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.  These reports disclose 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 30, 2004


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