Exhibit 99.3

                              MANAGEMENT ASSERTION

     For the period of March 1, 2005 to December 31, 2005, the servicing of
     consumer finance receivables owned by BMW Vehicle Owner Trust 2005-A has
     been conducted by BMW Financial Services NA, LLC, in its capacity as
     servicer, in compliance with the servicing standards in all material
     respects, set forth in Articles IV and V of the Sale and Servicing
     Agreement dated March 1, 2005.

     By:      BMW Financial Services NA, LLC

     By:      /s/ Kerstin Zerbst
              ------------------------------
              Kerstin Zerbst

     Title:   CFO