Page 1

                     Chase Manhattan Auto Owner Trust 2003-A
                         Statement to Certificateholders
                                February 15, 2006



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                                                         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     14,595,102.88     14,595,102.88     18,487.13    14,613,590.01      0.00       0.00               0.00
A4         517,700,000.00    517,700,000.00     14,967,712.20    888,718.33    15,856,430.53      0.00       0.00     502,732,287.80
CERT        50,300,000.00     25,801,718.86      1,432,986.02     43,862.92     1,476,848.94      0.00       0.00      24,368,732.84
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TOTALS   2,010,000,000.00    558,096,821.74     30,995,801.10    951,068.38    31,946,869.48      0.00       0.00     527,101,020.64
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- ------------------------------------------------------------------------------------------------------------------------------------
                                   FACTOR INFORMATION PER $1000 OF ORIGINAL FACE                                  PASS-THROUGH RATES
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                                                                                                                           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        28.06750554     28.06750554        0.03555217      28.10305771         0.00000000   A3        1.520000 %
A4         161581CU5     1,000.00000000     28.91194167        1.71666666      30.62860833       971.08805833   A4        2.060000 %
CERT       161581CV3       512.95663738     28.48878767        0.87202624      29.36081392       484.46784970   CERT      2.040000 %
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TOTALS                     277.66011032     15.42079657        0.47316835      15.89396492       262.23931375
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          IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT,
                 PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW:
                                  Amy D Skinner
             JPMorgan Chase Bank, N.A. - Structured Finance Services
                           600 Travis St., 9th Floor,
                              Houston, Texas 77002
                    Tel: (713) 216-3682 / Fax: (713) 216-4880
                         Email: Amy.D.Skinner@chase.com

                     Copyright 2005 J.P. Morgan Chase & Co. All rights reserved.


                                                                          Page 2

                     Chase Manhattan Auto Owner Trust 2003-A
                                February 15, 2006

                         STATEMENT TO CERTIFICATEHOLDERS


                                                                                                                 
                                              Due Period                                                                         32
                                              Due Period Beginning Date                                                    01/01/06
                                              Due Period End Date                                                          01/31/06
                                              Determination Date                                                           02/10/06

Section 5.8(iii)        Servicing Fee                                                                                    465,080.68
Section 5.8(iii)        Servicing Fee per $1000                                                                          0.23138342

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                                             527,101,024.26

Section 5.8(vii)        Repurchase Amounts for Repurchased Receivable
                        By Seller                                                                                              0.00
                        By Servicer                                                                                       39,536.91
                        TOTAL                                                                                             39,536.91

Section 5.8(viii)       Realized Net Losses for Collection Period                                                        156,184.21

Section 5.8(ix)         Reserve Account Balance after Disbursement                                                    15,075,000.00

Section 5.8(x)          Specified Reserve Account Balance                                                             15,075,000.00

Section 5.8(xi)         Yield Supplement Account Balance                                                                 413,228.58

Section 5.8(xii)        Total Distribution Amount                                                                     33,453,747.95
                        Servicing Fee                                                                                    465,080.68
                        Administration Fee                                                                                 1,000.00
                        Noteholders Distribution Amount                                                               30,470,020.54
                        Certificateholders Distribution Amount                                                         1,476,848.94
                        Deposit to Reserve Account                                                                     1,040,797.79


                      Copyright 2005 J.P.Morgan Chase & Co. All rights reserved.