EX-20.1 3 v95712exv20w1.txt EXHIBIT 20.1 EXHIBIT 20.1 WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class A-1 Original Principal Balance 211,000,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 211,000,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 161,752,042.26 766.597357 Pool Factor 0.766597 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 49,247,957.74 233.402643 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 49,247,957.74 233.402643 Principal Distribution Amount 49,247,957.74 233.402643 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 374,173.33 1.773333 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 374,173.33 1.773333 Interest Distribution Amount 374,173.33 1.773333 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class A-2 Original Principal Balance 491,000,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES: TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 491,000,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 491,000,000.00 1000.000000 Pool Factor 1.000000 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 0.00 0.000000 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 0.00 0.000000 Principal Distribution Amount 0.00 0.000000 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 1,252,731.94 2.551389 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 1,252,731.94 2.551389 Interest Distribution Amount 1,252,731.94 2.551389 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class A-3 Original Principal Balance 168,000,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES: TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 168,000,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 168,000,000.00 1000.000000 Pool Factor 1.000000 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 0.00 0.000000 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 0.00 0.000000 Principal Distribution Amount 0.00 0.000000 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 613,433.33 3.651389 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 613,433.33 3.651389 Interest Distribution Amount 613,433.33 3.651389 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class A-4 Original Principal Balance 373,300,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES: TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 373,300,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 373,300,000.00 1000.000000 Pool Factor 1.000000 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 0.00 0.000000 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 0.00 0.000000 Principal Distribution Amount 0.00 0.000000 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 1,796,506.25 4.812500 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 1,796,506.25 4.812500 Interest Distribution Amount 1,796,506.25 4.812500 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class B-1 Original Principal Balance 53,430,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES: TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 53,430,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 53,430,000.00 1000.000000 Pool Factor 1.000000 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 0.00 0.000000 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 0.00 0.000000 Principal Distribution Amount 0.00 0.000000 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 222,847.63 4.170833 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 222,847.63 4.170833 Interest Distribution Amount 222,847.63 4.170833 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class C-1 Original Principal Balance 60,560,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES: TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 60,560,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 60,560,000.00 1000.000000 Pool Factor 1.000000 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 0.00 0.000000 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 0.00 0.000000 Principal Distribution Amount 0.00 0.000000 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 279,417.11 4.613889 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 279,417.11 4.613889 Interest Distribution Amount 279,417.11 4.613889 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003-4 OWNER TRUST Statement to Securityholders for Collection Period ended December 31, 2003 for Distribution Date of January 20, 2004 Class D-1 Original Principal Balance 46,335,000.00 PER $1000 ORIG PRIN AGGREGATE BALANCES: TOTALS BALANCE Aggregate Unpaid Principal Balance as of Prior Distribution Date 46,335,000.00 1000.000000 Aggregate Unpaid Principal Balance as of Current Distribution Date 46,335,000.00 1000.000000 Pool Factor 1.000000 PRINCIPAL DISTRIBUTABLE AMOUNT: Note Monthly Principal Distributable Amount 0.00 0.000000 Plus: Prior Principal Carryover 0.00 0.000000 ---------------- Total Principal Distributable Amount 0.00 0.000000 Principal Distribution Amount 0.00 0.000000 ---------------- Current Principal Carryover 0.00 0.000000 INTEREST DISTRIBUTABLE AMOUNT: Note Monthly Interest Distributable Amount 273,955.69 5.912500 Plus: Prior Interest Carryover 0.00 0.000000 ---------------- Total Interest Distributable Amount 273,955.69 5.912500 Interest Distribution Amount 273,955.69 5.912500 ---------------- Current Interest Carryover 0.00 0.000000 PER $1000 AGGREGATE AGGREGATE SECURITY RELATED INFORMATION: ORIG PRIN BAL Aggregate Principal Balance 1,379,907,347.89 968.356034 Servicing Fee 1,773,940.72 1.244871 Spread Account 13,799,073.48 9.683560 Net Change in Spread Account (450,926.52) n/a

WFS FINANCIAL 2003 4 OWNER TRUST 8-K