EXHIBIT 20.1 Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 1999-3 Section 7.3 Indenture Distribution Date: 1/15/2003 - ---------------------------------------------------------------------------------------------------------------------------------- (I) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 4,717,500.00 Class B Note Interest Requirement 279,708.54 Class C Note Interest Requirement 133,539.63 Total 5,130,748.17 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 5.55000 Class B Note Interest Requirement 5.79167 Class C Note Interest Requirement 1.97500 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 850,000,000 Class B Note Principal Balance 48,295,000 Class C Note Principal Balance 67,615,000 (iv) Amount on deposit in Owner Trust Spread Account 38,636,400.00 (v) Required Owner Trust Spread Account Amount 38,636,400.00 By: -------------------------------- Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2000-1 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 993,750.00 Class B Note Interest Requirement 92,187.50 Class C Note Interest Requirement 143,972.96 Total 1,229,910.46 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.32500 Class B Note Interest Requirement 1.47500 Class C Note Interest Requirement 1.79167 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 750,000,000 Class B Note Principal Balance 62,500,000 Class C Note Principal Balance 80,357,000 (iv) Amount on deposit in Owner Trust Spread Account 8,928,570.00 (v) Required Owner Trust Spread Account Amount 8,928,570.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2000-2 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,140,000.00 Class B Note Interest Requirement 106,875.00 Class C Note Interest Requirement 168,750.75 Total 1,415,625.75 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.26667 Class B Note Interest Requirement 1.42500 Class C Note Interest Requirement 1.75000 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 900,000,000 Class B Note Principal Balance 75,000,000 Class C Note Principal Balance 96,429,000 (iv) Amount on deposit in Owner Trust Spread Account 10,714,290.00 (v) Required Owner Trust Spread Account Amount 10,714,290.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2000-3 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 968,750.00 (i) 92,187.50 Class C Note Interest Requirement 141,964.03 Total 1,202,901.53 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.29167 Class B Note Interest Requirement 1.47500 Class C Note Interest Requirement 1.76667 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 750,000,000 Class B Note Principal Balance 62,500,000 Class C Note Principal Balance 80,357,000 (iv) Amount on deposit in Owner Trust Spread Account 8,928,570.00 (v) Required Owner Trust Spread Account Amount 8,928,570.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2001-1 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 928,200.00 Class B Note Interest Requirement 90,241.67 Class C Note Interest Requirement 144,712.50 Total 1,163,154.17 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.30000 Class B Note Interest Requirement 1.51667 Class C Note Interest Requirement 1.89167 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 714,000,000 Class B Note Principal Balance 59,500,000 Class C Note Principal Balance 76,500,000 (iv) Amount on deposit in Owner Trust Spread Account 8,500,000.00 (v) Required Owner Trust Spread Account Amount 8,500,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2001-2 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 641,666.67 Class B Note Interest Requirement 61,804.57 Class C Note Interest Requirement 103,572.53 Total 807,043.77 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.28333 Class B Note Interest Requirement 1.48333 Class C Note Interest Requirement 1.93333 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 500,000,000 Class B Note Principal Balance 41,666,000 Class C Note Principal Balance 53,572,000 (iv) Amount on deposit in Owner Trust Spread Account 5,952,380.00 (v) Required Owner Trust Spread Account Amount 5,952,380.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2001-3 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 931,250.00 Class B Note Interest Requirement 91,666.67 Class C Note Interest Requirement 152,008.66 Total 1,174,925.33 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.24167 Class B Note Interest Requirement 1.46667 Class C Note Interest Requirement 1.89167 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 750,000,000 Class B Note Principal Balance 62,500,000 Class C Note Principal Balance 80,357,000 (iv) Amount on deposit in Owner Trust Spread Account 8,928,570.00 (v) Required Owner Trust Spread Account Amount 8,928,570.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2001-4 Section 7.3 Indenture Distribution Date: 1/15/2003 - ---------------------------------------------------------------------------------------------------------------------------------- (i) Amount of Net Swap Payment 0.00 Amount of Net Swap Receipt 2,768,990.00 (ii) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (iii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest 3,850,000.00 Class B Note Interest 105,000.00 Class C Note Interest 174,000.00 Total 4,129,000.00 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest 4.58333 Class B Note Interest 1.50000 Class C Note Interest 1.93333 (iv) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 840,000,000 Class B Note Principa lBalance 70,000,000 Class C Note Principal Balance 90,000,000 (v) Amount on deposit in Owner Trust Spread Account 10,000,000.00 (vi) Required Owner Trust Spread Account Amount 10,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2001-5 Section 7.3 Indenture Distribution Date: 1/15/2003 - ---------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,596,000.00 Class B Note Interest Requirement 163,625.00 Class C Note Interest Requirement 272,250.00 Total 2,031,875.00 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.26667 Class B Note Interest Requirement 1.55833 Class C Note Interest Requirement 2.01667 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 1,260,000,000 Class B Note Principal Balance 105,000,000 Class C Note Principal Balance 135,000,000 (iv) Amount on deposit in Owner Trust Spread Account 15,000,000.00 (v) Required Owner Trust Spread Account Amount 15,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2001-6 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,302,000.00 Class B Note Interest Requirement 133,000.00 Class C Note Interest Requirement 226,800.00 Total 1,661,800.00 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.29167 Class B Note Interest Requirement 1.58333 Class C Note Interest Requirement 2.10000 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 1,008,000,000 Class B Note Principal Balance 84,000,000 Class C Note Principal Balance 108,000,000 (iv) Amount on deposit in Owner Trust Spread Account 12,000,000.00 (v) Required Owner Trust Spread Account Amount 12,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-1 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,064,000.00 Class B Note Interest Requirement 105,583.33 Class C Note Interest Requirement 180,000.00 Total 1,349,583.33 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.26667 Class B Note Interest Requirement 1.50833 Class C Note Interest Requirement 2.00000 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 840,000,000 Class B Note Principal Balance 70,000,000 Class C Note Principal Balance 90,000,000 (iv) Amount on deposit in Owner Trust Spread Account 10,000,000.00 (v) Required Owner Trust Spread Account Amount 10,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-2 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,440,600.00 Class B Note Interest Requirement 142,916.67 Class C Note Interest Requirement 243,600.00 Total 1,827,116.67 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.22500 Class B Note Interest Requirement 1.45833 Class C Note Interest Requirement 1.93333 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 1,176,000,000 Class B Note Principal Balance 98,000,000 Class C Note Principal Balance 126,000,000 (iv) Amount on deposit in Owner Trust Spread Account 14,000,000.00 (v) Required Owner Trust Spread Account Amount 14,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-3 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,669,500.00 Class B Note Interest Requirement 163,625.00 Class C Note Interest Requirement 275,625.00 Total 2,108,750.00 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.32500 Class B Note Interest Requirement 1.55833 Class C Note Interest Requirement 2.04167 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 1,260,000,000 Class B Note Principal Balance 105,000,000 Class C Note Principal Balance 135,000,000 (iv) Amount on deposit in Owner Trust Spread Account 15,000,000.00 (v) Required Owner Trust Spread Account Amount 15,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-4 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,543,500.00 Class B Note Interest Requirement 151,375.00 Class C Note Interest Requirement 254,250.00 Total 1,949,125.00 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.22500 Class B Note Interest Requirement 1.44167 Class C Note Interest Requirement 1.88333 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 1,260,000,000 Class B Note Principal Balance 105,000,000 Class C Note Principal Balance 135,000,000 (iv) Amount on deposit in Owner Trust Spread Account 15,000,000.00 (v) Required Owner Trust Spread Account Amount 15,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-5 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,064,000.00 Class B Note Interest Requirement 103,833.33 Class C Note Interest Requirement 177,750.00 Total 1,345,583.33 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.26667 Class B Note Interest Requirement 1.48333 Class C Note Interest Requirement 1.97500 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 840,000,000 Class B Note Principal Balance 70,000,000 Class C Note Principal Balance 90,000,000 (iv) Amount on deposit in Owner Trust Spread Account 10,000,000.00 (v) Required Owner Trust Spread Account Amount 10,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President \ Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-6 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,139,600.00 Class B Note Interest Requirement 113,575.00 Class C Note Interest Requirement 203,775.00 Total 1,456,950.00 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 1.23333 Class B Note Interest Requirement 1.47500 Class C Note Interest Requirement 2.05833 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 924,000,000 Class B Note Principal Balance 77,000,000 Class C Note Principal Balance 99,000,000 (iv) Amount on deposit in Owner Trust Spread Account 11,000,000.00 (v) Required Owner Trust Spread Account Amount 11,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-7 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 1,668,997.58 Class B Note Interest Requirement 167,564.38 Class C Note Interest Requirement 312,302.42 Total 2,148,864.38 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 2.64920 Class B Note Interest Requirement 3.19170 Class C Note Interest Requirement 4.62670 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 630,000,000 Class B Note Principal Balance 52,500,000 Class C Note Principal Balance 67,500,000 (iv) Amount on deposit in Owner Trust Spread Account 7,500,000.00 (v) Required Owner Trust Spread Account Amount 7,500,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President Chase Manhattan Bank USA, N.A. Noteholders Statement Chase Credit Card Owner Trust 2002-8 Section 7.3 Indenture Distribution Date: 1/15/2003 - ----------------------------------------------------------------------------------------------------------------------------------- (i) Amount of the distribution allocable to principal of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total Amount of the distribution allocable to the principal on the Notes per $1,000 of the initial principal balance of the Notes Class A Principal Payment 0.00 Class B Principal Payment 0.00 Class C Principal Payment 0.00 Total (ii) Amount of the distribution allocable to the interest on the Notes Class A Note Interest Requirement 2,118,658.08 Class B Note Interest Requirement 213,685.95 Class C Note Interest Requirement 387,159.08 Total 2,719,503.11 Amount of the distribution allocable to the interest on the Notes per $1,000 of the initial principal balance of the Notes Class A Note Interest Requirement 2.29292 Class B Note Interest Requirement 2.77514 Class C Note Interest Requirement 3.91070 (iii) Aggregate Outstanding Principal Balance of the Notes Class A Note Principal Balance 924,000,000 Class B Note Principal Balance 77,000,000 Class C Note Principal Balance 99,000,000 (iv) Amount on deposit in Owner Trust Spread Account 11,000,000.00 (v) Required Owner Trust Spread Account Amount 11,000,000.00 By: ------------------------ Name: Patricia M. Garvey Title: Vice President