EXHIBIT 31.1
Certification
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 PFL Master Note 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.
