Page 1 Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders February 15 2001 DISTRIBUTION IN DOLLARS ORIGINAL PRIOR FACE PRINCIPAL CLASS VALUE BALANCE PRINCIPAL A1 250,000,000.00 0.00 0.00 A2 365,000,000.00 0.00 0.00 A3 270,000,000.00 0.00 0.00 A4 165,000,000.00 0.00 0.00 A5 85,500,000.00 55,296,602.60 10,011,596.61 B1 35,153,718.13 35,153,718.13 0.00 TOTALS 1,170,653,718.13 90,450,320.73 10,011,596.61 CURRENT REALIZED DEFERRED PRINCIPAL CLASS INTEREST TOTAL LOSES INTEREST BALANCE A1 0.00 0.00 0.00 0.00 0.00 A2 0.00 0.00 0.00 0.00 0.00 A3 0.00 0.00 0.00 0.00 0.00 A4 0.00 0.00 0.00 0.00 0.00 A5 299,523.26 10,311,119.87 0.00 0.00 45,285,005.99 B1 194,810.19 194,810.19 0.00 0.00 35,153,718.13 TOTALS 494,333.45 10,505,930.06 0.00 0.00 80,438,724.12 FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PRIOR CURRENT PRINCIPAL PRINCIPAL CLASS FACTOR PRINCIPAL INTEREST TOTAL FACTOR A1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A4 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A5 646.74389006 117.09469719 3.50319602 120.59789322 529.64919287 B1 1,000.00000000 0.00000000 5.54166672 5.54166672 1,000.00000000 TOTALS 77.26479601 8.55214181 0.42227129 8.97441310 68.71265420 PASS-THROUGH RATES CURRENT CLASS PASS THRU RATE A1 5.545000% A2 5.950000% A3 6.250000% A4 6.400000% A5 6.500000% B1 6.650000% IF THERE, ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW: Maria Inoa The Chase Manhattan Bank - Structured Finance Services 450 W. 33rd Street, 14th Floor, New York, New York 10001 Tel: (212) 946-3676 Fax: 212) 946-8552 Email: maria.inoa@chase.com (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION Page 2 Chase Manhattan Auto Owner Trust 1997-A Statement to Certificateholders February 15 2001 Due Period 47 Due Period Beginning Date 01/01/01 Due Period End Date 01/31/01 Determination Date 02/09/01 Section 5.8(iii) Servicing Fee 75,375.27 Section 5.8(iii) Servicing Fee per $1000 0.06438733 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 80,438,724.12 Section 5.8(vii) Repurchase Amounts for Repurchased Receivable By Seller 0.00 By Servicer 93,196.81 TOTAL 93,196.81 Section 5.8(viii) Realized Net Losses for Collection Period 44,349.92 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 10,741,455.13 Servicing Fee 75,375.27 Administration Fee 1,000.00 Noteholders Distribution Amount 10,311,119.87 Certficateholders Distribution Amount 194,810.19 Deposit to Reserve Account 159,149.80 (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION