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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.