Page 1 Chase Manhattan Auto Owner Trust 2002-A Statement to Certificateholders January 18 2005 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSSES INTEREST BALANCE A1 445,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 460,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A3 570,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A4 498,400,000.00 421,432,478.04 27,645,539.61 1,489,061.42 29,134,601.03 0.00 0.00 393,786,938.43 R 50,600,000.00 19,904,851.73 1,309,307.66 69,169.36 1,378,477.02 0.00 0.00 18,595,544.07 TOTALS 2,024,000,000.00 441,337,329.77 28,954,847.27 1,558,230.78 30,513,078.05 0.00 0.00 412,382,482.50 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 161581CA9 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 1.942500 % A2 161581CB7 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 2.630000 % A3 161581CC5 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A3 3.490000 % A4 161581CD3 845.57078258 55.46857867 2.98768343 58.45626210 790.10220391 A4 4.240000 % R 161581CE1 393.37651640 25.87564545 1.36698340 27.24262885 367.50087095 R 4.170000 % TOTALS 218.05204040 14.30575458 0.76987687 15.07563145 203.74628582 IF THERE, ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Kelly M Crosson JPMorgan Chase Bank, N.A. - 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 2002-A January 18 2005 STATEMENT TO CERTIFICATEHOLDERS Due Period 34 Due Period Beginning Date 12/01/04 Due Period End Date 12/31/04 Determination Date 01/10/05 Section 5.8(iii) Servicing Fee 367,781.11 Section 5.8(iii) Servicing Fee per $1000 0.18171003 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00049407 Section 5.8(vi) Pool Balance at the end of the Collection Period 412,382,482.57 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 12,600.73 TOTAL 12,600.73 Section 5.8(viii) Realized Net Losses for Collection Period 255,004.25 Section 5.8(ix) Reserve Account Balance after Disbursement 15,180,000.00 Section 5.8(x) Specified Reserve Account Balance 15,180,000.00 Section 5.8(xi) Total Distribution Amount 31,358,797.89 Servicing Fee 367,781.11 Administration Fee 1,000.00 Noteholders Distribution Amount 29,134,601.03 Certficateholders Distribution Amount 1,378,477.02 Deposit to Reserve Account 476,938.73 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.