Exhibit 99.4

                     CHASE MANHATTAN AUTO OWNER TRUST 2003-C
                           ANNUAL ISSUER'S CERTIFICATE
                                       OF
                            COMPLIANCE WITH INDENTURE

         The undersigned certifies that she is an Authorized Officer of
Wilmington Trust Company, not in its individual capacity, but solely as Owner
Trustee for Chase Manhattan Auto Owner Trust 2003-C and that she is duly
authorized to execute and deliver this certificate on behalf of the Issuer in
connection with Section 3.9 of the Indenture between the Issuer and Wells Fargo
Bank Minnesota, National Association, as Indenture Trustee, dated as of December
9, 2003(the "Indenture"). All capitalized terms used herein without definition
shall have the respective meanings specified in the Indenture.

         The undersigned further certifies that a review of the activities of
the Issuer for the preceding calendar year has been made under her supervision
and, to the best of her knowledge, based on such review, the Issuer has complied
with all conditions and covenants in all material respects under the Indenture
throughout the preceding calendar year.

         IN WITNESS WHEREOF, I have affixed hereto my signature as of this 25th
day of March, 2004.

                     CHASE MANHATTAN AUTO OWNER TRUST 2003-C
                     BY: WILMINGTON TRUST COMPANY, not in its individual
                     capacity, but solely as Owner Trustee


                     /s/ Mary Kay Pupillo
                     ---------------------------------------
                     Name: Mary Kay Pupillo
                     Title: Senior Financial Services Officer


         Chase Manhattan Bank USA, National Association, as Servicer, hereby
requests that Wilmington Trust Company, as Owner Trustee, execute the above
Issuer's Certificate and deliver it to Wells Fargo Bank Minnesota, National
Association, as Indenture Trustee.


                    CHASE MANHATTAN BANK USA,
                    NATIONAL ASSOCIATION, as Servicer

                    /s/ Richard J. Naeder
                    --------------------------------------
                    Richard J. Naeder
                    Authorized Signatory