Page 1 Chase Manhattan Auto Owner Trust 2003-A Statement to Certificateholders February 17 2004 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSES INTEREST BALANCE A1 404,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 518,000,000.00 517,302,776.88 49,540,884.12 543,167.92 50,084,052.04 0.00 0.00 467,761,892.76 A3 520,000,000.00 520,000,000.00 0.00 658,666.67 658,666.67 0.00 0.00 520,000,000.00 A4 517,700,000.00 517,700,000.00 0.00 888,718.33 888,718.33 0.00 0.00 517,700,000.00 CERT 50,300,000.00 50,300,000.00 0.00 85,510.00 85,510.00 0.00 0.00 50,300,000.00 TOTALS 2,010,000,000.00 1,605,302,776.88 49,540,884.12 2,176,062.92 51,716,947.04 0.00 0.00 1,555,761,892.76 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES PRIOR CURRENT CURRENT PRINCIPAL PRINCIPAL CLASS PASS THRU CLASS CUSIP FACTOR PRINCIPAL INTEREST TOTAL FACTOR RATE A1 161581CR2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 1.200000 % A2 161581CS0 998.65400942 95.63877243 1.04858672 96.68735915 903.01523699 A2 1.260000 % A3 161581CT8 1,000.00000000 0.00000000 1.26666667 1.26666667 1,000.00000000 A3 1.520000 % A4 161581CU5 1,000.00000000 0.00000000 1.71666666 1.71666666 1,000.00000000 A4 2.060000 % CERT 161581CV3 1,000.00000000 0.00000000 1.70000000 1.70000000 1,000.00000000 CERT 2.040000 % TOTALS 798.65809795 24.64720603 1.08261837 25.72982440 774.01089192 IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Kelly M Crosson JPMorgan Chase Bank - Structured Finance Services 4 NY Plaza, 6th floor, New York, New York 10004 Tel: (212) 623-5439 Fax: (212) 623-5932 Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved. Page 2 Chase Manhattan Auto Owner Trust 2003-A February 17 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 8 Due Period Beginning Date 01/01/04 Due Period End Date 01/31/04 Determination Date 02/10/04 Section 5.8(iii) Servicing Fee 1,337,752.31 Section 5.8(iii) Servicing Fee per $1000 0.66554841 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00049751 Section 5.8(vi) Pool Balance at the end of the Collection Period 1,555,761,896.38 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 23,132.39 TOTAL 23,132.39 Section 5.8(viii) Realized Net Losses for Collection Period 427,513.83 Section 5.8(ix) Reserve Account Balance after Disbursement 27,225,833.19 Section 5.8(x) Specified Reserve Account Balance 27,225,833.19 Section 5.8(xi) Yield Supplement Account Balance 2,559,416.42 Section 5.8(xii) Total Distribution Amount 56,455,535.82 Servicing Fee 1,337,752.31 Administration Fee 1,000.00 Noteholders Distribution Amount 51,631,437.04 Certficateholders Distribution Amount 85,510.00 Deposit to Reserve Account 3,399,836.47 Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.