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                                                   CHASE MANHATTAN AUTO OWNER TRUST
                                                             SERIES 1997-A
                                                    STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
      PERIOD 20                                                                                                             PAGE # 1
DETERMINATION:  10-Nov-98                                                                                          Beginning 10/1/98
DISTRIBUTION:   16-Nov-98                                                                                            Ending 10/31/98
TIME:           11/25/98 12:06
                                                             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       $26,954,484.14     $24,853,650.00       $133,649.32    $24,987,299.32      $2,100,834.14
 A-3 Notes           $270,000,000.00      $270,000,000.00              $0.00     $1,406,250.00     $1,406,250.00    $270,000,000.00
 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      $547,454,484.14     $24,853,650.00     $2,883,024.32    $27,736,674.32    $522,600,834.14
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    B-1               $35,153,718.13       $35,153,718.13              $0.00       $194,810.19       $194,810.19     $35,153,718.13
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CERTIFICATE TOTALS    $35,153,718.13       $35,153,718.13              $0.00       $194,810.19       $194,810.19     $35,153,718.13
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   TOTALS          $1,170,653,718.13      $582,608,202.27     $24,853,650.00     $3,077,834.51    $27,931,484.51    $557,754,552.27
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                                 FACTOR   INFORMATION   PER   $1,000


                     PRINCIPAL                INTEREST            END PRINCIPAL
   CLASS            DISTRIBUTION            DISTRIBUTION             BALANCE
--------------------------------------------------------------------------------
<S>     <C>                     <C>                  <C>                     
     A-1             0.00000000           0.00000000              0.00000000
                                                     ------------------------
     A-2            68.09219178           0.36616252              5.75570997
                                                     ------------------------ 
             ----------------------------------------------------------------
     A-3             0.00000000           5.20833333          1,000.00000000
                                                     ------------------------
                                                     ------------------------
             ----------------------------------------------------------------
     A-4             0.00000000           5.33333333          1,000.00000000
                                                     ------------------------
                                                     ------------------------
             ----------------------------------------------------------------
    A-5              0.00000000           5.41666667          1,000.00000000
-------------                                        ------------------------
             ----------------------------------------------------------------
Notes Totals        21.88784676           2.53899103            460.23851531
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
    B-1              0.00000000           5.54166672          1,000.00000000
-------------                                        ------------------------
-----------------------------------------------------------------------------
Certificate Totals   0.00000000           5.54166672          1,000.00000000
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
   TOTALS           21.23057367           2.62915879            476.44708562
-----------------------------------------------------------------------------

<PAGE>
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                                                  CHASE MANHATTAN AUTO OWNER TRUST
                                                           SERIES 1997-A
                                                  STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------

        PERIOD 20                                                                                                     PAGE     # 2
DETERMINATION: 10-Nov-98                                                                                          Beginning 10/1/98
 DISTRIBUTION: 16-Nov-98                                                                                            Ending 10/31/98
         TIME: 11/25/98 12:06



                                                                                                                    per $1000
<S>                       <C>                                                  <C>
Section 5.8 (iii)            Servicing Fee                                                     $485,506.84         0.41473139


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


Section 5.8 (vi)             Pool Balance at the end of the Collection Period              $557,754,552.27


Section 5.8 (vii)            Repurchase Amounts for Repurchased Receivable
                                                 By Seller                                           $0.00
                                                 By Servicer                                    $53,790.06
                                                 TOTAL                                          $53,790.06

Section 5.8 (viii)           Realized Net Losses for Collection Period                         $334,408.75


Section 5.8 (ix)             Reserve Account Balance after Disbursement                     $16,732,636.57


Section 5.8 (x)              Specified Reserve Account Balance                              $16,732,636.57


Section 5.8 (xi)             Total Distribution Amount                                      $29,023,846.59

                                                 Servicing Fee                                 $485,506.84
                                                 Administrative Fee                              $1,000.00
                                                 Noteholders' Distribution Amount           $27,736,674.32
                                                 Certificateholders' Distribution Amount      $ 194,810.19
                                                 Deposit to Reserve Account                    $605,855.24









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     $24,853,650.00      $133,649.32      $24,987,299.32     68.09219178           0.36616252               68.45835430
   A-3              $0.00    $1,406,250.00       $1,406,250.00      0.00000000           5.20833333                5.20833333
   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
--------------------------------------------------------------------------------------------------------------------------------
  Total    $24,853,650.00    $2,883,024.32      $27,736,674.32     21.88784676           2.53899103               24.42683780
--------------------------------------------------------------------------------------------------------------------------------




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                                     $ 605,855.24











(C) COPYRIGHT 1998, CHASE MANHATTAN BANK
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