Page 1 Chase Manhattan Auto Owner Trust 1998-B Statement to Certificateholders November 15 2000 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR CURRENT FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSES INTEREST BALANCE A1 250,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A2 200,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 A3 321,000,000.00 1,175,098.95 1,175,098.95 5,630.68 1,180,729.63 0.00 0.00 0.00 A4 282,800,000.00 282,800,000.00 17,039,259.67 1,366,866.67 18,406,126.34 0.00 0.00 265,760,740.33 B1 32,604,142.65 32,604,142.65 0.00 164,379.22 164,379.22 0.00 0.00 32,604,142.65 TOTALS 1,086,404,142.65 316,579,241.60 18,214,358.62 1,536,876.57 19,751,235.19 0.00 0.00 298,364,882.98 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 5.578000% A2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 5.729000% A3 3.66074439 3.66074439 0.01754106 3.67828545 0.00000000 A3 5.750000% A4 1,000.00000000 60.25197903 4.83333335 65.08531238 939.74802097 A4 5.800000% B1 1,000.00000000 0.00000000 5.04166669 5.04166669 1,000.00000000 B1 6.050000% TOTALS 291.40098898 16.76573009 1.41464535 18.18037544 274.63525889 IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Kimberly Costa The Chase Manhattan Bank - Structured Finance Services 450 W. 33rd Street, 14th Floor, New York, New York 10001 Tel: (212) 946-3247 Email: kimberly.k.costa@chase.com (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 2 Chase Manhattan Auto Owner Trust 1998-B November 15 2000 STATEMENT TO CERTIFICATEHOLDERS Due Period 31 Due Period Beginning Date 10/01/00 Due Period End Date 10/31/00 Determination Date 11/10/00 Section 5.8(iii) Servicing Fee 263,816.03 Section 5.8(iii) Servicing Fee per $1000 0.24283415 Section 5.8(iv) Administration Fee 1,000.00 Section 5.8(iv) Administration Fee per $1000 0.00092047 Section 5.8(vi) Pool Balance at the end of the Collection Period 298,364,882.98 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 64,005.31 TOTAL 64,005.31 Section 5.8(viii) Realized Net Losses for Collection Period 112,691.49 Section 5.8(ix) Reserve Account Balance after Disbursement 8,950,946.49 Section 5.8(x) Specified Reserve Account Balance 8,950,946.49 Section 5.8(xi) Total Distribution Amount 20,540,452.39 Servicing Fee 263,816.03 Administration Fee 1,000.00 Noteholders Distribution Amount 19,586,855.97 Certficateholders Distribution Amount 164,379.22 Deposit to Reserve Account 524,401.17 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION