<PAGE>
Page 1 of 3
Chase Manhattan Bank Revolving Home Equity Loan 1995-1
Statement to Certificateholders
December 15, 2000
<TABLE>
<CAPTION>
DISTRIBUTION IN DOLLARS
----------------------------------------------------------------------------------------------------------------------------------
ORIGINAL BEGINNING ENDING
FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSSES INTEREST BALANCE
----- --------- ------------ ---------- --------- ----- --------- --------- ------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A1 357,735,172.00 84,722,353.25 3,691,369.42 483,888.19 4,175,257.61 0.00 0.00 81,030,983.83
A2 40,000,000.00 9,473,192.44 412,748.84 53,760.37 466,509.21 0.00 0.00 9,060,443.60
R 0.00 0.00 0.00 396,965.04 396,965.04 0.00 0.00 0.00
-------------- -------------- ------------- ----------- ------------ ------- ----- --------------
TOTALS 397,735,172.00 94,195,545.69 4,104,118.26 934,613.60 5,038,731.86 0.00 0.00 90,091,427.43
-------------- -------------- ------------- ----------- ------------ -------- ----- --------------
SI 8,117,044.50 48,229,014.14 0.00 406,238.98 406,238.98 3,985.71 0.00 50,083,202.39
============== ============== ============= =========== ============ ======== ===== ==============
</TABLE>
<TABLE>
<CAPTION>
FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES
-------------------------------------------------------------- ------------------
CURRENT
BEGINNING ENDING PASS-THRU
CLASS PRINCIPAL PRINCIPAL INTEREST TOTAL PRINCIPAL CLASS RATE
----- --------- --------- -------- ----- --------- ----- ----------
<S> <C> <C> <C> <C> <C> <C> <C>
A1 236.82981122 10.31872097 1.35264360 11.67136456 226.51109025 A1 6.853750 %
A2 236.82981100 10.31872100 1.34400925 11.66273025 226.51109000 A2 6.810000 %
------------- ------------ ------------ ------------ --------------- -----------
TOTALS 236.82981119 10.31872097 2.34983895 12.66855992 226.51109022
--------------- ------------ ------------ ------------ ---------------
SI 5,941.69640686 0.00000000 50.04764727 50.04764727 6,170.12785750 SI 0.000000 %
=============== ============ ============ ============ =============== ==========
</TABLE>
IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE
ADMINISTRATOR LISTED BELOW:
Daniel Randall
The Chase Manattan Bank - Structured Finance Services
450 West 33rd Street, 14th Floor
New York, New York 10001
Tel: (212) 946-7172
[LOGO] CHASE (C) COPYRIGHT 2000, CHASE MANHATTAN CORPORATION
<PAGE>
Page 2 of 3
Chase Manhattan Bank Revolving Home Equity Loan 1995-1
December 15, 2000
<TABLE>
<S> <C> <C>
Sec. 4.01(i) Principal Collections recieved during the Collection Period 4,179,712.82
Interest Collections recieved during the Collection Period 1,280,617.99
Additional Draw Amount 83,594.26
Sec. 4.01(iii) Floating Allocation Percentage 66.715962 %
Fixed Allocation Percentage 98.000000 %
Sec. 4.01(iv) Investor Certificate Interest Collections 814,282.95
Sec. 4.01(v) Investor Certificate Principal Collections 4,096,118.56
Sec. 4.01(vi) Seller Interest Collections 406,238.98
Seller Principal Collections 83,594.26
Sec. 4.01(xi) Accelerated Principal Distribution Amount 10.56
Accelerated Principal Distribution Amount Actually Distributed 10.56
Sec. 4.01(xiii) Amount Required to be Paid by Seller 0.00
Amount Required to be Paid by Servicer 0.00
Sec. 4.01(xiv) Servicing Fee 60,096.06
Accrued and Unpaid Servicing Fees 0.00
Sec. 4.01(xv) Liquidation Loss Amounts (Net of Charge Off Amounts) -17.71
Charge Off Amounts 11,992.55
Charge Off Amounts allocable to Investor Certificateholders 0.00
Cumulative Loss Amounts 835,213.51
Sec. 4.01(xvi) Pool Balance as of end of preceding Collection Period 144,230,545.79
Pool Balance as of end of second preceding Collection Period 146,273,266.60
Sec. 4.01(xvii) Invested Amount 92,120,677.87
Sec. 4.01(xxi) Has a Rapid Amortization Event Ocurred? YES
Sec. 4.01(xxii) Has an Event of Default Ocurred? NO
Sec. 4.01(xxiii) Amount Distributed to Credit Enhancer per 5.01(a)(1) 4,880.39
Amount Distributed to Credit Enhancer per 5.01(a)(6) 0.00
Unreimbursed Amounts Due to Credit Enhancer 0.00
Sec. 4.01(xxiv) Guaranteed Principal Distribution Amount 0.00
Sec. 4.01(xxv) Credit Enhancement Draw Amount 0.00
Sec. 4.01(xxvi) Amount Distributed to Seller per 5.01(a)(10) 396,965.04
Sec. 4.01(xxvii) Maximum Rate 9.8449 %
Weighted Average Net Loan Rate 9.8449 %
</TABLE>
[LOGO] CHASE (C) COPYRIGHT 2000, CHASE MANHATTAN CORPORATION
<PAGE>
Page 3 of 3
Chase Manhattan Bank Revolving Home Equity Loan 1995-1
December 15, 2000
<TABLE>
<S> <C> <C>
Sec. 4.01(xxviii) Minimum Seller Interest 2,839,612.53
Sec. 4.01(xxix) Required Servicer Advance 0.00
Unreimbursed Required Servicer Advance 0.00
Required Servicer Advance Reimbursement 0.00
Sec. 4.01(xxx) Spread Account Requirement 608,214.28
Amount on deposit in the Spread Account 608,214.28
Spread Account Deposit 4,009.91
Spread Account Withdrawal 133,210.73
</TABLE>
<TABLE>
<CAPTION>
Delinquencies
Group 1
-------------------------------------------------------------------------
Period Number Principal Balance Percentage
<S> <C> <C> <C> <C>
0-30 days 0 0.00 0.00 %
31-60 days 51 1,523,125.13 1.07 %
61-90 days 8 276,461.28 0.19 %
91-120 days 3 35,786.47 0.03 %
121+ days 13 389,344.42 0.27 %
--- -------------- --------
Total 75 2,224,717.30 1.56 %
</TABLE>
Loans in Foreclosure
Group 1
---------------------------------------------------------
Number Principal Balance Percentage
------ ------------------ -----------
0 0.00 0.00 %
Loans in REO
Group 1
---------------------------------------------------------
Number Principal Balance Percentage
------ ------------------ -----------
0 0.00 0.00 %
[LOGO] CHASE (C) COPYRIGHT 2000, CHASE MANHATTAN CORPORATION