<PAGE>
Chase Manhattan Bank USA, N.A.
Noteholders Statement
Chase Credit Card Owner Trust 1999-3
Section 7.3 Indenture Distribution Date: 11/15/2000
--------------------------------------------------------------------------------
(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 426,537.96
Total 5,423,746.50
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 6.30833
(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 9,659,100.00
(v) Required Owner Trust Spread Account Amount 9,659,100.00
By:
-------------------------------------
Name: Patricia M. Garvey
Title: Vice President
--------------------------------------------------------------------------------
