EXHIBIT 99.1

                             COMPLIANCE CERTIFICATE

     This Compliance  Certificate is furnished  pursuant to Section 4.10 of that
certain  Sale  and  Servicing  Agreement  dated  as of May 1,  2002,  among  BMW
Financial  Services NA, LLC, as Seller,  Servicer,  Administrator and Custodian,
JPMorgan Chase Bank, as Indenture Trustee, BMW FS Securities, LLC, as Depositor,
and the BMW  Vehicle  Owner  Trust  2002-A as Issuer  (the  "Sale and  Servicing
Agreement")  (all  capitalized  terms used herein  without  definition  have the
respective meanings specified in the Sales and Servicing Agreement).

 THE UNDERSIGNED HEREBY CERTIFIES THAT:

1.   I am a duly authorized officer of the Servicer;

2.   I have  reviewed the terms of the Sale and  Servicing  Agreement and I have
     made, or have caused to be made under my supervision,  a detailed review of
     the  transactions and conditions of the Servicer and the performance of its
     obligations  there under during the period from May 1, 2002 to December 31,
     2002;

3.   To my knowledge, based on the review described in paragraph 2, the Servicer
     has fulfilled all its obligations  under the Sale and Servicing  Agreement,
     during the period  from May 1, 2002 to  December  31,  2002,  except as set
     forth below.


           Described below are the exceptions, if any, to paragraph 3
 by listing, in detail, the nature of the condition or event, the
 period during which it has existed and the action which the Servicer
 has taken, is taking, or proposes to take with respect to each such
 condition or event: NONE


     IN WITNESS  WHEREOF,  I have  affixed  hereunto set my hand this 9th day of
April, 2003.

           By:         BMW Financial Services NA, LLC

           By:         /s/ Gerald Holzmann
                       -------------------------------
                       Gerald Holzmann

           Title:      CFO