Page 1 Chase Manhattan Auto Owner Trust 2003-A Statement to Certificateholders December 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 18,100,444.52 18,100,444.52 19,005.47 18,119,449.99 0.00 0.00 0.00 A3 520,000,000.00 520,000,000.00 25,348,854.04 658,666.67 26,007,520.71 0.00 0.00 494,651,145.96 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 1,228,724.45 85,510.00 1,314,234.45 0.00 0.00 49,071,275.55 TOTALS 2,010,000,000.00 1,106,100,444.52 44,678,023.01 1,651,900.47 46,329,923.48 0.00 0.00 1,061,422,421.51 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES PRIOR CURRENT CURRENT PRINCIPAL PRINCIPAL PASS THRU CLASS CUSIP FACTOR PRINCIPAL INTEREST TOTAL FACTOR CLASS RATE A1 161581CR2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 1.200000 % A2 161581CS0 34.94294309 34.94294309 0.03669010 34.97963319 0.00000000 A2 1.260000 % A3 161581CT8 1,000.00000000 48.74779623 1.26666667 50.01446290 951.25220377 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 24.42792147 1.70000000 26.12792147 975.57207853 CERT 2.040000 % TOTALS 550.29872862 22.22787214 0.82184103 23.04971317 528.07085647 IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Kelly M Crosson JPMorgan Chase Bank, N.A. - 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 December 15 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 18 Due Period Beginning Date 11/01/04 Due Period End Date 11/30/04 Determination Date 12/10/04 Section 5.8(iii) Servicing Fee 921,750.37 Section 5.8(iii) Servicing Fee per $1000 0.45858227 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 1,061,422,425.13 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 79,003.26 TOTAL 79,003.26 Section 5.8(viii) Realized Net Losses for Collection Period 333,939.59 Section 5.8(ix) Reserve Account Balance after Disbursement 18,574,892.44 Section 5.8(x) Specified Reserve Account Balance 18,574,892.44 Section 5.8(xi) Yield Supplement Account Balance 1,253,306.22 Section 5.8(xii) Total Distribution Amount 49,326,943.23 Servicing Fee 921,750.37 Administration Fee 1,000.00 Noteholders Distribution Amount 45,015,689.03 Certificateholders Distribution Amount 1,314,234.45 Deposit to Reserve Account 2,074,269.38 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.