Page 1

                     Chase Manhattan Auto Owner Trust 2003-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           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      453,315,219.69   40,364,613.67     574,199.28   40,938,812.95      0.00      0.00   412,950,606.02
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       47,067,616.41    1,956,577.11      80,014.95    2,036,592.06      0.00      0.00    45,111,039.30
TOTALS     2,010,000,000.00    1,018,082,836.10   42,321,190.78   1,542,932.56   43,864,123.34      0.00      0.00    975,76,645.32


                           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             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      871.76003787     77.62425706     1.10422938     78.72848644     794.13578081        A3      1.520000 %
A4             161581CU5     1,000.0000000      0.00000000     1.71666666      1.71666666   1,000.00000000        A4      2.060000 %
CERT           161581CV3      935.73790080     38.89815328     1.59075447     40.48890775     896.83974751       CERT     2.040000 %
TOTALS                        506.50887368     21.05531880     0.76762814     21.82294694     485.45355489      TOTALS


           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
                                February 15, 2005
                         STATEMENT TO CERTIFICATEHOLDERS


                                                                             
                           Due Period                                                          20
                           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                                               848,402.36

Section 5.8(iii)           Servicing Fee per $1000                                     0.42209073

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        975,761,648.94

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                   273,775.39

Section 5.8(ix)            Reserve Account Balance after Disbursement               17,075,828.86

Section 5.8(x)             Specified Reserve Account Balance                        17,075,828.86

Section 5.8(xi)            Yield Supplement Account Balance                          1,081,218.13

Section 5.8(xii)           Total Distribution Amount                                46,721,992.64
                           Servicing Fee                                               848,402.36
                           Administration Fee                                            1,000.00
                           Noteholders Distribution Amount                          41,827,531.28
                           Certificateholders Distribution Amount                    2,036,592.06
                           Deposit to Reserve Account                                2,008,466.94


                 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.