<PAGE>
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Chase Manhattan Bank Revolving Home Equity Loan 1995-1
Statement to Certificateholders
November 15, 2000
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<TABLE>
<CAPTION>
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DISTRIBUTION IN DOLLARS
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ORIGINAL BEGINNING ENDING
FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSSES INTEREST BALANCE
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<S> <C> <C> <C> <C> <C> <C> <C> <C>
A1 357,735,172.00 88,872,609.33 4,150,256.08 508,055.08 4,658,311.16 0.00 0.00 84,722,353.25
A2 40,000,000.00 9,937,251.49 464,059.05 55,981.91 520,040.96 0.00 0.00 9,473,192.44
R 0.00 0.00 0.00 402,905.23 402,905.23 0.00 0.00 0.00
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TOTALS 397,735,172.00 98,809,860.82 4,614,315.13 966,942.22 5,581,257.35 0.00 0.00 94,195,545.69
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SI 8,117,044.50 45,657,430.40 0.00 384,901.01 384,901.01 0.00 0.00 48,229,014.14
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FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES
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CURRENT
BEGINNING ENDING PASS-THRU
CLASS PRINCIPAL PRINCIPAL INTEREST TOTAL PRINCIPAL CLASS RATE
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A1 248.43128740 11.60147619 1.42019885 13.02167504 236.82981122 A1 6.860000%
A2 248.43128725 11.60147625 1.39954775 13.00102400 236.82981100 A2 6.760000%
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TOTALS 248.43128739 11.60147620 2.43112073 14.03259692 236.82981119
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SI 5,624.88358909 0.00000000 47.41886163 47.41886163 5,941.69640686 SI 0.000000%
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</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] (C) COPYRIGHT 2000, CHASE MANHATTAN CORPORATION
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<PAGE>
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Chase Manhattan Bank Revolving Home Equity Loan 1995-1
November 15, 2000
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<TABLE>
<CAPTION>
<S> <C> <C>
Sec. 4.01(i) Principal Collections recieved during the Collection Period 4,708,474.04
Interest Collections recieved during the Collection Period 1,300,119.07
Additional Draw Amount 94,169.48
Sec. 4.01(iii) Floating Allocation Percentage 68.938852%
Fixed Allocation Percentage 98.000000%
Sec. 4.01(iv) Investor Certificate Interest Collections 854,270.87
Sec. 4.01(v) Investor Certificate Principal Collections 4,614,304.56
Sec. 4.01(vi) Seller Interest Collections 384,901.01
Seller Principal Collections 94,169.48
Sec. 4.01(xi) Accelerated Principal Distribution Amount 10.57
Accelerated Principal Distribution Amount Actually Distributed 10.57
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 60,947.19
Accrued and Unpaid Servicing Fees 0.00
Sec. 4.01(xv) Liquidation Loss Amounts (Net of Charge Off Amounts) 0.00
Charge Off Amounts 0.00
Charge Off Amounts allocable to Investor Certificateholders 0.00
Cumulative Loss Amounts 500,157.04
Sec. 4.01(xvi) Pool Balance as of end of preceding Collection Period 146,273,266.60
Pool Balance as of end of second preceding Collection Period 147,881,999.92
Sec. 4.01(xvii) Invested Amount 96,224,796.13
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) 5,102.26
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) 402,905.23
Sec. 4.01(xxvii) Maximum Rate 9.8419%
Weighted Average Net Loan Rate 9.8419%
</TABLE>
[LOGO] (C) COPYRIGHT 2000, CHASE MANHATTAN CORPORATION
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<PAGE>
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Chase Manhattan Bank Revolving Home Equity Loan 1995-1
November 15, 2000
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<TABLE>
<CAPTION>
<S> <C> <C>
Sec. 4.01(xxviii) Minimum Seller Interest 2,884,610.92
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 737,415.10
Amount on deposit in the Spread Account 737,415.10
Spread Account Deposit 4,847.99
Spread Account Withdrawal 117,784.17
</TABLE>
Delinquencies
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Group 1
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Period Number Principal Balance Percentage
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31-60 days 54 1,572,199.30 1.09%
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61-90 days 14 491,705.49 0.34%
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91-120 days 2 62,731.87 0.04%
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121+days 16 412,782.77 0.29%
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Total 86 2,539,419.43 1.76%
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Loans in Foreclosure
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Group 1
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Number Principal Balance Percentage
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0 0.00 0.00%
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Loans in REO
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Group 1
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Number Principal Balance Percentage
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0 0.00 0.00%
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[LOGO] (C) COPYRIGHT 2000, CHASE MANHATTAN CORPORATION
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