EXHIBIT 99.1

                              BANK ONE, TEXAS N.A.
                  Annual Officer's Certificate of the Servicer
                       Bank One Auto Grantor Trust 1996-A


         The undersigned, a duly authorized representative of Bank One, Texas,
N.A., as Servicer (the "Servicer"), pursuant to Section 3.10 of the Pooling and
Servicing Agreement dated as of March 1, 1996 (the "Agreement") between the
Servicer and The Chase Manhattan Bank, N.A., as trustee (the "Trustee"), does
hereby certify as follows:

         (1)      All terms used herein that are defined in the Agreement shall
                  have the meanings provided in the Agreement, unless otherwise
                  defined herein.

         (2)      The undersigned is an officer of the Servicer who is duly
                  authorized pursuant to the Agreement to execute and deliver
                  this Certificate.

         (3)      A review of the activities of the Servicer during the period
                  from January 1, 1997 to December 31, 1997 (the "Servicing
                  Period") and its performance under the Agreement has been made
                  under my supervision.

         (4)      Based on such review, the Servicer has, to the best of my
                  knowledge, fulfilled all of its material obligations under the
                  Agreement throughout the Servicing Period except as set forth
                  in paragraph (5) below.

         (5)      The following is a brief description of each default in the
                  fulfillment of the Servicer's obligations under the Agreement
                  known to me to have been made by the Servicer during the
                  Servicing Period, which sets forth in detail (i) the nature of
                  each such default and (ii) the current status of each default:

              a)  The Servicer did not provide to the Trustee and Rating
                  Agencies an Annual Independent Certified Public Accountant's
                  Report, known generally as the Agreed Upon Procedures Report,
                  for the period January 1, 1996 through December 31, 1996 as
                  defined in section 3.11 of the Agreement. The inability of the
                  Servicer to provide such report is the direct result of a
                  change in AICPA's Professional Standards (SAS#75) which
                  governs the preparation and distribution of such report. In
                  general, SAS#75 limits the usage of this report unless the
                  users take responsibility for the specific procedures to be
                  performed. The Servicer's inability to provide the Agreed Upon
                  Procedures Report was discussed with the Trustee and the
                  Rating Agencies.

                  In lieu of providing the Agreed Upon Procedures Report, the
                  Servicer provided to the Trustee and the Rating Agencies a
                  report issued by a firm of independent certified public
                  accountants to the effect that (i) such accountants have
                  examined the assertions by the Servicer's management that, as
                  of December 31, 1996, the Servicer maintained effective
                  internal controls over the servicing of the Receivables and
                  (ii) such assertion is fairly stated in all material respects.

                  Discussions with the Trustee and Rating Agencies on the matter
                  resulted in the acceptance of the Accountant's examination of
                  management's assertions as to the effectiveness of the
                  internal controls over the loans being serviced.

IN WITNESS WHEREOF, the Servicer has caused this Certificate to be executed by a
duly authorized officer as of the 31st day of December 1997.


                                        Bank One, Texas, N.A., as Servicer




                                        By: /s/Jeff Stewart
                                            --------------------------
                                            Jeff Stewart
                                            Vice President & Controller