EXHIBIT 99.1

                          ANNUAL OFFICER'S CERTIFICATE
                           WORLD OMNI FINANCIAL CORP.

         The undersigned, duly authorized representative of World Omni Financial
Corp., as Servicer, pursuant to Section 3.5 of the Amended and
Restated Trust Sale and Servicing Agreement, dated as of April 6, 2000, between
World Omni Financial Corp., as Servicer, WODFI LLC, as Transferor, and World
Omni Master Owner Trust (the "Agreement") does hereby certify that a review of
the activities of the Servicer during the period from January 1, 2002 through
December 31, 2002,has been made under my supervision with a view to determining
whether during such period the Servicer has performed and observed all of its
obligations under the Agreement. To the best of my knowledge, no default by the
Servicer under the Agreement has occurred and is continuing. Capitalized terms
used but not defined herein are used as defined in the Agreement.

         IN WITNESS WHEREOF, the undersigned has duly executed this Certificate
this 25th day of April, 2003.



                                            By:/s/___________________________
                                            Name: Victor A. De Jesus
                                            Title:Vice President and
                                                  Chief Financial Officer of
                                                  World Omni Financial Corp.,
                                                  as Servicer














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