Page 1 Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders February 15 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 165,000,000.00 128,588,683.64 16,214,087.83 685,806.31 16,899,894.14 0.00 0.00 112,374,595.81 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 1,170,653,718.13 249,242,401.77 16,214,087.830 1,343,741.50 17,557,829.33 0.00 0.00 233,028,313.94 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 779.32535539 98.26719897 4.15640188 102.42360085 681.05815642 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 212.90873459 13.85045601 1.14785566 14.99831168 199.05827858 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 2 Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders February 15 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 February 15 2000 STATEMENT TO CERTIFICATEHOLDERS Due Period 35 Due Period Beginning Date 01/01/00 Due Period End Date 01/31/00 Determination Date 02/10/00 Section 5.8(iii) Servicing Fee 207,702.00 SectFion 5.8(iii) Servicing Fee per $1000 0.17742395 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 233,028,313.94 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 134,080.08 TOTAL 134,080.08 Section 5.8(viii) Realized Net Losses for Collection Period 168,170.78 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 18,056,661.09 Servicing Fee 207,702.00 Administration Fee 1,000.00 Noteholders Distribution Amount 17,363,019.14 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 4 Chase Manhattan Auto Owner Trust 1997-A February 15 2000 Certficateholders Distribution Amount 194,810.19 Deposit to Reserve Account 290,129.76 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION