Page 1 Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders January 18 2000 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSES INTEREST BALANCE A1 250,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 365,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A3 270,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A4 165,000,000.00 146,042,619.25 17,453,935.61 778,893.97 18,232,829.58 0.00 0.00 128,588,683.64 A5 85,500,000.00 85,500,000.00 0.00 463,125.00 463,125.00 0.00 0.00 85,500,000.00 B1 35,153,718.13 35,153,718.13 0.00 194,810.19 194,810.19 0.00 0.00 35,153,718.13 TOTALS 1,170,653,718.13 266,696,337.38 17,453,935.610 1,436,829.16 18,890,764.77 0.00 0.00 249,242,401.77 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES PRIOR CURRENT CURRENT PRINCIPAL PRINCIPAL CLASS PASS THRU CLASS FACTOR PRINCIPAL INTEREST TOTAL FACTOR RATE A1 .00000000 .00000000 .00000000 .00000000 .00000000 A1 5.545000 % A2 .00000000 .00000000 .00000000 .00000000 .00000000 A2 5.950000 % A3 .00000000 .00000000 .00000000 .00000000 .00000000 A3 6.250000 % A4 885.10678333 105.78142794 4.72056952 110.50199745 779.32535539 A4 6.400000 % A5 1,000.00000000 .00000000 5.41666667 5.41666667 1,000.00000000 A5 6.500000 % B1 1,000.00000000 .00000000 5.54166672 5.54166672 1,000.00000000 B1 6.650000 % TOTALS 227.81829780 14.90956321 1.22737334 16.13693655 212.90873459 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 2 Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders January 18 2000 IF THERE, ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Mark McDermott The Chase Manhattan Bank - Structured Finance Services 450 W. 33rd Street, 14th Floor, New York, New York 10001 Tel: (212) 946-7016 Email: mark.mcdermott@chase.com (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 3 Chase Manhattan Auto Owner Trust 1997-A January 18 2000 STATEMENT TO CERTIFICATEHOLDERS Due Period 34 Due Period Beginning Date 12/01/99 Due Period End Date 12/31/99 Determination Date 01/10/00 Section 5.8(iii) Servicing Fee 222,246.95 SectFion 5.8(iii) Servicing Fee per $1000 0.18984858 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00085422 Section 5.8(vi) Pool Balance at the end of the Collection Period 249,242,401.77 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 145,420.41 TOTAL 145,420.41 Section 5.8(viii) Realized Net Losses for Collection Period 285,700.92 Section 5.8(ix) Reserve Account Balance after Disbursement 8,779,902.89 Section 5.8(x) Specified Reserve Account Balance 8,779,902.89 Section 5.8(xi) Total Distribution Amount 19,214,986.02 Servicing Fee 222,246.95 Administration Fee 1,000.00 Noteholders Distribution Amount 18,695,954.58 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 4 Chase Manhattan Auto Owner Trust 1997-A January 18 2000 Certficateholders Distribution Amount 194,810.19 Deposit to Reserve Account 100,974.30 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION