Exhibit 20.1 ------------ CHASE MANHATTAN AUTO OWNER TRUST SERIES 1997-A STATEMENT TO CERTIFICATEHOLDERS PERIOD 7 PAGE # 1 DETERMINATION: 10-Oct-97 Beginning 9/1/97 DISTRIBUTION: 15-Oct-97 Ending 9/30/97 TIME: 10/14/97 23:04 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 $43,505,290.59 $31,520,842.87 $201,030.70 $31,721,873.57 $11,984,447.72 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 $929,005,290.59 $31,520,842.87 $4,760,197.37 $36,281,040.24 $897,484,447.72 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 $964,159,008.72 $31,520,842.87 $4,955,007.56 $36,475,850.43 $932,638,165.85 FACTOR INFORMATION PER $1,000 PRINCIPAL INTEREST END PRINCIPAL CLASS DISTRIBUTION DISTRIBUTION BALANCE A-1 126.08337148 0.80412280 47.93779088 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 27.75943890 4.19215973 790.38700812 B-1 0.00000000 5.54166672 1,000.00000000 Totals 0.00000000 5.54166672 1,000.00000000 TOTALS 26.92584697 4.23268425 796.68150488 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 7 PAGE # 2 DETERMINATION: 10-Oct-97 Beginning 9/1/97 DISTRIBUTION: 15-Oct-97 Ending 9/30/97 TIME: 10/14/97 23:04 per $1000 Section 5.8 (iii) Servicing Fee $803,465.84 0.68633946 Section 5.8 (iv) Administration Fee $1,000.00 0.00085422 Section 5.8 (vi) Pool Balance at the end of the Collection Period $932,638,165.85 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 $451,945.08 Section 5.8 (ix) Reserve Account Balance after Disbursement $27,979,144.98 Section 5.8 (x) Specified Reserve Account Balance $27,979,144.98 Section 5.8 (xi) Total Distribution Amount $38,775,848.28 Servicing Fee $803,465.84 Administrative Fee $1,000.00 Noteholders' Distribution Amount $36,281,040.24 Certificateholders' Distribution Amount $194,810.19 Deposit to Reserve Account $1,495,532.01 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 $31,520,842.87 $201,030.70 $31,721,873.57 126.08337148 0.80412280 126.88749428 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 $31,520,842.87 $4,760,197.37 $36,281,040.24 27.75943890 4.19215973 31.95159863 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 $1,495,532.01 (C) COPYRIGHT 1997, CHASE MANHATTAN BANK