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.