Document:

Exhibit 10(d)

	Exhibit 10(b)

	INDEPENDENT AUDITORS’ CONSENT

	We consent to the use in Pre-Effective Amendment No. 5 to
      Registration Statement No. 333-92404 on Form

      N-1A of our report dated October 17, 2002 on Merrill Lynch Basic Value Principal
      Protected Fund of Merrill Lynch Principal Protected Trust and to the reference
      to us under the caption “Independent Auditors”, both of which
      appear in the Statement of Additional Information, which is a part of such
      Registration Statement.

	/s/ Deloitte
      & Touche LLP

	New York, New York 

      November 5, 2002Exhibit 10(c)

	Exhibit 10(c)

	CONSENT OF INDEPENDENT ACCOUNTANTS

	We hereby consent to the incorporation by reference in this
      Registration Statement on Form N-1A of the Merrill Lynch Fundamental Growth
      Principal Protected Fund and the Merrill Lynch Basic Value Principal Protected
      Fund of our report dated January 18, 2002, relating to the financial statements
      of Bank of America Corporation which appears in Bank of America Corporation’s
      Annual Report on Form 10-K for the year ended December 31, 2001.

	/s/ PricewaterhouseCoopers
      LLP

	
      PricewaterhouseCoopers LLP

        Charlotte, North Carolina 

        November 4, 2002Exhibit 10(d)

	Exhibit 10(d)

	CONSENT OF INDEPENDENT ACCOUNTANTS

	We hereby consent to the incorporation by reference in this
      Registration Statement on Form N-1A of the Merrill Lynch Fundamental Growth
      Principal Protected Fund and the Merrill Lynch Basic Value Principal Protected
      Fund of our report dated March 27, 2002, relating to the financial statements
      of Main Place Funding, LLC which appears in Main Place Funding, LLC’s
      Annual Report on Form 10-K for the year ended December 31, 2001.

	/s/ PricewaterhouseCoopers
      LLP

	PricewaterhouseCoopers LLP

      Charlotte, North Carolina 

      November 4, 2002Exhibit 10(d)

	Exhibit 10(e)

	Consent of Morris, Nichols, Arsht &
      Tunnell 

	      We hereby consent to
      the use of our opinion of counsel, incorporated by reference to Exhibit
      9 to Pre-Effective Amendment No. 4 to Merrill Lynch Principal Protected
      Trust's Registration Statement on Form 

      N-1A (File No. 333-92404). In giving this consent, we do not thereby admit
      that we come within the category of persons whose consent is required under
      Section 7 of the Securities Act of 1933, as amended, or the rules and regula-tions
      of the Securities and Exchange Commission thereunder

	/s/ Morris,
      Nichols, Arsht & Tunnell

	Wilmington, Delaware 

      November 5, 2002[LOGO]     WELLS FARGO BANK MINNESOTA,                    EXHIBIT 10.1
WELLS      NATIONAL ASSOCIATION                           FIRST AMENDMENT
FARGO
================================================================================

THIS FIRST AMENDMENT (the "First Amendment") dated to be effective as of August
28, 2002 is between Wells Fargo Bank Minnesota, National Association (the
"Bank") and Medamicus, Inc., a Minnesota corporation (the "Borrower").

BACKGROUND

The Bank and the Borrower entered into a Credit Agreement dated July 31, 2001
(the "Agreement"), pursuant to which the Bank extended to the Borrower a Two
Million and 00/100 Dollars ($2,000,000.00) line of credit (the "Line").
Borrowings under the Line are evidenced by a $2,000,000.00 Revolving Note dated
July 31, 2001 (the "July 2001 Revolving Note").

The Borrower has requested that the Bank increase the Line by One Million and
00/100 Dollars ($1,000,000.00) to Three Million and 00/100 Dollars
($3,000,000.00) and extend the Line Availability Period to August 1, 2003.

The Bank is agreeable to meeting the Borrower's request, provided that the
Borrower agrees to the terms and the conditions of this First Amendment.

Capitalized terms not otherwise defined in this First Amendment shall have the
meaning given them in the Agreement.

In consideration of the above premises, the Bank and the Borrower agree that the
Agreement is hereby amended as of the date of this First Amendment as follows:

1.       Sections 1.1, 1.2, 1.3, and 1.4 of the Agreement are hereby deleted in
         their entirety and restated as follows:

         1.1      Line of Credit Amount. DURING THE LINE AVAILABILITY PERIOD
                  DEFINED BELOW, THE BANK AGREES TO PROVIDE A REVOLVING LINE OF
                  CREDIT (THE "LINE") TO THE BORROWER. OUTSTANDING AMOUNTS UNDER
                  THE LINE SHALL NOT, AT ANY ONE TIME, EXCEED THE LESSER OF THE
                  BORROWING BASE OR THREE MILLION AND 00/100 DOLLARS
                  ($3,000,000.00). THE BORROWING BASE IS DEFINED IN EXHIBIT A-1
                  TO THIS AGREEMENT.

         1.2      Line Availability Period. THE "LINE AVAILABILITY PERIOD" SHALL
                  MEAN THE PERIOD OF TIME FROM THE EFFECTIVE DATE OR THE DATE ON
                  WHICH ALL CONDITIONS PRECEDENT DESCRIBED IN THIS AGREEMENT
                  HAVE BEEN MET, WHICHEVER IS LATER, TO THE LINE EXPIRATION DATE
                  OF AUGUST 1, 2003.

         1.3      The Revolving Note. THE BORROWER'S OBLIGATION TO REPAY
                  ADVANCES UNDER THE LINE SHALL BE EVIDENCED BY A PROMISSORY
                  NOTE (THE "REVOLVING NOTE") DATED AS OF THE EFFECTIVE DATE,
                  AND IN FORM AND CONTENT ACCEPTABLE TO THE BANK. REFERENCE IS
                  MADE TO THE REVOLVING NOTE FOR INTEREST RATE AND REPAYMENT
                  TERMS. THE REVOLVING NOTE SHALL REPLACE, BUT NOT BE DEEMED TO
                  SATISFY THE AUGUST 2000 REVOLVING NOTE AND CORRESPONDING
                  AMENDMENTS.

         1.4      Mandatory Prepayment. IF AT ANY TIME THE PRINCIPAL OUTSTANDING
                  UNDER THE REVOLVING NOTE EXCEEDS THE LESSER OF THE BORROWING
                  BASE OR $3,000,000.00, THE BORROWER MUST IMMEDIATELY PREPAY
                  THE REVOLVING NOTE IN AN AMOUNT SUFFICIENT TO ELIMINATE THE
                  EXCESS.

2.       Section 7.1 (a) and (b) of the Agreement is hereby deleted in its
         entirety and restated as follows:

                                       1
<PAGE>

         (a)      ANNUAL FINANCIAL STATEMENTS. PROVIDE THE BANK WITHIN 120 DAYS
                  OF THE BORROWER'S FISCAL YEAR END, THE BORROWER'S ANNUAL
                  FINANCIAL STATEMENTS. THE STATEMENTS MUST BE AUDITED BY A
                  CERTIFIED PUBLIC ACCOUNTANT ACCEPTABLE TO THE BANK.

         (b)      Annual Covenant Compliance Certificate. Provide the Bank
                  within 120 days of the Borrower's fiscal year end, an Annual
                  Covenant Compliance Certificate in the form of Exhibit D.

3.       Section 7.2 (b) of the Agreement is hereby deleted in its entirety and
         restated as follows:

         (b)      Total Liabilities to Tangible Net Worth. Maintain a ratio of
                  total liabilities to Tangible Net Worth of less than 1.0 to
                  1.0 as of the end of each quarter, beginning with the quarter
                  ending September 30, 2002.

4.       To reflect these changes to the Line, the Borrower will replace the
         existing promissory note by executing and delivering to the Bank a new
         promissory note in form and content acceptable to the Bank (the
         "Revolving Note"), which shall be dated as of the date of this First
         Amendment and which shall replace, but not be deemed to satisfy, the
         August 2001 Revolving Note. The Revolving Note shall evidence the
         unpaid amount due to the Bank as was due to the Bank under the August
         2001 Revolving Note as of the date of this First Amendment. Each
         reference in the Agreement to the Revolving Note shall be deemed to
         refer to the Revolving Note dated as of the date of this First
         Amendment.

5.       The Borrower hereby represents and warrants to the Bank as follows:

                  A. The Agreement as amended by this First Amendment remains in
         full force and effect.

                  B. The Borrower has no knowledge of any default under the
         terms of the Agreement or any note evidencing any of the obligations of
         the Borrower that are documented in the Agreement, or of any event that
         with notice or the lapse of time or both would constitute a default
         under the Agreement or any such notes.

                  C. The execution, delivery and performance of this First
         Amendment and all related documentation described in this First
         Amendment are within its corporate powers, have been duly authorized
         and are not in contravention of law or the terms of the Borrower's
         articles of incorporation or by-laws, or of any undertaking to which
         the Borrower is a party or by which it is bound.

                  D. The resolutions set forth in the Corporate Certificate of
         Authority dated November 15, 2001 and delivered by the Borrower to the
         Bank have not been amended or rescinded, and remain in full force and
         effect.

6.       Except as modified by this First Amendment, the Agreement remains
         unchanged and in full force and effect.

IN WITNESS WHEREOF, the Bank and Borrower have executed this First Amendment to
be effective as of the above date.

WELLS FARGO BANK MINNESOTA,                 MEDAMICUS, INC.
 NATIONAL ASSOCIATION

BY: /s/ TERESA EARL                         BY: /s/ JAMES D. HARTMAN
   ---------------------------------           ---------------------
ITS: VICE-PRESIDENT                         ITS: PRESIDENT & CEO
    --------------------------------            ----------------

                                       2[LOGO]     WELLS FARGO BANK MINNESOTA,                    EXHIBIT 10.2
WELLS      NATIONAL ASSOCIATION                           REVOLVING NOTE
FARGO
================================================================================

$3,000,000.00                                             AUGUST 28, 2002

FOR VALUE RECEIVED, Medamicus, Inc. (the "Borrower") promises to pay to the
order of Wells Fargo Bank Minnesota, National Association (the "Bank"), at its
principal office or such other address as the Bank or holder may designate from
time to time, the principal sum of THREE MILLION AND 00/100 DOLLARS
($3,00,000.00) or the amount shown on the Bank's records to be outstanding, plus
interest (calculated on the basis of actual days elapsed in a 360-day year)
accruing on the unpaid balance at the annual interest rate defined below. Absent
manifest error, the Bank's records will be conclusive evidence of the principal
and accrued interest owing hereunder.

INTEREST RATE. The principal balance outstanding under this Revolving Note shall
bear interest at an annual rate equal to the Base Rate plus 0.0%, floating.

Base Rate means the rate of interest established by Wells Fargo Bank Minnesota,
National Association from time to time as its "base" or "prime" rate of interest
at its principal office in Minneapolis, Minnesota.

DEFAULT RATE OF INTEREST. The interest rate otherwise in effect under this
Revolving Note shall increase by 0.25% for the first 30 days following the
Bank's determination that an event of default under Section 8.1 of the Agreement
has occurred, and that any applicable grace period, if any, has elapsed. The
interest rate shall be increased by an additional 0.25% for each 30 day period
that occurs thereafter until either the indebtedness evidenced by this Revolving
Note is paid in full, the default has been cured to the Bank's satisfaction, or
this Revolving Note is accelerated and the interest after maturity rate
described below becomes effective. The interest rate in effect prior to default
will be reinstated by the Bank to be effective as of the date determined by the
Bank to be the date that the default was cured.

THE BANK'S ASSESSMENT OR ACCEPTANCE OF INTEREST PAID AT AN INCREASED RATE SHALL
NOT CONSTITUTE A WAIVER OF ANY DEFAULT UNDER THE TERMS OF SECTION 8.1 OF THE
AGREEMENT AND THIS REVOLVING NOTE, OR ANY WAIVER OF THE BANK'S RIGHT TO
ACCELERATE OR DEMAND PAYMENT OF THIS REVOLVING NOTE.

INTEREST AFTER MATURITY. The unpaid principal balance and interest due under
this Revolving Note after maturity (whether this Revolving Note matures by
demand, acceleration or lapse of time) shall bear interest until paid at the
Base Rate plus 2.0%, floating.

REPAYMENT TERMS

INTEREST. Interest shall be payable on the first day of each month, beginning
September 1, 2002.

PRINCIPAL. Principal, and any unpaid interest, shall be due on August 1, 2003.

ADDITIONAL TERMS AND CONDITIONS. This Revolving Note is issued pursuant to the
First Amendment of even date amending the Credit Agreement between the Bank and
the Borrower dated July 31, 2001 (the "Agreement") and shall replace but not be
deemed to satisfy the July 2001 Revolving Note as defined in the Agreement . The
Agreement, and any amendments or substitutions, contains additional terms and
conditions, including default and acceleration provisions, which are
incorporated into this Revolving Note by reference. Capitalized terms not
expressly defined herein shall have the meanings given them in the Agreement.
The Borrower agrees to pay all costs of collection, including reasonable
attorneys' fees and legal expenses incurred by the Bank if this Revolving Note
is not paid as provided above. This Revolving Note shall be governed by the
substantive laws of the State of Minnesota.

                                       1
<PAGE>

WAIVER OF PRESENTMENT AND NOTICE OF DISHONOR. Borrower and any other person who
signs, guarantees or endorses this Revolving Note, to the extent allowed by law,
hereby waives presentment, demand for payment, notice of dishonor, protest, and
any notice relating to the acceleration of the maturity of this Revolving Note.

MEDAMICUS, INC.

BY: /s/ JAMES D. HARTMAN
        ----------------

ITS: PRESIDENT & CEO
     ---------------

                                       2

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