Page 1 Chase Manhattan Auto Owner Trust 1997-B 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 200,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 294,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A3 227,000,000.00 18,889,524.94 14,505,902.76 99,957.07 14,605,859.83 0.00 0.00 4,383,622.18 A4 133,000,000.00 133,000,000.00 0.00 720,416.67 720,416.67 0.00 0.00 133,000,000.00 A5 70,000,000.00 70,000,000.00 0.00 385,000.00 385,000.00 0.00 0.00 70,000,000.00 B1 29,148,275.79 29,148,275.79 0.00 163,959.05 163,959.05 0.00 0.00 29,148,275.79 TOTALS 953,148,275.79 251,037,800.73 14,505,902.760 1,369,332.79 15,875,235.55 0.00 0.00 236,531,897.97 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 5.744000 % A2 .00000000 .00000000 .00000000 .00000000 .00000000 A2 6.100000 % A3 83.21376626 63.90265533 .44033952 64.34299485 19.31111093 A3 6.350000 % A4 1,000.00000000 .00000000 5.41666669 5.41666669 1,000.00000000 A4 6.500000 % A5 1,000.00000000 .00000000 5.50000000 5.50000000 1,000.00000000 A5 6.600000 % B1 1,000.00000000 .00000000 5.62499995 5.62499995 1,000.00000000 B1 6.750000 % TOTALS 263.37749027 15.21893616 1.43664194 16.65557810 248.15855411 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 2 Chase Manhattan Auto Owner Trust 1997-B 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-B February 15 2000 STATEMENT TO CERTIFICATEHOLDERS Due Period 32 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 209,198.17 Section 5.8(iii) Servicing Fee per $1000 0.21948124 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00104915 Section 5.8(vi) Pool Balance at the end of the Collection Period 236,531,897.97 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 80,359.76 TOTAL 80,359.76 Section 5.8(viii) Realized Net Losses for Collection Period 203,878.38 Section 5.8(ix) Reserve Account Balance after Disbursement 7,148,612.07 Section 5.8(x) Specified Reserve Account Balance 7,148,612.07 Section 5.8(xi) Total Distribution Amount 16,398,166.33 Servicing Fee 209,198.17 Administration Fee 1,000.00 Noteholders Distribution Amount 15,711,276.50 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 4 Chase Manhattan Auto Owner Trust 1997-B February 15 2000 Certficateholders Distribution Amount 163,959.05 Deposit to Reserve Account 312,732.61 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION