Exhibit 20.1 Page 1 Chase Manhattan Auto Owner Trust 2003-A Statement to Certificateholders July 15 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 518,000,000.00 261,631,594.64 51,993,630.76 274,713.17 52,268,343.93 0.00 0.00 209,637,963.88 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 1,349,631,594.64 51,993,630.76 1,907,608.17 53,901,238.93 0.00 0.00 1,297,637,963.88 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 505.08029853 100.37380456 0.53033431 100.90413886 404.70649398 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 671.45850480 25.86747799 0.94905879 26.81653678 645.59102681 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 Email: kelly.crosson@jpmorgan.com Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved. Page 2 Chase Manhattan Auto Owner Trust 2003-A July 15 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 13 Due Period Beginning Date 06/01/04 Due Period End Date 06/30/04 Determination Date 07/09/04 Section 5.8(iii) Servicing Fee 1,124,693.00 Section 5.8(iii) Servicing Fee per $1000 0.55954876 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 1,297,637,967.50 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 35,707.29 TOTAL 35,707.29 Section 5.8(viii) Realized Net Losses for Collection Period 291,670.38 Section 5.8(ix) Reserve Account Balance after Disbursement 22,708,664.43 Section 5.8(x) Specified Reserve Account Balance 22,708,664.43 Section 5.8(xi) Yield Supplement Account Balance 1,815,583.45 Section 5.8(xii) Total Distribution Amount 57,966,096.18 Servicing Fee 1,124,693.00 Administration Fee 1,000.00 Noteholders Distribution Amount 53,815,728.93 Certficateholders Distribution Amount 85,510.00 Deposit to Reserve Account 2,939,164.25 Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.