Exhibit 28.1


                          ANNUAL SERVICER'S CERTIFICATE
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                         CHASE CREDIT CARD MASTER TRUST
             (formerly known as Chemical Master Credit Card Trust I)

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         The undersigned, a duly authorized representative of The Chase
Manhattan Bank (formerly known as Chemical Bank), a banking corporation
organized and existing under the laws of the State of New York ("Chase"), as
Servicer pursuant to the Third Amended and Restated Pooling and Servicing
Agreement dated as of November 15, 1999 (the "Pooling and Servicing Agreement")
by and among Chase, Chase Manhattan Bank USA, National Association and The Bank
of New York, as trustee (the "Trustee") does hereby certify that:

                  1. Chase is the Servicer under the Pooling and Servicing
Agreement.

                  2. The undersigned is duly authorized pursuant to the Pooling
and Servicing Agreement to execute and deliver this Certificate to the Trustee.

                  3. This Certificate is delivered pursuant to Section 3.5 of
the Pooling and Servicing Agreement.

                  4. A review of the activities of the Servicer during the
calendar year ended December 31,1999 was conducted under the supervision of the
undersigned.

                  5. Based on such review, the Servicer has, to the best of the
knowledge of the undersigned, fully performed all its obligations under the
Pooling and Servicing Agreement throughout such period and no default in the
performance of such obligations has occurred or is continuing except as set
forth in paragraph 6 below.

                  6. The following is a description of each default in the
performance of the Servicer's obligations under the provisions of the Pooling
and Servicing Agreement, including any Supplement, known to the undersigned to
have been made during such period which sets forth in detail (i) the nature of
each such default, (ii) the action taken by the Servicer, if any, to remedy each
such default and (iii) the current status of each such default: NONE


         IN WITNESS WHEREOF, the undersigned has duly executed this certificate
this 21st day of March, 2000.

                                     THE CHASE MANHATTAN BANK,
                                     as Servicer,

                                     By CHASE MANHATTAN BANK USA,
                                     NATIONAL ASSOCIATION


                                     By: /s/Keith Schuck
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                                     Name: Keith Schuck
                                     Title:   Vice President