Exhibit 20.1
------------
CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1991-1
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 65
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 83.940965
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 83.333326
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.607639
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 64 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 65 $ 9,600,189,797
C. Investor Interest, end of period 64 $ 83,333,326
D. Investor Interest, end of period 65 $ 0
E. Investor Interest as a percentage
of Trust Principal Receivables, period 64 0.8539%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 65 0.0000%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 60 11.70%
2. Period - 61 12.44%
3. Period - 62 11.37%
4. Period - 63 11.59%
5. Period - 64 11.71%
6. Period - 65 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 97,790,930
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 1,140,199
F. Annualized gross portfolio yield for:
1. Period - 63 17.05%
2. Period - 64 16.55%
3. Period - 65 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 342,231
B. Investor default Percentage for:
1. Period - 63 4.48%
2. Period - 64 3.98%
3. Period - 65 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 10.90%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 63 1.67%
2. Period - 64 1.68%
3. Period - 65 0.59%
4. 3 mo. avg. 1.31%
VI. Monthly Investor Servicing Fee $ 149,306
VII. Draw from Cash Collateral Account $ 0
VIII. Required Cash Collateral Amount $ 0
IX. Available Cash Collateral Amount $ 0
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 0.000000000000
CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1992-1
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 57
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 88.472222
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 83.333333
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 5.138889
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 56 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 57 $ 9,600,189,797
C. Investor Interest, end of period 56 $ 625,000,000
D. Investor Interest, end of period 57 $ 562,500,000
E. Investor Interest as a percentage
of Trust Principal Receivables, period 56 6.4045%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 57 5.8593%
III. Collections During Due Period
A. Aggregate amount of Collections
processed during the preceding
Monthly Period $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 52 11.70%
2. Period - 53 12.44%
3. Period - 54 11.37%
4. Period - 55 11.59%
5. Period - 56 11.71%
6. Period - 57 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
during the preceding
Monthly period $ 74,769,526
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
during the preceding
Monthly Period $ 8,551,490
F. Annualized gross portfolio yield for:
1. Period - 55 17.05%
2. Period - 56 16.55%
3. Period - 57 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 2,566,734
B. Investor default Percentage for:
1. Period - 55 4.48%
2. Period - 56 3.98%
3. Period - 57 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 9.65%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 55 2.92%
2. Period - 56 2.93%
3. Period - 57 1.84%
4. 3 mo. avg. 2.56%
VI. Monthly Investor Servicing Fee $ 1,119,792
VII. Withdrawal from Cash Collateral Account
under Section 4.06 $ 0
VIII. Required Cash Collateral Amount $ 61,875,000
IX. Available Cash Collateral Amount $ 61,875,000
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 0.750000000000
CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1995-1
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 21
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 4.775636
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.000000
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 4.775636
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 20 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 21 $ 9,600,189,797
C. Investor Interest, end of period 20 $ 1,000,000,000
D. Investor Interest, end of period 21 $ 1,000,000,000
E. Investor Interest as a percentage
of Trust Principal Receivables, period 20 10.2472%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 21 10.4165%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 16 11.70%
2. Period - 17 12.44%
3. Period - 18 11.37%
4. Period - 19 11.59%
5. Period - 20 11.71%
6. Period - 21 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 98,218,395
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 13,682,385
F. Annualized gross portfolio yield for:
1. Period - 19 17.05%
2. Period - 20 16.55%
3. Period - 21 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 4,106,774
B. Investor default Percentage for:
1. Period - 19 4.48%
2. Period - 20 3.98%
3. Period - 21 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 7.70%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 19 4.75%
2. Period - 20 4.76%
3. Period - 21 3.75%
4. 3 mo. avg. 4.42%
VI. Monthly Investor Servicing Fee $ 1,791,667
VII. Draw from Cash Collateral Account $ 0
VIII. Required Cash Collateral Amount $ 10,000,000
IX. Available Cash Collateral Amount $ 10,000,000
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 1.000000000000
THE CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1995-2
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 18
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 4.764872
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.000000
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 4.764872
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 17 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 18 $ 9,600,189,797
C. Investor Interest, end of period 17 $ 1,500,000,000
D. Investor Interest, end of period 18 $ 1,500,000,000
E. Investor Interest as a percentage
of Trust Principal Receivables, period 17 15.3708%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 18 15.6247%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 13 11.70%
2. Period - 14 12.44%
3. Period - 15 11.37%
4. Period - 16 11.59%
5. Period - 17 11.71%
6. Period - 18 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 147,327,593
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 20,523,577
F. Annualized gross portfolio yield for:
1. Period - 16 17.05%
2. Period - 17 16.55%
3. Period - 18 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 6,160,161
B. Investor default Percentage for:
1. Period - 16 4.48%
2. Period - 17 3.98%
3. Period - 18 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 7.68%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 16 4.76%
2. Period - 17 4.77%
3. Period - 18 3.76%
4. 3 mo. avg. 4.43%
VI. Monthly Investor Servicing Fee $ 2,687,500
VII. Draw from Cash Collateral Account $ 0
VIII. Required Cash Collateral Amount $ 15,000,000
IX. Available Cash Collateral Amount $ 15,000,000
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 1.000000000000
CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-1
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 10
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 4.751826
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.000000
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 4.751826
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 9 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 10 $ 9,600,189,797
C. Investor Interest, end of period 9 $ 1,500,000,000
D. Investor Interest, end of period 10 $ 1,500,000,000
E. Investor Interest as a percentage
of Trust Principal Receivables, period 9 15.3708%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 10 15.6247%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 5 11.70%
2. Period - 6 12.44%
3. Period - 7 11.37%
4. Period - 8 11.59%
5. Period - 9 11.71%
6. Period - 10 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 147,327,593
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 20,523,577
F. Annualized gross portfolio yield for:
1. Period - 8 17.05%
2. Period - 9 16.55%
3. Period - 10 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 6,160,161
B. Investor default Percentage for:
1. Period - 8 4.48%
2. Period - 9 3.98%
3. Period - 10 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 7.67%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 8 4.78%
2. Period - 9 4.79%
3. Period - 10 3.78%
4. 3 mo. avg. 4.45%
VI. Monthly Investor Servicing Fee $ 2,687,500
VII. Draw from Cash Collateral Account $ 0
VIII. Required Cash Collateral Amount $ 0
IX. Available Cash Collateral Amount $ 0
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 1.000000000000
THE CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-2
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 7
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 0.447579
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.000000
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.447579
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 6 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 7 $ 9,600,189,797
C. Investor Interest, end of period 6 $ 296,703,297
D. Investor Interest, end of period 7 $ 296,703,297
E. Investor Interest as a percentage
of Trust Principal Receivables, period 6 3.0404%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 7 3.0906%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 2 11.70%
2. Period - 3 12.44%
3. Period - 4 11.37%
4. Period - 5 11.59%
5. Period - 6 11.71%
6. Period - 7 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 29,141,722
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 4,059,609
F. Annualized gross portfolio yield for:
1. Period - 5 17.05%
2. Period - 6 16.55%
3. Period - 7 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 1,218,493
B. Investor default Percentage for:
1. Period - 5 4.48%
2. Period - 6 3.98%
3. Period - 7 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 7.75%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 5 4.80%
2. Period - 6 4.81%
3. Period - 7 3.73%
4. 3 mo. avg. 4.45%
VI. Monthly Investor Servicing Fee $ 531,593
VII. Draw from Cash Collateral Account $ 0
VIII. Required Cash Collateral Amount $ 7,862,637
IX. Available Cash Collateral Amount $ 7,862,637
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 1.000000000000
THE CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-3
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 6
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 5.815530
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.000000
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 5.815530
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 5 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 6 $ 9,600,189,797
C. Investor Interest, end of period 5 $ 1,069,519,786
D. Investor Interest, end of period 6 $ 1,069,519,786
E. Investor Interest as a percentage
of Trust Principal Receivables, period 5 10.9596%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 6 11.1406%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 1 11.70%
2. Period - 2 12.44%
3. Period - 3 11.37%
4. Period - 4 11.59%
5. Period - 5 11.71%
6. Period - 6 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 105,046,517
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 14,633,581
F. Annualized gross portfolio yield for:
1. Period - 4 17.05%
2. Period - 5 16.55%
3. Period - 6 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 4,392,276
B. Investor default Percentage for:
1. Period - 4 4.48%
2. Period - 5 3.98%
3. Period - 6 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 9.12%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 4 3.44%
2. Period - 5 3.45%
3. Period - 6 2.37%
4. 3 mo. avg. 3.09%
VI. Monthly Investor Servicing Fee $ 1,916,223
VII. Draw from Cash Collateral Account $ 5,347,599
VIII. Required Cash Collateral Amount $ 16,042,797
IX. Available Cash Collateral Amount $ 16,042,797
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 1.000000000000
CHASE MANHATTAN BANK USA, N.A.
CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-4
MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 6
Monthly Period - Beginning Date 11/01/1996
Monthly Period - End Date 11/30/1996
Determination Date 12/06/1996
Remittance Date 12/16/1996
I. Information Regarding Distributions to Certificateholders
A. Total amount distributed to
Certificateholders (per $1,000
Initial Invested Amount) $ 5.570857
B. Total principal Amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 0.000000
C. Total interest amount
distributed to Certificateholders
(per $1,000 Initial Invested
amount) $ 5.570857
II. Receivables Balances
A. Aggregate Principal Receivables in
Trust, end of period 5 $ 9,758,780,843
B. Aggregate Principal Receivables in
Trust, end of period 6 $ 9,600,189,797
C. Investor Interest, end of period 5 $ 1,069,519,786
D. Investor Interest, end of period 6 $ 1,069,519,786
E. Investor Interest as a percentage
of Trust Principal Receivables, period 5 10.9596%
F. Investor Interest as a percentage
of Trust Principal Receivables, period 6 11.1406%
III. Collections During Due Period
A. Aggregate amount of Collections
processed $ 1,082,926,494
B. Monthly Pay Rate for:
1. Period - 1 11.70%
2. Period - 2 12.44%
3. Period - 3 11.37%
4. Period - 4 11.59%
5. Period - 5 11.71%
6. Period - 6 10.87%
7. 6 mo. avg. 11.61%
C. Collections of Principal Receivables
allocated to Certificateholders $ 105,046,517
D. Amount by which Controlled Amortization
Amount exceeds principal allocated
to Investors $ 0
E. Collections of Finance Charges
allocated to Investor Certificate-
holders $ 14,633,581
F. Annualized gross portfolio yield for:
1. Period - 4 17.05%
2. Period - 5 16.55%
3. Period - 6 16.42%
4. 3 mo. avg. 16.67%
IV. Delinquent Balances
Aggregate Percent of
Account Aggregate
Balances Receivables
A. Less than 30 days delinquent $ 713,075,992.79 7.26%
B. 30 - 59 days delinquent $ 203,853,433.64 2.08%
C. 60 - 89 days delinquent $ 118,113,923.67 1.20%
D. 90 or more days delinquent $ 194,593,029.38 1.98%
E. Total $ 1,229,636,379.48 12.52%
V. Default Summary
A. Aggregate Investor Default Amount $ 4,392,276
B. Investor default Percentage for:
1. Period - 4 4.48%
2. Period - 5 3.98%
3. Period - 6 4.93%
4. 3 mo. avg. 4.46%
C. Investor Charge Offs
1. Aggregate dollar amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
D. Reimbursed Investor Charge Offs
1. Aggregate dollar Amount $ 0
2. Per $1000 of Initial Investor Certificate $ 0
E. Base Rate 8.82%
F. Net Portfolio Yield Minus Base Rate for:
1. Period - 4 3.73%
2. Period - 5 3.74%
3. Period - 6 2.66%
4. 3 mo. avg. 3.38%
VI. Monthly Investor Servicing Fee $ 1,916,223
VII. Draw from Cash Collateral Account $ 5,347,599
VIII. Required Cash Collateral Amount $ 16,042,797
IX. Available Cash Collateral Amount $ 16,042,797
X. Deficit Controlled Amortization
Amount $ 0
XI. Pool Factor 1.000000000000