Exhibit 20.1 Page 1 Chase Manhattan Auto Owner Trust 2004-A Statement to Certificateholders August 16 2004 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSES INTEREST BALANCE A1 309,000,000.00 113,227,285.22 41,461,698.21 108,698.19 41,570,396.40 0.00 0.00 71,765,587.01 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 1,404,227,285.22 41,461,698.21 2,421,523.19 43,883,221.40 0.00 0.00 1,362,765,587.01 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 366.43134375 134.18025311 0.35177408 134.53202718 232.25109065 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 877.64205326 25.91356138 1.51345199 27.42701338 851.72849188 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 August 16 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 5 Due Period Beginning Date 07/01/04 Due Period End Date 07/31/04 Determination Date 08/10/04 Section 5.8(iii) Servicing Fee 1,170,189.40 Section 5.8(iii) Servicing Fee per $1000 0.73136837 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 1,362,765,587.01 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 219,759.59 Section 5.8(ix) Reserve Account Balance after Disbursement 30,662,225.71 Section 5.8(x) Specified Reserve Account Balance 30,662,225.71 Section 5.8(xi) Yield Supplement Account Balance 6,095,972.10 Section 5.8(xii) Total Distribution Amount 47,933,634.66 Servicing Fee 1,170,189.40 Administration Fee 1,000.00 Noteholders Distribution Amount 43,797,221.40 Certficateholders Distribution Amount 86,000.00 Deposit to Reserve Account 2,879,223.86 Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.