Document:

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                                                                   EXHIBIT 10.29

                               REFERRAL AGREEMENT

        This Agreement ("Agreement") is made this 16th day of September, 2002,
by and between Western Financial Bank ("WFB"), WestFin Insurance Agency ("WFIA")
and WFS Financial Inc ("WFS"), (the "Parties" or, individually, "Party").

                                    RECITALS

        WHEREAS, WFB 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 WFB;

        WHEREAS, the Parties, in exchange for a fee, desire to refer customers
to one another on 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.      Referrals.

                1.1 From time to time, each Party ("Referring Party") may desire
to refer their customers ("Customers") to another Party ("Using Party"). Exhibit
"A", as amended from time to time, attached hereto and incorporated herein,
identifies the Referring Party and the Using Party, the type of and purpose for
the referral, and the fee therefor. The Using Party agrees that the customers of
Referring Party will be used solely for marketing and solicitation by the Using
Party. The Customers will not be referred to any other person or entity without
the prior express written consent of Referring Party.

        2.      Time and Method of Payment.

                2.1 Fees for referred Customers who then become Customers of the
Using Party shall be payable by the Using Party. By the 20th day of the billing
period, the Accounting Department of the Referring Party shall make allocations
to the Using Party at the time and frequency shown on Exhibit "A" but in any
case not less than quarterly. The respective Accounting

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Departments of the Using Parties shall make all necessary entries to the
separate books and records of the Using Party to record the allocation and
reimbursement thereof.

        3.      Term.

                3.1 This Agreement shall commence as of the date stated above
and shall continue until terminated by the Parties for items listed on Exhibit
"A".

                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.

        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.

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                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, 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

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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.

WESTERN FINANCIAL BANK

By:                                             Date: September __, 2002
   -----------------------------------
   Thomas A. Wolfe, President

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

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<PAGE>

                                    EXHIBIT A

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------------
   REFERRING PARTY        USING PARTY           PURPOSE            REFERRAL FEE         PAYABLE
-----------------------------------------------------------------------------------------------------
<S>                     <C>              <C>                     <C>               <C>
WFS                     WFB              Checking Account        $25               Monthly
-----------------------------------------------------------------------------------------------------
WFS                     WFB              Money Market Account    $25               Monthly
-----------------------------------------------------------------------------------------------------
WFB                     WFS              Origination of          $250 per funded   Monthly
                                         Consumer Auto Loans     loan
                                         (applicable to
                                         National Business
                                         Centers Only)
-----------------------------------------------------------------------------------------------------
WFS                     WFB              Credit Card Fees        WFB 51.94%        Quarterly
                                         related to First USA    WFS 48.06%
                                         Agent Banks
-----------------------------------------------------------------------------------------------------
WFS                     WFIA             Origination by dealer   $60               Monthly
                                         of Consumer Auto
                                         Loans marketed by WFS
                                         which sold GAP
                                         coverage.
-----------------------------------------------------------------------------------------------------
</TABLE>

                                       5<PAGE>

                                                                   EXHIBIT 10.30

      FUTURE INTEREST PAYMENT HEDGE GUARANTEE AND REIMBURSEMENT AGREEMENT

This Future Interest Payment Guarantee and Reimbursement Agreement ("Agreement")
is made as of this 19th day of September, 2002, by and between Western Financial
Bank, a federal savings bank ("Bank" or "WFB"), WFS Financial Inc, a California
corporation ("WFS") and is based upon the following recitals. The aforementioned
parties shall hereinafter be collectively referred to as "Companies."

                                    RECITALS

A.      WFB is the parent company of WFS.

B.      WFB desires to reduce the level of interest rate risk for future
        interest payments resulting from secured financing activities at a cost
        lower than WFS could otherwise obtain on its own.

C.      In consideration of the above recital B, WFB is willing to guarantee the
        timely payment of all costs related to the execution of the future
        interest payment hedge transactions entered into on behalf of WFS, and
        WFS agrees to reimburse WFB for such costs after WFB settles such
        transactions.

                                    AGREEMENT

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

1.      The above recitals are hereby incorporated into this Agreement by
        reference and made a part hereto.

2.      Guarantee. WFB hereby guarantees the timely payment of all costs related
        to the execution of the future interest payment hedge transactions
        entered into on the behalf of WFS.

3.      Reimbursement. WFS agrees to reimburse WFB for such costs after WFB
        settles such transactions.

4.      Further Assurances. The Companies agree that they will modify, amend, or
        restate any provision of this Agreement as necessary in order to insure
        that this Agreement complies with all applicable federal laws and OTS
        regulations with respect to transacting business between the parties.

5.      Term.

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

        5.2     This Agreement 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 any party hereto.

<PAGE>

        5.3     Termination shall not effect the obligations of the Companies
                with respect to any event occurring before termination. Each
                Company shall be bound by and responsible for any transaction or
                expense properly agreed to or incurred by the other Company 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.

6.      Representations and Warranties of Each Company. Each Company on its
        behalf alone represents and warrants to and for the benefit of the other
        Company as follows:

        6.1     Corporate Existence and Qualifications. Each Company is either a
                corporation or association duly organized, validly existing and
                in good standing under the laws of the United States or of the
                State of California, as applicable, with full corporate power to
                own its properties and to carry on its business as now owned and
                operated by Company.

        6.2     Licenses: Compliance with Laws. Each Company has all licenses,
                franchises, permits and authorizations necessary ("Licenses"),
                or is otherwise exempt from having to obtain such Licenses, for
                the lawful conduct by the respective Company of its business.
                Neither Company has violated, nor is in violation of, any such
                licenses, franchises, permits or authorizations or any
                applicable statues, 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.

7.      Covenants Regarding Corporate Existence.

        7.1     Preservation of Corporate Existence and Qualifications. Each
                Company shall keep in full effect its existence, rights and
                franchises as a corporation or association under the laws of the
                jurisdiction in which each is 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.

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

                (a)     Each Company shall maintain corporate records and books
                        of account separate from those of every other Company;

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

                (c)     Each Company 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 Company shall file all reports required by the
                        Secretary of State in any and all jurisdictions in which
                        that Company is licensed or qualified,

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                        including the annual statement by whatever name
                        denominated, in a timely manner; and

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

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

        7.4     OTS Regulations. Each Company shall comply with all applicable
                OTS regulations.

8.      Liability; Consultation with Counsel. With respect to the obligations
        hereunder, no Company shall assume responsibility or liability with
        respect to the business or affairs of any other Company except to the
        extent provided for in this Agreement. Each benefiting Company under
        this Agreement ("Indemnitor") shall indemnify, defend and hold harmless
        the performing Company 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 Company 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 the performing Company'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 the performing
        Company for any advice, service or facility provided or omitted by
        performing Company pursuant to this Agreement. The performing Company
        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.

9.      General.

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

        9.2     The laws of California shall govern this Agreement, except to
                the extent federal law or regulation supersedes any such laws.

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

        9.4     No Company shall assign this Agreement without the prior written
                consent of each of the other Companies, which consent shall not
                unreasonably be withheld.

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

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<PAGE>

WESTERN FINANCIAL BANK

By:
   -------------------------------------
     Thomas A. Wolfe
Its: President

WFS FINANCIAL INC

By:
   -------------------------------------
     J. Keith Palmer
Its: Sr. Vice President & Treasurer

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