<TABLE>



------------------------------------------------------------------------------------------------------------------------------------
                                                         CHASE MANHATTAN AUTO OWNER TRUST
                                                                  SERIES 1996-C
                                                         STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 25                                                                                                                   PAGE # 1
DETERMINATION: 08-Jan-99                                                                                           Beginning 12/1/98
DISTRIBUTION: 15-Jan-99                                                                                              Ending 12/31/98
TIME: 2/2/99 9:57
                                                                        CLASS A-1 5.489% MONEY MARKET ASSET BACKED NOTES
                                                                        CLASS A-2 5.750% ASSET BACKED NOTES
                                                                        CLASS A-3 5.950% ASSET BACKED NOTES
                                                                        CLASS A-4 6.150% ASSET BACKED NOTES
                                                                        CLASS B-1 6.250% ASSET BACKED CERTIFICATES


                        ORIG PRINCIPAL        BEG PRINCIPAL           PRINCIPAL        INTEREST          TOTAL        END PRINCIPAL
         CLASS              BALANCE              BALANCE            DISTRIBUTION     DISTRIBUTION    DISTRIBUTION         BALANCE
------------------------------------------------------------------------------------------------------------------------------------
<S>            <C>                     <C>                 <C>                 <C>                <C>              <C>            
    A-1 Notes          $225,000,000.00              $0.00               $0.00              $0.00            $0.00             $0.00

    A-2 Notes          $239,000,000.00              $0.00               $0.00              $0.00            $0.00             $0.00
 
    A-3 Notes          $324,000,000.00    $200,682,138.50      $19,506,889.26        $995,048.94   $20,501,938.20   $181,175,249.24

    A-4 Notes          $178,000,000.00    $178,000,000.00               $0.00        $912,250.00      $912,250.00   $178,000,000.00
------------------------------------------------------------------------------------------------------------------------------------
NOTES TOTALS           $966,000,000.00    $378,682,138.50      $19,506,889.26      $1,907,298.94   $21,414,188.20   $359,175,249.24
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
       B-1              $30,938,845.63     $19,347,665.34         $624,059.41        $100,769.09      $724,828.50    $18,723,605.93
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
CERTIFICATE TOTALS      $30,938,845.63     $19,347,665.34         $624,059.41        $100,769.09      $724,828.50    $18,723,605.93
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
      TOTALS           $996,938,845.63    $398,029,803.84      $20,130,948.67      $2,008,068.03   $22,139,016.70   $377,898,855.17
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
</TABLE>



                                         FACTOR   INFORMATION   PER   $1,000


                                 PRINCIPAL      INTEREST          END PRINCIPAL
         CLASS                 DISTRIBUTION    DISTRIBUTION          BALANCE
--------------------------------------------------------------------------------
           A-1                  0.00000000      0.00000000          0.00000000
                                                          ----------------------
                                                          ----------------------

                                                          ----------------------
                         -------------------------------------------------------
           A-2                  0.00000000      0.00000000          0.00000000
                                                          ----------------------
                                                          ----------------------

                                                          ----------------------
                         -------------------------------------------------------
           A-3                 60.20644833      3.07113870       559.18286802
                                                          ----------------------
                                                          ----------------------

                                                          ----------------------
                         -------------------------------------------------------
           A-4                  0.00000000      5.12500000     1,000.00000000
                                                          ----------------------
                                                          ----------------------

                                                          ----------------------
--------------------------------------------------------------------------------
      Notes Totals             20.19346714      1.97442954       371.81702820
-------------------------                                 ----------------------
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
          B-1                  20.17073996      3.25704104       605.18114198
-------------------------                                 ----------------------
--------------------------------------------------------------------------------
   Certificate Totals          20.17073996      3.25704104        605.18114198
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
         TOTALS                20.19276183      2.01423391        379.05921394
--------------------------------------------------------------------------------



(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
--------------------------------------------------------------------------------
<TABLE>

------------------------------------------------------------------------------------------------------------------------------------
                                               CHASE MANHATTAN AUTO OWNER TRUST
                                                         SERIES 1996-C
                                                STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------

PERIOD 25                                                                                                          PAGE     # 2
DETERMINATION: 8-Jan-99                                                                                            Beginning 12/1/98
DISTRIBUTION: 15-Jan-99                                                                                            Ending 12/31/98
TIME: 2/2/99 9:57



                                                                                                                        per $1000
<S>                <C>                                                                      <C>                        <C>      
Section 5.8 (iii)   Servicing Fee                                                                    $331,691.50          .33270998


Section 5.8 (iv)    Administration Fee                                                                 $1,000.00          .00100307


Section 5.8 (vi)    Pool Balance at the end of the Collection Period                             $377,898,855.17


Section 5.8 (vii)   Repurchase Amounts for Repurchased Receivable
                                             By Seller                                                     $0.00
                                             By Servicer                                             $185,384.78
                                             TOTAL                                                   $185,384.78

Section 5.8 (viii)  Realized Net Losses for Collection Period                                        $275,862.70


Section 5.8 (ix)    Reserve Account Balance after Disbursement                                    $11,336,965.66


Section 5.8 (x)     Specified Reserve Account Balance                                             $11,336,965.66


Section 5.8 (xi)    Total Distribution Amount                                                     $22,765,983.27

                                             Servicing Fee                                           $331,691.50
                                             Administrative Fee                                        $1,000.00
                                             Noteholders' Distribution Amount                     $21,414,188.20
                                             Certificateholders' Distribution Amount                 $724,828.50
                                             Deposit to Reserve Account                              $294,275.07









Section 5.8 (xii)   Noteholders' Distributable Amount


--------------------------------------------------------------------------------------------------------------------------------
  Class     Principal         Interest          Total       Prin (per $1000/orig)  Int (per $1000/orig)   Total (per $1000/orig)
--------------------------------------------------------------------------------------------------------------------------------
<S>    <C>             <C>             <C>               <C>                <C>                     <C>                  
   A-1           $0.00           $0.00             $0.00         0.00000000              0.00000000            0.00000000
   A-2           $0.00           $0.00             $0.00         0.00000000              0.00000000            0.00000000
   A-3  $19,506,889.26     $995,048.94    $20,501,938.20        60.20644833              3.07113870           63.27758704
   A-4           $0.00     $912,250.00       $912,250.00         0.00000000              5.12500000            5.12500000
--------------------------------------------------------------------------------------------------------------------------------
  Total $19,506,889.26   $1,907,298.94    $21,414,188.20        20.19346714              1.97442954           22.16789669
--------------------------------------------------------------------------------------------------------------------------------



Section 5.8 (xiii)  Certificateholders' Distributable Amount


----------------------------------------------------------------------------------------------------------------------------------
Class       Principal          Interest        Total          Prin (per $1000/orig)  Int (per $1000/orig)   Total (per $1000/orig)
----------------------------------------------------------------------------------------------------------------------------------
<S>      <C>              <C>             <C>                   <C>                      <C>                  <C>        
 B-1       $624,059.41      $100,769.09     $724,828.50           20.17073996              3.25704104           23.42778101
----------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------
Total      $624,059.41      $100,769.09     $724,828.50           20.17073996              3.25704104           23.42778101
----------------------------------------------------------------------------------------------------------------------------------


Section 5.8 (xiv)   Reserve Account Transfer Amount                                                  $294,275.07







(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>