Page 1

                     Chase Manhattan Auto Owner Trust 2004-A
                         Statement to Certificateholders
                                February 15, 2005



                                                       DISTRIBUTION IN DOLLARS
          ORIGINAL          BEGINNING                                                                                  ENDING
          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      250,014,965.10    37,036,489.81      302,101.42    37,338,591.23    0.00      0.00      212,978,475.29
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    1,163,014,965.00    37,036,489.81    2,158,176.42    39,194,666.23    0.00      0.00    1,125,978,475.29



                                    FACTOR INFORMATION PER $1000 OF ORIGINAL FACE                                     PASS-THRU RATE
                                                                                                                      CURRENT
                        BEGINNING                                                        ENDING                       PASS-THRU
CLASS        CUSIP      PRINCIPAL          PRINCIPAL        INTEREST      TOTAL          PRINCIPAL         CLASS      RATE
                                                                                               
A1           161581DG5      0.00000000      0.00000000      0.00000000      0.00000000      0.00000000         A1      1.080000%
A2           161581DH3    661.41525159     97.98013177      0.79921011     98.77934188    563.43511981         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                    726.88435319     23.14780613      1.34886026     24.49666639    703.73654706


           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
                                February 15, 2005
                         STATEMENT TO CERTIFICATEHOLDERS


                                                                                                          
                                Due Period                                                                                       11
                                Due Period Beginning Date                                                                  01/01/05
                                Due Period End Date                                                                        01/31/05
                                Determination Date                                                                         02/10/05

Section 5.8(iii)                Servicing Fee                                                                            969,179.14
Section 5.8(iii)                Servicing Fee per $1000                                                                  0.60573696

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                                   1,125,978,475.29

Section 5.8(vii)                Repurchase Amounts for Repurchased Receivable
                                By Seller                                                                                      0.00
                                By Servicer                                                                               35,163.63
                                TOTAL                                                                                     35,163.63

Section 5.8(viii)               Realized Net Losses for Collection Period                                                403,363.77

Section 5.8(ix)                 Reserve Account Balance after Disbursement                                            25,334,515.69

Section 5.8(x)                  Specified Reserve Account Balance                                                     25,334,515.69

Section 5.8(xi)                 Yield Supplement Account Balance                                                       4,560,979.44

Section 5.8(xii)                Total Distribution Amount                                                             42,328,532.61
                                Servicing Fee                                                                            969,179.14
                                Administration Fee                                                                         1,000.00
                                Noteholders Distribution Amount                                                       39,108,666.23
                                Certficateholders Distribution Amount                                                     86,000.00
                                Deposit to Reserve Account                                                             2,163,687.24



         Copyright (C)2001 J.P. Morgan Chase & Co. All rights reserved.