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Exhibit 23.12

CONSENT OF INDEPENDENT AUDITORS

        We consent to the reference to our firm under the caption "Experts" and to the use of our report dated May 13, 2003 in the Registration Statement (Form S-3 No. 333-98975) and related prospectus supplement of Harley-Davidson Motorcycle Trust 2003-2 dated May 13, 2003.

/s/ ERNST & YOUNG LLP

Chicago, Illinois
May 13, 2003

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CONSENT OF INDEPENDENT AUDITORS