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.