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-Aug-99 31-Aug-99 Distribution Date: 15-Sep-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 $ 4,185,460.50 $10.90406906 Class B Certificate Amount $ 315,034.66 $10.90387166 (ii) Interest Distribution Class A Certificate Amount $ 237,005.38 $0.61745250 Class B Certificate Amount $ 18,533.47 $0.64147411 (iii) Servicing Fee $ 39,511.21 $0.09573000 (iv) Class A Certificate Balance (after principal distributions) $ 39,908,564.20 Class A Pool Factor (after principal distributions) 0.1039708 Class B Certificate Balance (after principal distributions) $ 3,004,393.35 Class B Pool Factor (after principal distributions) 0.1039870 (v) Total Pool Balance (end of Collection Period) $ 42,912,957.55 Current Period Cumulative -------------------- ------------------ (vi) Defaulted Receivables $ 55,989.76 $ 8,513,816.59 Liquidation Proceeds 176,072.34 5,013,399.52 -------------------- ------------------ Aggregate Net Losses $ (120,082.58) $ 3,500,417.07 ==================== ================== (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