Exhibit 20.2 ------------ CHASE MANHATTAN AUTO OWNER TRUST SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 2 PAGE # 1 DETERMINATION: 9-May-97 Beginning 4/1/97 DISTRIBUTION: 15-May-97 Ending 4/30/97 CLASS A-1 5.545% MONEY MARKET ASSET BACKED NOTES CLASS A-2 5.95% ASSET BACKED NOTES CLASS A-3 6.25% ASSET BACKED NOTES CLASS A-4 6.40% ASSET BACKED NOTES CLASS A-5 6.50% ASSET BACKED NOTES CLASS B-1 6.65% ASSET BACKED CERTIFICATES ORIG PRINCIPAL BEG PRINCIPAL PRINCIPAL INTEREST TOTAL END PRINCIPAL CLASS BALANCE BALANCE DISTRIBUTION DISTRIBUTION DISTRIBUTION BALANCE A-1 Notes $250,000,000.00 $205,854,050.07 $36,116,221.59 $951,217.26 $37,067,438.85 $169,737,828.48 A-2 Notes $365,000,000.00 $365,000,000.00 $0.00 $1,809,791.67 $1,809,791.67 $365,000,000.00 A-3 Notes $270,000,000.00 $270,000,000.00 $0.00 $1,406,250.00 $1,406,250.00 $270,000,000.00 A-4 Notes $165,000,000.00 $165,000,000.00 $0.00 $880,000.00 $880,000.00 $165,000,000.00 A-5 Notes $85,500,000.00 $85,500,000.00 $0.00 $463,125.00 $463,125.00 $85,500,000.00 NOTE TOTALS $1,135,500,000.00 $1,091,354,050.07 $36,116,221.59 $5,510,383.93 $41,626,605.52 $1,055,237,828.48 B-1 $35,153,718.13 $35,153,718.13 $0.00 $194,810.19 $194,810.19 $35,153,718.13 CERTIFICATE TOTALS $35,153,718.13 $35,153,718.13 $0.00 $194,810.19 $194,810.19 $35,153,718.13 TOTALS $1,170,653,718.13 $1,126,507,768.20 $36,116,221.59 $5,705,194.12 $41,821,415.71 $1,090,391,546.61 FACTOR INFORMATION PER $1,000 PRINCIPAL INTEREST END PRINCIPAL CLASS DISTRIBUTION DISTRIBUTION BALANCE A-1 144.46488636 3.80486904 678.95131392 A-2 0.00000000 4.95833334 1,000.00000000 A-3 0.00000000 5.20833333 1,000.00000000 A-4 0.00000000 5.33333333 1,000.00000000 A-5 0.00000000 5.41666667 1,000.00000000 Notes Totals 31.80644790 4.85282601 929.31556889 B-1 0.00000000 5.54166672 1,000.00000000 Certficate Totals 0.00000000 5.54166672 1,000.00000000 TOTALS 30.85132779 4.87351130 931.43816119 IF THERE ARE ANY QUESTIONS OR COMMENTS, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW KIM COSTA THE CHASE MANHATTAN BANK - ASPG 450 WEST 33RD STREET, 10TH FLOOR NEW YORK, NEW YORK 10001 (212) 946-3247 @ CHASE MANHATTAN BANKING CORPORATION SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 2 PAGE # 2 DETERMINATION: 9-May-97 Beginning 4/1/97 DISTRIBUTION: 15-May-97 Ending 4/30/97 per $1000 --------- Section 5.8 (iii) Servicing Fee $938,756.47 .8019079075 Section 5.8 (iv) Administration Fee $1,000.00 .0008542236 Section 5.8 (vi) Pool Balance at the end of the Collection Period $1,090,391,546.61 Section 5.8 (vii) Repurchase Amounts for Repurchased Receivables By Seller $0.00 By Servicer 0.00 TOTAL 0.00 Section 5.8 (viii) Realized Losses for Collection Period $11,605.68 Section 5.8 (ix) Reserve Account Balance after Disbursement $22,706,336.02 Section 5.8 (x) Specified Reserve Account Balance $32,711,746.40 Section 5.8 (xi) Total Distribution Amount $44,579,447.10 Servicing Fee $938,756.47 Administrative Fee $1,000.00 Noteholders' Distribution Amount $41,626,605.52 Certifcateholders' Distribution Amount $194,810.19 Deposit to Reserve Account $1,818,274.92 Section 5.8 (xii) Noteholders' Distributable Amount Class Principal Interest Total Prin (per $1000/orig) Int (per $1000/orig) Total (per $1000/orig) A-1 $36,116,221.59 $951,217.26 $37,067,438.85 144.46488636 3.80486904 148.26975540 A-2 $0.00 $1,809,791.67 $1,809,791.67 .00000000 4.95833334 4.95833334 A-3 $0.00 $1,406,250.00 $1,406,250.00 .00000000 5.20833333 5.20833333 A-4 $0.00 $880,000.00 $880,000.00 .00000000 5.33333333 5.33333333 A-5 $0.00 $463,125.00 $463,125.00 .00000000 5.41666667 5.41666667 Total $36,116,221.59 $5,510,383.93 $41,626,605.52 31.80644790 4.85282601 36.65927391 Section 5.8 (xiii) Certificateholders' Distributable Amount Class Principal Interest Total Prin (per $1000/orig) Int (per $1000/orig) Total (per $1000/orig) B-1 $0.00 $194,810.19 $194,810.19 0.00000000 5.54166672 5.54166672 Total $0.00 $194,810.19 $194,810.19 0.00000000 5.54166672 5.54166672 Section 5.8 (xiv) Fund Transfer Amount $1,818,274.92