1 FIFTH THIRD BANK AUTO RECEIVABLES TRUST 1996-B EXHIBIT 20 Monthly Statement to Certificateholders Servicer: Fifth Third Bank Trustee: Harris Trust and Savings Bank Collection Period: 1-Feb-99 28-Feb-99 Distribution Date: 15-Mar-99 Per $1,000 of Original Statement for Class A and Class B Certificateholders Pursuant Class A/Class B to Section 4.7 of the Pooling and Servicing Agreement Certificate Amount ------------------ (i) Principal Distribution Class A Certificate Amount $ 5,691,908.91 $ 14.82870710 Class B Certificate Amount $ 428,423.25 $ 14.82843867 (ii) Interest Distribution Class A Certificate Amount $ 407,182.83 $ 1.06080315 Class B Certificate Amount $ 31,839.00 $ 1.10200055 (iii) Servicing Fee $ 67,881.21 $ 0.16446645 (iv) Class A Certificate Balance (after principal distributions) $70,063,036.08 Class A Pool Factor (after principal distributions) 0.1825300 Class B Certificate Balance (after principal distributions) $ 5,274,084.78 Class B Pool Factor (after principal distributions) 0.1825448 (v) Total Pool Balance (end of Collection Period) $75,337,120.86 Current Period Cumulative ---------------- --------------- (vi) Defaulted Receivables $ 206,353.28 $7,852,487.24 Liquidation Proceeds 193,958.67 3,956,513.01 ================ =============== Aggregate Net Losses $ 12,394.61 $3,895,974.23 ================ =============== (vii) Aggregate Principal Balance of Receivables Repurchased by Seller or Servicer: Principal Portion $ - Interest Portion $ - (viii) Class A Interest Carryover Shortfall $ - Class B Interest Carryover Shortfall $ - Class A Principal Carryover Shortfall $ - Class B Principal Carryover Shortfall $ - (ix) Reserve Account Balance (after giving effect to payments made on the Distribution Date) $ 6,191,038.65 (x) Specified Reserve Account Balance (after giving effect to payments made on the Distribution Date) $ 6,191,038.65