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                                              CHASE MANHATTAN AUTO OWNER TRUST
                                                       SERIES 1996-C
                                              STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
        PERIOD 23                                                                                                           PAGE # 1
DETERMINATION: 10-Nov-98                                                                                           Beginning 10/1/98
 DISTRIBUTION: 16-Nov-98                                                                                             Ending 10/31/98
         TIME: 11/25/98 12:42
                                                    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
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     <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      $239,387,639.58   $19,213,720.97    $1,186,963.71     $20,400,684.68       $220,173,918.61
       A-4 Notes     $178,000,000.00      $178,000,000.00            $0.00      $912,250.00        $912,250.00       $178,000,000.00
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NOTES TOTALS         $966,000,000.00      $417,387,639.58   $19,213,720.97    $2,099,213.71     $21,312,934.68       $398,173,918.61
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          B-1         $30,938,845.63       $20,585,921.82      $614,680.44      $107,218.34        $721,898.78        $19,971,241.38
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CERTIFICATE TOTALS    $30,938,845.63       $20,585,921.82      $614,680.44      $107,218.34        $721,898.78        $19,971,241.38
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         TOTALS      $996,938,845.63      $437,973,561.40   $19,828,401.41    $2,206,432.05     $22,034,833.46       $418,145,159.99
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                                             FACTOR   INFORMATION   PER   $1,000


                                 PRINCIPAL               INTEREST           END PRINCIPAL
         CLASS                 DISTRIBUTION            DISTRIBUTION            BALANCE
----------------------------------------------------------------------------------------------
        <S>          <C>                           <C>                   <C>            
           A-1                          0.00000000           0.00000000            0.00000000
                                                                        ----------------------
                                                                        ----------------------

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

                                                                        ----------------------
                         ---------------------------------------------------------------------
           A-3                         59.30160793           3.66346824          679.54913151
                                                                        ----------------------
                                                                        ----------------------

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

                                                                        ----------------------
----------------------------------------------------------------------------------------------
      Notes Totals                     19.88998030           2.17309908          412.18832154
-------------------------                                               ----------------------
----------------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------------
                         ---------------------------------------------------------------------
          B-1                          19.86759452           3.46549258          645.50699851
-------------------------                                               ----------------------
----------------------------------------------------------------------------------------------
   Certificate Totals                  19.86759452           3.46549258          645.50699851
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
         TOTALS                        19.88928558           2.21320702          419.42909720
----------------------------------------------------------------------------------------------


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

                PERIOD 23                                                                                          PAGE     # 2
        DETERMINATION: 10-Nov-98                                                                                   Beginning 10/1/98
         DISTRIBUTION: 16-Nov-98                                                                                   Ending 10/31/98
                 TIME: 11/25/98 12:42



                                                                                                                         per $1000
Section 5.8 (iii)              Servicing Fee                                                        $364,977.97           .36609865


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


Section 5.8 (vi)               Pool Balance at the end of the Collection Period                 $418,145,159.99


Section 5.8 (vii)              Repurchase Amounts for Repurchased Receivable
                                                        By Seller                                         $0.00
                                                        By Servicer                                 $168,156.89
                                                        TOTAL                                       $168,156.89

Section 5.8 (viii)             Realized Net Losses for Collection Period                            $347,834.01


Section 5.8 (ix)               Reserve Account Balance after Disbursement                        $12,544,354.80


Section 5.8 (x)                Specified Reserve Account Balance                                 $12,544,354.80


Section 5.8 (xi)               Total Distribution Amount                                         $22,937,218.88

                                                        Servicing Fee                               $364,977.97
                                                        Administrative Fee                            $1,000.00
                                                        Noteholders' Distribution Amount         $21,312,934.68
                                                        Certificateholders' Distribution Amount     $721,898.78
                                                        Deposit to Reserve Account                  $536,407.45









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>                   <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   $19,213,720.97    $1,186,963.71     $20,400,684.68     59.30160793              3.66346824           62.96507617
    A-4            $0.00      $912,250.00        $912,250.00      0.00000000              5.12500000            5.12500000
  ------------------------------------------------------------------------------------------------------------------------------
   Total  $19,213,720.97    $2,099,213.71     $21,312,934.68     19.88998030              2.17309908           22.06307938
  ------------------------------------------------------------------------------------------------------------------------------







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        $614,680.44      $107,218.34      $721,898.78           19.86759452              3.46549258           23.33308710
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
Total       $614,680.44      $107,218.34      $721,898.78           19.86759452              3.46549258           23.33308710
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Section 5.8 (xiv)              Reserve Account Transfer Amount                                      $536,407.45











(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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