Bank of any unauthorized use of the Marks by others promptly as it comes to
its attention. The Bank shall have the sole right and discretion to bring or not
bring infringement or unfair competition proceedings involving the Marks. The
Bank makes no representations or warranties regarding the Marks, its rights
therein, or the validity thereof.

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

                a.      Each Entity shall maintain corporate records and books
                        of account separate from those of the other Entity;

                b.      Each Entity shall hold meetings of its Board of
                        Directors as appropriate to authorize its corporate
                        actions;

                c.      Each Entity shall hold meetings of its shareholder(s) as
                        appropriate and as required by applicable law in the
                        jurisdiction in which organized to authorize its
                        corporate actions;

                d.      Each Entity shall file all reports required by the
                        Secretary of State in any and all jurisdictions in which
                        Entity is licensed or qualified, including the annual
                        statement by whatever name denominated, in a timely
                        manner; and

                e.      Each Entity shall ensure that any applicable yearly
                        franchise taxes are paid in a timely manner so as to
                        maintain its corporate existence uninterrupted.

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

        6.2 OTS Regulations. Each Entity shall comply with all applicable OTS
regulations.

        7. Liability; Consultation with Counsel. With respect to the obligations
hereunder, no Entity shall assume responsibility or liability with respect to
the business or affairs of the other Entity except to the extent provided for in
this Agreement. Each benefiting Entity under this Agreement ("Indemnitor") shall
indemnify, defend and hold harmless the performing Entity 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 such
performing Entity shall incur or suffer, which arise, result from or relate to
(i) conduct by Indemnitor of its business and operations and (ii) breach by
Indemnitor of its obligations pursuant to this Agreement. Notwithstanding
anything contained herein to the contrary, Indemnitor's obligations pursuant to
this section shall not be applicable to Claims arising directly from performing
Entity'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 performing
Entity

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for any advice, service or facility provided or omitted by performing Entity
pursuant to this Agreement. Performing Entity may consult with legal counsel
(who may also be counsel to Indemnitor) 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.

        8. Term. This Agreement shall continue in force and effect without
terminations, subject to the Bank's right to revoke this license at any time and
for any reason without being liable for any costs associated with the
cancellation of the license.

        9. Effect of Termination. Within thirty (30) days of the termination of
this Agreement each Entity agrees to discontinue all use of the Marks and any
term confusingly similar thereto, and to delete the same from its corporate or
business name, to cooperate with the Bank or its appointed agent to apply to the
appropriate authorities to destroy all printed materials bearing any of the
Marks, and that all rights in the Marks and the goodwill connected therewith
shall remain the property of the Bank.

        10. Miscellaneous. It is agreed that this Agreement may be interpreted
according to the internal laws of the State of California, United States of
America excluding the body of law relating to the conflict of law. Venue for all
disputes arising out of or related to this Agreement shall be the state and
federal courts located in Orange County, California. This Agreement constitutes
the entire agreement of the parties with respect to the subject matter hereof
and may not be modified, nor any provision waived, except by a writing signed by
both parties. Any breach of the provisions of this Agreement could cause the
Bank irreparable damage, and in case of any breach the Bank shall be entitled to
obtain appropriate equitable relief. No Entity may assign, transfer or
sublicense this Agreement nor any of the rights granted hereunder, except upon
obtaining the Bank's prior written consent. Any such purported assignment,
transfer or sublicense without such consent is void and shall be of no affect.
This agreement may be executed in counterparts.

        IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the day and year first above written.

WESTERN FINANCIAL BANK                   WESTCORP

By:                                      By:
   ----------------------------------       ------------------------------------
       Marguerite Drew                          Thomas A. Wolfe
Title: Senior Vice President & Director  Title: President

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

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WFS FINANCIAL INC                        WESTERN CONSUMER PRODUCTS

By:                                      By:
   ----------------------------------       ------------------------------------
        Lee A. Whatcott                          Mark Marty
Title:  Senior Executive Vice             Title: President
        President, Chief Financial
        Officer & Chief
        Operating Officer

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

WFS RECEIVABLES CORPORATION              WFS RECEIVABLES CORPORATION 2

By:                                      By:
   ----------------------------------       ------------------------------------
       Keith Ford                               John Coluccio
Title: Assistant Vice President &        Title: President
       Secretary

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

WFS RECEIVABLES CORPORATION 3            WESTFIN SECURITIES CORPORATION

By:                                      By:
   ----------------------------------       ------------------------------------
       Keith Ford                               Lee A. Whatcott
Title: Assistant Vice President &        Title: Vice President
       Secretary

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

WFS FINANCIAL AUTO LOANS, INC            WFS FINANCIAL AUTO LOANS 2, INC.

By:                                      By:
   ----------------------------------       ------------------------------------
       John Coluccio                            Keith Ford
Title: President                         Title: Assistant Vice President &
                                                Secretary

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

WFS INVESTMENTS, INC.                    WFS FUNDING, INC.

By:                                      By:
   ----------------------------------       ------------------------------------
       J. Keith Palmer                          Keith Ford
Title: Vice President & Treasurer        Title: Assistant Vice President &
                                                Secretary

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

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WESTFIN INSURANCE AGENCY, INC.           WESTERN AUTO INVESTMENTS, INC.

By:                                      By:
   ----------------------------------       ------------------------------------
       Thomas A. Wolfe                          John Coluccio
Title: President                         Title: President

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

WESTERN CONSUMER SERVICES, INC.          WESTHRIFT LIFE INSURANCE COMPANY, INC.

By:                                      By:
   ----------------------------------       ------------------------------------
       Shelley M. Chase                         Lee A. Whatcott
Title: Vice President                    Title: President, Chief Financial
                                                Officer & Chief
                                                Operating Officer

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

WESTERN RECONVEYANCE COMPANY, INC.       WESTRAN SERVICES CORPORATION

By:                                      By:
   ----------------------------------       ------------------------------------
       Mark Olson                               Shelley M. Chase
Title: Vice President & Controller       Title: President

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

WFS WEB INVESTMENTS, INC.                THE HAMMOND COMPANY, THE
                                         MORTGAGE BANKERS, INC.

By:                                      By:
   ----------------------------------       ------------------------------------
       Thomas A. Wolfe                          Lee A. Whatcott
Title: President                         Title: Chief Financial Officer

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

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                                    EXHIBIT A

[WFS FINANCIAL LOGO]

                                       6<PAGE>

                                                                   EXHIBIT 10.32

                            TRAVEL SERVICES AGREEMENT

        This TRAVEL SERVICES AGREEMENT ("Agreement") is made as of this _____
day of August, 2002, by and between Westran Services Corp., a California
corporation ("Westran") and Westcorp, a California corporation ("Westcorp"),
Western Financial Bank, a federally chartered savings bank (the "Bank"), WFS
Financial Inc, a California corporation ("WFS"), and WestFin Insurance Agency,
Inc. ("WFIA"), a California company ("Companies" or in the singular "Company").

                                    RECITALS

        A.      Whereas, Westran, Westcorp, WFS, the Bank and WFIA have
previously entered into a Travel Services Agreement, dated as of January 1,
1996, as subsequently amended (the "Original Agreement");

        B.      Whereas, in accordance with Section 8.1 of the Original
Agreement, the Companies desire to supercede the Original Agreement, in whole,
and replace it with this Agreement;

        C.      Whereas, the Companies desire to retroactively apply this
Agreement as of February 27, 2002;

        D.      Whereas, Westcorp is the sole shareholder of Westran, having
formed Westran as a wholly-owned subsidiary for the purpose of providing travel
services;

        E.      Whereas, Westcorp is the sole shareholder of the Bank, which in
turn is the majority shareholder of WFS and WFIA;

        F.      Whereas, the Companies desire to obtain travel services from
Westran on a nonexclusive basis;

        G.      Whereas, Westran is willing to provide such travel services, on
the terms and conditions described below; and

        H.      Whereas, Westran and the Companies desire to set forth the terms
of their relationship in order to ensure that, in accordance with Office of
Thrift Supervision ("OTS") regulations, Westran functions as and remains a
corporate entity separate and apart from the Companies and to ensure that
Westran and the Companies meet the requirements of Sections 23A and 23B of the
Federal Reserve Act, as implemented by OTS Regulations 563.41 and 563.42
(Transactions with Affiliates).

                                    AGREEMENT

        Now therefore, in consideration of the mutual promises set forth herein,
and in reliance upon the recitals set forth above, the parties agree as follows:

        1.      Westran will provide non-exclusive travel related services for
the Companies, including but not limited to arranging for commercial, corporate
(Part 91 Federal Aviation Regulations ("FAR")), or charter (Part 135 FAR) air
transportation, ground transportation, and lodging.

<PAGE>

        2.      Services

                2.1 Corporate Aircraft Services. Westran has a corporate
aircraft available for use. If an employee of Company wishes to use the
corporate aircraft, employee completes a Westran Corporate Aircraft Request form
("CAR"), and obtains approval from Ernest Rady, or Thomas Wolfe, or Lee
Whatcott, in accordance with the policy established by Companies. The CAR is
submitted to the Westran Travel Coordinator who schedules the trip. Travel
Coordinator will advise requester of the prevailing rate prior to finalizing any
booking.

                2.2 Charter Aircraft Services. Westran has its corporate
aircraft available for charter through its lessee, Elite Aviation. Pursuant to
its agreement with Elite Aviation, Westran reserves the right to override a
charter arranged by Elite Aviation to a non-related entity; however, as much
advance notice as possible is requested in order to minimize scheduling
conflicts. Additionally, Company use may be booked as a charter in certain
instances, such as when Elite Aviation charter is overridden by Company use.

                2.3 Commercial Air Travel. Westran will coordinate and arrange
commercial air travel for employees of Companies consistent with the policies of
requesting Company. Employees submit to the Westran Travel Coordinator a
completed Commercial Travel Request form ("CTR"), approved in accordance with
travel policies establish by the Companies.

                2.4 Ancillary Travel Services. Ancillary travel services,
including lodging and ground transportation, may be arranged through Westran in
conjunction with scheduled charter or commercial air travel.

                2.5 Administrative Service. Westran will provide administrative
services necessary to accomplish travel coordination and planning. Such services
include, but are not limited to, the time of the Travel Coordinator and
materials and supplies.

        3.      Time and Method of Payment.

                3.1 Corporate air travel services will be billed by Westran at
the prevailing charter rate established with Elite Aviation. The current rate is
$1,850.00 per hour, and is the rate charged by Elite Aviation to non-related
third parties. This rate is subject to change without notice to Companies.

                3.2 Commercial air travel and ancillary travel services shall be
direct billed to the using Company at actual cost.

                3.3 Companies acknowledge that Westran incurs administrative
costs in coordinating travel for Companies and Companies agree to reimburse
Westran for these administrative costs. Westran shall estimate the time spent by
the Travel Coordinator for each Company in performing travel related services
and the costs of material and supplies and will bill the Companies accordingly.
The charges for administrative service are and will be consistent with costs
incurred by Companies when Companies perform these functions internally. Westran
hereby agrees to pass on to the Companies in the same ratio as the Companies use
travel services, any revenue received by Westran as a result of the revenue
sharing provisions of its agreement with an outside travel management company.

        Costs shall be billed by Westran and shall be payable by the Companies
within thirty (30) days of receipt of invoice from Westran. Westcorp's
Accounting Department under the

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direction of the Controller, shall administer the reimbursement and reflect the
reimbursement on the separate books and records of Westran and the Companies,
respectively.

        4.      Term.

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

                4.2 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.

                4.3 Termination shall not affect the obligations of the parties
with respect to any event occurring before termination. Westran shall be bound
by and responsible for any transaction or expense properly agreed to or incurred
by Companies in connection with services performed hereunder but not settled,
paid or reimbursed prior to the date of any such termination. Upon termination
of this Agreement, the fee referred to above will be prorated, but the due date
thereof shall not be changed.

        5.      Representations and Warranties of Westran. Westran represents
and warrants to and for the benefit of Companies as follows:

                5.1 Corporate Existence and Qualifications. Westran is a
corporation duly organized, validly existing and in good standing under the laws
of the State of California, with full corporate power to own its properties and
to carry on its business as now owned and operated by Westran.

                5.2 Licenses: Compliance with Laws. Westran has all licenses,
franchises, permits and authorizations necessary for the lawful conduct by
Westran of its business. Westran has not 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.

        6.      Covenants regarding Corporate Existence.

                6.1 Preservation of Corporate Existence and Qualifications.
Westran will keep in full effect its existence, rights and franchises as a
corporation under the laws of the State of California 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.

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

                        (i) Westran shall maintain corporate records and books
of account separate from those of Companies;

                        (ii) Westran shall not at any time commingle its funds
with those of Companies;

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<PAGE>

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

                        (iv) Westran shall hold meetings of its shareholder as
appropriate and as required by the California Corporations Code to authorize its
corporate actions;

                        (v) Westran shall file all reports required by the
California Secretary of State, including the yearly Statement By Domestic Stock
Corporation, in a timely manner; and

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

                6.3 Advertising. Westran will at all times hold itself out to
the public as an entity separate from Companies and its advertising and
marketing shall reflect such separate corporate existence.

                6.4 OTS Regulations. Westran shall comply with all applicable
OTS regulations, including 12 C.F.R. Section 563.41 and Section 563.42. If
required by 12 C.F.R. Section 563.37(b), any instrument evidencing borrowing by
Westran shall indicate that Companies are in no way responsible for any such
debt.

        7. Liability; Consultation with Counsel. Companies shall assume no
responsibility or liability with respect to the business or affairs of Westran,
other than to provide the management and administrative services and facilities
required hereunder. Westran shall indemnify, defend and hold harmless Companies
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 Companies shall incur or suffer, which arise, result from or relate to (i)
conduct by Westran of its business and operations and (ii) breach by Westran of
its obligations pursuant to this Agreement. Notwithstanding anything contained
herein to the contrary, Westran's obligations pursuant to this section shall not
be applicable to Claims arising directly from Companies'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 Companies for any advice, service
or facility provided or omitted by Companies pursuant to this Agreement.
Companies may consult with legal counsel (who may also be counsel to Westran)
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.

        8.      General.

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

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

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

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                8.4 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 on the date set forth
below to be effective as of the date first set forth above.

WESTRAN SERVICES CORP.

By:                                             Date: August ____, 2002
   -----------------------------------
   Shelley M. Chase

WESTCORP

By:                                             Date: August ____, 2002
   -----------------------------------
   Lee Whatcott

WESTERN FINANCIAL BANK

By:                                             Date: August ____, 2002
   -----------------------------------
   James E. Tecca

WESTERN FINANCIAL INC

By:                                             Date: August ____, 2002
   -----------------------------------
   Thomas A. Wolfe

WESTFIN INSURANCE AGENCY, INC.

By:                                             Date: August ____, 2002
   -----------------------------------
   Mark Olson

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