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 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.

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