Page 1 Chase Manhattan Auto Owner Trust 2004-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 309,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 378,000,000.00 289,392,791.19 39,377,826.09 349,682.96 39,727,509.05 0.00 0.00 250,014,965.10 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 1,202,392,791.19 39,377,826.09 2,205,757.96 41,583,584.05 0.00 0.00 1,163,014,965.10 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES PRIOR CURRENT CURRENT PRINCIPAL PRINCIPAL PASS THRU CLASS CUSIP FACTOR PRINCIPAL INTEREST TOTAL FACTOR CLASS RATE A1 161581DG5 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 1.080000 % A2 161581DH3 765.58939468 104.17414310 0.92508720 105.09923029 661.41525159 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 751.49549449 24.61114131 1.37859873 25.98974003 726.88435319 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 2004-A January 18 2005 STATEMENT TO CERTIFICATEHOLDERS Due Period 10 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 1,001,993.99 Section 5.8(iii) Servicing Fee per $1000 0.62624624 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 1,163,014,965.10 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 29,385.36 TOTAL 29,385.36 Section 5.8(viii) Realized Net Losses for Collection Period 408,121.51 Section 5.8(ix) Reserve Account Balance after Disbursement 26,167,836.71 Section 5.8(x) Specified Reserve Account Balance 26,167,836.71 Section 5.8(xi) Yield Supplement Account Balance 4,797,498.98 Section 5.8(xii) Total Distribution Amount 44,686,998.45 Servicing Fee 1,001,993.99 Administration Fee 1,000.00 Noteholders Distribution Amount 41,497,584.05 Certficateholders Distribution Amount 86,000.00 Deposit to Reserve Account 2,100,420.41 Copyright (C) 2001 J.P. Morgan Chase & Co. All rights reserved.