Westcorp 425 Business combination disclosure

	Exhibit 99.1
Date:	January 31, 2006
Contacts:	Robert J. Costantino
	Executive Vice President
	Chief Financial Officer
	Investor Relations
	Phone: (949) 727-1002
	Caren Roberson
	Director Marketing Communications
	Media Relations
	Phone: (949) 753-3711
Email:	Investor_Relations@WestcorpInc.com

Westcorp Reports Fourth Quarter and Record Year-End Net Income

• Fourth quarter net income increased 16% to $64 million

• Annual net income rose 23% to a record $257 million

• Fourth quarter earnings per share increased 14% to $1.21 per share

• Earnings per share increased 23% to a record $4.86 per share for 2005

• Contract originations for the year grew 13% to $7.5 billion

Irvine, CA: Westcorp (NYSE:WES) reported that net income increased 16% to $64.2 million for the three months ended December 31, 2005 compared with $55.5 million for the same period a year ago. Earnings per diluted share increased 14% to $1.21 for the three months ended December 31, 2005 compared with $1.06 per diluted share for the same period a year earlier. For the year ended December 31, 2005, net income increased 23% to a record $257 million compared with $208 million in 2004. Earnings per diluted share rose 23% to a record $4.86 for the year ended December 31, 2005 compared with $3.96 for 2004.

“We are proud of our fourth consecutive record year,” said Tom Wolfe, President of Westcorp. “Our annual net income of $257 million and earnings per share of $4.86 exceeded our previous guidance. We remain committed to our superior credit quality and operational excellence.”

Annualized credit loss experience improved 24 basis points to 1.77% of average managed automobile contracts for the fourth quarter compared with 2.01% for the same period a year earlier. For the year ended December 31, 2005, credit loss experience improved 53 basis points to 1.46% compared with 1.99% for 2004. The improvement in credit loss experience reflects a 10% decrease in the annualized default rate for the quarter to 4.0% compared with 4.4% a year ago. In addition, the total recovery rate improved 11% to 69% for the quarter compared to 62% a year ago. This rate includes both the average realization on the collateral sold of 54%, up from 48% a year ago, and deficiency balance recoveries of 15%, up from 14% a year ago. The percentage of outstanding

automobile contracts 30 days or more delinquent increased 15 basis points to 2.39% at December 31, 2005 compared with 2.24% a year ago.

The provision for credit losses decreased to $56.9 million for the three months ended December 31, 2005, compared with $61.1 million for the same period a year earlier due to lower chargeoff experience. For the year ended December 31, 2005, the provision for credit losses decreased to $184 million compared with $235 million for 2004. At December 31, 2005, the allowance for credit losses totaled $321 million or 2.4% of loans receivable compared with $315 million or 2.6% at December 31, 2004.

Automobile contract purchases totaled $1.6 billion for the fourth quarter of 2005, a 3% increase from the same period a year earlier. For the year ended December 31, 2005, automobile contract purchases totaled $7.5 billion, a 13% increase compared with $6.6 billion a year ago. As a result of higher contract originations, the Company’s portfolio of managed automobile contracts grew 10% to $12.8 billion at December 31, 2005, up from $11.6 billion a year earlier. Total average interest earning assets increased $1.5 billion to $16.9 billion for the fourth quarter, up from $15.4 billion for the same period a year ago. As a result, net interest income grew 14% to $240 million for the fourth quarter compared with $210 million for the same period a year earlier. Net interest margin was 5.19% for the fourth quarter compared with 5.07% for the same period a year ago. For the year ended December 31, 2005, net interest income grew 11% to $898 million compared with $808 million for 2004. Net interest margin was 5.08% for the year ended December 31, 2005 compared with 5.05% a year earlier.

Noninterest income decreased $10.9 million to $19.0 million for the three months ended December 31, 2005 compared with $29.9 million for the same period a year earlier. For the year ended December 31, 2005, noninterest income decreased $38.3 million to $77.7 million compared with $116 million for 2004. Noninterest income was reduced by $15.1 million and $64.4 million of loan origination fees that were deferred during the three and twelve months ended December 31, 2005, respectively. Noninterest expense for the fourth quarter was $75.6 million, unchanged from the fourth quarter of 2004, thus reducing noninterest expense as a percent of total revenues to 29% compared with 32% for the same period a year earlier. For the year ended December 31, 2005, noninterest expense was $300 million or 31% of total revenues compared with $296 million or 32% of total revenues a year ago. Noninterest expense was reduced by $5.9 million and $26.6 million of direct origination costs that were deferred during the three and twelve months ended December 31, 2005, respectively. Historically, the Company performed analysis on the fees and direct costs related to its

origination of automobile loans and elected not to defer and amortize such amounts as the net effect was not material to its financial statements in accordance with Statement of Financial Accounting Standard No. 91 and SEC Staff Accounting Bulletin No. 99. Due to continuing improvements in operating efficiencies and the higher amount of documentation fees earned, the difference between the amount of fees received and the direct costs incurred has gradually increased. The Company decided to defer and amortize these amounts to interest income prospectively beginning in the first quarter of 2005.

The Company maintained a favorable deposit mix in 2005, consistent with its shift from certificates of deposit to lower cost demand deposit and money market accounts. Total demand deposit and money market accounts increased $76.5 million, or 5%, to $1.5 billion at December 31, 2005 compared with $1.4 billion a year ago and represented 68% of total deposits. The weighted average interest cost of deposits (excluding the effects of hedging) increased to 2.89% for the fourth quarter compared with 1.59% for the same period a year earlier. For the year, the weighted average interest cost of deposits (excluding the effects of hedging) increased to 2.38% compared with 1.36% for the same period a year earlier.

Due to the pending merger with Wachovia, there will be no scheduled investor conference call to discuss the fourth quarter and year-end results. The merger is expected to close in the latter half of the first quarter of 2006, subject to the receipt of certain regulatory approvals.

Westcorp is a financial services holding company whose principal subsidiaries are WFS Financial Inc and Western Financial Bank. Westcorp is a publicly owned company whose common stock is traded on the New York Stock Exchange under the symbol WES. Information about Westcorp can be found at its web site at http://www.westcorpinc.com.

Westcorp, through its subsidiary, WFS Financial, is one of the nation’s largest independent automobile finance companies. WFS Financial specializes in originating, securitizing, and servicing new and pre-owned prime and non-prime credit quality automobile contracts through its nationwide relationships with automobile dealers. WFS Financial is a publicly owned company whose common stock is traded on the Nasdaq under the symbol WFSI. Information about WFS Financial can be found at its web site at http://www.wfsfinancial.com.

Westcorp, through its subsidiary, Western Financial Bank, operates retail bank branches and provides commercial banking services in Southern California. Information on the products and services offered by the Bank can be found at its web site at http://www.wfb.com.

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act, as amended. Forward-looking statements are identified by the use of terms and phrases such as “anticipate,” “believe,” “could,” “estimate,” “expect,” “intend,” “may,” “plan,” “predict,” “project,” “will,” and similar terms and phrases, including references to assumptions. Forward-looking statements in this press release relate to analyses and other information, which are based on forecasts of future results and estimates of amounts not yet determinable. These statements relate to the Company’s future prospects, developments and business strategies and include information regarding the Company’s improved credit quality trends and higher automobile origination growth. In addition, forward-looking statements include statements regarding the proposed merger with Wachovia, continuing improvements in operating efficiencies, the higher amount of documentation fees earned and the Company’s superior credit quality and operational excellence.

Forward-looking statements are subject to uncertainties and factors relating to the Company’s operations and business environment, all of which are difficult to predict and many of which are beyond its control that could cause actual results to differ materially from those expressed in or implied by these forward-looking statements. In particular, there can be no assurances that improved credit quality trends or origination growth identified in this press release will continue in future periods or that we will have continued improvements in operating efficiencies or have a higher amount of documentation fees earned.

The following factors are among those that may cause actual results to differ materially from the forward-looking statements: changes in general economic and business conditions; interest rate fluctuations, including the effect of hedging activities; the Company’s financial condition and liquidity, as well as future cash flow and earnings and the level of operating expenses; competition; the effect, interpretation, or application of new or existing laws, regulations, court decisions and significant litigation; the exercise of discretionary authority by regulatory agencies; a decision to change the Company’s corporate structure; the availability of sources of funding; and the level of chargeoffs on the automobile contracts that the Company originates. In addition, the Company can provide no assurances that the proposed merger with Wachovia will close when expected, if at all. The merger is subject to the receipt of the requisite regulatory approvals, including the approval of applicable

banking regulators; receipt of opinions as to the tax treatment of the mergers; and listing on the New York Stock Exchange, subject to notice of issuance, of Wachovia’s common stock to be issued in the mergers, among other things.

A further list of these risks, uncertainties and other matters can be found in the Company’s filings with the Securities and Exchange Commission. If one or more of these risks or uncertainties materialize, or if underlying assumptions prove incorrect, the Company’s actual results may vary materially from those expected, estimated or projected. The information contained in this press release is as of January 31, 2006. The Company assumes no obligation to update any forward-looking statements to reflect future events or circumstances.

WESTCORP AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)

	For the Three Months Ended				For the Twelve Months Ended
	December 31,				December 31,
	2005		2004		2005		2004
	(Dollars in thousands, except per share amounts)
Interest income:
Loans, including fees	$	344,424	$	294,946	$	1,281,606	$	1,158,935
Mortgage-backed securities		28,913		25,764		110,933		98,430
Investment securities		1,363		796		5,509		4,150
Other		8,853		3,499		27,481		9,370
TOTAL INTEREST INCOME		383,553		325,005		1,425,529		1,270,885
Interest expense:
Deposits		20,485		15,764		79,584		58,055
Notes payable on automobile secured financing		105,610		87,947		387,724		360,625
Other		17,234		11,345		60,557		44,447
TOTAL INTEREST EXPENSE		143,329		115,056		527,865		463,127
NET INTEREST INCOME		240,224		209,949		897,664		807,758
Provision for credit losses		56,918		61,078		183,783		235,248
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		183,306		148,871		713,881		572,510
Noninterest income:
Automobile lending		15,895		26,043		61,433		103,689
Insurance income		2,660		2,275		9,875		8,052
Mortgage banking		94		173		353		721
Other		378		1,360		6,079		3,660
TOTAL NONINTEREST INCOME		19,027		29,851		77,740		116,122
Noninterest expenses:
Salaries and associate benefits		41,385		45,029		169,844		176,024
Credit and collections		9,532		8,886		34,893		33,245
Data processing		5,631		5,310		20,291		17,623
Occupancy		4,071		3,940		16,090		15,650
Other		14,995		12,461		59,188		53,065
TOTAL NONINTEREST EXPENSES		75,614		75,626		300,306		295,607
INCOME BEFORE INCOME TAX		126,719		103,096		491,315		393,025
Income tax		52,030		40,571		195,906		155,797
INCOME BEFORE MINORITY INTEREST		74,689		62,525		295,409		237,228
Minority interest in earnings of subsidiaries		10,485		7,015		38,684		29,266
NET INCOME	$	64,204	$	55,510	$	256,725	$	207,962
Earnings per common share:
Basic	$	1.23	$	1.07	$	4.92	$	4.01
Diluted	$	1.21	$	1.06	$	4.86	$	3.96
Weighted average number of common shares outstanding:
Basic		52,302,450		51,884,439		52,138,414		51,826,412
Diluted		53,013,271		52,573,953		52,823,652		52,568,834
Dividends declared	$	0.32	$	0.14	$	0.77	$	0.56

WESTCORP AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

	(Unaudited)
	December 31, 2005			December 31, 2004
	(Dollars in thousands)
ASSETS
Cash	$	108,432		$	89,333
Interest bearing deposits with other financial institutions		11,325			4,177
Other short-term investments		275,000			125,000
Cash and due from banks		394,757			218,510
Restricted cash		561,466			417,833
Investment securities available for sale		81,072			119,811
Mortgage-backed securities available for sale		2,666,500			2,649,758
Loans receivable		13,309,222			12,135,748
Allowance for credit losses		(320,727	)		(315,402	)
Loans receivable, net		12,988,495			11,820,346
Interest receivable		89,902			79,825
Premises and equipment, net		74,765			76,526
Other assets		150,058			162,731
TOTAL ASSETS	$	17,007,015		$	15,545,340
LIABILITIES
Deposits	$	2,184,892		$	2,183,499
Notes payable on automobile secured financing		11,081,281			10,242,900
Federal Home Loan Bank advances		1,429,405			1,139,521
Subordinated debentures		296,345			295,321
Other liabilities		205,007			178,939
TOTAL LIABILITIES		15,196,930			14,040,180
Minority interest		207,980			165,484
SHAREHOLDERS’ EQUITY
Common stock (par value $1.00 per share; authorized 65,000,000 shares; issued and outstanding 52,352,613 shares at December 31, 2005 and 51,895,258 shares at December 31, 2004)		52,353			51,895
Paid-in capital		734,484			717,098
Retained earnings		832,964			606,987
Accumulated other comprehensive loss, net of tax		(17,696	)		(36,304	)
TOTAL SHAREHOLDERS’ EQUITY		1,602,105			1,339,676
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	17,007,015		$	15,545,340

The following table presents information relative to the average balances and interest rates on an owned basis for the periods indicated:

	For the Three Months Ended December 31,
	2005							2004
	Average				Yield/			Average				Yield/
	Balance		Interest		Rate			Balance		Interest		Rate
	(Dollars in thousands)
Interest earning assets:
Total investments:
Mortgage-backed securities	$	2,597,187	$	28,913		4.45	%	$	2,590,670	$	25,764		3.98	%
Other short-term investments		866,413		8,788		4.02			680,478		3,479		2.03
Investment securities		130,714		1,363		4.17			117,233		796		2.72
Interest earning deposits with others		35,270		65		0.73			5,328		20		1.40
Total investments		3,629,584		39,129		4.31			3,393,709		30,059		3.54
Total loans: (1)
Consumer loans		12,942,894		338,172		10.37			11,708,889		290,372		9.87
Mortgage loans		138,594		2,113		6.10			177,090		2,251		5.08
Commercial loans		184,057		3,484		7.41			121,480		2,091		6.73
Construction loans		36,537		655		7.00			16,148		232		5.63
Total loans		13,302,082		344,424		10.27			12,023,607		294,946		9.76
Total interest earning assets	$	16,931,666		383,553		8.99		$	15,417,316		325,005		8.39
Interest bearing liabilities:
Deposits	$	2,149,865		20,485		3.78		$	2,132,280		15,764		2.94
FHLB advances and other borrowings		942,789		9,744		4.05			725,970		3,859		2.08
Notes payable on automobile secured financing		11,661,725		105,610		3.62			10,682,165		87,947		3.29
Subordinated debentures		296,168		7,490		10.12			295,145		7,486		10.15
Total interest bearing liabilities	$	15,050,547		143,329		3.80		$	13,835,560		115,056		3.32
Net interest income and interest rate spread			$	240,224		5.19	%			$	209,949		5.07	%
Net yield on average interest earning assets						5.62	%						5.41	%

(1) For the purpose of these computations, nonaccruing loans are included in the average amounts outstanding.

	For the Twelve Months Ended December 31,
	2005							2004
	Average				Yield/			Average				Yield/
	Balance		Interest		Rate			Balance		Interest		Rate
	(Dollars in thousands)
Interest earning assets:
Total investments:
Mortgage-backed securities	$	2,595,346	$	110,933		4.27	%	$	2,592,864	$	98,430		3.80	%
Other short-term investments		812,618		27,288		3.36			648,926		9,319		1.44
Investment securities		146,605		5,509		3.76			121,805		4,150		3.41
Interest earning deposits with others		42,223		193		0.46			5,637		51		0.90
Total investments		3,596,792		143,923		4.00			3,369,232		111,950		3.32
Total loans: (1)
Consumer loans		12,450,705		1,259,819		10.12			11,303,131		1,141,994		10.10
Mortgage loans		155,517		8,779		5.64			197,888		9,959		5.03
Commercial loans		165,853		11,094		6.60			109,997		6,462		5.78
Construction loans		28,328		1,914		6.66			9,900		520		5.17
Total loans		12,800,403		1,281,606		10.01			11,620,916		1,158,935		9.97
Total interest earning assets	$	16,397,195		1,425,529		8.69		$	14,990,148		1,270,885		8.48
Interest bearing liabilities:
Deposits	$	2,190,001		79,584		3.63		$	2,052,754		58,055		2.83
Securities sold under agreements to repurchase									8,170		94		1.13
FHLB advances and other borrowings		911,068		30,605		3.31			635,337		9,499		1.47
Notes payable on automobile secured financing		11,220,404		387,724		3.46			10,453,952		360,625		3.45
Subordinated debentures		295,789		29,952		10.13			348,001		34,854		10.02
Total interest bearing liabilities	$	14,617,262		527,865		3.61		$	13,498,214		463,127		3.43
Net interest income and interest rate spread			$	897,664		5.08	%			$	807,758		5.05	%
Net yield on average interest earning assets						5.48	%						5.39	%

(1) For the purpose of these computations, nonaccruing loans are included in the average amounts outstanding.

WESTCORP AND SUBSIDIARIES
OTHER FINANCIAL DATA AND STATISTICAL SUMMARY

	Q4 2005			Q3 2005			Q2 2005			Q1 2005			Q4 2004
	(Dollars in thousands, except per share amounts)
Earnings:
Net interest income	$	240,224		$	226,263		$	214,250		$	216,927		$	209,949
Provision for credit losses		56,918			40,188			37,699			48,978			61,078
Noninterest income		19,027			19,846			19,575			19,293			29,851
Noninterest expense		75,614			78,010			74,093			72,590			75,626
Income before taxes		126,719			127,911			122,033			114,652			103,096
Income taxes		52,030			51,138			47,099			45,639			40,571
Net income		64,204			66,521			65,318			60,682			55,510
Equity:
Earning per share — basic	$	1.23		$	1.27		$	1.25		$	1.17		$	1.07
Earning per share — diluted	$	1.21		$	1.26		$	1.24		$	1.15		$	1.06
Dividends per share	$	0.32		$	0.15		$	0.15		$	0.15		$	0.14
Book value per share (period end) (1)	$	30.94		$	29.75		$	28.62		$	27.52		$	26.51
Stock price per share (period end)	$	66.61		$	58.90		$	52.42		$	42.25		$	45.93
Total equity to assets (2)		10.75	%		10.30	%		10.14	%		9.95	%		9.92	%
Return on average equity (1)		16.21	%		17.47	%		17.88	%		17.31	%		16.45	%
Average shares outstanding — diluted		53,013,271			52,886,618			52,680,870			52,597,731			52,573,953
Loan Portfolio:
Automobile contracts purchased	$	1,635,411		$	2,070,694		$	2,013,622		$	1,782,414		$	1,583,748
Automobile contracts managed (period end)	$	12,772,740		$	12,718,750		$	12,307,454		$	11,852,222		$	11,560,890
Number of accounts managed (period end)		949,151			941,616			919,722			895,377			876,695
Average automobile contracts managed	$	12,620,006		$	12,376,118		$	12,019,325		$	11,702,544		$	11,512,626
Credit Quality:
Delinquency rate (30+ days)		2.39	%		2.15	%		1.80	%		1.53	%		2.24	%
Repossessions to total contracts		0.08	%		0.05	%		0.05	%		0.05	%		0.07	%
Net chargeoffs (annualized)		1.77	%		1.25	%		1.15	%		1.66	%		2.01	%
Allowance to loans receivable		2.41	%		2.42	%		2.49	%		2.56	%		2.60	%
Operations:
Total assets	$	17,007,015		$	16,999,128		$	16,544,234		$	16,156,288		$	15,545,340
Noninterest expense to total revenues		29.17	%		31.70	%		31.69	%		30.73	%		31.54	%

(1)	Excludes other comprehensive income
(2)	Excludes other comprehensive income and includes minority interest

WESTCORP AND SUBSIDIARIES
CUMULATIVE STATIC POOL LOSS CURVES (UNAUDITED)
At December 31, 2005

The following table sets forth the cumulative static pool losses by month for all outstanding public securitized pools:

Period (1)	2002-2			2002-3			2002-4			2003-1			2003-2			2003-3			2003-4			2004-1			2004-2			2004-3			2004-4			2005-1			2005-2			2005-3
1		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
2		0.00	%		0.02	%		0.02	%		0.01	%		0.00	%		0.00	%		0.01	%		0.00	%		0.00	%		0.02	%		0.00	%		0.00	%		0.00	%		0.01	%
3		0.03	%		0.06	%		0.07	%		0.04	%		0.02	%		0.02	%		0.03	%		0.02	%		0.03	%		0.06	%		0.04	%		0.02	%		0.02	%		0.03	%
4		0.10	%		0.14	%		0.16	%		0.11	%		0.06	%		0.06	%		0.08	%		0.06	%		0.07	%		0.13	%		0.09	%		0.06	%		0.07	%		0.08	%
5		0.18	%		0.27	%		0.26	%		0.18	%		0.14	%		0.13	%		0.14	%		0.11	%		0.15	%		0.21	%		0.15	%		0.13	%		0.13	%		0.17	%
6		0.32	%		0.44	%		0.38	%		0.29	%		0.25	%		0.23	%		0.21	%		0.19	%		0.24	%		0.30	%		0.23	%		0.20	%		0.22	%		0.27	%
7		0.49	%		0.57	%		0.50	%		0.41	%		0.36	%		0.32	%		0.28	%		0.27	%		0.33	%		0.40	%		0.30	%		0.28	%		0.30	%
8		0.66	%		0.70	%		0.61	%		0.53	%		0.48	%		0.40	%		0.35	%		0.34	%		0.41	%		0.50	%		0.37	%		0.38	%		0.42	%
9		0.82	%		0.82	%		0.78	%		0.66	%		0.59	%		0.47	%		0.44	%		0.42	%		0.51	%		0.56	%		0.45	%		0.48	%		0.55	%
10		0.96	%		0.96	%		0.94	%		0.80	%		0.70	%		0.55	%		0.54	%		0.52	%		0.59	%		0.64	%		0.54	%		0.60	%		0.68	%
11		1.10	%		1.10	%		1.08	%		0.93	%		0.80	%		0.62	%		0.61	%		0.59	%		0.65	%		0.69	%		0.65	%		0.71	%
12		1.26	%		1.24	%		1.28	%		1.06	%		0.89	%		0.71	%		0.73	%		0.67	%		0.70	%		0.77	%		0.75	%		0.82	%
13		1.39	%		1.38	%		1.43	%		1.21	%		0.98	%		0.80	%		0.83	%		0.75	%		0.76	%		0.87	%		0.85	%
14		1.51	%		1.53	%		1.59	%		1.31	%		1.08	%		0.88	%		0.93	%		0.81	%		0.83	%		0.94	%		0.94	%
15		1.68	%		1.70	%		1.77	%		1.40	%		1.20	%		0.97	%		1.03	%		0.88	%		0.91	%		1.04	%		1.05	%
16		1.83	%		1.88	%		1.92	%		1.50	%		1.31	%		1.07	%		1.09	%		0.93	%		0.98	%		1.15	%
17		1.99	%		2.03	%		2.05	%		1.60	%		1.41	%		1.16	%		1.19	%		1.00	%		1.03	%		1.23	%
18		2.16	%		2.15	%		2.16	%		1.70	%		1.53	%		1.25	%		1.24	%		1.06	%		1.13	%
19		2.31	%		2.28	%		2.25	%		1.85	%		1.66	%		1.33	%		1.30	%		1.12	%		1.22	%
20		2.46	%		2.41	%		2.37	%		1.99	%		1.76	%		1.40	%		1.36	%		1.18	%		1.31	%
21		2.60	%		2.52	%		2.49	%		2.14	%		1.87	%		1.45	%		1.42	%		1.24	%
22		2.72	%		2.62	%		2.62	%		2.27	%		1.95	%		1.50	%		1.47	%		1.32	%
23		2.86	%		2.74	%		2.73	%		2.37	%		2.02	%		1.57	%		1.54	%		1.38	%
24		2.95	%		2.83	%		2.84	%		2.47	%		2.09	%		1.62	%		1.62	%
25		3.03	%		2.96	%		2.95	%		2.57	%		2.16	%		1.69	%		1.71	%
26		3.13	%		3.08	%		3.06	%		2.63	%		2.21	%		1.74	%		1.78	%
27		3.22	%		3.21	%		3.17	%		2.68	%		2.27	%		1.80	%
28		3.33	%		3.31	%		3.25	%		2.73	%		2.34	%		1.87	%
29		3.41	%		3.41	%		3.32	%		2.78	%		2.40	%		1.93	%
30		3.50	%		3.48	%		3.38	%		2.85	%		2.46	%
31		3.58	%		3.56	%		3.43	%		2.91	%		2.53	%
32		3.66	%		3.62	%		3.48	%		2.93	%		2.60	%
33		3.73	%		3.67	%		3.55	%		2.99	%
34		3.78	%		3.71	%		3.61	%		3.05	%
35		3.84	%		3.74	%		3.63	%		3.10	%
36		3.86	%		3.80	%		3.69	%
37		3.90	%		3.84	%		3.74	%
38		3.93	%		3.86	%		3.79	%
39		3.97	%		3.91	%
40		4.01	%		3.95	%
41		4.02	%		3.99	%
42		4.05	%
43		4.08	%
44		4.10	%
Prime Mix (2)		87	%		85	%		80	%		80	%		82	%		84	%		82	%		82	%		82	%		81	%		78	%		78	%		77	%		76	%

(1)	Represents the number of months since inception of the securitization.
(2)	Represents the original percentage of prime automobile contracts securitized within each pool.