<PAGE> 1
WFS FINANCIAL 2000-B OWNER TRUST
Distribution Date Statement
for Master Service Report Date of July 31, 2000
for Distribution Date of August 20, 2000
<TABLE>
<CAPTION>
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<S> <C>
COLLECTIONS
DOLLARS
Payments received 115,240,553.09
Plus:
Servicer Advances 977,616.51
Reimbursement of holds 375,683.66
--------------
1,353,300.17
Less:
Reimbursement Advances
Funds deposited in Holds Account (303,834.63)
(856,335.71)
--------------
(1,160,170.34)
--------------
Total Funds Available for Distribution 115,433,682.92
==============
==============
DISTRIBUTIONS
Servicing Fee 3,035,602.00
Trustee and Other Fees 352,000.00
Other Miscellaneous Payments 320,062.50
--------------
3,707,664.50
Note Interest Distributable Amount - Class A-1 2,829,645.00
Note Interest Distributable Amount - Class A-2 4,550,000.00
Note Interest Distributable Amount - Class A-3 5,580,000.00
Note Interest Distributable Amount - Class A-4 2,892,088.89
--------------
Total Note Interest Distributable Amount 15,851,733.89
B-1 Note Interest Distributable Amount 992,322.22
--------------
Total Interest Distribution 16,844,056.11
Note Principal Distributable Amount - Class A-1 81,070,157.15
Note Principal Distributable Amount -
Class A-2 thru A-4 0.00
B-1 Note Principal Distributable Amount 0.00
--------------
Total Principal Distribution 81,070,157.15
--------------
Total Principal and Interest Distribution 97,914,213.26
Spread Account Deposit 13,811,805.16
Total Distributions 115,433,682.92
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==============
==============
</TABLE>
<PAGE> 2
WFS FINANCIAL 2000-B OWNER TRUST
Distribution Date Statement
for Master Service Report Date of July 31, 2000
for Distribution Date of August 20, 2000
<TABLE>
<CAPTION>
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===================================================================================================================================
<S> <C> <C> <C>
PORTFOLIO DATA:
# of loans
Beginning Security Balance 72,213 1,000,000,000.00
Less: Scheduled Principal Balance 0 (39,120,958.80)
Full Prepayments (3,117) (38,072,611.24)
Partial Prepayments 0 0.00
Liquidations (304) (3,876,587.11)
------------------
(81,070,157.15)
--------------------
Ending Security Balance 68,792 918,929,842.85
OTHER RELATED INFORMATION:
Spread Account:
Beginning Balance 30,000,000.00
Deposits 13,811,805.16
Reductions 0.00
------------------
Ending Balance 43,811,805.16
Beginning Initial Deposit Repayment 30,000,000.00
Repayments 0.00
------------------
Ending Initial Deposit Repayment 30,000,000.00
Modified Accounts:
Principal Balance 0.00% 0.00
Scheduled Balance 0.00% 0.00
Servicer Advances
Beginning Unreimbursed Advances: 0.00
New Advances 977,616.51
Advances Reimbursed (303,834.63)
------------------
Ending Unreimbursed Advances: 673,781.88
Holding Account:
Beginning Balance 0.00
Funds Deposited 856,335.71
Withdrawal to Collection Account (375,683.66)
------------------
Ending Balance 480,652.05
Net Charge-Off Data: # of loans
Charge-Offs 216 1,104,875.03
Recoveries (89) (198,017.73)
------------------
Net Charge-Offs 127 906,857.30
Delinquencies ( P&I): # of loans
30-59 Days 1,014 12,306,091.38
60-89 Days 251 2,879,148.21
90-119 Days 70 799,779.98
120 days and over 2 33,464.24
Repossessions 44 333,000.83
Contracts Repurchased (pursuant to Sect. 3.02, 4.07, or 9.01 of the 0 0.00
Sale and Servicing Agreement
Charge-Off Percentage 1.78%
Delinquency Percentage 0.32%
WAC 14.8250%
WAM 56.664
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</TABLE>
<PAGE> 3
WFS FINANCIAL 2000-B OWNER TRUST
Distribution Date Statement
for Master Service Report Date of July 31, 2000
for Distribution Date of August 20, 2000
<TABLE>
<CAPTION>
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BEGINNING PRIOR CURRENT REMAINING TOTAL
ORIGINAL OUTSTANDING PRINCIPAL PRINCIPAL OUTSTANDING PRINCIPAL
PRINCIPAL PRINCIPAL PRINCIPAL CARRYOVER CARRYOVER PRINCIPAL PRINCIPAL AND INTEREST
CLASSES BALANCE BALANCE DISTRIBUTABLE SHORTFALL SHORTFALL DISTRIBUTION BALANCE DISTRIBUTION
===================================================================================================================================
===================================================================================================================================
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A-1 182,000,000.00 182,000,000.00 81,070,157.15 0.00 0.00 81,070,157.15 100,929,842.85 83,899,802.15
A-2 273,000,000.00 273,000,000.00 0.00 0.00 0.00 0.00 273,000,000.00 4,550,000.00
A-3 324,000,000.00 324,000,000.00 0.00 0.00 0.00 0.00 324,000,000.00 5,580,000.00
A-4 166,000,000.00 166,000,000.00 0.00 0.00 0.00 0.00 166,000,000.00 2,892,088.89
Certificate 55,000,000.00 55,000,000.00 0.00 0.00 0.00 0.00 55,000,000.00 992,322.22
===================================================================================================================================
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TOTAL 1,000,000,000.00 1,000,000,000.00 81,070,157.15 0.00 0.00 81,070,157.15 918,929,842.85 97,914,213.26
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PRIOR CURRENT
INTEREST INTEREST DEFICIENCY POLICY
NOTE INTEREST CALCULATED CARRYOVER CARRYOVER INTEREST CLAIM CLAIM
CLASSES RATE INTEREST SHORTFALL SHORTFALL DISTRIBUTION AMOUNT AMOUNT
===================================================================================================================================
===================================================================================================================================
A-1 6.910% 2,829,645.00 0.00 0.00 2,829,645.00 0.00 0.00
A-2 7.500% 4,550,000.00 0.00 0.00 4,550,000.00 0.00 0.00
A-3 7.750% 5,580,000.00 0.00 0.00 5,580,000.00 0.00 0.00
A-4 7.840% 2,892,088.89 0.00 0.00 2,892,088.89 0.00 0.00
B-1 8.119% 992,322.22 0.00 0.00 992,322.22 0.00 0.00
==========================================================
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0.00 0.00
==========================================================
==========================================================
==========================================================
==========================================================
Note Percentage 100.000000%
======================================================================
======================================================================
Certificate Percentage 0.000000%
TOTAL 16,844,056.11 0.00 0.00 16,844,056.11
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</TABLE>