Item 1. Business
Item 2.
Item 2. Properties
Item 3.
Item 3. Legal Proceedings
Item 4.
Item 4. Submission Of Matters To A Vote Of Security Holders
PART II
Item 5.
Item 5. Market For Registrant’s Common Equity And Related Stockholder Matters
Item 6.
Item 6. Selected Financial Data
Item 7.
Item 7. Management’s Discussion And Analysis Of Financial Condition And Results Of Operations
Item 7A.
Item 7A. Quantitative And Qualitative Disclosures About Market Risk
Item 8.
Item 8. Financial Statements And Supplementary Data
Item 9.
Item 9. Changes In And Disagreements With Accountants On Accounting And Financial Disclosure
PART III
Item 10.
Item 10. Directors And Executive Officers Of The Registrant
Item 11.
Item 11. Executive Compensation
Item 12.
Item 12. Security Ownership Of Certain Beneficial Owners And Management
Item 13.
Item 13. Certain Relationships And Related Transactions
Item 14.
Item 14. Controls and Procedures
PART IV
Item 15.
Item 15. Exhibits, Financial Statements, Schedules, And Reports On Form 8-K
(a)
Listed below are the documents filed as a part of this report:
Exhibit Number
The Master Trust filed Forms 8-K with the Commission reporting information under Items 5 and 7, dated as follows:
Supplemental Information to be Furnished With Reports Filed Pursuant to Section 15(d) of the Act by
Registrants Which Have Not Registered Securities Pursuant to Section 12 of the Act
No annual report to security holders covering 2002 has been sent to security holders of the registrant. No proxy materials have been sent to the registrant’s security holders with respect to any annual or other meeting of security holders.
Certification
I, Michael A. Bryson, 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 Mellon Bank Premium Finance Loan Master 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, or similar, agreement, for inclusion in these reports is included in these reports;
4. Based on my knowledge and upon the annual compliance statement included in the report and required to be delivered to the trustee in accordance with the terms of the pooling and servicing, or similar, agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under the servicing agreement; and
5. The 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 as specified in the pooling and servicing, or similar, agreement, that is included in these reports.
Date: March 25, 2003
/s/ Michael A. Bryson
Name:
Title: Michael A. Bryson
Executive Vice President &
Chief Financial Officer
Mellon Bank, N.A.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
MELLON BANK, N.A., as registrant
By: /s/ Michael A. Bryson
Name:
Title:
Michael A. Bryson
Executive Vice President &
Chief Financial Officer
MELLON PREMIUM FINANCE LOAN OWNER TRUST, as registrant
By: Mellon Bank, N.A., as administrator
By: /s/ Michael A. Bryson
Name:
Title:
Michael A. Bryson
Executive Vice President &
Chief Financial Officer
MELLON PREMIUM FINANCE LOAN MASTER TRUST, as registrant
By: Mellon Bank, N.A., as administrator
By: /s/ Michael A. Bryson
Name:
Title:
Michael A. Bryson
Executive Vice President &
Chief Financial Officer
Date: March 25, 2003
EXHIBIT INDEX
Exhibit
20.1
Annual Certificateholders Report, Series 2001-1
20.2
Annual Certificateholders Report, Series 2002-1
20.3
Annual Servicer’s Certificate
20.4
Report of Independent Certified Public Accountants
20.5
Annual Aggregate Certificateholders Statement, Series 2001-1
20.6
Annual Aggregate Certificateholders Statement, Series 2002-1