Page 1 Chase Manhattan Auto Owner Trust 2004-A Statement to Certificateholders November 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 378,000,000.00 368,609,500.97 39,576,256.36 445,403.15 40,021,659.51 0.00 0.00 329,033,244.61 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 1,281,609,500.97 39,576,256.36 2,301,478.15 41,877,734.51 0.00 0.00 1,242,033,244.61 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 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 1.080000 % A2 161581DH3 975.15740997 104.69909090 1.17831521 105.87740611 870.45831907 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 801.00593811 24.73516023 1.43842384 26.17358407 776.27077788 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 November 15 2004 STATEMENT TO CERTIFICATEHOLDERS Due Period 8 Due Period Beginning Date 10/01/04 Due Period End Date 10/31/04 Determination Date 11/10/04 Section 5.8(iii) Servicing Fee 1,068,007.92 Section 5.8(iii) Servicing Fee per $1000 0.66750495 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 1,242,033,244.61 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 19,374.54 TOTAL 19,374.54 Section 5.8(viii) Realized Net Losses for Collection Period 396,830.49 Section 5.8(ix) Reserve Account Balance after Disbursement 27,945,748.00 Section 5.8(x) Specified Reserve Account Balance 27,945,748.00 Section 5.8(xi) Yield Supplement Account Balance 5,302,026.64 Section 5.8(xii) Total Distribution Amount 45,048,566.42 Servicing Fee 1,068,007.92 Administration Fee 1,000.00 Noteholders Distribution Amount 41,791,734.51 Certficateholders Distribution Amount 86,000.00 Deposit to Reserve Account 2,101,823.99 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.