Page 1

                     Chase Manhattan Auto Owner Trust 2004-A
                         Statement to Certificateholders
                                February 15, 2006



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                                                         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              0.00              0.00           0.00             0.00     0.00       0.00               0.00
A3         462,000,000.00    288,195,191.41     30,896,993.31     499,538.33    31,396,531.64     0.00       0.00     257,298,198.10
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     32,036,434.88      1,415,669.80      68,878.33     1,484,548.13     0.00       0.00      30,620,765.08
- ------------------------------------------------------------------------------------------------------------------------------------
TOTALS   1,600,000,000.00    731,231,626.29     32,312,663.11   1,537,691.66    33,850,354.77     0.00       0.00     698,918,963.18
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- ------------------------------------------------------------------------------------------------------------------------------------
                                   FACTOR INFORMATION PER $1000 OF ORIGINAL FACE                                  PASS-THROUGH RATES
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                                                                                                                           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         0.00000000     0.00000000        0.00000000        0.00000000        0.00000000    A2        1.450000 %
A3         161581DJ9       623.79911561    66.87660890        1.08125180       67.95786069      556.92250671    A3        2.080000 %
A4         161581DK6     1,000.00000000     0.00000000        2.35833333        2.35833333    1,000.00000000    A4        2.830000 %
CERT       161581DL4       800.91087200    35.39174500        1.72195825       37.11370325      765.51912700    CERT      2.580000 %
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TOTALS                     457.01976643    20.19541444        0.96105729       21.15647173      436.82435199
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          IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT,
                 PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW:
                                  Amy D Skinner
             JPMorgan Chase Bank, N.A. - Structured Finance Services
                           600 Travis St., 9th Floor,
                              Houston, Texas 77002
                    Tel: (713) 216-3682 / Fax: (713) 216-4880
                         Email: Amy.D.Skinner@chase.com

                     Copyright 2005 J.P. Morgan Chase & Co. All rights reserved.


                                                                          Page 2

                     Chase Manhattan Auto Owner Trust 2004-A
                                February 15, 2006

                         STATEMENT TO CERTIFICATEHOLDERS


                                                                                                                 
                                              Due Period                                                                         23
                                              Due Period Beginning Date                                                    01/01/06
                                              Due Period End Date                                                          01/31/06
                                              Determination Date                                                           02/10/06

Section 5.8(iii)        Servicing Fee                                                                                    609,359.69
Section 5.8(iii)        Servicing Fee per $1000                                                                          0.38084981

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                                             698,918,963.18

Section 5.8(vii)        Repurchase Amounts for Repurchased Receivable
                        By Seller                                                                                              0.00
                        By Servicer                                                                                       66,485.94
                        TOTAL                                                                                             66,485.94

Section 5.8(viii)       Realized Net Losses for Collection Period                                                        322,638.05

Section 5.8(ix)         Reserve Account Balance after Disbursement                                                    15,725,676.67

Section 5.8(x)          Specified Reserve Account Balance                                                             15,725,676.67

Section 5.8(xi)         Yield Supplement Account Balance                                                               2,239,571.92

Section 5.8(xii)        Total Distribution Amount                                                                     35,633,269.50
                        Servicing Fee                                                                                    609,359.69
                        Administration Fee                                                                                 1,000.00
                        Noteholders Distribution Amount                                                               32,365,806.64
                        Certficateholders Distribution Amount                                                          1,484,548.13
                        Deposit to Reserve Account                                                                     1,172,555.04


                      Copyright 2005 J.P.Morgan Chase & Co. All rights reserved.