Exhibit 99.4

                                  CERTIFICATION

                      Chase USA Master Trust (the "Trust")

I, Patricia M. Garvey, a vice president in charge of the reports of the
servicing function of Chase Manhattan Bank USA, National Association for the
above-referenced Trust, certify that:

1.       I have reviewed this annual report on Form 10-K, and all reports on
         Form 8-K containing distribution or servicing reports filed in respect
         of periods included in the year covered by this annual report, of the
         Trust;

2.       Based on my knowledge, the information in these reports, taken as a
         whole, does not contain any untrue statement of a material fact or omit
         to state a material fact necessary to make the statements made, in
         light of the circumstances under which such statements were made, not
         misleading as of the last day of the period covered by this annual
         report;

3.       Based on my knowledge, the distribution or servicing information
         required to be provided to the trustee by the servicer under the
         pooling and servicing agreement, or similar agreement, for inclusion in
         these reports is included in these reports;

4.       I am responsible for reviewing the activities performed by the servicer
         under the pooling and servicing, or similar agreement, and based upon
         my knowledge and the annual compliance review required under the
         pooling and servicing agreement, or similar agreement, and except as
         disclosed in the reports, the servicer has fulfilled its obligations
         under the pooling and servicing agreement, or similar agreement; and

5.       This annual report discloses all significant deficiencies relating to
         the servicer's compliance with the minimum servicing standards based
         upon the report provided by an independent public accountant, after
         conducting a review in compliance with the Uniform Single Attestation
         Program for Mortgage Bankers or similar procedure, as set forth in the
         pooling and servicing agreement, or similar agreement, that is included
         in this annual report.





Date:    March 28, 2003


     /s/ Patricia M. Garvey
- ----------------------------------
Name:    Patricia M. Garvey
Title:   Vice President
Company:   Chase Manhattan Bank USA, National Association