<TABLE>


------------------------------------------------------------------------------------------------------------------------------------
                                                            CHASE MANHATTAN AUTO OWNER TRUST
                                                                      SERIES 1997-A
                                                             STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 22                                                                                                                 PAGE # 1
DETERMINATION8-Jan-99                                                                                              Beginning 12/1/98
DISTRIBUTION:15-Jan-99                                                                                               Ending 12/31/98
TIME: 2/2/99 10:05
                                                             CLASS A-1 5.545% MONEY MARKET ASSET BACKED NOTES
                                                             CLASS A-2 5.950% ASSET BACKED NOTES
                                                             CLASS A-3 6.250% ASSET BACKED NOTES
                                                             CLASS A-4 6.400% ASSET BACKED NOTES
                                                             CLASS A-5 6.500% ASSET BACKED NOTES
                                                             CLASS B-1 6.650% ASSET BACKED CERTIFICATES


                   ORIG PRINCIPAL          BEG PRINCIPAL        PRINCIPAL           INTEREST             TOTAL        END PRINCIPAL
   CLASS              BALANCE                 BALANCE         DISTRIBUTION        DISTRIBUTION       DISTRIBUTION        BALANCE
------------------------------------------------------------------------------------------------------------------------------------
<S>           <C>                 <C>                  <C>                  <C>                 <C>                <C>  
 A-1 Notes        $250,000,000.00                $0.00               $0.00               $0.00              $0.00             $0.00

 A-2 Notes        $365,000,000.00                $0.00               $0.00               $0.00              $0.00             $0.00

 A-3 Notes        $270,000,000.00      $246,555,832.21      $25,366,640.34       $1,284,144.96     $26,650,785.30   $221,189,191.87

 A-4 Notes        $165,000,000.00      $165,000,000.00               $0.00         $880,000.00        $880,000.00   $165,000,000.00

 A-5 Notes         $85,500,000.00       $85,500,000.00               $0.00         $463,125.00        $463,125.00    $85,500,000.00
------------------------------------------------------------------------------------------------------------------------------------
 NOTE TOTALS    $1,135,500,000.00      $497,055,832.21      $25,366,640.34       $2,627,269.96     $27,993,910.30   $471,689,191.87
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
    B-1            $35,153,718.13       $35,153,718.13               $0.00         $194,810.19        $194,810.19    $35,153,718.13
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
CERTIFICATE
      TOTALS       $35,153,718.13       $35,153,718.13               $0.00         $194,810.19        $194,810.19    $35,153,718.13
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
   TOTALS       $1,170,653,718.13      $532,209,550.34      $25,366,640.34       $2,822,080.15     $28,188,720.49   $506,842,910.00
------------------------------------------------------------------------------------------------------------------------------------

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</TABLE>


                                 FACTOR   INFORMATION   PER   $1,000


                     PRINCIPAL                INTEREST            END PRINCIPAL
   CLASS            DISTRIBUTION            DISTRIBUTION             BALANCE
--------------------------------------------------------------------------------
     A-1               0.00000000           0.00000000              0.00000000
                                                        ------------------------
                                                        ------------------------
             -------------------------------------------------------------------
     A-2               0.00000000           0.00000000              0.00000000
                                                        ------------------------
                                                        ------------------------
             -------------------------------------------------------------------
     A-3              93.95051978           4.75609244            819.21922915
                                                        ------------------------
                                                        ------------------------
             -------------------------------------------------------------------
     A-4               0.00000000           5.33333333          1,000.00000000
                                                        ------------------------
                                                        ------------------------
             -------------------------------------------------------------------
    A-5                0.00000000           5.41666667          1,000.00000000
--------------------------------------------------------------------------------
Notes Totals          22.33962161           2.31375602            415.40219451
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
    B-1                0.00000000           5.54166672          1,000.00000000
-------------                                           ------------------------
--------------------------------------------------------------------------------
Certificate Totals     0.00000000           5.54166672          1,000.00000000
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
   TOTALS             21.66878211           2.41068738            432.95716073
--------------------------------------------------------------------------------



(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
<TABLE>
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------------------------------------------------------------------------------------------------------------------------------------
                                               CHASE MANHATTAN AUTO OWNER TRUST
                                                         SERIES 1997-A
                                                STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------
PERIOD 22                                                                                                              PAGE     # 2
DETERMINATION: 8-Jan-99                                                                                            Beginning 12/1/98
DISTRIBUTION: 15-Jan-99                                                                                            Ending 12/31/98
TIME: 2/2/99 10:05



                                                                                                                      per $1000
<S>                <C>                                                                    <C>                       <C>       
Section 5.8 (iii)   Servicing Fee                                                                      $443,507.96        0.37885495


Section 5.8 (iv)    Administration Fee                                                                   $1,000.00        0.00085422


Section 5.8 (vi)    Pool Balance at the end of the Collection Period                               $506,842,910.00


Section 5.8 (vii)   Repurchase Amounts for Repurchased Receivable
                                       By Seller                                                             $0.00
                                       By Servicer                                                     $270,626.80
                                       TOTAL                                                           $270,626.80

Section 5.8 (viii)  Realized Net Losses for Collection Period                                          $505,684.70


Section 5.8 (ix)    Reserve Account Balance after Disbursement                                      $15,205,287.30


Section 5.8 (x)     Specified Reserve Account Balance                                               $15,205,287.30


Section 5.8 (xi)    Total Distribution Amount                                                       $28,680,708.96

                                       Servicing Fee                                                   $443,507.96
                                       Administrative Fee                                                $1,000.00
                                       Noteholders' Distribution Amount                             $27,993,910.30
                                       Certificateholders' Distribution Amount                        $ 194,810.19
                                       Deposit to Reserve Account                                       $47,480.51









Section 5.8 (xii)   Noteholders' Distributable Amount


------------------------------------------------------------------------------------------------------------------------------------
Class     Principal            Interest            Total        Prin (per $1000/orig)  Int (per $1000/orig)  Total (per $1000/orig)
------------------------------------------------------------------------------------------------------------------------------------
<S>   <C>              <C>               <C>                <C>                  <C>                       <C>       
 A-1            $0.00             $0.00               $0.00         0.00000000           0.00000000                0.00000000
 A-2            $0.00             $0.00               $0.00         0.00000000           0.00000000                0.00000000
 A-3   $25,366,640.34     $1,284,144.96      $26,650,785.30        93.95051978           4.75609244               98.70661222
 A-4            $0.00       $880,000.00         $880,000.00         0.00000000           5.33333333                5.33333333
 A-5            $0.00       $463,125.00         $463,125.00         0.00000000           5.41666667                5.41666667
-----------------------------------------------------------------------------------------------------------------------------------
Total  $25,366,640.34     $2,627,269.96      $27,993,910.30        22.33962161           2.31375602               24.65337763
-----------------------------------------------------------------------------------------------------------------------------------




Section 5.8 (xiii)  Certificateholders' Distributable Amount


------------------------------------------------------------------------------------------------------------------------------------
 Class       Principal         Interest            Total        Prin (per $1000/orig)  Int (per $1000/orig)  Total (per $1000/orig)
------------------------------------------------------------------------------------------------------------------------------------
<S>    <C>          <C>                   <C>               <C>                 <C>                  <C>                     
  B-1         $0.00           $194,810.19       $194,810.19         0.00000000           5.54166672                5.54166672
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
 Total        $0.00           $194,810.19       $194,810.19         0.00000000           5.54166672                5.54166672
------------------------------------------------------------------------------------------------------------------------------------




Section 5.8 (xiv)   Reserve Fund Transfer Amount                                                       $ 47,480.51






(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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</TABLE>