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                                                               CHASE MANHATTAN AUTO OWNER TRUST
                                                                        SERIES 1998-A
                                                               STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 12                                                                                                                  PAGE # 1
DETERMINATION: 10-Feb-99                                                                                            Beginning 1/1/99
DISTRIBUTION: 16-Feb-99                                                                                             Ending 1/31/99
TIME: 3/10/99 16:58
                                                           CLASS A-1 5.549% MONEY MARKET ASSET BACKED NOTES
                                                           CLASS A-2 5.679% ASSET BACKED NOTES
                                                           CLASS A-3 5.700% ASSET BACKED NOTES
                                                           CLASS A-4 5.800% ASSET BACKED NOTES
                                                           CLASS B-1 6.000% 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         $238,000,000.00                 $0.00            $0.00             $0.00             $0.00              $0.00
    A-2 Notes         $204,000,000.00       $126,271,224.76   $25,349,128.29       $597,578.57    $25,946,706.86    $100,922,096.47
    A-3 Notes         $294,000,000.00       $294,000,000.00            $0.00     $1,396,500.00     $1,396,500.00    $294,000,000.00
    A-4 Notes         $246,000,000.00       $246,000,000.00            $0.00     $1,189,000.00     $1,189,000.00    $246,000,000.00
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    NOTE TOTALS       $982,000,000.00       $666,271,224.76   $25,349,128.29     $3,183,078.57    $28,532,206.86    $640,922,096.47
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       B-1             $30,620,164.79        $30,620,164.79            $0.00       $153,100.82       $153,100.82     $30,620,164.79
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CERTIFICATE TOTALS     $30,620,164.79        $30,620,164.79            $0.00       $153,100.82       $153,100.82     $30,620,164.79
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      TOTALS        $1,012,620,164.79       $696,891,389.55   $25,349,128.29     $3,336,179.39    $28,685,307.68    $671,542,261.26
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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             124.26043279            2.92930672           494.71615917
                                                                    ------------
                                                                    ------------
     A-3               0.00000000            4.75000000         1,000.00000000
                                                                    ------------
                                                                    ------------
     A-4               0.00000000            4.83333333         1,000.00000000
                                                                    ------------
                                                                    ------------
--------------------------------------------------------------------------------
Notes Totals          25.81377626            3.24142421           652.67015934
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
    B-1                0.00000000            4.99999987         1,000.00000000
------------------------------------------
--------------------------------------------------------------------------------
Certificate Totals     0.00000000            4.99999987         1,000.00000000
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
          TOTALS      25.03320512            3.29460098           663.17290985
--------------------------------------------------------------------------------
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                                          CHASE MANHATTAN AUTO OWNER TRUST
                                                   SERIES 1998-A
                                          STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------

PERIOD 12                                                                                                          PAGE     # 2
DETERMINATION: 10-Feb-99                                                                                           Beginning 1/1/99
DISTRIBUTION: 16-Feb-99                                                                                            Ending 1/31/99
TIME: 3/10/99 16:58



                                                                                                                          per $1000
Section 5.8 (iii)            Servicing Fee                                                                 $580,742.82    0.57350509


Section 5.8 (iv)             Administration Fee                                                              $1,000.00    0.00098754


Section 5.8 (vi)             Pool Balance at the end of the Collection Period                          $671,542,261.26


Section 5.8 (vii)            Repurchase Amounts for Repurchased Receivable
                                                 By Seller                                                       $0.00
                                                 By Servicer                                                $64,484.09
                                                 TOTAL                                                      $64,484.09

Section 5.8 (viii)           Realized Net Losses for Collection Period                                     $353,190.67


Section 5.8 (ix)             Reserve Account Balance after Disbursement                                 $20,146,267.84


Section 5.8 (x)              Specified Reserve Account Balance                                          $20,146,267.84


Section 5.8 (xi)             Total Distribution Amount                                                  $30,477,861.65

                                                 Servicing Fee                                             $580,742.82
                                                 Administrative Fee                                          $1,000.00
                                                 Noteholders' Distribution Amount                       $28,532,206.86
                                                 Certificateholders' Distribution Amount                  $ 153,100.82
                                                 Deposit to Reserve Account                              $1,210,811.15









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   25,349,128.29        $597,578.57     $25,946,706.86          124.26043279          2.92930672          127.18973951
   A-3           $0.00      $1,396,500.00      $1,396,500.00            0.00000000          4.75000000            4.75000000
   A-4           $0.00      $1,189,000.00      $1,189,000.00            0.00000000          4.83333333            4.83333333
 -----------------------------------------------------------------------------------------------------------------------------------
  Total $25,349,128.29      $3,183,078.57     $28,532,206.86           25.81377626          3.24142421           29.05520047
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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            $0.00     $153,100.82        $153,100.82             0.00000000          4.99999987           4.99999987
 -----------------------------------------------------------------------------------------------------------------------------------
 -----------------------------------------------------------------------------------------------------------------------------------
  Total           $0.00     $153,100.82        $153,100.82             0.00000000          4.99999987           4.99999987
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Section 5.8 (xiv)            Reserve Fund Transfer Amount                                               $ 1,210,811.15











(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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