Bny Mellon N.A. Watch

from 8-K 30 pages Mellon Premium Finance Loan Owner Trust Depositor Mellon Bank, N.A. Administrator Chase Manhattan Bank USA, National Association Owner Trustee Amended and Restated Trust Agreement Dated as of June 24, 2004 Mellon Bank Pfl Master Note Trust

from 8-K 24 pages Mellon Premium Finance Loan Owner Trust Transferor Afco Credit Corporation Servicer Afco Acceptance Corporation Servicer Premium Financing Specialists, Inc. Back-Up Servicer Premium Financing Specialists of California, Inc. Back-Up Servicer and Wells Fargo Bank, National Association Trustee on Behalf of the Series 2004-MC Holders Series 2004-MC Supplement Dated as of June 24, 2004 to Amended and Restated Pooling and Servicing Agreement Dated as of June 15, 2001 Mellon Bank Premium Finance Loan Master Trust Series 2004-MC

from S-1/A 7 pages Trust Agreement, Dated as of March 1, 2004, Between Mellon Premium Finance Loan Owner Trust, a Delaware Statutory Trust, as Depositor (The “Depositor”), Mellon Bank, N.A., a National Banking Association, as Administrator (The “Administrator”), and Chase Manhattan Bank USA, National Association, a National Banking Association, as Owner Trustee (The “Owner Trustee”). the Depositor, the Administrator and the Owner Trustee Hereby Agree as Follows: 1. Creation of Trust

from S-1/A 27 pages Mellon Premium Finance Loan Owner Trust Transferor Afco Credit Corporation Servicer Afco Acceptance Corporation Servicer Premium Financing Specialists, Inc. Back-Up Servicer Premium Financing Specialists of California, Inc. Back-Up Servicer and Wells Fargo Bank, National Association Trustee on Behalf of the Series 2004-MC Holders Series 2004-MC Supplement Dated as of June [ ], 2004 to Amended and Restated Pooling and Servicing Agreement Dated as of June 15, 2001 Mellon Bank Premium Finance Loan Master Trust Series 2004-MC

from 8-K ~50 pages Mellon Premium Finance Loan Owner Trust Transferor Afco Credit Corporation Servicer Afco Acceptance Corporation Servicer Premium Financing Specialists, Inc. Back-Up Servicer Premium Financing Specialists of California, Inc. Back-Up Servicer and Wells Fargo Bank Minnesota, National Association Trustee on Behalf of the Series 2002-1 Holders Series 2002-1 Supplement Dated as of December 17, 2002 to Amended and Restated Pooling and Servicing Agreement Dated as of June 15, 2001 Mellon Bank Premium Finance Loan Master Trust Series 2002-1

from S-1/A 52 pages Mellon Premium Finance Loan Owner Trust Transferor Afco Credit Corporation Servicer Afco Acceptance Corporation Servicer Premium Financing Specialists, Inc. Back-Up Servicer Premium Financing Specialists of California, Inc. Back-Up Servicer and Wells Fargo Bank Minnesota, National Association Trustee on Behalf of the Series 2002-1 Holders Series 2002-1 Supplement Dated as of [ , 2002] to Amended and Restated Pooling and Servicing Agreement Dated as of [ , 2002] Mellon Bank Premium Finance Loan Master Trust Series 2002-1

from S-1/A ~50 pages Mellon Premium Finance Loan Owner Trust Transferor Afco Credit Corporation Servicer Afco Acceptance Corporation Servicer Premium Financing Specialists, Inc. Back-Up Servicer Premium Financing Specialists of California, Inc. Back-Up Servicer and Wells Fargo Bank Minnesota, National Association Trustee on Behalf of the Series 2001-1 Holders Series 2001-1 Supplement Dated as of June 15, 2001 to Amended and Restated Pooling and Servicing Agreement Dated as of June 15, 2001 Mellon Bank Premium Finance Loan Master Trust Series 2001-1

from S-1 ~50 pages Mellon Premium Finance Loan Owner Trust Transferor Afco Credit Corporation Servicer Afco Acceptance Corporation Servicer Premium Financing Specialists, Inc. Back-Up Servicer Premium Financing Specialists of California, Inc. Back-Up Servicer and Wells Fargo Bank Minnesota, National Association Trustee on Behalf of the Series 2001-1 Holders Series 2001-1 Supplement Dated as of June 15, 2001 to Amended and Restated Pooling and Servicing Agreement Dated as of June 15, 2001 Mellon Bank Premium Finance Loan Master Trust Series 2001-1