Page 1

Chase Manhattan Auto Owner Trust 2002-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           445,000,000.00             0.00              0.00           0.00            0.00    0.00       0.00               0.00
A2           460,000,000.00             0.00              0.00           0.00            0.00    0.00       0.00               0.00
A3           570,000,000.00   300,022,414.32     39,561,268.55     872,565.19   40,433,833.74    0.00       0.00     260,461,145.77
A4           498,400,000.00   498,400,000.00              0.00   1,761,013.33    1,761,013.33    0.00       0.00     498,400,000.00
R             50,600,000.00    37,759,298.38      1,873,643.01     131,213.56    2,004,856.57    0.00       0.00      35,885,655.37
TOTALS     2,024,000,000.00   836,181,712.70     41,434,911.56   2,764,792.08   44,199,703.64    0.00       0.00     794,746,801.14






    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          161581CA9      0.00000000       0.00000000    0.00000000       0.00000000       0.00000000     A1            1.942500 %
A2          161581CB7      0.00000000       0.00000000    0.00000000       0.00000000       0.00000000     A2            2.630000 %
A3          161581CC5    526.35511284      69.40573430    1.53081612      70.93655042     456.94937854     A3            3.490000 %
A4          161581CD3  1,000.00000000       0.00000000    3.53333333       3.53333333   1,000.00000000     A4            4.240000 %
R           161581CE1    746.23119328      37.02851798    2.59315336      39.62167134     709.20267530     R             4.170000 %
TOTALS                   413.13325726      20.47179425    1.36600399      21.83779824     392.66146301



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 2002-A

                                                               February 17 2004
                                                STATEMENT TO CERTIFICATEHOLDERS




                                                                                                        
                                                                       Due Period                                            23
                                                                       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                                                                            696,818.09
Section 5.8(iii)            Servicing Fee per $1000                                                                  0.34427771

Section 5.8(iv)             Administration Fee                                                                         1,000.00
Section 5.8(iv)             Administration Fee per $1000                                                             0.00049407

Section 5.8(vi)             Pool Balance at the end of the Collection Period                                     794,746,801.21

Section 5.8(vii)            Repurchase Amounts for Repurchased Receivable
                            By Seller                                                                                      0.00
                            By Servicer                                                                               83,423.32
                            TOTAL                                                                                     83,423.32

Section 5.8(viii)           Realized Net Losses for Collection Period                                                505,081.68

Section 5.8(ix)             Reserve Account Balance after Disbursement                                            15,894,936.02

Section 5.8(x)              Specified Reserve Account Balance                                                     15,894,936.02

Section 5.8(xi)             Total Distribution Amount                                                             46,156,192.81
                            Servicing Fee                                                                            696,818.09
                            Administration Fee                                                                         1,000.00
                            Noteholders Distribution Amount                                                       42,194,847.07
                            Certficateholders Distribution Amount                                                  2,004,856.57
                            Deposit to Reserve Account                                                             1,258,671.08



                  Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.