- --------------------------------------------------------------------------------
                       CHASE MANHATTAN AUTO OWNER TRUST
                                 SERIES 1997-A
                        STATEMENT TO CERTIFICATEHOLDERS
================================================================================

       PERIOD 24                                                     PAGE # 1
DETERMINATION:10-Mar-99                                         Beginning 2/1/99
DISTRIBUTION: 15-Mar-99                                           Ending 2/28/99
        TIME: 4/13/99 11:05

                      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              $0.00            $0.00           $0.00              $0.00              $0.00

  A-2 Notes           $365,000,000.00              $0.00            $0.00           $0.00              $0.00              $0.00

  A-3 Notes           $270,000,000.00    $197,115,747.66   $23,809,246.60   $1,026,644.52     $24,835,891.12    $173,306,501.06

  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    $447,615,747.66   $23,809,246.60   $2,369,769.52     $26,179,016.12    $423,806,501.06
- -------------------------------------------------------------------------------------------------------------------------------
     B-1               $35,153,718.13     $35,153,718.13            $0.00     $194,810.19        $194,810.19     $35,153,718.13
- -------------------------------------------------------------------------------------------------------------------------------
CERTIFICATE 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    $482,769,465.79   $23,809,246.60   $2,564,579.71     $26,373,826.31    $458,960,219.19
- -------------------------------------------------------------------------------------------------------------------------------




                        FACTOR INFORMATION PER $1,000




                      PRINCIPAL               INTEREST            END PRINCIPAL
    CLASS           DISTRIBUTION            DISTRIBUTION             BALANCE
- -------------------------------------------------------------------------------------
                                                         
     A-1                     0.00000000            0.00000000             0.00000000
- -------------------------------------------------------------------------------------
     A-2                     0.00000000            0.00000000             0.00000000
- -------------------------------------------------------------------------------------
     A-3                    88.18239481            3.80238711           641.87592985
- -------------------------------------------------------------------------------------
     A-4                     0.00000000            5.33333333         1,000.00000000
- -------------------------------------------------------------------------------------
     A-5                     0.00000000            5.41666667         1,000.00000000
- -------------------------------------------------------------------------------------
Notes Totals                20.96807274            2.08698328           373.23337830
- -------------------------------------------------------------------------------------
     B-1                     0.00000000            5.54166672         1,000.00000000
- -------------------------------------------------------------------------------------
Certificate Totals           0.00000000            5.54166672         1,000.00000000
- -------------------------------------------------------------------------------------
   TOTALS                   20.33841966            2.19072444           392.05463758
- -------------------------------------------------------------------------------------



                    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

(C) COPYRIGHT 1998, CHASE MANHATTAN BANK



- --------------------------------------------------------------------------------
                       CHASE MANHATTAN AUTO OWNER TRUST
                                 SERIES 1997-A
                        STATEMENT TO CERTIFICATEHOLDERS
================================================================================

        PERIOD 24                                                   PAGE     # 2
DETERMINATION: 10-Mar-99                                        Beginning 2/1/99
 DISTRIBUTION: 15-Mar-99                                          Ending 2/28/99
         TIME: 4/13/99 11:05




                                                                                                                 per $1000
                                                                                                                 ---------
                                                                                                           
Section 5.8 (iii)  Servicing Fee                                                             $402,307.89         0.34366088

Section 5.8 (iv)   Administration Fee                                                          $1,000.00         0.00085422

Section 5.8 (vi)   Pool Balance at the end of the Collection Period                       458,960,219.19

Section 5.8 (vii)  Repurchase Amounts for Repurchased Receivable
                                      By Seller                                                    $0.00
                                      By Servicer                                            $158,072.37
                                      TOTAL                                                  $158,072.37

Section 5.8 (viii) Realized Net Losses for Collection Period                                 $367,627.06

Section 5.8 (ix)   Reserve Account Balance after Disbursement                             $13,768,806.58

Section 5.8 (x)    Specified Reserve Account Balance                                      $13,768,806.58

Section 5.8 (xi)   Total Distribution Amount                                              $26,981,706.93

                                      Servicing Fee                                          $402,307.89
                                      Administrative Fee                                       $1,000.00
                                      Noteholders' Distribution Amount                    $26,179,016.12
                                      Certificateholders' Distribution Amount               $ 194,810.19
                                      Deposit to Reserve Account                             $204,572.73




Section 5.8 (xii)  Noteholders' Distributable Amount




                   -----------------------------------------------------------------------------------------------------------------
                                                                                      Prin (per       Int (per         Total (per
                   Class           Principal            Interest      Total           $1000/orig)     $1000/orig)      $1000/orig)
                   -----------------------------------------------------------------------------------------------------------------
                                                                                                    

                    A-1                  $0.00              $0.00           $0.00      0.00000000      0.00000000      0.00000000
                    A-2                  $0.00              $0.00           $0.00      0.00000000      0.00000000      0.00000000
                    A-3         $23,809,246.60      $1,026,644.52  $24,835,891.12     88.18239481      3.80238711     91.98478193
                    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        $23,809,246.60      $2,369,769.52  $26,179,016.12     20.96807274      2.08698328     23.05505603
                   ---------------------------------------------------------------------------------------------------------------


Section 5.8 (xiii) Certificateholders' Distributable Amount



                   -----------------------------------------------------------------------------------------------------------------
                                                                                      Prin (per       Int (per         Total (per
                   Class           Principal            Interest      Total           $1000/orig)     $1000/orig)      $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                  $ 204,572.73



(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
- ------------------------------------------------------------------------------