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                                                CHASE MANHATTAN AUTO OWNER TRUST
                                                         SERIES 1996-C
                                                STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 24                                                                                                                  PAGE # 1
DETERMINATION: 10-Dec-98                                                                                           Beginning 11/1/98
DISTRIBUTION: 15-Dec-98                                                                                              Ending 11/30/98
TIME: 1/5/99 15:51
                                                  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      $220,173,918.61   $19,491,780.11    $1,091,695.68    $20,583,475.79        $200,682,138.50

       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      $398,173,918.61   $19,491,780.11    $2,003,945.68    $21,495,725.79        $378,682,138.50
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       B-1          $30,938,845.63       $19,971,241.38      $623,576.04      $104,016.88       $727,592.92         $19,347,665.34
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CERTIFICATE
    TOTALS          $30,938,845.63       $19,971,241.38      $623,576.04      $104,016.88       $727,592.92         $19,347,665.34
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         TOTALS    $996,938,845.63      $418,145,159.99   $20,115,356.15    $2,107,962.56    $22,223,318.71        $398,029,803.84
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                                             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                   60.15981515       3.36943111          619.38931636
                                                               -----------------
                    ------------------------------------------------------------
      A-4                    0.00000000       5.12500000        1,000.00000000
                                                               -----------------
--------------------------------------------------------------------------------
 Notes Totals               20.17782620       2.07447793          392.01049534
--------------------                                           -----------------

--------------------------------------------------------------------------------
      B-1                   20.15511656       3.36201555          625.35188195
-------------------------                                      -----------------
--------------------------------------------------------------------------------
   Certificate Totals       20.15511656       3.36201555          625.35188195
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
         TOTALS             20.17712143       2.11443517          399.25197577
--------------------------------------------------------------------------------



(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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                                     CHASE MANHATTAN AUTO OWNER TRUST
                                               SERIES 1996-C
                                      STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------

                        PERIOD 24                                                                                      PAGE     # 2
                DETERMINATION: 10-Dec-98                                                                           Beginning 11/1/98
                 DISTRIBUTION: 15-Dec-98                                                                             Ending 11/30/98
                         TIME: 1/5/99 15:51



                                                                                                                          per $1000
<S>               <C>                                                                      <C>                 <C>      
Section 5.8 (iii)              Servicing Fee                                                          $348,454.30         .34952425


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


Section 5.8 (vi)               Pool Balance at the end of the Collection Period                   $398,029,803.84


Section 5.8 (vii)              Repurchase Amounts for Repurchased Receivable
                                                        By Seller                                           $0.00
                                                        By Servicer                                   $146,823.39
                                                        TOTAL                                         $146,823.39

Section 5.8 (viii)             Realized Net Losses for Collection Period                              $242,488.25


Section 5.8 (ix)               Reserve Account Balance after Disbursement                          $11,940,894.12


Section 5.8 (x)                Specified Reserve Account Balance                                   $11,940,894.12


Section 5.8 (xi)               Total Distribution Amount                                           $23,155,071.71

                                                        Servicing Fee                                 $348,454.30
                                                        Administrative Fee                              $1,000.00
                                                        Noteholders' Distribution Amount           $21,495,725.79
                                                        Certificateholders' Distribution Amount       $727,592.92
                                                        Deposit to Reserve Account                    $582,298.70









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  $19,491,780.11  $1,091,695.68   $20,583,475.79        60.15981515              3.36943111           63.52924627
        A-4           $0.00    $912,250.00      $912,250.00         0.00000000              5.12500000            5.12500000
      ------------------------------------------------------------------------------------------------------------------------------
       Total $19,491,780.11  $2,003,945.68   $21,495,725.79        20.17782620              2.07447793           22.25230413
      ------------------------------------------------------------------------------------------------------------------------------







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    $623,576.04       $104,016.88     $727,592.92           20.15511656              3.36201555           23.51713211
    --------------------------------------------------------------------------------------------------------------------------------
    --------------------------------------------------------------------------------------------------------------------------------
    Total   $623,576.04       $104,016.88     $727,592.92           20.15511656              3.36201555           23.51713211
    --------------------------------------------------------------------------------------------------------------------------------


Section 5.8 (xiv)              Reserve Account Transfer Amount                          $582,298.70











(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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