Page 1 Chase Manhattan Auto Owner Trust 2002-A Statement to Certificateholders February 15, 2005 DISTRIBUTION IN DOLLARS ORIGINAL BEGINNING ENDING FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSSES INTEREST BALANCE A1 445,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 460,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A3 570,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A4 498,400,000.00 393,786,938.43 25,384,091.63 1,391,380.52 26,775,472.15 0.00 0.00 368,402,846.80 R 50,600,000.00 18,595,544.07 1,202,204.26 64,619.52 1,266,823.78 0.00 0.00 17,393,339.81 TOTALS 2,024,000,000.00 412,382,482.50 26,586,295.89 1,456,000.04 28,042,295.93 0.00 0.00 385,796,186.61 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THRU RATE CURRENT BEGINNING ENDING PASS-THRU CLASS CUSIP PRINCIPAL PRINCIPAL INTEREST TOTAL PRINCIPAL CLASS RATE A1 161581CA9 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 1.942500 % A2 161581CB7 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 2.630000 % A3 161581CC5 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A3 3.490000 % A4 161581CD3 790.10220391 50.931162981 2.79169446 53.722857441 739.17104093 A4 4.240000 % R 161581CE1 367.50087095 23,758977471 1.27706561 25.036043081 343.74189348 R 4.170000 % TOTALS 203.74628582 13.135521681 0.71936761 13.85488929 190.61076414 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 2002-A February 15, 2005 STATEMENT TO CERTIFICATEHOLDERS Due Period 35 Due Period Beginning Date 01/01/05 Due Period End Date 01/31/05 Determination Date 02/10/05 Section 5.8(iii) Servicing Fee 343,652.07 Section 5.8(iii) Servicing Fee per $1000 0.16978857 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00049407 Section 5.8(vi) Pool Balance at the end of the Collection Period 385,796,186.68 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 35,686.09 TOTAL 35,686.09 Section 5.8(viii) Realized Net Losses for Collection Period 238,904.13 Section 5.8(ix) Reserve Account Balance after Disbursement 15,180,000.00 Section 5.8(x) Specified Reserve Account Balance 15,180,000.00 Section 5.8(xi) Total Distribution Amount 28,915,314.42 Servicing Fee 343,652.07 Administration Fee 1,000.00 Noteholders Distribution Amount 26,775,472.15 Certficateholders Distribution Amount 1,266,823.78 Deposit to Reserve Account 528,366.42 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.