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                                              CHASE MANHATTAN AUTO OWNER TRUST
                                                       SERIES 1998-B
                                              STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 10                                                                                                           PAGE # 1
DETERMINATION: 10-Feb-99                                                                                            Beginning 1/1/99
DISTRIBUTION: 16-Feb-99                                                                                            Ending 1/31/99
TIME: 3/10/99 17:24
                                                                           CLASS A-1 5.578% MONEY MARKET ASSET BACKED NOTES
                                                                           CLASS A-2 5.729% ASSET BACKED NOTES
                                                                           CLASS A-3 5.750% ASSET BACKED NOTES
                                                                           CLASS A-4 5.800% ASSET BACKED NOTES
                                                                           CLASS B-1 6.050% 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          $250,000,000.00             $0.00             $0.00            $0.00             $0.00                $0.00
     A-2 Notes          $200,000,000.00   $171,270,934.90    $26,421,446.62      $817,675.99    $27,239,122.61      $144,849,488.28
     A-3 Notes          $321,000,000.00   $321,000,000.00             $0.00    $1,538,125.00     $1,538,125.00      $321,000,000.00
     A-4 Notes          $282,800,000.00   $282,800,000.00             $0.00    $1,366,866.67     $1,366,866.67      $282,800,000.00
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     NOTE TOTALS      $1,053,800,000.00   $775,070,934.90    $26,421,446.62    $3,722,667.66    $30,144,114.28      $748,649,488.28
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        B-1              $32,604,142.65    $32,604,142.65             $0.00      $164,379.22       $164,379.22       $32,604,142.65
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 CERTIFICATE TOTALS      $32,604,142.65    $32,604,142.65             $0.00      $164,379.22       $164,379.22       $32,604,142.65
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       TOTALS         $1,086,404,142.65   $807,675,077.55    $26,421,446.62    $3,887,046.88    $30,308,493.50      $781,253,630.93
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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             132.10723310          4.08837995           724.24744140
                                                         -----------------------
        A-3               0.00000000          4.79166667         1,000.00000000
                                                         -----------------------
        A-4               0.00000000          4.83333335         1,000.00000000
                                                         -----------------------
--------------------------------------------------------------------------------
   Notes Totals          25.07254377          3.53261308           710.42843830
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
       B-1                0.00000000          5.04166669         1,000.00000000
--------------------                                     -----------------------
--------------------------------------------------------------------------------
Certificate Totals        0.00000000          5.04166669         1,000.00000000
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
      TOTALS             24.32009009          3.57790138           719.11878854
--------------------------------------------------------------------------------



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                                                    CHASE MANHATTAN AUTO OWNER TRUST
                                                              SERIES 1998-B
                                                     STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------

PERIOD 10                                                                                                           PAGE     # 2
DETERMINATION: 10-Feb-99                                                                                            Beginning 1/1/99
DISTRIBUTION: 16-Feb-99                                                                                             Ending 1/31/99
TIME: 3/10/99 17:24



                                                                                                                          per $1000
Section 5.8 (iii)                   Servicing Fee                                                      $673,062.56       0.61953239


Section 5.8 (iv)                    Administration Fee                                                   $1,000.00       0.00092047


Section 5.8 (vi)                    Pool Balance at the end of the Collection Period               $781,253,630.93


Section 5.8 (vii)                   Repurchase Amounts for Repurchased Receivable
                                                         By Seller                                           $0.00
                                                         By Servicer                                    $37,412.09
                                                         TOTAL                                          $37,412.09

Section 5.8 (viii)                  Realized Net Losses for Collection Period                          $275,019.20


Section 5.8 (ix)                    Reserve Account Balance after Disbursement                      $23,437,608.93


Section 5.8 (x)                     Specified Reserve Account Balance                               $23,437,608.93


Section 5.8 (xi)                    Total Distribution Amount                                       $32,307,947.59

                                                         Servicing Fee                                 $673,062.56
                                                         Administrative Fee                              $1,000.00
                                                         Noteholders' Distribution Amount           $30,144,114.28
                                                         Certificateholders' Distribution Amount      $ 164,379.22
                                                         Deposit to Reserve Account                  $1,325,391.53









Section 5.8 (xii)                   Noteholders' Distributable Amount


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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     $26,421,446.62        $817,675.99   $27,239,122.61         132.10723310          4.08837995            136.19561305
 A-3              $0.00      $1,538,125.00    $1,538,125.00           0.00000000          4.79166667              4.79166667
 A-4              $0.00      $1,366,866.67    $1,366,866.67           0.00000000          4.83333335              4.83333335
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Total    $26,421,446.62      $3,722,667.66   $30,144,114.28          25.07254377          3.53261308             28.60515684
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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>               <C>       
  B-1            $0.00        $164,379.22     $164,379.22            0.00000000          5.04166669         5.04166669
---------------------------------------------------------------------------------------------------------------------------------
---------------------------------------------------------------------------------------------------------------------------------
 Total           $0.00        $164,379.22     $164,379.22            0.00000000          5.04166669         5.04166669
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Section 5.8 (xiv)                   Reserve Fund Transfer Amount                                    $ 1,325,391.53











(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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