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                                                                      EXHIBIT 10

                       NAVISTAR INTERNATIONAL CORPORATION
                          AND CONSOLIDATED SUBSIDIARIES
                       ----------------------------------
                               MATERIAL CONTRACTS


       The following  documents of Navistar  International  Corporation  and its
affiliate Navistar Financial Corporation are incorporated herein by reference.

       10.20   Trust  Agreement  dated  as of June  3,  1999,  between  Navistar
               Financial Retail  Receivables  Corporation,  as Seller, and Chase
               Manhattan  Bank  Delaware,  as Owner  Trustee,  with  respect  to
               Navistar  Financial 1999-A Owner Trust. Filed on Registration No.
               33-50291.

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