Exhibit 99.1


March 25, 2003


                   Management Report on Internal Control Over
           Servicing of Securitized Automobile Financing Receivables
           ---------------------------------------------------------


Management of the Chase Manhattan Bank USA, N.A. is responsible for establishing
and maintaining effective internal control over servicing of securitized
automobile financing receivables, which is designed to provide reasonable
assurance regarding the proper servicing of securitized automobile financing
receivables. The internal control system contains self-monitoring mechanisms,
and actions are taken to correct deficiencies as they are identified.

There are inherent limitations in any internal control, including the
possibility of human error and the circumvention or overriding of controls.
Accordingly, even effective internal control can provide only reasonable
assurance with respect to servicing of securitized automobile financing
receivables. Further, because of changes in conditions, the effectiveness of
internal control may vary over time.

Management of the Chase Manhattan Bank USA, N.A. assessed its internal control
over servicing of securitized automobile financing receivables for the 12 months
ended December 31, 2002 in relation to the criteria for effective internal
control established in "Internal Control - Integrated Framework" issued by the
Committee of Sponsoring Organizations of the Treadway Commission. Based on this
assessment, management believes that, for the 12 months ended December 31, 2002,
the Chase Manhattan Bank USA, N.A. maintained effective internal control over
servicing of securitized automobile financing receivables.




/s/ Michael Barrett
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Michael Barrett, President
Chase Manhattan Bank USA, N.A.




/s/ Keith Schuck
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Keith Schuck, Vice President/CFO
Chase Manhattan Bank USA, N.A.