CHASE MANHATTAN BANK USA, N.A. NOTEHOLDERS STATEMENT CHASE CREDIT CARD OWNER TRUST 2002-5 Section 7.3 Indenture Distribution Date: 2/15/2005 - -------------------------------------------------------------------------------- (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 1,685,600.00 Class B Note Interest Requirement 154,622.22 Class C Note Interest Requirement 240,100.00 Total 2,080,322.22 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 2.00667 Class B Note Interest Requirement 2.20889 Class C Note Interest Requirement 2.66778 (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 - --------------------------------------------------------------------------------