Exhibit 99.5

                                  CERTIFICATION

                        Chase Manhattan Auto Owner Trust
                           Series 2001-B (the "Trust")

I, Keith W. Schuck, the chief financial officer of Chase Manhattan Bank USA,
National Association, the depositor of assets into 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 sale
         and servicing agreement for inclusion in these reports is included in
         these reports;

4.       Based on my knowledge and upon the annual compliance statement included
         in this annual report and required to be delivered to the trustee in
         accordance with the terms of the pooling and servicing agreement, and
         except as disclosed in this annual report, the servicer has fulfilled
         its obligations under the pooling and servicing 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
         sale and servicing agreement, that is included in this annual report.



Date:    March 28, 2003


/s/ Keith W. Schuck
- --------------------
Name: Keith W. Schuck
Title: Chief Financial Officer
Company: Chase Manhattan Bank USA, National Association