<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>5
<FILENAME>jd4-11ex993_2002.txt
<DESCRIPTION>99.3
<TEXT>
                                                                    EXHIBIT 99.3

                              MANAGEMENT ASSERTION

                     For the period of May 1, 2002 to December 31, 2002, the
           servicing of consumer finance receivables owned by BMW Vehicle Owner
           Trust 2002-A has been conducted by BMW Financial Services NA, LLC, in
           its capacity as servicer, in compliance with the servicing standards
           in all material respects, set forth in Articles IV and V of the Sale
           and Servicing Agreement dated May 1, 2002.

           By:         BMW Financial Services NA, LLC

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

           Title:     CFO

</TEXT>
</DOCUMENT>