Document:

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                                                                     Exhibit 4.1

                             CERTIFICATE OF TRUST OF
                     Chase Manhattan Auto Owner Trust 2004-A

         This Certificate of Trust of Chase Manhattan Auto Owner Trust 2004-A
(the "Trust") is being duly executed and filed by Wilmington Trust Company, a
Delaware banking corporation, as trustee, to form a statutory trust under the
Delaware Statutory Trust Act (12 Del. C. ss.3801 et seq.) (the "Act").

         1. Name. The name of the statutory trust formed hereby is Chase
Manhattan Auto Owner Trust 2004-A.

         2. Delaware Trustee. The name and business address of the trustee of
the Trust in the State of Delaware is Wilmington Trust Company, Rodney Square
North, 1000 North Market Street, Wilmington, Delaware 19890-0001, Attn:
Corporate Trust Administration.

         3. Effective Date. This Certificate of Trust shall be effective upon
filing.

         IN WITNESS WHEREOF, the undersigned has duly executed this certificate
in accordance with the Act.

                                     WILMINGTON TRUST COMPANY, not in
                                     its individual capacity but
                                     solely as trustee of the Trust

                                      By:   /s/ Kathleen A. Pedelini
                                          ---------------------------------
                                            Name: Kathleen A. Pedelini
                                            Title:  Financial Services Officer<PAGE>

                                                                     Exhibit 4.2

         TRUST AGREEMENT, dated as of February 13, 2004, between Chase Manhattan
Bank USA, National Association, as seller (the "Seller") and Wilmington Trust
Company, a Delaware banking corporation, not in its individual capacity but
solely as owner trustee (the "Owner Trustee"). The Seller and the Owner Trustee
hereby agree as follows:

         1. The trust created hereby shall be known as "Chase Manhattan Auto
Owner Trust 2004-A", in which name the Owner Trustee may engage in the
transactions contemplated hereby, make and execute contracts, and sue and be
sued.

         2. The Seller hereby assigns, transfers, conveys and sets over to the
Owner Trustee the sum of $1. The Owner Trustee hereby acknowledges receipt of
such amount in trust from the Seller, which amount shall constitute the initial
trust estate. The Owner Trustee hereby declares that it will hold the trust
estate in trust for the Seller. It is the intention of the parties hereto that
the Trust created hereby constitute a statutory trust under Chapter 38 of Title
12 of the Delaware Code, 12 Del. C. ss.3801 et seq., and that this document
constitutes the governing instrument of the Trust. The Owner Trustee is hereby
authorized and directed to execute and file a certificate of trust with the
Delaware Secretary of State in the form attached hereto.

         3. The Seller and the Owner Trustee will enter into an amended and
restated Trust Agreement, satisfactory to each such party, to provide for the
contemplated operation of the Trust created hereby. Prior to the execution and
delivery of such amended and restated Trust Agreement, the Owner Trustee shall
not have any duty or obligation hereunder or with respect to the trust estate,
except upon the written direction of the Seller to take such action as
determined by the Seller to be necessary to obtain prior to such execution and
delivery any licenses, consents or approvals required by applicable law or
otherwise.

         4. This Trust Agreement may be executed in one or more counterparts.

         5. The Owner Trustee may resign upon thirty days prior notice to the
Seller.

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         IN WITNESS WHEREOF, the parties hereto have caused this Trust Agreement
to be duly executed by their respective officers hereunto duly authorized, as of
the day and year first above written.

                                CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION,
                                as Seller

                                By:  /s/Andrew T. Semmelman
                                    -------------------------------
                                       Name: Andrew T. Semmelman
                                       Title:   Senior Vice President

                                WILMINGTON TRUST COMPANY, as Owner Trustee

                                By:  /s/ Kathleen A. Pedelini
                                    ---------------------------------
                                    Name: Kathleen A. Pedelini
                                    Title:  Financial Services OfficerEXHIBIT 10(B)(1)

                         TRANSAMERICA INDEX FUNDS, INC.

      Code of Ethics for Principal Executive and Senior Financial Officers

                       Approved by the Board of Directors
                             as of December 2, 2003

In accordance with the Sarbanes-Oxley Act of 2002 ("Act") and the rules
promulgated thereunder by the U.S. Securities and Exchange Commission ("SEC"),
Transamerica Index Funds, Inc. (the "Fund") is required to file reports pursuant
to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, and must
disclose whether it has adopted a code of ethics that is applicable to certain
specified senior officers and that addresses certain matters specified in the
Act and related SEC Rules (a "Sarbanes-Oxley Code"). The Fund's Board of
Directors ("Board"), including a majority of the Directors that are not
interested persons of the Fund, as defined in Section 2(a)(19) of the Investment
Company Act of 1940 ("Investment Company Act"), has approved the Fund's
Sarbanes-Oxley Code.

I.   Covered Officers/Purpose of the Code

This Code of Ethics ("Code") of the Fund applies to the Fund's principal
executive officer, chief financial officer and chief accounting officer, or
persons performing similar functions ("Covered Officers," each of whom is set
forth in Exhibit A), for the purpose of promoting:

  o  honest and ethical conduct, including the ethical handling of actual or
     apparent conflicts of interest between personal and professional
     relationships;

  o  full, fair, accurate, timely and understandable disclosure in reports and
     documents that a registrant files with, or submits to, the SEC and in other
     public communications made by the Fund;

  o  compliance with applicable laws and governmental rules and regulations;

  o  the prompt internal reporting of violations of the Code to an appropriate
     person or persons identified in the Code; and

  o  accountability for adherence to the Code.

II.  Covered Officers Should Handle Ethically Actual and Apparent Conflicts of
     Interest

General policy: Each Covered Officer should adhere to a high standard of
business ethics and should be sensitive to situations that may give rise to
actual as well as apparent conflicts of interest. Each Covered Officer has a
duty to exercise his or her authority and responsibility for the benefit of the
Fund and its shareholders, to place the interests of the Fund and its
shareholders first, and to refrain from having outside interests that conflict
with the interests of the Fund and its shareholders. Each Covered Officer must
avoid any circumstances that might adversely affect, or appear to affect, his or
her duty of loyalty to the Fund and its shareholders in discharging his or her
responsibilities, including the protection of confidential information and
corporate integrity.

A "conflict of interest" occurs when a Covered Officer's private interest
interferes with the interests of, or his or her service to, the Fund. For
example, a conflict of interest would arise if a Covered Officer receives
improper personal benefits as a result of his or her position with the Fund.

Certain conflicts of interest may arise out of the relationships between Covered
Officers and the Fund and already are subject to conflict of interest provisions
in the Investment Company Act and the Investment Advisers Act of 1940
("Investment Advisers Act"). For example, Covered Officers may not individually
engage in certain transactions (such as the purchase or sale of securities or
other property) with the Fund because of their status as "affiliated persons" of
the Fund. The Fund's and certain of its service providers' compliance programs
and procedures are designed to prevent, or identify and correct, violations of
these provisions. This Code does not, and is not intended to, repeat or replace
these programs and procedures, and such conflicts fall outside the parameters of
this Code.

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Although typically not presenting an opportunity for improper personal benefit,
conflicts may arise from, or as a result of, the contractual relationship
between the Fund and its investment adviser, AEGON/Transamerica Fund Advisers,
Inc. ("ATFA"), of which the Covered Officers may be officers or employees. As a
result, this Code recognizes that the Covered Officers will, in the normal
course of their duties (whether for the Fund or ATFA), be involved in
establishing policies and implementing decisions that will have different
effects on ATFA and the Fund. The participation of the Covered Officers in such
activities is inherent in the contractual relationships between the Fund and
ATFA and is consistent with the performance by the Covered Officers of their
duties as officers of the Fund. Thus, if performed in conformity with the
provisions of the Investment Company Act and the Investment Advisers Act, such
activities normally will be deemed to have been handled ethically. In addition,
it is recognized by the Board that the Covered Officers may also be officers or
employees of one or more other investment companies covered by this or other
codes of ethics.

Other conflicts of interest are covered by the Code, even if such conflicts of
interest are not subject to provisions in the Investment Company Act and the
Investment Advisers Act. The following list provides examples of conflicts of
interest under the Code, but Covered Officers should keep in mind that these
examples are not exhaustive. The overarching principle is that the personal
interest of a Covered Officer should not be placed improperly before the
interest of the Fund.

Each Covered Officer must:

  o  not use his or her personal influence or personal relationships improperly
     to influence investment decisions or financial reporting by the Fund
     whereby the Covered Officer would benefit personally to the detriment of
     the Fund;

  o  not cause the Fund to take action, or fail to take action, for the
     individual personal benefit of the Covered Officer rather than the benefit
     of the Fund;

  o  not use material non-public knowledge of portfolio transactions made or
     contemplated for the Fund to trade personally or cause others to trade
     personally in contemplation of the market effect of such transactions; and

  o  report at least annually the information elicited in the Fund's Director
     and Officer Questionnaire relating to potential conflicts of interest.

There are some conflict of interest situations that must be discussed with the
Fund's Compliance Officer if material. Some examples of such situations include:

  o  service as a director on the board of any company (public or private),
     other than a management investment company;

  o  the receipt of any non-nominal gifts from someone or a company that has
     current or prospective business dealings with the Fund;

  o  the receipt of any entertainment from any company with which the Fund has
     current or prospective business dealings unless such entertainment is
     business related, reasonable in cost, appropriate as to time and place, and
     not so frequent as to raise any question of impropriety;

                                      -2-
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  o  any ownership interest in, or any consulting or employment relationship
     with, any of the Fund's service providers, other than ATFA or any
     affiliated person thereof; and

  o  a direct or indirect financial interest in commissions, transaction charges
     or spreads paid by the Fund for effecting portfolio transactions or for
     selling or redeeming shares other than an interest arising from the Covered
     Officer's employment, such as compensation or equity ownership.

III. Disclosure and Compliance

Each Covered Officer:

  o  should familiarize himself or herself with the disclosure requirements
     generally applicable to the Fund;

  o  should not knowingly misrepresent, or cause others to misrepresent, facts
     about the Fund to others, whether within or outside the Fund, including to
     the Directors and auditors, governmental regulators or self-regulatory
     organizations;

  o  should, to the extent appropriate within his or her area of responsibility,
     consult with other officers and employees of the Fund, ATFA, and other
     service providers, with the goal of promoting full, fair, accurate, timely
     and understandable disclosure in the reports and documents the Fund files
     with, or submits to, the SEC and in other public communications made by the
     Fund; and

  o  has the responsibility to promote compliance with the standards and
     restrictions imposed by applicable laws, rules and regulations.

IV.  Reporting and Accountability by Covered Officers

Each Covered Officer must:

  o  upon adoption of the Code (or thereafter as applicable, upon becoming a
     Covered Officer), affirm in writing (in the form attached hereto as Exhibit
     B) to the Board that he or she has received, read, and understands the
     Code;

  o  annually thereafter affirm (in the form attached hereto as Exhibit B) to
     the Board that he or she has complied with the requirements of the Code;

  o  not retaliate against any other Covered Officer or any employee or agent of
     an affiliated person of the Fund for reports of potential violations that
     are made in good faith; and

  o  notify the Fund's Compliance Officer promptly if he or she knows of any
     violation of this Code. Failure to do so is itself a violation of this
     Code.

V.   Enforcement

The Fund's Board has appointed a Compliance Officer to be responsible for
applying this Code to specific situations in which questions are presented under
it, and who has the authority to interpret this Code in any particular
situation. The Compliance Officer is authorized to consult, as appropriate, with
counsel to the Fund. Any approvals or waivers sought by a Covered Officer will
be considered by the Compliance Officer.

The Fund will follow these procedures in investigating and enforcing this Code:

  o  The Compliance Officer will take all appropriate action to investigate any
     potential violations reported to the Compliance Officer;

  o  if, after such investigation, the Compliance Officer believes that no
     violation has occurred, the Compliance Officer is not required to take any
     further action;

                                      -3-
<PAGE>

  o  any matter that the Compliance Officer believes is a material violation
     will be promptly reported to the Board. The Directors shall take such
     actions as they consider appropriate, including imposition of any sanctions
     that they consider appropriate;

  o  no person shall participate in a determination of whether he or she has
     committed a violation of this Code or in the imposition of any sanction
     against himself or herself.

  o  the Compliance Officer will be responsible for granting waivers, as
     appropriate; and

  o  any amendments to or waivers of this Code will, to the extent required, be
     disclosed as provided by SEC rules.

VI.  Other Policies and Procedures

This Code shall be the sole code of ethics adopted by the Fund for purposes of
Section 406 of the Act and the rules and forms applicable to registered
investment companies thereunder. Insofar as other policies or procedures of the
Fund, ATFA or other service providers govern or purport to govern the behavior
or activities of the Covered Officers who are subject to this Code, they are
superseded by this Code to the extent that they overlap or conflict with the
provisions of this Code. The Fund's and ATFA's codes of ethics under Rule 17j-1
of the Investment Company Act and ATFA's more detailed policies and procedures
set forth in the Code of Ethics and Insider Trading Policy are separate
requirements applying to the Covered Officers and others, and are not part of
this Code.

VII. Amendment; Interpretation of Provisions

The Directors may from time to time amend this Code of Ethics or adopt such
interpretations of this Code of Ethics as they deem appropriate. In connection
with any amendment to the Code, a brief description of the amendment will be
prepared so that the necessary disclosure may be made with the next Form N-CSR
to be filed, or otherwise disclosed in accordance with applicable law.

VIII. Confidentiality

All reports and records prepared or maintained pursuant to this Code shall be
treated as confidential and shall not be disclosed to any one other than the
Board, the Covered Officers and Fund counsel, except as otherwise requested by
applicable law.

IX.  Internal Use

The Code is intended solely for the internal use by the Fund and does not
constitute an admission, by or on behalf of the Fund, as to any fact,
circumstance, or legal conclusion.

X.   Sanctions

Compliance by Covered Officers with the provisions of the Code is required.
Covered Officers should be aware that in response to any violation, the Fund
will take whatever action is deemed necessary under the circumstances,
including, but not limited to, the imposition of appropriate sanctions. These
sanctions may include, among others, the reversal of trades, reallocation of
trades to client accounts, fines, disgorgement of profits, suspension or
termination.

                                      -4-
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                                    EXHIBIT A

                               PERSONS COVERED BY
                         TRANSAMERICA INDEX FUNDS, INC.

      CODE OF ETHICS FOR PRINCIPAL EXECUTIVE AND SENIOR FINANCIAL OFFICERS
                              ("Covered Officers")

  --------------------------------------------------------------------------
       Name                                          Title
  --------------------------------------------------------------------------
  Brian C. Scott                     Director, President and Chief Executive
                                     Officer
  --------------------------------------------------------------------------
  Kim D. Day                         Principal Financial Officer
  --------------------------------------------------------------------------

                                      -5-
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                                    EXHIBIT B

                       INITIAL AND ANNUAL CERTIFICATION OF
                                 COMPLIANCE WITH
                         TRANSAMERICA INDEX FUNDS, INC.

      CODE OF ETHICS FOR PRINCIPAL EXECUTIVE AND SENIOR FINANCIAL OFFICERS

To:   The Board of Directors

/s/ BCS [Initial]    I hereby certify that I have received Transamerica Index
Funds, Inc.'s Code of Ethics for Principal Executive and Senior Financial
Officers adopted pursuant to the Sarbanes-Oxley Act of 2002 (the "Code") and
that I have read and understood the Code. I further certify that I am subject to
the Code and will comply with each of the Code's provisions to which I am
subject.

/s/ BCS [Annual]    I hereby certify that I have received Transamerica Index
Funds, Inc.'s Code of Ethics for Principal Executive and Senior Financial
Officers adopted pursuant to the Sarbanes-Oxley Act of 2002 (the "Code") and
that I have read and understood the Code. I further certify that I have complied
with and will continue to comply with each of the provisions of the Code to
which I am subject.

                                      /s/ Brian C. Scott
                                      ------------------
                                      (Signature)

                                      Name: Brian C. Scott, Director, President
                                            and Chief Executive Officer

                                      Date: March 4, 2004

                                      -6-
<PAGE>

                       INITIAL AND ANNUAL CERTIFICATION OF
                                 COMPLIANCE WITH
                         TRANSAMERICA INDEX FUNDS, INC.

      CODE OF ETHICS FOR PRINCIPAL EXECUTIVE AND SENIOR FINANCIAL OFFICERS

To:   The Board of Directors

/s/ KDD [Initial]    I hereby certify that I have received Transamerica Index
Funds, Inc.'s Code of Ethics for Principal Executive and Senior Financial
Officers adopted pursuant to the Sarbanes-Oxley Act of 2002 (the "Code") and
that I have read and understood the Code. I further certify that I am subject to
the Code and will comply with each of the Code's provisions to which I am
subject.

/s/ KDD [Annual]    I hereby certify that I have received Transamerica Index
Funds, Inc.'s Code of Ethics for Principal Executive and Senior Financial
Officers adopted pursuant to the Sarbanes-Oxley Act of 2002 (the "Code") and
that I have read and understood the Code. I further certify that I have complied
with and will continue to comply with each of the provisions of the Code to
which I am subject.

                                  /s/ Kim D. Day
                                  --------------
                                  (Signature)

                                  Name: Kim D. Day, Principal Financial Officer

                                  Date: March 4, 2004

                                      -7-

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