Exhibit 20.1 - -------------------------------------------------------------------------------- Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders November 15, 1999 - -------------------------------------------------------------------------------- - ------------------------------------------------------------------------------------------------------------------------------------ DISTRIBUTION IN DOLLARS - ------------------------------------------------------------------------------------------------------------------------------------ ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSSES 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 16,786,553.42 16,786,553.42 87,429.97 16,873,983.39 0.00 0.00 0.00 A4 165,000,000.00 165,000,000.00 1,059,106.22 880,000.00 1,939,106.22 0.00 0.00 163,940,893.78 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 1,170,653,718.13 302,440,271.55 17,845,659.64 1,625,365.16 19,471,024.80 0.00 0.00 284,594,611.91 - ------------------------------------------------------------------------------------------------------------------------------------ - -------------------------------------------------------------------------------------- ------------------ 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 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 5.545000% A2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 5.950000% A3 62.17242007 62.17242007 0.32381470 62.49623478 0.00000000 A3 6.250000% A4 1,000.00000000 6.41882558 5.33333333 11.75215891 993.58117442 A4 6.400000% A5 1,000.00000000 0.00000000 5.41666667 5.41666667 1,000.00000000 A5 6.500000% B1 1,000.00000000 0.00000000 5.54166672 5.54166672 1,000.00000000 B1 6.650000% - -------------------------------------------------------------------------------------- ------------------ TOTALS 258.35160891 15.24418311 1.38842523 16.63260834 243.10742579 - -------------------------------------------------------------------------------------- ------------------ - -------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------- [Image] (C) COPYRIGHT 1999, CHASE MANHATTAN CORPORATION - -------------------------------------------------------------------------------- - -------------------------------------------------------------------------------- Chase Manhattan Auto Owner Trust 1997-A November 15, 1999 - -------------------------------------------------------------------------------- STATEMENT TO CERTIFICATEHOLDERS Due Period 32 Due Period Beginning Date 10/01/99 Due Period End Date 10/31/99 Determination Date 11/10/99 Section 5.8(iii) Servicing Fee 252,033.56 SectFion 5.8(iii) Servicing Fee per $1000 0.21529301 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 284,594,611.91 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 107,248.11 TOTAL 107,248.11 Section 5.8(viii) Realized Net Losses for Collection Period 96,641.44 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 19,997,079.48 Servicing Fee 252,033.56 Administration Fee 1,000.00 Noteholders Distribution Amount 19,276,214.61 Certficateholders Distribution Amount 194,810.19 Deposit to Reserve Account 273,021.13 [Image] (C) COPYRIGHT 1999, CHASE MANHATTAN CORPORATION - --------------------------------------------------------------------------------