Chase Manhattan Grantor Trust 1996-A
Statement to Certificateholders
November 15, 1999

DISTRIBUTION IN DOLLARS
- ------------------------------------------------------------------------
ORIGINAL PRIOR
FACE PRINCIPAL
CLASS VALUE BALANCE PRINCIPAL INTEREST
- ------ ---------------- -------------- ------------- ----------

A 1,474,263,764.33 106,258,509.49 11,119,239.33 460,453.54
TOTALS 1,474,263,764.33 106,258,509.49 11,119,239.33 460,453.54

DISTRIBUTION IN DOLLARS
- ----------------------------------------------------------
CURRENT
REALIZED DEFERRED PRINCIPAL
CLASS TOTAL LOSSES INTEREST BALANCE
- ------ ------------- -------- -------- -------------

A 11,579,692.87 0.00 0.00 95,139,270.16
TOTALS 11,579,692.87 0.00 0.00 95,139,270.16

FACTOR INFORMATION PER $1000 OF ORIGINAL FACE
- -------------------------------------------------------------------------
PRIOR CURRENT
PRINCIPAL PRINCIPAL
CLASS FACTOR PRINCIPAL INTEREST TOTAL FACTOR
- ------ ----------- ---------- ---------- ---------- -----------
A 72.07564349 7.54223199 0.31232779 7.85455978 64.53341150
TOTALS 72.07564349 7.54223199 0.31232779 7.85455978 64.53341150

PASS-THROUGH RATES
- -------------------
CURRENT
CLASS PASS-THRU
RATE
- ------- ---------
A 5.200000%

IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT,
PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW:
Mark McDermott
The Chase Manhattan Bank - Structured Finance Services
450 W. 33rd Street, 14th Floor,
New York, New York 10001
Tel: (212) 946-7016
Email: mark.mcdermott@chase.com

Chase Manhattan Grantor Trust 1996-A
November 15, 1999

MONTHLY REPORT

Due Period 45

Due Period Beginning Date 10/01/99

Due Period End Date 10/31/99

Determination Date 11/10/99

I. Monthly Expense Summary
A. Servicing Fee Disbursement 88,548.76
B. Cash Collateral Account Expense 0.00
C. Total Expenses Paid (per $1000 of Original Principal Amount) 0.06006304

II. Cash Collateral Account Deposit Amount 0.00

III. Outstanding Advance Summary
A. From Prior Period 3,648,579.38
B. From Current Period 3,671,097.85
C. Change in Amount Between Periods (Line B - A) 22,518.47

IV. Available Cash Collateral Account Information for Due Period
A. Available Cash Collateral Amount 11,056,978.23
B. Available Cash Collateral Amount Percentage 10.40573436%

V. Available Cash Collateral Account Information for Next Period
A. Available Cash Collateral Amount 11,056,978.23
B. Available Cash Collateral Amount Percentage 11.62188675%

VI. Required Cash Collateral Amount
A. For the Current Collection Period 11,056,978.23
B. For the Next Collection Period 11,056,978.23

VII. Payment Summary for Servicer
A. Monthly Servicing Fees
1. Scheduled Monthly Servicing Fee 88,548.76
B. Monthly Disbursements to Servicer
1. Monthly Servicing Fee and Unpaid Servicing Fee 88,548.76
2. Reimbursed Advance Amount 124,374.68
3. Net Investment Earnings on Certificate Account 0.00
4. Total (Lines 1 thru 3) 212,923.44
C. Advance by Servicer 136,860.81
D. Net Disbursement to Seller (Lines B - C) 76,062.63

VIII. Certificate Account Surplus from Cert Acct to Cash Collateral Acct 0.00

IX. Disbursements on Cash Collateral Loan
A. Interest Payment on Loan 0.00
B. Fees and Expenses on Loan 0.00
C. Principal Payment on Loan 0.00

Chase Manhattan Grantor Trust 1996-A
November 15, 1999

X. Repayment to Seller
A. From Available Cash Collateral Funds 50,998.39
B. From Certificate Account
1. Excess Funds 226,038.45
2. Certificate Amount Surplus 0.00
3. Excess Amount ( Lines 1 -2) 226,038.45
C. Excess Amount Paid Seller (Lines A + B) 277,036.84

XI. Recoveries of Defaulted Receivables for Due Period 83,004.31
XII. Recoveries of Interest Delinquencies for Due Period 124,374.68

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY SERVICER CERTIFICATE REPORT

I. Available Amount in the Certificate Account
A. Credits
1. Payments form Obligors Applied to Collection Period
a. Principal Payments 10,941,648.67
b. Recovery of Advance 117,474.14
c. Other Interest Payments 670,142.77
d. Total (A thru C) 11,729,265.58
2. Repurchase Amount from Repurchased Receivables
a. Principal before Cutoff Date 0.00
b. Interest before Cutoff Date 0.00
c. Principal Payments 67,309.58
d. Recovery of Advance 1,884.37
e. Other Interest Payments 330.11
f. Total (A thru E) 69,524.06
3. Reversal from Defaulted Contracts 0.00
4. Recovery of Defaulted Receivables 83,004.31
5. Recovery Amount Before Cutoff Date
(Excluding Repurchased Receivables
a. Principal 0.00
b. Interest 0.00
c. Total (A thru B) 0.00
6. Investment Earnings on Certificate Account 0.00
7. Net Adjustments 0.00
8. Advance by Servicer 136,860.81
9. Overpayment from Obligors 0.00
10. Total Credits 12,018,654.76
B. Debits
1. Overpayments from Obligors 0.00
2. Recovery Amount Before Cutoff Date to Seller
a. Principal 0.00
b. Interest. 0.00
c. Total (Lines A thru B) 0.00
3. Reversal from Defaulted Contracts 0.00
4. Reimbursement of Advance
a. From Payments of Non-Defaulted Receivables 119,358.51
b. From Recovery of Defaulted Receivables 0.00
c. Total (Lines A thru B) 119,358.51
5. Net Investment Earnings on Certificate Account 0.00
6. Total Debits (Lines 1 thru 5) 119,358.51
C. Total Available Amount 11,899,296.25

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY SERVICER CERTIFICATE REPORT

II. Reimbursement of Advance on Defaulted Receivables
A. Recovery of Advance 4,127.56
B. Unreimbursed Advance from Prior Period 0.00
C. Reimbursed Amount (Min: Lines A and B) 0.00

III. Excess Collections for Collection Period
A.Excess Spread Amount 258,331.39
B. Net Recovery of Defaulted Receivables
1.Recovery of Defaulted Receivables 83,004.31
2. Reimbursement of Advance 0.00
3. Net Recovery of Defaulted Receivables (lines 1-2) 83,004.31
C. Excess Spread Amount to this Periods Defaulted Receivables
1. Balance on Defaulted Receivables
a. Principal 110,281.08
b. Advanced Interest 5,016.17
c. Unadvanced Interest 0.00
d. Total (Lines A thru C) 115,297.25
2. Amount Applied to Default Balance
(Min: Lines A+B and C.1) 115,297.25
D. Principal Carryover Shortfall 0.00
E. Adjustment to Excess Collection 0.00
F. Excess Collections 226,038.45

IV. Scheduled Monthly Disbursements
A. Unreimbursed Advance on Defaulted Receivables 0.00
B. Principal and Interest to Certificateholders
1. Monthly Prinicpal
a. From Repurchsed Receivables 67,309.58
b. From Defaulted Receivables 110,281.08
c. Principal Payment 10,941,648.67
d. Total (Lines A thru C) 11,119,239.33
2. Monthly Interest 460,453.54
3. Unpaid Interest 0.00
4. Principal Carryover Shortfall 0.00
5. Total 11,579,692.87
C. Servicing Fee to Servicer
1. Monthly Servicing Fee 88,548.76
2. Overdue Monthly Servicing Fee 0.00
3. Total (Lines 1 thru 2) 88,548.76
D. Total (Lines A thru C) 11,668,241.63

V. Payment Deficiency Amount
A. Scheduled Monthly Disbursements 11,668,241.63
B. Available Distribution Amount
1. Available Amount in Certificate Account 11,899,296.25
2. Excess Collections in Certificate Account 226,038.45
3. Reimbursed Advance on Defaulted Receivables
from Excess Spread 5,016.17
4. Available Distribution Amount (Lines 1-2-3) 11,668,241.63
C. Payment Deficiency Amount (Max: (Lines A-B) and 0.00) 0.00

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY SERVICER CERTIFICATE REPORT

VI. Cash Collateral Account Withdrawal
A. Available Cash Collateral Amount for the Collection Period 11,056,978.23
B. Payment Deficiency Amount 0.00
C. Cash Collateral Account Withdrawal 0.00

VII. Disbursements from the Certificate Account with CCA Withdrawal
A. Available Distribution Amount
1. Available Distribution Amount from Certificate Account 11,899,296.25
2.Excess Collections 226,038.45
3. Cash Collateral Account Withdrawal 0.00
4. Reimbursed Advance on Defaulted
Receivables from Excess Spread 5,016.17
5. Available Amount (Lines 1 - 2 + 3 - 4) 11,668,241.63
B.Disbursements of Advance on Defaulted Receivables 0.00
C. Disbursements to Certificateholders 11,579,692.87
D. Monthly Servicing Fee and Overdue Servicing Fee 88,548.76
E. Excess Funds from Certificate Account
1. Available Amount after Distribution (Lines A-B-C-D) 0.00
2. Excess Collections 226,038.45
3.Excess Funds (Lines 1 + 2) 226,038.45

VIII. Average Certificate Principal Balance for the Collection Period
A. Beginning Balance 106,258,509.49
B. Ending Balance 95,139,270.16
C. Average Balance (Lines (A + B) / 2) 100,698,889.82

IX. Delinquency and Defaults Information

Group 1

Delinquency Principal
Period Number Amount Balance
---------- ------ ----------- ------------
30-59 days 889 617,222.90 3,565,654.60
60-89 days 142 141,874.31 521,051.31
90-119 days 40 50,042.55 150,770.16
120+149 days 26 31,317.56 70,459.81
150+179 days 11 15,820.66 30,646.09
180+209 days 11 14,879.88 17,469.83
210+239 days 7 13,324.61 17,523.25
240+Days
Delinquent 0 0.00 0.00
Total 1126 884,482.47 4,373,575.05

B. Principal Amount of Loans in Defaulted Receivables 110,281.08
C. Delinquency Percentage
1. Outstanding Principal Balance for Deliquency >= 60 Days 807,920.45
2. Portfolio Principal Ending Balance
for the Collection Period 95,139,270.16
3. Delinquency Percentage 0.84919765%

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY SERVICER CERTIFICATE REPORT

X. Portfolio Average Delinquency Rate
A. Delinquency Rate for Second Prior Period 0.99158254%
B. Delinquency Rate for Prior Period 0.77220867%
C. Delinquency Rate for Current Period 0.84919765%
D. Average Deliquency Rate 0.87099629%

XI. Portfolio Average Three Due Periods Charge Off Rate
A. Charge Off Rate for Second Prior Period 0.51702931%
B. Charge Off Rate for Prior Period 0.83902132%
C. Charge Off Rate for Current Period
1. Principal Recoveries of Defaulted Receivables 77,833.26
2. Principal on Defaulted Receivables 110,281.08
3. Average Pool Balance for Collection Period 100,698,889.82
4. Charge Off Rate ( 12 * ( Lines ( 2 - 1) / 3) 0.38667143%
D. Average Charge Off Rate ( ( Lines A thru C) / 3) 0.58090735%

XII. Required Cash Collateral Amount for Next Collection Period
A. Cash Collateral Floor Amount
1. Maximum Amount 11,056,978.23
2. Possible Floor Amount
a. Pool Principal Balance at the Beginning of Collection Period 106,258,509.49
b. Cumulative Monthly Interest Through Final Distribution Date 12,432,245.61
c. Cumulative Monthly Servicing Fee Through Final Distribution Date 2,390,816.46
d. Total ( Lines A thru C) 121,081,571.56
3. Cash Collateral Floor Amount ( Min: Lines 1 & 2) 11,056,978.23
B. Possible Cash Collateral Amount
1. Cash Collateral Percentage
a. Average Three Period Delinquency Percentage 0.87099629%
b. Delinquency Percentage Trigger 1.25000000%
c. Average Three Period Charge Off Rate 0.58090735%
d. Charge Off Rate Trigger 1.25000000%
e. Maximum Cash Collateral Percentage Specified 7.00000000%
f. Minimum Cash Collateral Percentage Specified 5.00000000%
g. Cash Collateral Percentage Applied (If a>b or c>d, then e, else f) 5.00000000%
2. Pool Principal Balance 95,139,270.16
3. Possible Amount 4,756,963.51
C. Required Cash Collateral Amount (Max: Lines A & B) 11,056,978.23

XIII. Deposit to Cash Collateral Account
A. Excess Funds from Certificate Account 226,038.45
B. Required Deposit to Cash Collateral Account
1. Required Cash Collateral Amount for Next Period 11,056,978.23
2. Available Cash Collateral Amount 11,056,978.23
3. Cash Collateral Account Withdrawal 0.00
4. Required Deposit Amount ( Max: 0 & Lines 1-2+3) 0.00
C. Deposit Amount to Cash Collateral Account (Min: Lines A & B) 0.00

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY SERVICER CERTIFICATE REPORT

XIV. Memorandum Spread Account Unfunded Amount
A. Memorandum Spread Account Cap
1. Cash Collateral Floor Amount 11,056,978.23
2. Possible Cap
a. Pool Principal Balance 95,139,270.16
b. Memorandum Spread Account Cap Percentage
1. Average Three Period Charge Off Rate 0.58090735%
2. Minimum Charge Off Rate Trigger 1.25000000%
3. Average Three Period Delinquency Rate 0.87099629%
4. Minimum Delinquency Percentage 1.25000000%
5. Minimum Cap Percentage Specified 1.00000000%
6. Maximum Cap Percentage Specified 2.00000000%
7. Memorandum Spread Account Cap Percentage 1.00000000%
(If 1<=2 and 3<=4 then 5 else 6)
c. Possible Amount (Lines a * b) 951,392.70
3. Memorandum Spread Account Cap (Max: Lines ( 1 + 2)) 11,056,978.23
B. Memorandum Spread Account Amount
1. Available Cash Collateral Amount 11,056,978.23
2. Cash Collateral Account Deposit 0.00
3. Cash Collateral Account Withdrawal 0.00
4. Principal Balance on Cash Collateral Loan 0.00
5. Memorandum Spread Account Amount (Max: 0 & Lines 1 + 2 - 3 - 4) 11,056,978.23
C. Memorandum Spread Account Unfunded Amount (Max: 0 & Lines A - B) 0.00

XV. Available Cash Collateral Payment Funds
A. Certificate Account Surplus
1. Excess Funds from Certificate Account 226,038.45
2. Memorandum Spread Account Unfunded Amount 0.00
3. Certificate Account Surplus 0.00
B. Cash Collateral Account Surplus
1. Available Cash Collateral Amount 11,056,978.23
2. Cash Collateral Account Deposit 0.00
3. Cash Collateral Account Withdrawal 0.00
4. Required Cash Collateral Amount for Next Period 11,056,978.23
5. Cash Collateral Account Surplus (Max: 0 & Lines 1 + 2 - 3 - 4) 0.00
C. Investment Earnings on Cash Collateral Account 50,998.39
D. Available Cash Collateral Payment Funds 50,998.39

XVI. Scheduled Disbursement on Cash Collateral Loan
A. Scheduled Interest
1. Interest on Deposit Rate Portion 0.00
2. Interest on Base Rate Portion 0.00
3. Unpaid Interest 0.00
4. Total (Lines 1 thru 3) 0.00
B. Fees and Expenses
1. Fees and Expenses 0.00
2. Overdue Fees and Expenses 0.00
3. Total (Lines 1 thru 2) 0.00
C. Total ( Lines A + B ) 0.00

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY SERVICER CERTIFICATE REPORT

XVII. Excess From Memorandum Spread Account
A. Memorandum Spread Account Cap 11,056,978.23
B. Adjusted Memorandum Spread Account Amount
1. Memorandum Spread Account Amount 11,056,978.23
2. Investment Earnings on Cash Collateral Account 50,998.39
3. Interest Due to Cash Collateral Loan 0.00
4. Fees and Expenses to Cash Collateral Loan 0.00
5. Adjusted Memorandum Spread Account Amount
(Max: 0 & Lines 1 + 2 - 3 - 4) 11,107,976.62
C. Excess from Memorandum Spread Account 50,998.39

XVIII. Disbursement of Available Cash Collateral Payment Funds
A. Available Cash Collateral Payment Funds 50,998.39
B. Interest Payment to Cash Collateral Loan 0.00
C. Fees and Expenses on Cash Collateral Depositor 0.00
D. Principal Payment to Cash Collateral Loan
1. Available Disbursement Amount
a. Available Amount after Disbursement of Interest, 50,998.39
Fees, & Expenses
b. From Excess of Memorandum Spread Account 50,998.39
c. Available Disbursement Amount 0.00
2. Principal Balance on Cash Collateral Loan 0.00
3. Principal Payment 0.00
E. Excess Amount to Seller 50,998.39

XIX. Available Cash Collateral Amount for Next Distrbution Date
A. Available Cash Collateral Amount
1. Available Cash Collateral Amount 11,056,978.23
2. Cash Collateral Account Deposit from Certificate Account 0.00
3. Cash Collateral Account Withdrawal 0.00
4. Cash Collateral Account Surplus 0.00
5. Available Cash Collateral Amount ( Lines 1 + 2 - 3 - 4 ) 11,056,978.23
B. Available Cash Collateral Percentage 11.62188675%

XX. Reimbursed Advance
A. From Payment in Certificate Account 119,358.51
B. From Excess Spread 5,016.17
C. From Certificate Account with Cash Collateral Withdrawal 0.00
D. Total ( Lines A thru C ) 124,374.68

XXI. Excess Amount to Seller
A. From Available Cash Collateral Payment Funds 50,998.39
B. From Certificate Account
1. Excess Funds 226,038.45
2. Certificate Account Surplus 0.00
3. Excess Amount 226,038.45
C. Excess Amount to Seller (Lines A thru B) 277,036.84

XXII. Weighted Average Coupon as of Current Period 9.09084688%

XXIII. Weighted Average Maturity as of Current Period 12.39691229

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY BALANCE REPORT

I. Defaulted Receivables Summary
A. Beginning Balance
1. Principal 8,382,978.56
2. Interest 326,066.64
3. Total 8,709,045.20
B. Additions
1. Principal 110,281.08
2. Interest 5,016.17
3. Total ( Lines 1 thru 2) 115,297.25
C. Net Recoveries
1. Principal 77,833.26
2. Interest 0.00
3. Excess 1,043.49
4. Total ( Lines 1 thru 3) 78,876.75
D. Adjustments on Excess from Recoveries 1,043.49
E. Ending Balance
1. Principal 8,415,426.38
2. Interest 331,082.81
3. Total ( Lines 1 + 2) 8,746,509.19

II. Outstanding Advances Summary
A. Beginning Balance 3,648,579.38
B. Additions 136,860.81
C. Reimbursements
1. For Defaulted Receivables
a. From Receivables Excess Spread 5,016.17
b. From Cash Collateral Withdrawal 0.00
c. From Recoveries of Defaulted Receivables 0.00
d. Total ( Lines a thru c) 5,016.17
2. Others 119,358.51
3. Total ( Lines 1 thru 2 ) 124,374.68
D. Ending Balance ( Lines A + B - C ) 3,661,065.51

III. Unreimbursed Advances of Defaulted Receivables Summary
A. Beginning Balance 0.00
B. Additions 5,016.17
C. Reimbursements
1. From Recoveries of Defaulted Receivables 0.00
2. From Excess Reserve Account 5,016.17
3. From Cash Collateral Withdrawal 0.00
4. Total 5,016.17
D. Ending Balance ( Lines A + B - C) 0.00

Chase Manhattan Grantor Trust 1996-A
November 15, 1999
MONTHLY BALANCE REPORT

IV. Maturity Interest Deficiency Summary
A. Beginning Balance 2,402,680.57
B. Additions 54,005.28
C. Ending Balance 2,456,685.85

V. Certificate Principal Balance
A. Beginning Balance 106,258,509.49
B. Monthly Prinicpal
1. Defaulted Receivables 110,281.08
2. Repurchased Receivables 67,309.58
3. Principal Payment 10,941,648.67
4. Total ( Lines 1 thru 3 ) 11,119,239.33
C. Ending Balance ( Lines A - B ) 95,139,270.16

VI. Automobiles Receivables Balance Summary
A. Beginning Balance 106,258,509.49
B. Automobile Receivable Monthly Principal
1. Defaulted Receivables 110,281.08
2. Others 11,008,958.25
3. Total ( Lines 1 thru 2 ) 11,119,239.33
C. Ending Balance 95,139,270.16

VII. Automobiles Tally Summary
A. Beginning Number of Receivables 27,217
B. Additions 0
C. Deductions
1. Repurchased Receivables 12
2. Defaulted Receivables 20
3. Matured Receivables 1,371
4. Total ( Lines 1 thru 3 ) 1,403
D. Ending Number of Receivables 25,814

VIII. Cash Collateral Loan Summary
A. Beginning Balance 0.00
B. Repayment of Loan 0.00
C. Ending Balance 0.00