EXHIBIT 99.4

                                  CERTIFICATION

         I, Victor A. De Jesus, certify that:

1.  I have reviewed this annual report on Form 10-K, and all reports on Form 8-K
containing distribution or servicing reports filed in respect of periods
included in the year covered by this annual report, of WODFI LLC;
2.  Based on my knowledge, the information in these reports, taken as a whole,
does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading as of the
last day of the period covered by this annual report;
3.  Based on my knowledge, the distribution or servicing information required
to be provided to the trustee by the servicer under the pooling and servicing
agreement, or similar agreement, for inclusion in these reports is included in
these reports; and
4.  I am responsible for reviewing the activities performed by the servicer
under the pooling and servicing agreement, or similar agreement and based upon
my knowledge and the annual compliance review required under that agreement, and
except as disclosed in the reports, the servicer has fulfilled its obligations
under that agreement.

Date: April 2, 2003


                                            /s/____________________________
                                            Victor A. De Jesus
                                            Vice President and Chief
                                            Financial Officer of World
                                            Omni Financial Corp., as
                                            Servicer