Exhibit 20


WORLD OMNI FINANCIAL CORP.
WORLD OMNI MASTER OWNER TRUST
SERIES 2003-VFN-A, 2003-VFN-B and 2004-1 SUPPLEMENTS
CERTIFICATE DATE AS OF :		December 15, 2004

POOL BALANCE:	Month of: November, 2004
Pool Balance, beginning of month	$	451,505,087.04
Pool Balance, end of month	$	470,467,170.35
Pool Balance, average	$	457,812,855.56
Required Pool Balance, end of month	$	455,645,658.65

COLLECTIONS & SERIES ALLOCATIONS	Month of: November, 2004
Series Allocable Principal Collections
Series 2003-VFN-A	$	22,978,061.48
Series 2003-VFN-B	$	8,785,729.39
Series 2004-1	$	245,819,641.66

	$	277,583,432.53
Series Allocable Non-Principal Collections
Series 2003-VFN-A	$	122,411.11
Series 2003-VFN-B	$	46,804.25
Series 2004-1	$	1,309,555.84

	$	1,478,771.20
Series Allocable Miscellaneous Payments
Series 2003-VFN-A	$	—
Series 2003-VFN-B	$	—
Series 2004-1	$	—

	$	—
Investment Proceeds
Series 2003-VFN-A	$	1,103.41
Series 2003-VFN-B	$	427.60
Series 2004-1	$	9,149.08

	$	10,680.09

CONTROLLED DEPOSIT AMOUNT FOR COLLECTION PERIOD	Month of: November, 2004
2003-VFN-A	$	0.00
2003-VFN-B	$	0.00
Series 2004-1	$	0.00

ALLOCATION PERCENTAGES FOR COLLECTION PERIOD	First day of: November, 2004
Series Allocation Percentages
Series 2003-VFN-A		8.28	%
Series 2003-VFN-B		3.17	%
Series 2004-1		88.56	%
Floating Allocation Percentages
Series 2003-VFN-A		90.27	%
Series 2003-VFN-B		90.27	%
Series 2004-1		86.84	%
Principal Allocation Percentages
Series 2003-VFN-A		0.00	%
Series 2003-VFN-B		0.00	%
Series 2004-1		0.00	%

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ALLOCATIONS OF SERIES ALLOCABLE AMOUNTS WITHIN SERIES	Month of: November, 2004
Series 2003-VFN-A
Series Allocable Principal Collections
Excess Certificateholder Collections:	$	4,724.29
Noteholder Collections:	$	20,742,505.97
Additional Noteholder Collections:	$	2,230,831.22

	$	22,978,061.48
Series Allocable Non-Principal Collections
Excess Certificateholder Collections:	$	25.17
Noteholder Collections:	$	110,501.63
Additional Noteholder Collections:	$	11,884.31

	$	122,411.11
Series 2003-VFN-B
Series Allocable Principal Collections
Excess Certificateholder Collections:	$	1,806.35
Noteholder Collections:	$	7,930,958.17
Additional Noteholder Collections:	$	852,964.87

	$	8,785,729.39
Series Allocable Non-Principal Collections
Excess Certificateholder Collections:	$	9.62
Noteholder Collections:	$	42,250.62
Additional Noteholder Collections:	$	4,544.01

	$	46,804.25
Series 2004-1
Series Allocable Principal Collections
Excess Certificateholder Collections:	$	50,540.54
Noteholder Collections:	$	213,460,434.41
Additional Noteholder Collections:	$	32,308,666.71

	$	245,819,641.66
Series Allocable Non-Principal Collections
Excess Certificateholder Collections:	$	269.24
Noteholder Collections:	$	1,137,168.53
Additional Noteholder Collections:	$	172,118.08

	$	1,309,555.84

MONTHLY DISTRIBUTIONS	Paid on: December 15, 2004
Principal Distributions to Investors
Series 2003-VFN-A	$	—
Series 2003-VFN-B	$	—
Series 2004-1	$	—
Principal Distributions to Investors - $ per thousand
Series 2003-VFN-A	$	0.00000000
Series 2003-VFN-B	$	0.00000000
Series 2004-1	$	0.00000000
Monthly Interest to Investors
Series 2003-VFN-A	$	83,893.13
Series 2003-VFN-B	$	31,939.72
Series 2004-1	$	630,000.00
Monthly Interest to Investors - $ per thousand
Series 2003-VFN-A	$	2.46744500
Series 2003-VFN-B	$	2.45690128
Series 2004-1 Class A	$	1.80000000
Rated Variable Funding Increased Cost Amounts
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Noteholder Monthly Servicing Fee
Series 2003-VFN-A	$	28,115.71
Series 2003-VFN-B	$	10,750.13
Series 2004-1	$	289,337.85
Reserve Fund Deposit Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00

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MONTHLY DISTRIBUTIONS (Cont.)	Paid on: December 15, 2004
Investor Default Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Monthly Dilution Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Noteholder Charge-Off Reversal Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Investor Default Amount and Monthly Dilution Amount Not Previously Reinstated
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Carry-Over Amount
Series 2004-1	$	0.00
Unrated Variable Funding Increased Cost Amounts
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Previously waived servicing fee
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Deposits to Principal Funding Account
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Collections Released to Cert. during Collection Period	$	277,685,141.16
Excess Distributed to Cert. on Payment Date	$	313,706.13

FUNDED AND INVESTED AMOUNTS:	Last day of: November, 2004
SERIES 2003-VFN-A SUPPLEMENT
Initial Funded Amount	$	200,000,000.00
Incremental Funded Amounts (Cumulative)	$	125,000,000.00
Principal Distributed to Investors (Cumulative)	$	291,000,000.00
Unreimbursed Investor Charge Offs (Cumulative)	$	0.00

Funded Amount	$	34,000,000.00
Series Excess Funding Amount	$	0.00
Principal Funding Account Balance	$	0.00

Invested Amount	$	34,000,000.00

SERIES 2003-VFN-B SUPPLEMENT
Initial Funded Amount	$	100,000,000.00
Incremental Funded Amounts (Cumulative)	$	35,000,000.00
Principal Distributed to Investors (Cumulative)	$	122,000,000.00
Unreimbursed Investor Charge Offs (Cumulative)	$	0.00

Funded Amount	$	13,000,000.00
Series Excess Funding Amount	$	0.00
Principal Funding Account Balance	$	0.00

Invested Amount	$	13,000,000.00

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SERIES 2004-1 SUPPLEMENT
Initial Invested Amount	$	350,000,000.00
Principal Distributed to Investors (Cumulative)	$	0.00
Principal Funding Account Balance	$	0.00
Unreimbursed Investor Charge Offs (Cumulative)	$	0.00
Series Excess Funding Amount	$	0.00

Invested Amount	$	350,000,000.00

BALANCES AS OF PAYMENT DATE	As of: December 15, 2004
Series 2003-VFN-A
Reserve Fund Balance	$	170,000.00
Reserve Fund Deficiency Amount	$	0.00
Principal Funding Account Balance	$	0.00
Outstanding Principal Balance	$	34,000,000.00
Series 2003-VFN-B
Reserve Fund Balance	$	65,000.00
Reserve Fund Deficiency Amount	$	0.00
Principal Funding Account Balance	$	0.00
Outstanding Principal Balance	$	13,000,000.00
Series 2004-1
Reserve Fund Balance	$	1,750,000.00
Reserve Fund Deficiency Amount	$	0.00
Principal Funding Account Balance	$	0.00
Outstanding Principal Balance, Class A	$	350,000,000.00

TRUST INCREMENTAL SUBORDINATED AMOUNT To be used in the following month’s computations.	Last day of: November, 2004
Pool Total Components of Excess Receivables:
Used Vehicles	$	30,238,904.22
Finance Hold Receivables (for Credit Reasons Only)	$	0.00
Delayed Payment Program	$	95,116.00
Pool Limits on Components of Excess Receivables:
Used Vehicles	$	117,616,792.59
Finance Hold Receivables	$	0.00
Delayed Payment Program	$	9,409,343.41
Total Excess Receivables	$	0.00
Overconcentration Amount	$	13,955,853.79
Ineligible Amount	$	0.00
Trust Incremental Subordinated Amount	$	13,955,853.79

POOL SERIES SUBORDINATED AMOUNTS	As of: November 30, 2004
Series Incremental Subordinated Amount
Series 2003-VFN-A	$	743,089.97
Series 2003-VFN-B	$	284,122.63
Series 2004-1	$	7,951,976.40

Required Subordinated Amount
Series 2003-VFN-A	$	3,699,611.71
Series 2003-VFN-B	$	1,414,557.42
Series 2004-1	$	53,432,202.39

Available Subordinated Amount
Series 2003-VFN-A	$	3,699,611.71
Series 2003-VFN-B	$	1,414,557.42
Series 2004-1	$	53,432,202.39

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CHARGE OFFS	For Month of: November, 2004
Defaulted Receivables	$	0.00
Investor/Noteholder Defaulted Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Deficiency Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Required Draw Amount
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Investor/Noteholder Charge-Off’s
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00

INTEREST AND PRINCIPAL SHORTFALLS (CUMULATIVE)	As of: December 15, 2004
Interest Shortfalls as of Current Payment Date
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Change in Interest Shortfalls from Previous Payment Date
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Principal Shortfalls as of Current Payment Date
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00
Change in Principal Shortfalls from Previous Payment Date
Series 2003-VFN-A	$	0.00
Series 2003-VFN-B	$	0.00
Series 2004-1	$	0.00

INTEREST RATE FOR NEXT PAYMENT DATE	As of: December 15, 2004
Series 2003-VFN-A Estimated		2.6925000	%
Series 2003-VFN-B Estimated		2.6825000	%
Series 2004-1		2.4725000	%

MONTHLY PAYMENT RATE %	Month of: November, 2004
MONTHLY PAYMENT RATE %		60.63	%

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WODFI LLC 8-K