Page 1 Chase Manhattan Auto Owner Trust 2003-A Statement to Certificateholders January 18 2005 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSSES 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A3 520,000,000.00 494,651,145.96 41,335,926.27 626,558.12 41,962,484.39 0.00 0.00 453,315,219.69 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 49,071,275.55 2,003,659.14 83,421.17 2,087,080.31 0.00 0.00 47,067,616.41 TOTALS 2,010,000,000.00 1,061,422,421.51 43,339,585.41 1,598,697.62 44,938,283.03 0.00 0.00 1,018,082,836.10 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 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 1.260000 % A3 161581CT8 951.25220377 79.49216590 1.20491946 80.69708537 871.76003787 A3 1.520000 % A4 161581CU5 1,000.00000000 0.00000000 1.71666666 1.71666666 1,000.00000000 A4 2.060000 % CERT 161581CV3 975.57207853 39.83417773 1.65847256 41.49265030 935.73790080 CERT 2.040000 % TOTALS 528.07085647 21.56198279 0.79537195 22.35735474 506.50887368 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 January 18 2005 STATEMENT TO CERTIFICATEHOLDERS Due Period 19 Due Period Beginning Date 12/01/04 Due Period End Date 12/31/04 Determination Date 01/10/05 Section 5.8(iii) Servicing Fee 884,518.68 Section 5.8(iii) Servicing Fee per $1000 0.44005904 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 1,018,082,839.72 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 0.00 TOTAL 0.00 Section 5.8(viii) Realized Net Losses for Collection Period 343,413.25 Section 5.8(ix) Reserve Account Balance after Disbursement 17,816,449.70 Section 5.8(x) Specified Reserve Account Balance 17,816,449.70 Section 5.8(xi) Yield Supplement Account Balance 1,164,431.80 Section 5.8(xii) Total Distribution Amount 47,737,247.18 Servicing Fee 884,518.68 Administration Fee 1,000.00 Noteholders Distribution Amount 42,851,202.72 Certificateholders Distribution Amount 2,087,080.31 Deposit to Reserve Account 1,913,445.47 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.