Page 1 Chase Manhattan Auto Owner Trust 2004-A Statement to Certificateholders October 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 29,380,492.65 29,380,492.65 26,442.44 29,406,935.09 0.00 0.00 0.00 A2 378,000,000.00 378,000,000.00 9,390,499.03 456,750.00 9,847,249.03 0.00 0.00 368,609,500.97 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 1,320,380,492.65 38,770,991.68 2,339,267.44 41,110,259.12 0.00 0.00 1,281,609,500.97 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 95.08250049 95.08250049 0.08557424 95.16807472 0.00000000 A1 1.080000 % A2 161581DH3 1,000.00000000 24.84259003 1.20833333 26.05092336 975.15740997 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 825.23780791 24.23186980 1.46204215 25.69391195 801.00593811 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 October 15 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 7 Due Period Beginning Date 09/01/04 Due Period End Date 09/30/04 Determination Date 10/08/04 Section 5.8(iii) Servicing Fee 1,100,317.08 Section 5.8(iii) Servicing Fee per $1000 0.68769817 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 1,281,609,500.97 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 30,149.86 TOTAL 30,149.86 Section 5.8(viii) Realized Net Losses for Collection Period 538,574.73 Section 5.8(ix) Reserve Account Balance after Disbursement 28,836,213.77 Section 5.8(x) Specified Reserve Account Balance 28,836,213.77 Section 5.8(xi) Yield Supplement Account Balance 5,566,536.30 Section 5.8(xii) Total Distribution Amount 44,538,195.73 Servicing Fee 1,100,317.08 Administration Fee 1,000.00 Noteholders Distribution Amount 41,024,259.12 Certficateholders Distribution Amount 86,000.00 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.