Exhibit 20.1 ------------ CHASE MANHATTAN AUTO OWNER TRUST SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 4 PAGE # 1 DETERMINATION: 10-Jul-97 Beginning 6/1/97 DISTRIBUTION: 15-Jul-97 Ending 6/30/97 TIME: 7/18/97 13:50 CLASS A-1 5.545% MONEY MARKET ASSET BACKED NOTES ClASS A-2 5.950% ASSET BACKED NOTES CLASS A-3 6.250% ASSET BACKED NOTES CLASS A-4 6.400% ASSET BACKED NOTES CLASS A-5 6.500% ASSET BACKED NOTES CLASS B-1 6.650% 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 $137,941,828.40 $32,186,701.21 $616,159.33 $32,802,860.54 $105,755,127.19 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 $1,023,441,828.40 $32,186,701.21 $5,175,326.00 $37,362,027.21 $991,255,127.19 B-1 $35,153,718.13 $35,153,718.13 $0.00 $194,810.19 $194,810.19 $35,153,718.13 CERTIFICATE $35,153,718.13 $35,153,718.13 $0.00 $194,810.19 $194,810.19 $35,153,718.13 TOTALS TOTALS $1,170,653,718.13 $1,058,595,546.53 $32,186,701.21 $5,370,136.19 $37,556,837.40 $1,026,408,845.32 FACTOR INFORMATION PER $1,000 PRINCIPAL INTEREST END PRINCIPAL CLASS DISTRIBUTION DISTRIBUTION BALANCE A-1 128.74680484 2.46463732 423.02050876 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 28.34583990 4.55775077 872.96796758 B-1 0.00000000 5.54166672 1,000.00000000 Certificate Total 0.00000000 5.54166672 1,000.00000000 TOTALS 27.49463886 4.58729692 876.78262959 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 AUTO OWNER TRUST SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 4 PAGE # 2 DETERMINATION: 10-Jul-97 Beginning 6/1/97 DISTRIBUTION: 15-Jul-97 Ending 6/30/97 TIME: 7/18/97 13:50 per $1000 --------- Section 5.8 (iii) Servicing Fee $882,162.96 0.75356439 Section 5.8 (iv) Administration Fee $1,000.00 0.00085422 Section 5.8 (vi) Pool Balance at the end of the Collection Period $1,026,408,845.32 Section 5.8 (vii) Repurchase Amounts for Repurchased Receivable By Seller $0.00 By Servicer $0.00 TOTAL $0.00 Section 5.8 (viii) Realized Losses for Collection Period $98,372.36 Section 5.8 (ix) Reserve Account Balance after Disbursement $26,742,572.87 Section 5.8 (x) Specified Reserve Account Balance $30,792,265.36 Section 5.8 (xi) Total Distribution Amount $40,477,008.34 Servicing Fee $882,162.96 Administrative Fee $1,000.00 Noteholders' Distribution Amount $37,362,027.21 Certificateholders' Distribution Amount $194,810.19 Deposit to Reserve Account $2,037,007.98 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 $32,186,701.21 $616,159.33 $32,802,860.54 128.74680484 2.46463732 131.21144216 A-2 $0.00 $1,809,791.67 $1,809,791.67 0.00000000 4.95833334 4.95833334 A-3 $0.00 $1,406,250.00 $1,406,250.00 0.00000000 5.20833333 5.20833333 A-4 $0.00 $880,000.00 $880,000.00 0.00000000 5.33333333 5.33333333 A-5 $0.00 $463,125.00 $463,125.00 0.00000000 5.41666667 5.41666667 Total $32,186,701.21 $5,175,326.00 $37,362,027.21 28.34583990 4.55775077 32.90359067 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) Reserve Fund Transfer Amount $2,037,007.98 (C) COPYRIGHT 1997, CHASE MANHATTAN BANK