Exhibit 20.1 ------------ CHASE MANHATTAN AUTO OWNER TRUST SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 5 PAGE # 1 DETERMINATION: 8-Aug-97 Beginning 7/1/97 DISTRIBUTION: 15-Aug-97 Ending 7/31/97 TIME: 8/12/97 22:07 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 $105,755,127.19 $32,421,285.24 $504,966.04 $32,926,251.28 $73,333,841.95 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 $991,255,127.19 $32,421,285.24 $5,064,132.71 $37,485,417.95 $958,833,841.95 B-1 $35,153,718.13 $35,153,718.13 $0.00 $194,810.19 $194,810.19 $35,153,718.13 CERT 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 $1,026,408,845.32 $32,421,285.24 $5,258,942.90 $37,680,228.14 $993,987,560.08 FACTOR INFORMATION PER $1,000 PRINCIPAL INTEREST END PRINCIPAL CLASS DISTRIBUTION DISTRIBUTION BALANCE A-1 129.68514096 2.01986416 293.33536780 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 Totals 28.55243086 4.45982625 844.41553672 B-1 0.00000000 5.54166672 1,000.00000000 Totals 0.00000000 5.54166672 1,000.00000000 TOTALS 27.69502607 4.49231299 849.08760352 IF THERE ARE ANY QUESTIONS OR COMMENTS, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW KIM COSTA THE CHASE MANHATTAN BANK - ASPG 450 WEST 33RD STREET, 15TH FLOOR NEW YORK, NEW YORK 10001 (212) 946-3247 CHASE MANHATTAN AUTO OWNER TRUST SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 5 PAGE # 2 DETERMINATION: 8-Aug-97 Beginning 7/1/97 DISTRIBUTION: 15-Aug-97 Ending 7/31/97 TIME: 8/12/97 22:07 per $1000 Section 5.8 (iii) Servicing Fee $855,340.70 0.73065219 Section 5.8 (iv) Administration Fee $1,000.00 0.00085422 Section 5.8 (vi) Pool Balance at the end of the 00Collection Period $993,987,560.08 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 $303,750.53 Section 5.8 (ix) Reserve Account Balance after Disbursement $28,416,820.19 Section 5.8 (x) Specified Reserve Account Balance $29,819,626.80 Section 5.8 (xi) Total Distribution Amount $40,090,352.01 Servicing Fee $855,340.70 Administrative Fee $1,000.00 Noteholders' Distribution Amount $37,485,417.95 Certificateholders' Distribution Amount $194,810.19 Deposit to Reserve Account $1,553,783.17 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 $32,421,285.24 $504,966.04 $32,926,251.28 129.68514096 2.01986416 131.70500512 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 $32,421,285.24 $5,064,132.71 $37,485,417.95 28.55243086 4.45982625 33.01225711 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 $1,553,783.17 (C) COPYRIGHT 1997, CHASE MANHATTAN BANK