Exhibit 99.1 Page 1 Chase Manhattan Auto Owner Trust 2003-A Statement to Certificateholders November 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 63,545,957.73 45,445,513.21 66,723.26 45,512,236.47 0.00 0.00 18,100,444.52 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 1,151,545,957.73 45,445,513.21 1,699,618.26 47,145,131.47 0.00 0.00 1,106,100,444.52 FACTO R 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 122.67559407 87.73265098 0.12880938 87.86146037 34.94294309 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 572.90843668 22.60970806 0.84558122 23.45528929 550.29872862 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 November 15 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 17 Due Period Beginning Date 10/01/04 Due Period End Date 10/31/04 Determination Date 11/10/04 Section 5.8(iii) Servicing Fee 959,621.63 Section 5.8(iii) Servicing Fee per $1000 0.47742370 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 1,106,100,448.14 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 48,067.57 TOTAL 48,067.57 Section 5.8(viii) Realized Net Losses for Collection Period 204,787.73 Section 5.8(ix) Reserve Account Balance after Disbursement 19,356,757.84 Section 5.8(x) Specified Reserve Account Balance 19,356,757.84 Section 5.8(xi) Yield Supplement Account Balance 1,354,522.98 Section 5.8(xii) Total Distribution Amount 50,168,600.21 Servicing Fee 959,621.63 Administration Fee 1,000.00 Noteholders Distribution Amount 47,059,621.47 Certficateholders Distribution Amount 85,510.00 Deposit to Reserve Account 2,062,847.11 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.