WFS FINANCIAL 1997-A OWNERS TRUST S-1/A

AMENDMENT NO. 2 TO FORM S-1

EXHIBIT 1.1

EXHIBIT 4.1

EXHIBIT 4.2

EXHIBIT 10.1

EXHIBIT 10.2

EXHIBIT 10.3

EXHIBIT 10.4

EXHIBIT 10.5

EXHIBIT 10.6

EXHIBIT 10.7