Exhibit 20.1 Page 1 Chase Manhattan Auto Owner Trust 2004-A Statement to Certificateholders July 15 2004 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSES INTEREST BALANCE A1 309,000,000.00 157,532,369.26 44,305,084.04 141,779.13 44,446,863.17 0.00 0.00 113,227,285.22 A2 378,000,000.00 378,000,000.00 0.00 456,750.00 456,750.00 0.00 0.00 378,000,000.00 A3 462,000,000.00 462,000,000.00 0.00 800,800.00 800,800.00 0.00 0.00 462,000,000.00 A4 411,000,000.00 411,000,000.00 0.00 969,275.00 969,275.00 0.00 0.00 411,000,000.00 CERT 40,000,000.00 40,000,000.00 0.00 86,000.00 86,000.00 0.00 0.00 40,000,000.00 TOTALS 1,600,000,000.00 1,448,532,369.26 44,305,084.04 2,454,604.13 46,759,688.17 0.00 0.00 1,404,227,285.22 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES PRIOR CURRENT CURRENT PRINCIPAL PRINCIPAL CLASS PASS THRU CLASS CUSIP FACTOR PRINCIPAL INTEREST TOTAL FACTOR RATE A1 161581DG5 509.81349275 143.38214900 0.45883214 143.84098113 366.43134375 A1 1.080000 % A2 161581DH3 1,000.00000000 0.00000000 1.20833333 1.20833333 1,000.00000000 A2 1.450000 % A3 161581DJ9 1,000.00000000 0.00000000 1.73333333 1.73333333 1,000.00000000 A3 2.080000 % A4 161581DK6 1,000.00000000 0.00000000 2.35833333 2.35833333 1,000.00000000 A4 2.830000 % CERT 161581DL4 1,000.00000000 0.00000000 2.15000000 2.15000000 1,000.00000000 CERT 2.580000 % TOTALS 905.33273079 27.69067753 1.53412758 29.22480511 877.64205326 IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Kelly M Crosson JPMorgan Chase Bank - Structured Finance Services 4 NY Plaza, 6th floor, New York, New York 10004 Tel: (212) 623-5439 Fax: (212) 623-5932 Email: kelly.crosson@jpmorgan.com Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved. Page 2 Chase Manhattan Auto Owner Trust 2004-A July 15 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 4 Due Period Beginning Date 06/01/04 Due Period End Date 06/30/04 Determination Date 07/09/04 Section 5.8(iii) Servicing Fee 1,207,110.31 Section 5.8(iii) Servicing Fee per $1000 0.75444394 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00062500 Section 5.8(vi) Pool Balance at the end of the Collection Period 1,404,227,285.22 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 0.00 TOTAL 0.00 Section 5.8(viii) Realized Net Losses for Collection Period 217,838.25 Section 5.8(ix) Reserve Account Balance after Disbursement 31,595,113.92 Section 5.8(x) Specified Reserve Account Balance 31,595,113.92 Section 5.8(xi) Yield Supplement Account Balance 6,367,337.05 Section 5.8(xii) Total Distribution Amount 51,247,601.47 Servicing Fee 1,207,110.31 Administration Fee 1,000.00 Noteholders Distribution Amount 46,673,688.17 Certficateholders Distribution Amount 86,000.00 Deposit to Reserve Account 3,279,802.99 Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.