i!0(57 I 57 5:5 I I• -=1J I 01 C::l\:i I :>:LU C::::><:::r c: I This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

FINAL CONTACTS JUDY BROWN 913/295-2745 (0) 913/836-2319 (H) JO-ANNE COE 202-408*"5086 (0) 703-845-1714 (H) CATHIE YAGER 316/263-4956 (0) 316/681-3804 (H) DAVE SPEARS 316/263-4956 (0) 316/755-3010 (H) GALE GROSCH ,. 913/371-6108 (0) 913/768-1414 (H) DIANA DOOMS 316/263-4956 (0) 316/683-8724 (H) , WEATHER; FRIDAY, MA.RCH 19 - MOSTLY CLOUDY AND WARMER, HIGHS 45-50, WITH 40% CHANCE OF RAIN, LIGHT SOUTH WINDS. SATURDAY, MARCH 20 - PARTLY CLOUDY, DRY CONDITIONS WITH HIGHS NEAR 50.

KfWSAS SCHEDULE FOR SENATOR DOLE, FRIDAY, MARCH 19- SATUROAY, MARCH 20, 1993 FRIDAY, MARCH 19

2;25 P.M. LEAVE CAPITOL FOR WASHINGTON NATIONAL DRlVER: WILBERT

2i45 P.M. LEAVE WASHINGTON FOR WICHITA SIGNATURE AVIATION

AIRCRAFTs CESSNA CITATION 6 TAIL NO.s 222 CD SEATS; 7 PILOTz WILL DIRKS CO-PILOT: JIM LA.PINE FLIGHT TIME: 3 HRS.

CONTACTi LYNETTE CARMELLl 316/941-6256 (o) 316/943-2901 (h)

Page 1 of 86 eJ::il I :p :'"5 I I · ._I. I I OJ C:i" I _.,...... , c::sc; """" This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

2 MANIFEST: SENATOR DOLE DAN STANLEY

ARRIVE WICHITA - JABARA AIRPORT MIDWEST CORPORATE ~VIATION 316/682-5551

MET BYi DAVE SPEARS, DIANA DOOMS AND MIKE GLASSNER

4a45 P.M. INTERVIEW WITH RAINBOW UNITED, INC., TO TO BE USED IN A VIDEO AT A NUMBER OF 5:05 P.M. EVENTS THIS SPRING. CONFERENCE ROOM - MIDWEST CORPORATE AVIATION

CONTACT: DIANE ISEMAN 316/683-7061

5i05 P.M. LV. JABARA AIRPORT FOR GALLOWAY HOME - GOP FUNDRAISER.

DRIVER; DIANA DOOMS DRIVE TIME: 10 MINS,

5tl5 P.M. WICHITA - FUNDRAISING RECEPTION FOR THE TO KANSAS REPUBLICAN PARTY - HOME OF JAY G;30 P.M. AND HELEN GALLOWAY, 8000 KILLARNEY, 316/634-2651 (H) 316/685-3241 (0)

6:30 P.M. LV, GALLOWAY HOME FOR ST. FRANCIS MEDICAL CENTER

DRIVER: DIANA DOOMS DRIVE TIME: 15 MINS.

7&00 P.M. WICHITA - ST. FRAJ'!CIS REGIONAL MEQICAL TO CENTER, 929 N. ST. FRANCIS - PEDICATION BsOO P.M. OF NEW DIAGNOSTIC SERVICES BLDG. 316/268-6020

Page 2 of 86 TOPEKA 913 295 d'(4 l:::l 03/ 19/This 93 document11:5 is from5 the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

3 CONTACT: LARRY BAKER 316/268-8591 PROGRAM AS FOLLOWS:

7:00 P.M. - ARRIVE MEDICAL CENTER LOBBY, MlX AND MINGLE WITH 800-1000 ATTENDING THE EVENINGS ACTIVITIES.

7:30 P.M, - WELCOME - FRANK SHAW, CHAIRMAN • OF THE BOARD ST. FRANCIS MEDICAL CENTER

7t33 P.M. - BRIEF REMARKS/ACKNOWLEDGEMENTS SISTER SYLVIA EGAN 7:38 P.M. - BRIEF REMAllKS/ACKNOWLEDGEMENTS DR. GIROUX 7t42 P.M. - INTRODUCTION OF SENATOR DOLE FRANK SHAW, CHAIRMAN OF THE BOARD

7:45 P,M. - SPEAK - SENATQR DOLE

8:20 P.M. LV, ST. FRANCIS FOR WICHITA CLUB

DRIVER; DIANA DOOMS DRIVE TIME: 10 MINS.

9:30 P.M. WICHITA CLUB - DINNER WITH 10 TO CONTRIBUTORS - BEING ARRANGED BY 9a30 P.M. KIM WELLS - DETAILS TO FOLLOW 316/263-5271 OPTION - DIANA CAN EITHER STAY FOR DINNER, OR SHE CAN TAKE YOUR LUGGAGE ON TO THE HOTEL AND BE THROUGH FOR THE EVENING.

9a30 P.M. LV. WICHITA CLUB FOR AIRPORT HILTON

Page 3 of 86 ------.,.r<"TT':;>T'::)~3--1,-,1....,., ...,,._10~----,,,.,,,u1r11 c=•""''" r-1 -::r.::;1..::or-=z:::;:;""'"' ,-'- • --i '-J This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu ...... ,. ~ ··

4 DRIVER; DIANA DOOMS OR KIM WELLS DRIVE TIME; 10 MINS.

9145 P.M. AR. AlRPORT HlLTON

noN - AIRPORT HILTON 316/945-5272

YOUR ROOM WILL BE PAID FOR BY ST, FRANCIS MEDICAL CENTER - MIKE GLASSNER WILL ALSO BE AT THE HIL~ON. SATURDAY, MARCH 20

8:25 A.M. LV. AIRPORT HILTON FOR ASCENSION LUTHERAN CHURCH

DRIVER: CATHIE YAGER DRIVE TIME: 10 MINS.

8a35 A.M. WICHITA - ASCENSION LUTHERAN CHURCH, TO 042 N. TYLER - AID ASSOCIATION FOR LUTHERANS 9:30 A.M CONTINENTAL BREAKFAST INFORMATION AND TALKING POINTS IN BRIEFIN~ BOOK

ASCENSION LUTHERAN CHURCH 316/722-4694

ANTICIPATED ATTENDANCES 100-150

9;40 A.M. - AAL VOLUNTEER PRESENTERS TO 9:00 A.M.

9;00 A,M. - SENATOR'S REMARKS ( 10 MINS.) FOLLOWED BY Q & A CONTACT: MIKE TONN, LEGICATOR PRESIDENT, AAL BRANCH, HAVEN, KS. 316/665-3382

9:30 A.M. LV. ASCENSION LUTHERAN CHURCH FOR CESSNA

Page 4 of 86

~· eJJ/ 157 5::J I I • ._ID IOI Ci:L::::Ji z:::;w ....,., -, ,_, This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu ~ ·

5 DRIVER; CATHIE YAGER DRIVE TIMEi 15 MINS.

9:45 A.M. LV. WICHITA FOR KANSAS CITY AlRCRAFT; CESSNA CITATION 6 TAIL NO.; 222 CD SEATS: 7 PILOTr Will Dirks CO-PILOT: Jim Lapine FLIGHT TIME: 45 MINS.

CONTACT: LYNETTE CARMELL! 316/941-6256 (o) 316/943-2901 (h)

MANIFEST: SENATOR DOLE MIKE GLASSNER 10:30 A.M. AR, KANSAS CITY - DOWNTOWN MUNICIPAL EXECUTIVE BEECHCRAFT: 815/842-8484

MET BY: GALE GROSCH DRIVE TIME: 30 MINS.

11:00 A.M. KANSbS CITY, KS. - PROVIDENCE-ST. TO MAR.GARE~ HEALTH CENTER - 8929 PARALLEL 12:15 P.M. PARKWAY, K.C., KS. - SPECIAL PROGRAM TO ANNOUNCE A "YEAR OF HEALTH 0 AND THE UNVEILING OF A NEW NAME ANO LOGO - AND TO ANNOUNCE FREE PROSTATE SCREENING.

PROVIDENCE-ST. MARGARET 913/596-4000

CONTACTi THERESE HORVATs 913/596-4852

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6 PROGRAM AS FOLLOWS;

11:00 A.M. - PROGRAM BEGINS

WELCOME - SISTER ANN MARITA INTRODUCTION OF SENATOR BOARD CHAIRMAN DONALD BIGGS/ SISTER ANN MARITA

llt05 A.M. - HEALTH CARE REFORM, PREVENTATIVE HEALTH CARE - SE~ATQR QOLE ' REMARKS - VICKl HART

11120 A.M. - 11:30 A.M. - ANNOUNCEMENT OF NEW NAME, LOGO, YEAR OF HEALTH SISTER ANN MARITA/MR. BIGGS 11130 A.M. RECEPTION

11150 A,M. LIVE INTERVIEW (VIA TELEPHONE) WITH LORRELL Ll\..BOUBE, GREATER KANSAS CITY MEDICAL SOCIETY - KMBZ RADIO STATUS OF HEALTH CARE REFORM STUDIO NUMBER - 913/236-8295 CALLER SHOUJ.iD INDICATE SgNATOR DOLE IS CALLING FOR LIVE INTERVIEW WITH LORRELL LABOUJ}E

CONTACT: LORRELL LABOUBE 816/531-8432

NOON COMMUNITY FORUM ON PROSTATE CANCER SENATOR DOLE TESTIMONIAL

12a15 P.M. LV, PROVIDENCE ST. MARGARET FOR DEER CREEK GOLF CLUB

DRIVERz GALE DRIVE TIME: 35 MINS.

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7

12150 P.M. 1992 CANCER GOLF CLASSIQ BENEFIT LUNCHEON - DEER CREEK GOLF CLUB, 133RD AND METCALF, OVERLAND PARK FORMAL ANNOUNCEMENT OF SENATOR DOLE AS CANCER PATIENT OF THE YEAR.

DEER CREEK GOLF CLUB, 133 & METCALF 913/681-3199

PROGRAM AS FOLLOWS:

12i30 P.M. - 1:30 P.M. - LUNCH

1130 P.M. - WELCOME - LARRY MOORE, KMBC TV - 1992 CANCER PATIENT OF THE YEAR.

1:35-1140 P.M. - BOB JOHANNES

1:40 P.M. - INTRODUCTION OF SENATOR BY LARRY MOORE

1:45 P.M. - SPE!MS - SENATQR DOLE

PRESS CONFERENCE IMMEDIATELY FOLLOWING SENATOR'S REMARKS

CONTACT: BOB JOHANNES 016/943-1436

3115 P.M. OPEN TO 4:15 P.M.

4a30 P.M. LV. JOHNSON COUNTY EXECUTIVE AIRPORT FOR CHICAGO - KANSAS CITY AVIATION CENTER - 913/782-0530

JO-ANNE'S SCHEDULE PICKS UP FROM HERE.

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FINAL 3/19/93

CONTACT: Jo-Anne Coe 202/408-5105 (0) 202/408-5117 (FAX) 703/845-1714 (H)

SENATOR OOLE SCHEDULE -- MARCH 20-21, 1993

Saturday, March 20 (Pick up from Kansas schedule) 4:20 PM Ar. Johnson County Executive Airport Olathe, Kansas Kansas City Aviation 913/782-0530

4:30 PM Lv. Olathe AIRCRAFT: Scott Aviation Charter Citation TAIL NO: 106 WV

PILOT: Eric Karolec CO-PILOT: Wayne Sherman

MANIFEST: Senator Dole Mike Glassner

FLIGHT TIME: 1 hr 15 mins

CONTACT: Scott Aviation 708/466-4884

NOTE: Illinois GOP still looking for a corporate plane; you will be notified if there is a change in aircraft and Tail No.

5:45 PM Ar. Chicago, Illinois O'Hare Airport 312/686-7000

MET BY: Jennifer Smith Patricia J. Hurley & Assocs., Inc. 312/553-2000 312/553-2007 (FAX)

Aries Charter (Town Car) - Driver, Ralph 312/666-4462

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PAGE TWO

Saturday, March 20 (continued):

6:00 PM Ar. O'Hare Marriott 8535 West Higgins Chicago 312/693-4444 312/714-4296 (FAX)

6:15 PM Proceed to Grand Ballroom, Salon 4 6:15 PM- Attend "IT'S A REPUBLICAN PARTY!" 7:00 PM Reception/Rally - Proceeds to Cook County GOP CROWD SIZE: 300 @ $100 per person EVENT RUNS: 5:30-7:30 PM

Master of Ceremonies: Manny Hoffman, Chairman Cook County GOP Central Cmte.

, 7: 00 PM Proceed to Washington Room PHOTO OP ON ARRIVAL

7:00 PM- Attend/Speak - ILLINOIS REPUBLICAN STATE COMMITTEE 9: 00 PM SPECIAL DINNER CROWD SIZE: 80 @ $1,500 per couple (Tentative guest list attached)

CONTACT: Pat Hurley 312/553-2000 (0) 312/553-2007 (FAX) 312/975-0262 (H)

Dinner Chairman: William Smithburg, Chairman, Quaker oats Corp.

VIP's in attendance: House GOP Leader Bob Michel Rep. J. Dennis Hastert (CD 14) Rep. Thomas w. Ewing (CD 15) State Senate President James "Pate" Philip House Minority Leader Lee Daniels State GOP Chairman Al Jourdan GOP Nat'l Committeeman Harold Smith

PROGRAM: 7:30 - Dinner is served 8:30 - Bill Smithburg introduces Bob Michel 8:35 - Remarks and Intro. Sen. Dole - Bob Michel

8:40 - REMARKS - SENATOR DOLE Q&A to follow 9:00 - Program concludes

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PAGE THREE

Saturday, March 20 (continued):

9:00 PM Depart Marriott O'Hare Ground Transportation: Bill Smithburg

9:45 PM Ar. The Four Seasons Hotel 120 East Delaware Chicago 312/280-8800 312/280-9184 (FAX) Senator Dole and Mike Glassner will be pre-checked in, keys will be given to Mike at Dinner

Dole Confirmation No. (Junior Suite): #CFS501277 Glassner Conf. No.: #CFS501276

RON: Four Seasons

Sunday, March 21

9:00 AM Lv. Four Seasons CNN/Lee Daniels will provide transportation

9:30 AM- CNN NEWSMAKER SUNDAY -- LIVE 10:00 AM CNN Bureau Tribune Tower - 435 N. Michigan Avenue suite 715 312/645-8555

10:05 AM Chicagoland Cable TV News 435 N. Michigan Avenue - 4th Floor Studio (Between Tribune's City Desk and Editor's Desk) 312/222-5013 Pager: 708/281-0932

10:20 AM WGN-AM & TV (Orien Samuelson) WGN-AM Radio Studio 435 N. Michigan Avenue - 1st Floor 312/222-4700

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PAGE FOUR

Sunday, March 21 (continued):

11:00 AM- PRESS CONFERENCE with State Rep. Lee Daniels 11:30 AM Four Seasons Hotel - La Salle Room 312/280-8800

CONTACT: Dan Long Deputy Chief of Staff to Lee Daniels 217/782-4014 Mike Trestano Chief of Staff 312/814-2053

11:45 AM- PHOTO OP WITH GOP STATE LEGISLATORS 12:00 PM Four Seasons Hotel - La Salle Room CONTACT: Representative Lee Daniels 217/782-4014

12:00 PM Proceed to Delaware Room

12:00 PM- Attend BRUNCH with Major Political and Corporate 1:00 PM Representatives from Chicago Area Four Seasons Hotel - Delaware Room 312/280-8800

CROWD SIZE: 20-25

CONTACT: Representative Lee Daniels 217/782-4014

Julie Countryman, Lee Daniels' Ofc. 708/941-1992 708/941-3092 (FAX) 708/530-1418 (H)

1:15 PM Lv. Four Seasons Hotel Ground transportation: Lee Daniels

1:45 PM Ar. Midway Airport Million Air FBO 312/284-2867

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PAGE FIVE

Sunday, March 21 (continued):

2:00 PM Lv. Chicago AIRCRAFT: MBNA Westwind I TAIL NO.: N 317 M

PILOT: Billy Dennis 1-800-SKY-PAGE PIN # 513-6724 CO-PILOT: Ed Moston PIN # 262-5166

MANIFEST: Senator Dole Mike Glassner

FLIGHT TIME: 2 hrs 30 mins

CONTACT: Jim Smith Walker/Free Associates, Inc. 202/393-4760 202/393-5728/0272 (FAX)

Don Haskell Government Affairs Liaison, MBNA 302/456-8359 202/336-1234 {Pager) 410/382-0248 (Car/Message Service) Dave Schuster Director of Maintenance 1-800-SKY-PAGE PIN # 521-5458

4: 30 PM Ar. , Hobby Airport Million Air 713/644-3357

MET BY: Mr. Dale Laine 713/229-2770 (0) 713/939-9841 {H)

CONTACT FOR ALL TEXAS FIRST EVENTS: Alan Hill, NRSC 202/675-6088 1-800-SKY-PAGE PIN # 805-6162

4:45 PM Ar. Atlantic Aviation 713/644-6431

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PAGE SIX

Sunday, March 21 (continued):

4:45 PM- Attend TEXAS FIRST PRESS AVAILABILITY 5: 15 PM Conference Room, Atlantic Aviation CONTACT: Alan Hill, NRSC 800/SKY-PAGE - PIN # 805-6162

Theme: "Elect a Republican to U.S. Senate"

PROGRAM: 4:45 - Sen. Gramm opening statement Intro. Sen. Coverdell 4:49 Sen. Coverdell remarks 4:52 - Sen. Gramm intro. Sen. Cochran 4:53 Sen. Cochran remarks 4:56 - Sen. Gramm intro. SENATOR DOLE 4:57 - REMARKS - SENATOR DOLE (5 minutes) 5:02 - Q&A (10 mins.) 5:15 - Depart

5: 20 PM Lv. Hobby Airport/Atlantic Aviation DRIVE TIME: 15 mins.

DRIVERS: Matt Welch Dale Laine

5: 35 PM Ar. Ritz Carlton Hotel 1919 Briar Oaks Lane 713/840-7600

6:00 PM Proceed to Ambassador Room

6:00 PM- Attend TEXAS FIRST RECEPTION 6:55 PM CROWD SIZE: 30 Vice Chairmen (gave or raised $5, 000-$10, 000 to Texas First, or gave/raised $25,000 to Texas GOP "Patriots")

PROGRAM: 6:00 - Mix and Mingle 6:15 - Photo-op with Vice Chairmen Key Attendees: Fred Meyer, Chairman, Texas GOP Senate candidates: Rep. Joe Barton Rep. Jack Fields Stephen Hopkins Clymer Wright

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PAGE SEVEN

Sunday, March 21 (continued):

6:55 PM Proceed to Ritz-Carlton Ballroom

7:00 PM- Attend TEXAS FIRST DINNER 8: 30 PM CROWD SIZE: 100 @ $1,000 per person PROGRAM: 7:00 - Senators directed to separate tables 7:15 Dinner is served (Senators rotate tables after main course) 7:44 Fred Meyer remarks and intro of Sen. Gramm 7:48 Sen. Gramm, M.C., remarks and intro of Sen. Coverdell 7:54 Sen. Coverdell remarks 7:59 - Sen. Gramm intro. Sen. Cochran 8:01 - Sen. Cochran remarks 8:06 Sen. Gramm intro SENATOR DOLE 0:00 REMARKS - SENATOR DOLE ( 8 mins. ) 8:16 - Sen. Gramm closes 8:25 - Depart dinner

8:35 PM Lv. Ritz Carlton

DRIVE TIME: 15 minutes DRIVERS: Matt Welch Dale Laine

8:50 PM Ar. Houston Hobby Airport Atlantic Aviation 713/644-6431

9:00 PM Lv. Houston

AIRCRAFT: ICI Falcon TAIL NO.: N 300 A SEATS: 9 PILOT: TBD CO-PILOT: TBD

CONTACT: Dolores May 302/328-1334

MANIFEST: Senator Dole Senator Gramm Senator Cochran Senator Coverdell Bill Harris Mike Glassner Alan Hill

FLIGHT TIME: 52 minutes

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PAGE EIGHT

Sunday, March 21 (continued):

9:52 PM Ar. , Texas Million Air/Nayak 210/824-7511

MET BY: Pulse Martinez 210/742-3367 (0)

10:00 PM Lv. Million Air/Nayak DRIVER: Pulse Martinez

DRIVE TIME: 20 minutes

10:20 PM Ar. Wyndham Hotel 9821 Colonnade Blvd. 512/691-8888 RON: Wyndham Hotel

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,,

PAGE NINE

Monday, March 22

8:00 AM Lv. Suite and proceed to Meeting Room A (second floor)

8:00 AM- Attend TEXAS FIRST RECEPTION 8:30 AM CROWD SIZE: 10 Vice Chairmen

PROGRAM: 8:00 - Mix/Mingle 8:10 - Photo op with Vice Chairman 8:20 - Mix/Mingle

8:30 AM Proceed to Ballroom F 8:30 AM- Attend TEXAS FIRST BREAKFAST 9:25 AM CROWD SIZE: 100 @ $500 and $1,000 each PROGRAM: 8:35 - Breakfast 8:55 Fred Meyer welcome and intro Sen. Gramm 8:58 - Sen. Gramm remarks and intro Sen. Coverdell 9:03 - Sen. Coverdell remarks 9:08 - Sen. Gramm intro Sen. Cochran 9:10 - Sen. Cochran remarks 9:15 Sen. Gramm intro SENATOR DOLE 9:17 REMARKS - SENATOR DOLE (8 minutes) (Topic: "The effects President Clinton's policies are having on America without a GOP majority in Senate")

9:25 - Sen. Gramm closes

9:30 AM Lv. Wyndham Hotel DRIVE TIME: 15 minutes

DRIVER: Pulse Martinez

9:45 AM Ar. Republican Party of Bexar County Headquarters Petroleum Center 900 Northeast Loop 410 512/824-9445

9:45 AM Proceed to Room D-105

9:45 AM- Attend TEXAS FIRST PRESS AVAILABILITY 10:15 AM

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PAGE TEN

Monday, March 22 (continued): PROGRAM: 9:45 - Sen. Gramm opens and Intro Sen. Coverdell 9:49 - Sen. Coverdell remarks 9:52 - Sen. Gramm intro Sen. Cochran 9:53 - Sen. Cochran remarks 9:56 - Sen. Gramm intro SENATOR DOLE 9:57 - REMARKS - SENATOR DOLE (5 mins) 10:02 - Q&A 10:12 - Close and depart

10:15 AM Lv. GOP Headquarters DRIVE TIME: 15 minutes DRIVER: Pulse Martinez

10:30 AM Ar. San Antonio Airport Million Air/Nayak 210/824-7511

10:30 AM Lv. San Antonio AIRCRAFT: ICI Falcon TAIL NO.: N 300 A SEATS: 9 PILOT: TBD CO-PILOT: TBD CONTACT: Dolores May 302/328-1334

MANIFEST: Senator Dole Senator Gramm Senator Cochran Senator Coverdell Fred Meyer Bill Harris Carla Eudy Mike Glassner Alan Hill

FLIGHT TIME: 1 HR

11:30 AM Ar. , Texas - Love Field Citijet 800/248-4538

MET BY: Kevin Brannon 214/767-8755 (0) 214/324-5546 (H) 214/534-2932 (Cellular)

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PAGE ELEVEN

Monday, March 22 (continued): 11:30 AM Lv. Love Field DRIVE TIME: 30 mins

DRIVER: Kevin Brannon

12:00 PM Ar. The Adolphus Hotel 1321 Commerce Street 214/742-8200

12:00 PM Proceed to French Room Foyer

12:00 PM- Attend TEXAS FIRST RECEPTION/LUNCHEON 2:00 PM (Event in progress from 11:30)

Reception: French Room Foyer Crowd Size: 30 Vice Chairmen

Luncheon: Century Room B Crowd Size: 100 @ $1,000 per person

PROGRAM:

2:00 PM Lv. Adolphus Hotel DRIVE TIME: 15

2:15 PM Ar. Dallas Love Field Citijet 800/248-4538

Proceed to Longhorn Room (2nd Floor)

2:20 PM- Attend TEXAS FIRST PRESS AVAILABILITY 2:50 PM 3:00 PM Lv. Dallas AIRCRAFT: ICI Falcon TAIL NO.: N 300 A SEATS: 9 PILOT: TBD CO-PILOT: TBD

CONTACT: Dolores May 302/328-1334

FLIGHT TIME: 2 hrs 40 mins TIME CHANGE: +1 hour

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PAGE TWELVE

Monday, March 22 (continued):

MANIFEST: Senator Dole Senator Gramm Senator Cochran Senator Coverdell Bill Harris Carla Eudy Mike Glassner Alan Hill

6:40 PM Ar. Washington National Airport Signature Flight Support 703/549-8340

MET BY: Wilbert Jones

PROCEED TO PRIVATE

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QP-KD POR JAWjl§ D£WSP.APBR§ s .DB CLl:WJDI TAX PLAJil by senator Bob Dol.e

President Clinton's economic plan is picking up steam., but it w~ll stemnroll the taxpayers if it ever becomes law, especially those who live ln rural America. His plan is now being debated on the floor of the U.S. Senate, and as I try to take the tax and spend sting out of the Clinton package 8.Jld put the deficit reduction focus on spending cuts, you should know some of the painful details the White House isn't too ea~er to discu88; such as the $73 billion Clinton tax on energy. Moat folks agree that deficit reduction shou1d be ou~ priority, but Kansans simply don't trust Congress to raise taxes first and cut spending l.ater. That's ~by RepuhlicAns will do all we can to make the package more fair by offering amendmenta that cut back the President's record tax increaaes taxes and really cut spending. Make no mistake, Bi11 Clinton is a very skilled saleBman, and his speeches are clever, but as Ross Perot eayB, the "devil's in the details", and that's where Kansans a~e going to get hurt. I've been talking to and hearing from farmers, small businessmen and women, aircraft wor~ers, energy producers, working couples, and social security recipientB, and the more thiay learn about the Pres~den~'s plan, the more they know they're in the path of the Clinton steamroller. Let's beg~n with a few s~mple numbers. Despite what you've heard from the Pres~dent about "investment", and "shared sacrifice", the backbone of the Clinton plan 18 $295 billion in naw taxes aurinq tha next five years. And what about the ~uch­ ballyhooed spending ou~s? Excluding def&nse, th~ Pres~dent is offering only $7 billion worth of cuts in a1l other pJ:Ograms. where•s the fairneBs in that migmatch? It~e certainly not the kind of balanced deficit reduction most Kdn&ane have in ~ind. When candidate Clinton promiBed he wouldn't raise taxes on the middle clas5 or on 9asoline, who would have imagined. that just lllOnthe later, midd1e class Americans would be facing a 3 to 4% increase in thei~ qas and electric bills, 8 cents per gallon

.. .==i==;..::: ;.;. ; . ,l MRR-22-1993 14:25 P.02

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more every time you fill up your cer, and higher prices fo~ almost everything that is nw.nufactured or shipped from factory or farm. In fact, it is estimated that the Clinton enerqy tax could cost a fmnily of four making about $40,000 about $475 more per year, or about $40 per month. And if you'~e a married couple with social security and othe~ income of $32,000 or more, get ready for a whopping tax increase esti.moted at more than $100 per month thanks to the social security tax increase that President Clinton tried to co.11 a "spending cut." You don't have to he a faon.er to knw that aqricultu:re is an energy-intensive business. Some esti.n~tes indicate that the 1ncrease in direct !uel prices ~ill cost American farmer8 $500 million, and price increase~ tor petro-chem.ic~ls and fertilige~a add another half billion dollars. According to the American Farm Bureau Federation, if you're a Kansas farmer who grows 2,100 acree of corn, soybeans, milo and wheat, you'll be paying $1,513 more in new taxes. And if you operate a 3,000 acre f~.rm with one-third irrigated corn, wheat and alfalfa, and two-third.a dryland wheat and milo with 200 cattle feeding, you're taxes will shoot up $2,816~ On top of spending cuts farmwra already face, tamers are telling me that's lta::rdly the "contribution" most of them are r~dy, or able, to make. Let's face it, the aviation industry is hardly flying high. The last thing our airlines need is a biq incre~se in fuel costs, jack~n9 up ticket prices and reducing air travel. You don't need to be a rocket scientist to figure out that blqqer operating losses (there are no profits in the industry) mean fewer plane purchases and more bad news for thousands of workers at an already shrinking assembly line at Boeing Wichita. The same qoes for the general aviation industry that has made Wichita the world's Air Capital. There's no escaping the fact that the energy tHx will drive up the cost of building and operating a plane -- i.noludinq hefty increases in the cost of steel and aluminum. Higher coet~ could force payrolls to go down. I haven't gotten any rave reviews for the Clinton energy tax from the workers at Cessna, Beeoh and Lear who know their livel~hoodo are directly related to the cost of fuel.

MAR-22-1993 14=26 P.03

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Meanwhile, while ta~inq the rich always sounde good, under the Clinton plan the "rich" will alao mean emall businesses, so- called Subchapter S Corporations, partnerships and proprietorships. These ventures create an estimated 60' of all new- jobs in America, but they will see their ability to re~nveat in their own job-creation enterpriBes advexs~ly impacted by the new tax schemes. So, while the Pre5~dent says he•a aimi.ng at the eo-oalled fat cats, in many cases the Clinton plan will rea11y hit the little guy. ! have a different vision for America. It means lower taxes, less spending and fewer mandates from Washington. In 1985, I tried to en&ct a major deficit reduction plan that included major spending cuts, only to be supported by one Senate Democrat. In the Senate Budget Committee laa~ week, 34 responsible ftepubl~can amendments puttinq the deficit reduction focus on apendin9 cuts were rejected on party-line votes. On the Senate floor last week, we had an opportunity to take a good first step with an across-the-board freeze on federa1 spending, guarantee~ng fai~ness by sparing no programs except for the poor and disadvantaged. ~'his freeze would save $96 billion during the firs~ f~ve years, without raising taxes. Regrettably this responsible approach which 1 co-sponsored was rejected by the majority Oe.mocrats in a showdown vote that cmne as yet another disappointment to those Americans who were looking for real change. But we won•t give up. We will continue to offer our amendments, culminating in another budget showdown later this week on ~he Republican alterna~ive, a packaqe that wili target the Pres~dent's big new spending and the record-breaking Clinton tax increase, and put the focus on real spending cut& for real defLcit reduction. This common sense approach reflects the messa~e I'm hearing from folks all across Kansas: let's aim the deficit reduction steall'll:oller at government spending, and not at workinq and earnin9 £olka in middle America. tff

MAR-22-1993 14:27 P.04

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FINAL CONTACTi JUDY BROWN 913/295-2745 (0) 913/836-2319 (H) JO-ANNE COE 202-40B1oaSQ86 (0) 703-845-1714 (H) CATHIE YAGER 316/263-4956 (0) 316/681-3804 (H) DAVE SPEARS 316/263-4956 (0) 316/755-3010 (H) GALE GROSCH 913/371-6108 (0) ' : 913/768-1414 (H) DIANA DOOMS 316/263-4956 (0) 316/693-8724 (H) , WEATHER: FRIQAY, MARCH 19 - MOSTLY CLOUDY AND WARMER, HIGHS 45-50, WlTH 40% CHANCE OF RAIN, LIGHT SOUTH WINDS. SATURDAY, MARCH 20 - PARTLY CLOUDY, DRY CONDITIONS WITH HIGHS NEAR 50.

KJWSAS SCHEDULE FOR SENATOR DOLE< FRIDAY, MARCH 19- SATURDAY, MARCH 20, 1993 FRIDAY, MARCH 19

2:25 P.M, LEAVE CAPITOL FOR WASHINGTON NATIONAL DRIVER: WILBERT 2s45 P.M. LEAVE WASHINGTON FOR WICHITA SIGNATURE AVIATION

AIRCRAFTi CESSNA CITATION 6 TAIL NO.i 222 CD SEATS; 7 PILOTr WILL DIRKS CO-PILOT: JIM LAPINE FLIGHT TIME: 3 HRS. CONTACT; LYNETTE CARMELL! 316/941-6256 (o) 316/943-2901 (h)

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2 MANIFEST: SENATOR DOLE DAN STANLEY

ARRIVE WICHITA - JABARA AIRPORT MIDWEST CORPORATE ~VIATION 316/682-5551

MET BYi DAVE SPEARS, DIANA DOOMS AND MIKE GLASSNER

4145 P.M. INTERVIEW WITH RAINBOW UNITED, INC., TO TO BE USED lN A VIDEO AT A NUMBER OF 5:05 P.M. EVENTS THIS SPRING. CONFERENCE ROO~ - MIDWEST CORPORATE AVIATION

CONTACT: DIANE ISEMAN 316/683-7061

5:05 P.M. LV. JABARA AIRPORT FOR GALLOWAY HOME - GOP FUNDRAISER.

DRIVER; DIANA DOOMS DRIVE TIME: 10 MINS.

Stl5 P.M. WICHITA - FUNDR.AISING RECEPTION FOR THE TO KANSAS REPUBLICAN PARTY - HOME OF JAY G;30 P.M. AND HELEN GALLOWAY, 8000 KILLARNEY, 316/634-2651 (H) 316/685-3241 (0)

6:30 P.M. LV. GALLOWAY HOME FOR ST, FRANCIS MEDICAL CENTER

DRIVER: DIANA DOOMS DRIVE TIME: 15 MINS.

7&00 P.M. WICHITA - ST. FR.AijCIS REGIONAL MERICAL TO CENTER, 929 N. ST. FRANCIS - PEDICATION BiOO P.M. OF NEW DIAGNOSTIC SERVICES BLDG. 316/268-6020

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3

CONTACT; LARRY BAKER 316/268-8591

PROGRAM AS FOLLOWS:

7;00 P.M. - ARRIVE MEDICAL CENTER LOBBY, MIX AND MINGLE WITH 800-1000 ATTENDING THE EVENINGS ACTIVITIES.

7:30 P.M, - WELCOME - FRANK SHAW, CHAIRMAN • OF THE BOARD - ST. FRANCIS MEDICAL CENTER

7;33 P.M. - BRIEF REMARKS/ACKNOWLEDGEMENTS SISTER SYLVIA EGAN

7:38 P.M. - BRIEF REMAlU

7i42 P.M. - INTRODUCTION OF SENATOR DOLE FRANK SHAW, CHAIRMl\N OF THE BOARD

7:45 P.M. - SP~AK - SENATQR DOLE

8:20 P.M. LV. ST. FRANCIS FOR WICHITA CLUB

DRIVER; DIANA DOOMS DRIVE TIME; 10 MINS.

9:30 P.M. WICHITA CLUB - DINNER WITH 10 TO CONTRIBUTORS - BEING ARRANGED BY 9i30 P.M. KIM WELLS - DETAILS TO FOLLOW 316/263-5271

OPTION - DIANA CAN EITHER STAY FOR DINNER, OR SHE CAN TAKE YOUR LUGGAGE ON TO THE HOTEL AND BE THROUGH FOR THE EVENING.

9;30 P.M. LV. WICHITA CLUB FOR AIRPORT HlLTON

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4 DRIVER; DIANA DOOMS OR KIM WELLS DRIVE TIME; 10 MINS.

9t45 P.M. AR. AIRPORT HlLTON

RON - AIRPORT HILTON 316/945-5272

YOUR ROOM WILL BE PAID FOR BY ST, FRANCIS MEDICAL CENTER - MIKE GLASSNER WILL ALSO BE AT THE HILTON. SATURDAY, MARCH 20

8:25 A.M. LV, AIRPORT HILTON FOR ASCENSION LUTHERAN CHURCH DRIVER: CATHIE YAGER DRIVE TIME: 10 MINS.

8a35 A.M. WICHITA - ASCENSION LUTHERAN CHURCH, TO 042 N. TYLER - AID ASSOCIATION FOR LUTHERANS 9:30 A.M CONTINENTAL BREAKFAST INFORMATION AND TALK!NG POINTS IN BRIEFIN9 BOOK ASCENSION LUTHERAN CHURCH 316/722-4694 ANTICIPATED ATTENDANCES 100-150

0:40 A.M. - AAL VOLUNTEER PRESENTERS TO 9:00 A.M.

9i00 A.M. - SENATOR'S REMARKS ( 10 MINS. ) FOLLOWED BY Q & A CONTACTt MIKE TONN, LEGICATOR PRESIDENT, AAL BRANCH, HAVEN, KS. 316/665-3382 9:30 A.M. LV. ASCENSION LUTHERAN CHURCH FOR CESSNA

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5 DRIVER; CATHIE YAGER DRIVE TIMEi 15 MINS,

9:45 A.M. LV. WICHITA FOR KANSAS CITY AJRCRAFT; CESSNA CITATION 6 TAIL NO.; 222 CD SEATS: 7 PILOTr Will Dirks CO-PILOT: Jim Lapine FLIGHT TIME: 45 MINS. CONTACT: LYNETTE CARMELL! 316/941-6256 (o) 316/943-2901 (h) MANIFEST: SENATOR DOLE MIKE GLASSNER 10:30 A.M. AR. KANSAS CITY - DOWNTOWN MUNICIPAL EXECUTIVE BEECHCRAFT: 815/842-8484

MET BY: GALE GROSCH DRIVE TIME; 30 MINS.

11:00 A.M. KANSAS CITY, KS. - FROVIDENCE-ST. TO J1ARGARE1 HEALTH CENTER - 8929 PARALLEL 12:15 P.M. PARKWAY, K.C., KS. - SPECIAL PROGRAM TO ANNOUNCE A "YEAR OF HEALTH 0 AND THE UNVEILING OF A NEW NAME ANO LOGO - AND TO ANNOUNCE FREE PROSTA~E SCREENING.

PROVIDENCE-ST. MARGARET 913/596-4000

CONTACTi THERESE HORVATI 913/596-4852

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6 PROGRAM AS FOLLOWS;

11:00 A.M. - PROGRAM BEGINS

WELCOME - SISTER ANN MARITA INTRODUCTION OF SENATOR BOARD CHAIRMAN DONALD BIGGS/ SISTER ANN MARITA

lli05 A.M. - HEALTH CARE REFORM, PREVENTATIVE HEALTH CARE - SE~ATQR DOLE ' REMARKS - VICKf HART

11120 A.M. - 11:30 A.M. - ANNOUNCEMENT OF NEW NAME, LOGO, YEAR OF HEALTH SISTER ANN MARITA/MR. BIGGS

11130 A.M. RECEPTION

11150 A.M. LIVE INTERVIEW (VIA TELEPHONE) WITH LORRELL LABOUBE, GREATER KANSAS CITY MEDICAL SOCIETY - KMBZ RADIO STATUS OF HEALTH CARE REFORM

STUDIO NUMBER - 913/236-8295 CALLER SHOQLD INDICATE SENATOR DOLE rs CALLING FOR LIVE INTERVIEW WITH LORREL& LABQU_,ijE

CONTACT: LORRELL LABOUBE 816/531-9432

NOON COMMUNITY FORUM ON PROSTATE CANCER SENATOR DOLE TESTIMONIAL

12115 P.M. LV. PROVIDENCE ST. MARGARET FOR DEER CREEK GOLF CLUB

DRIVERz GALE DRIVE TIME: 35 MINS.

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7

12150 P.M, 1992 CANCER GOLF CLASSIQ BENEFIT LUNCHEON - DEER CREEK GOLF CLUB, 133RD AND METCALF, OVERLAND PARK FORMAL ANNOUNCEMENT OF SENATOR DOLE AS CANCER PATIENT OF THE YEAR.

DEER CREEK GOLF CLUB, 133 & METCALF 913/681-3199

PROGRAM AS FOLLOWS:

12i30 P.M. - 1:30 P.M. - LUNCH

1130 P.M. - WELCOME - LARRY MOORE, KMBC TV - 1992 CANCER PATIENT OF THE YEAR. 1:35-li40 P.M. - BOB JOHANNES 1:40 P.M. - INTRODUCTION OF SENATOR BY LARRY MOORE

1:45 P.M. - SPEN$ - SENATQR DOLE

PRESS CONFERENCE IMMEDIATELY FOLLOWING SENATOR'S REMARKS

CONTACT: BOB JOHANNES 816/943-1436

3sl5 P.M, OPEN TO 4:15 P.M.

4130 P.M. LV. JOHNSON COUNTY EXECUTIVE AIRPORT FOR CHICAGO - KANSAS CITY AVIATION CENTER - 913/782-0530

JO-ANNE'S SCHEDULE PICKS UP FROM HERE.

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FINAL 3/19/93 CONTACT: Jo-Anne Coe 202/408-5105 (0) 202/408-5117 (FAX) 703/845-1714 (H)

SENATOR DOLE SCHEDULE -- MARCH 20-21, 1993

Saturday, March 20 (Pick up from Kansas schedule) 4:20 PM Ar. Johnson County Executive Airport Olathe, Kansas Kansas City Aviation 913/782-0530

4: 30 PM Lv. Olathe AIRCRAFT: Scott Aviation Charter Citation TAIL NO: 106 WV PILOT: Eric Karolec CO-PILOT: Wayne Sherman MANIFEST: Senator Dole Mike Glassner FLIGHT TIME: 1 hr 15 mins CONTACT: Scott Aviation 708/466-4884 NOTE: Illinois GOP still looking for a corporate plane; you will be notified if there is a change in aircraft and Tail No. 5:45 PM Ar. Chicago, Illinois O'Hare Airport 312/686-7000 MET BY: Jennifer Smith Patricia J. Hurley & Assocs., Inc. 312/553-2000 312/553-2007 (FAX) Aries Charter (Town Car) - Driver, Ralph 312/666-4462

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PAGE TWO

Saturday, March 20 (continued):

6:00 PM Ar. O'Hare Marriott 8535 West Higgins Chicago 312/693-4444 312/714-4296 (FAX}

6:15 PM Proceed to Grand Ballroom, Salon 4 6:15 PM- Attend "IT'S A REPUBLICAN PARTY!" 7:00 PM Reception/Rally - Proceeds to Cook County GOP CROWD SIZE: 300 @ $100 per person EVENT RUNS: 5:30-7:30 PM

Master of Ceremonies: Manny Hoffman, Chairman Cook County GOP Central Cmte.

7:00 PM Proceed to Washington Room PHOTO OP ON ARRIVAL

7:00 PM- Attend/Speak - ILLINOIS REPUBLICAN STATE COMMITTEE 9:00 PM SPECIAL DINNER

CROWD SIZE: 80 @ $1,500 per couple (Tentative guest list attached}

CONTACT: Pat Hurley 312/553-2000 (0) 312/553-2007 (FAX} 312/975-0262 (H}

Dinner Chairman: William Smithburg, Chairman, Quaker Oats Corp.

VIP's in attendance: House GOP Leader Bob Michel Rep. J. Dennis Hastert (CD 14} Rep. Thomas w. Ewing (CD 15} State Senate President James "Pate" Philip House Minority Leader Lee Daniels State GOP Chairman Al Jourdan GOP Nat'l Committeeman Harold Smith

PROGRAM: 7:30 - Dinner is served 8:30 - Bill Smithburg introduces Bob Michel 8:35 - Remarks and Intro. Sen. Dole - Bob Michel

8:40 - REMARKS - SENATOR DOLE Q&A to follow 9:00 - Program concludes

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PAGE THREE

Saturday, March 20 (continued):

9:00 PM Depart Marriott O'Hare

Ground Transportation: Bill Smithburg

9:45 PM Ar. The Four Seasons Hotel 120 East Delaware Chicago 312/280-8800 312/280-9184 (FAX)

Senator Dole and Mike Glassner will be pre-checked in, keys will be given to Mike at Dinner

Dole Confirmation No. (Junior Suite): #CFS501277 Glassner Conf. No.: #CFS501276

RON: Four Seasons

Sunday, March 21

9:00 AM Lv. Four Seasons

CNN/Lee Daniels will provide transportation

9:30 AM- CNN NEWSMAKER SUNDAY -- LIVE 10:00 AM CNN Bureau Tribune Tower - 435 N. Michigan Avenue Suite 715 312/645-8555

10:05 AM Chicagoland Cable TV News 435 N. Michigan Avenue - 4th Floor Studio (Between Tribune's City Desk and Editor's Desk) 312/222-5013 Pager: 708/281-0932

10:20 AM WGN-AM & TV (Orien Samuelson) WGN-AM Radio Studio 435 N. Michigan Avenue - 1st Floor 312/222-4700

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PAGE FOUR

Sunday, March 21 (continued):

11:00 AM- PRESS CONFERENCE with state Rep. Lee Daniels 11:30 AM Four Seasons Hotel - La Salle Room 312/280-8800

CONTACT: Dan Long Deputy Chief of Staff to Lee Daniels 217/782-4014 Mike Trestano Chief of Staff 312/814-2053

11:45 AM- PHOTO OP WITH GOP STATE LEGISLATORS 12:00 PM Four Seasons Hotel - La Salle Room

CONTACT: Representative Lee Daniels 217/782-4014

12:00 PM Proceed to Delaware Room

12:00 PM- Attend BRUNCH with Major Political and Corporate 1:00 PM Representatives from Chicago Area Four Seasons Hotel - Delaware Room 312/280-8800

CROWD SIZE: 20-25

CONTACT: Representative Lee Daniels 217/782-4014

Julie Countryman, Lee Daniels' Ofc. 708/941-1992 708/941-3092 (FAX) 708/530-1418 (H) 1:15 PM Lv. Four Seasons Hotel

Ground transportation: Lee Daniels 1:45 PM Ar. Midway Airport Million Air FBO 312/284-2867

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PAGE FIVE Sunday, March 21 (continued):

2:00 PM Lv. Chicago

AIRCRAFT: MBNA Westwind I TAIL NO. : N 31 7 M

PILOT: Billy Dennis 1-800-SKY-PAGE PIN # 513-6724 CO-PILOT: Ed Moston PIN # 262-5166

MANIFEST: Senator Dole Mike Glassner

FLIGHT TIME: 2 hrs 30 mins

CONTACT: Jim Smith Walker/Free Associates, Inc. 202/393-4760 202/393-5728/0272 (FAX) Don Haskell Government Affairs Liaison, MBNA 302/456-8359 202/336-1234 (Pager) 410/382-0248 (Car/Message Service) Dave Schuster Director of Maintenance 1-800-SKY-PAGE PIN # 521-5458 4:30 PM Ar. Houston, Texas Hobby Airport Million Air 713/644-3357

MET BY: Mr. Dale Laine 713/229-2770 (0) 713/939-9841 (H)

CONTACT FOR ALL TEXAS FIRST EVENTS: Alan Hill, NRSC 202/675-6088 1-800-SKY-PAGE PIN # 805-6162

4:45 PM Ar. Atlantic Aviation 713/644-6431

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PAGE SIX Sunday, March 21 (continued):

4:45 PM- Attend TEXAS FIRST PRESS AVAILABILITY 5:15 PM Conference Room, Atlantic Aviation CONTACT: Alan Hill, NRSC 800/SKY-PAGE - PIN # 805-6162 Theme: "Elect a Republican to U.S. Senate" PROGRAM: 4:45 - Sen. Gramm opening statement Intro. Sen. Coverdell 4:49 - Sen. Coverdell remarks 4:52 - Sen. Gramm intro. Sen. Cochran 4:53 - Sen. Cochran remarks 4:56 - Sen. Gramm intro. SENATOR DOLE 4:57 - REMARKS - SENATOR DOLE (5 minutes) 5:02 - Q&A (10 mins.) 5:15 - Depart

5:20 PM Lv. Hobby Airport/Atlantic Aviation DRIVE TIME: 15 mins.

DRIVERS: Matt Welch Dale Laine

5: 35 PM Ar. Ritz Carlton Hotel 1919 Briar Oaks Lane 713/840-7600

6:00 PM Proceed to Ambassador Room

6:00 PM- Attend TEXAS FIRST RECEPTION 6:55 PM CROWD SIZE: 30 Vice Chairmen (gave or raised $5, 000-$10, 000 to Texas First, or gave/raised $25,000 to Texas GOP "Patriots") PROGRAM: 6:00 - Mix and Mingle 6:15 - Photo-op with Vice Chairmen Key Attendees: Fred Meyer, Chairman, Texas GOP Senate candidates: Kay Bailey Hutchison Rep. Joe Barton Rep. Jack Fields Stephen Hopkins Clymer Wright

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PAGE SEVEN

Sunday, March 21 (continued):

6:55 PM Proceed to Ritz-Carlton Ballroom

7:00 PM- Attend TEXAS FIRST DINNER 8:30 PM CROWD SIZE: 100 @ $1,000 per person PROGRAM: 7:00 - Senators directed to separate tables 7:15 Dinner is served {Senators rotate tables after main course) 7:44 Fred Meyer remarks and intro of Sen. Gramm 7:48 Sen. Gramm, M.C., remarks and intro of Sen. Coverdell 7:54 - Sen. Coverdell remarks 7:59 Sen. Gramm intro. Sen. Cochran 8:01 Sen. Cochran remarks 8:06 Sen. Gramm intro SENATOR DOLE 8:08 REMARKS - SENATOR DOLE ( 8 mins. ) 8:16 - Sen. Gramm closes 8:25 - Depart dinner

8:35 PM Lv. Ritz Carlton

DRIVE TIME: 15 minutes DRIVERS: Matt Welch Dale Laine

8:50 PM Ar. Houston Hobby Airport Atlantic Aviation 713/644-6431

9:00 PM Lv. Houston

AIRCRAFT: ICI Falcon TAIL NO.: N 300 A SEATS: 9 PILOT: TBD CO-PILOT: TBD CONTACT: Dolores May 302/328-1334

MANIFEST: Senator Dole Senator Gramm Senator Cochran Senator Coverdell Bill Harris Mike Glassner Alan Hill

FLIGHT TIME: 52 minutes

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PAGE EIGHT

Sunday, March 21 (continued):

9:52 PM Ar. San Antonio, Texas Million Air/Nayak 210/824-7511

MET BY: Pulse Martinez 210/742-3367 (0)

10:00 PM Lv. Million Air/Nayak

DRIVER: Pulse Martinez

DRIVE TIME: 20 minutes

10:20 PM Ar. Wyndham Hotel 9821 Colonnade Blvd. 512/691-8888 RON: Wyndham Hotel

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PAGE NINE Monday, March 2 2

8:00 AM Lv. Suite and proceed to Meeting Room A (second floor)

8:00 AM- Attend TEXAS FIRST RECEPTION 8:30 AM CROWD SIZE: 10 Vice Chairmen PROGRAM: 8:00 - Mix/Mingle 8:10 - Photo op with Vice Chairman 8:20 - Mix/Mingle

8:30 AM Proceed to Ballroom F

8:30 AM- Attend TEXAS FIRST BREAKFAST 9:25 AM CROWD SIZE: 100 @ $500 and $1,000 each PROGRAM: 8:35 - Breakfast 8:55 - Fred Meyer welcome and intro Sen. Gramm 8:58 - Sen. Gramm remarks and intro Sen. Coverdell 9:03 - Sen. Coverdell remarks 9:08 - Sen. Gramm intro Sen. Cochran 9:10 - Sen. Cochran remarks 9:15 - Sen. Gramm intro SENATOR DOLE 9:17 - REMARKS - SENATOR DOLE (8 minutes) (Topic: "The effects President Clinton's policies are having on America without a GOP majority in Senate") 9:25 - Sen. Gramm closes 9:30 AM Lv. Wyndham Hotel

DRIVE TIME: 15 minutes

DRIVER: Pulse Martinez

9:45 AM Ar. Republican Party of Bexar County Headquarters Petroleum Center 900 Northeast Loop 410 512/824-9445

9:45 AM Proceed to Room D-105

9:45 AM- Attend TEXAS FIRST PRESS AVAILABILITY 10:15 AM

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PAGE TEN

Monday, March 22 (continued):

PROGRAM: 9:45 - Sen. Gramm opens and Intro Sen. Coverdell 9:49 - Sen. Coverdell remarks 9:52 - Sen. Gramm intro Sen. Cochran 9:53 - Sen. Cochran remarks 9:56 - Sen. Gramm intro SENATOR DOLE 9:57 - REMARKS - SENATOR DOLE (5 mins) 10:02 - Q&A 10:12 - Close and depart

10:15 AM Lv. GOP Headquarters

DRIVE TIME: 15 minutes DRIVER: Pulse Martinez

10:30 AM Ar. San Antonio Airport Million Air/Nayak 210/824-7511

10:30 AM Lv. San Antonio

AIRCRAFT: ICI Falcon TAIL NO.: N 300 A SEATS: 9 PILOT: TBD CO-PILOT: TBD CONTACT: Dolores May 302/328-1334 MANIFEST: Senator Dole Senator Gramm Senator Cochran Senator Coverdell Fred Meyer Bill Harris Carla Eudy Mike Glassner Alan Hill FLIGHT TIME: 1 HR

11:30 AM Ar. Dallas, Texas - Love Field Citijet 800/248-4538

MET BY: Kevin Brannon 214/767-8755 (0) 214/324-5546 (H) 214/534-2932 (Cellular)

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PAGE ELEVEN

Monday. March 22 (continued): 11:30 AM Lv. Love Field

DRIVE TIME: 30 mins

DRIVER: Kevin Brannon

12:00 PM Ar. The Adolphus Hotel 1321 Commerce Street 214/742-8200

12:00 PM Proceed to French Room Foyer

12:00 PM- Attend TEXAS FIRST RECEPTION/LUNCHEON 2:00 PM (Event in progress from 11:30}

Reception: French Room Foyer Crowd Size: 30 Vice Chairmen

Luncheon: Century Room B Crowd Size: 100 @ $1,000 per person

PROGRAM:

2:00 PM Lv. Adolphus Hotel

DRIVE TIME: 15

2:15 PM Ar. Dallas Love Field Citijet 800/248-4538

Proceed to Longhorn Room (2nd Floor}

2:20 PM- Attend TEXAS FIRST PRESS AVAILABILITY 2:50 PM

3:00 PM Lv. Dallas

AIRCRAFT: ICI Falcon TAIL NO.: N 300 A SEATS: 9

PILOT: TBD CO-PILOT: TBD

CONTACT: Dolores May 302/328-1334

FLIGHT TIME: 2 hrs 40 mins TIME CHANGE: +1 hour

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PAGE TWELVE

Monday, March 22 {continued):

MANIFEST: Senator Dole Senator Gramm Senator Cochran Senator Coverdell Bill Harris Carla Eudy Mike Glassner Alan Hill

6:40 PM Ar. Washington National Airport Signature Flight Support 703/549-8340 MET BY: Wilbert Jones

PROCEED TO PRIVATE

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U.. S - SENll'OR. PHIL GRAMM: REiiS PROFILE mAllSCRJ:BER:Kil 1 i an PAGE 1 OF 2 STATJ:Ol!I: KHOU/Channel. 11 AfFILIATIOll: CBS LOCATION: Houston HOUSEHOLD R.AXING: 12 BOOSRHOLD SILMm: 18 RANK IS MARKET': 5__!_ 6--2_ 10_L ADULTS 18+: 248,000

IN'J!RODUC'l'l:ON ANCHOR: REPOR!fER COPY: Anchor Kwan: In Reporter Halford: (video shows Senators other news the Gramla, Dole and Coverdel.l greeti..ng special election £or supporters at ai:rport upon arrival) J?biJ. the U.S. Senate seat Gz:mma· s fund raising tour features the from Texas is only top Republican in the U. s. senate six week:;;: away and Minarity Leader Bob Do1e of Kansas • {J?G. Republican party going down 1ine of people outside Hobby leaders are openly Airport shaking bands) ~hey've come to worried that Houston to raise money for the May 1st ~crat incumbent get-out-the-vote effort and to try to could convince the party faithfnl to take the win without a run- elect.ion seriously. Soundhite senator off. Tonight Texas Bob Dole (from podium, flaqs and "Texas Repnb1ican sena.t=or First" si.gn in background.: "The most Phil Gramm was in important race this year in politics is town to raise money happening .i.n Texas." Reporter Halford: to help qet out the (Video shows £ile footage of Clinton GOP vote. Eleven getting out of car) Because Dole says, a News reporter Bruce Repnbl.ica.n win would let the White House Halford has detai1s. know the people of Texas are not happy about President Cl..inton 1 s budget proposals. (Mid-shot o:f PG speaking frOlt! podium •.. goes into soundhi.te} Senat:o:r Gxa:lllm has his own reasons fo:r wanting a Krneger defeat. Scnm.dbite 1'G (mi.d-shot; :from_ potlilB!l l ~ • L:lDyd. Bent:sea and I llOf;ed toget::ber about: 60% of t:he t:J.Jae. Plms fa:r, Bob Krn.eger a:J1d I have voted toget:ber an..ly 26% 0£ rhe time. Bab Kraeger .is voti.ng t:o can.eel. lq'" vot:e. " Re_porter Halford: (Video show$ file :footage of Krueger at press conference in Houston, two weeks aqa} Krueger has two other announced Democrat opponents,. but he i.s the partyr s anointed candidate. That means the party is going to spend a iot of money to see that he wins on May 1st. In this winner-take-all race,

MRR-22-1993 11:17 P.02

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Channe1 11-:mou 3/21/93 P-2 Krueger needs 50% of the vote plus one to win the seat out-right. (Long-shot PG at podi.:am. speaking) Gramm says Republ.icans just want to force a run-0££, hut they have a problem, tb;r;ee major candidates who threaten to split the GOP vote. Gramm :refuses to name his favorite of the three. (Vi.dee shows qui.ck shots of Fields, Hutchison and Barton as :reporter reads their n.a::mes) They're Houston Congressman Jack Fieids, State Treasn:rer Kay Bailey Hutchison and North Texas Congressman Joe. Barton. (Cl.ose-up from podiUI11) And Gra1Bm is worried, too, that it a11 may be tao much for battle weary Republican voters. Socm.dbit:.e PG- (Hid-- shot. speai::ing from podium l:: •We ha~ t;o be ~e:tu.J. t:ba:t:. our peopl.e don't; wait u.nti.1 t:be ru:a-off to get; a.ct;ive.ly J.nvol ved.. ~ere a.re a lot o:E peapl..e 'Wb.o don't waIJt to choose." Reporter Halford: Gramm and Dole next take their fund raising road show to both San Antonio and Dallas.(Long-shot of PG standing at podium, Dole on his right sLde) Their goal is to pull in a hal£ million dollars to heip convince Republicans there's too much at stake to avoid :mak..i.ng a choice on May 1st. Bruce Halford 11 News.

C~: Excellent story; great video. Clips from story ran on Ch. ll's morni.n.g news(3/22/93) updates £rom 6-9 AM..

MRR-22-1993 11=18 P.03

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THE SECRETARY OF THE TREASURY WASHINGTON • March 18 , 1993 The Honorable Robert Dole Republican Leader Washington, D.C. 20510

Dear Bob:

I am writing to request action by Congress on legislation to increase the statutory limit on the public debt. Currently, our best estimate is that the Treasury will run out of cash and room under the current $4,145.0 billion debt limit on April 7 as social security recipients and others attempt to cash their checks.

The April 7 date reflects the most accurate information we have on the outlook for changes in cash and debt over the corning weeks, absent extraordinary actions. We will let you know if this date changes materially, but believe it is very important that legislation to increase the debt limit pass before the upcoming Congressional recess.

To avoid unnecessary uncertainty in financial markets and dislocations in the Treasury's usual pattern of auction announcements, it would be best if Congressional action on the debt limit could occur by March 26. This date marks the scheduled announcement of the regular 52-week Treasury bill that is to be auctioned on April 1 for settlement on April 8.

We are requesting that the debt limit be increased to $4,370.0 billion on a temporary basis through September 30, 1993. I urge Congress to act in a timely manner on a debt limit increase in order to avoid financial market disruptions, which would tend to raise the Treasu~y's cost of financing. Of course, a more significant delay could risk default on the Government's securities, with its adverse consequences on the financial markets, the Federal deficit, and the U.S. economy. Sincerely,

Page 44 of 86 BOB DOLE This documentID:202-408-51 is from the collections17 at the Dole Archives,MAR University 19 'of 93Kansas 12 :59 No.002 P.02 http://dolearchives.ku.edu

*12 MINNESOTA: DURENBERGER DISAPPROVE STILL The Minnesota Poll, conducted CLIMBING and wcco-Tv, 2/26-3/4 for The STAR-TRlBUNE surveyed 807 adults; margin TRIBUNE, 3/18). Tested: of error +/- 3.4% (STAR- sen. Dave Durenberger (R). DUREN BERGER JOB RATING NOW 8/92 Approve l/92 7/9l 3/91 8/90 Disapprove 48% 48% 57% 48% 41 49% 39% No opinion 31 34 32 36 13 21 50 9 20 15 11 DURENBERGER REELECT Re-elect Durenberger NOW 1/92 18% Give someone new a 26% chance 73 66 SENATE '96? Ex-sen. Rudy Boschwitz "that he plans to run (R) "confirmed" 3/16 Sen. in 1996 for the Senate seat Paul Wellstone (D). "Although he lost" to of returning to Boschwitz had talked before public life, he had not publicly firm intentions before speaking" expressed any Federation 3/15 to the Farm Bureau and to a meeting of the said he has "no Winona Co. GOP. Boschwitz plans to run for the Senate former colleague" Sen. Durenberger: seat held by his "I believe senator Durenberger will seek reelection, and I him" (Duchschere, Minneapolis certainly won't challenge STAR-TRIBUNE, 3/17).

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The Wlrthlln Group MEMORANDUM

TO: Scott Reid

FROM: Mary Ellen Jensen

SUBJECT; Draft Questions on the Cllnton Economic Package

DATE: March 17, 1993

I have attached a r•vieed questionnaire for the March national survey. The draft questlOlll for your review are number. 1<>-~. In addhlon to your own quaatlone, you will receive data from our other standard tracking questions and demOgraphles.

I have written the price of each question In the margin. I have priced your questions at $150 per ctoaad end (the atandard price la $1,000). The •Wldard prloe for open ends Is $3,000. I would have to Charge the full price for Q.13 because It calla for such detalled probes, but can cut tht price on 0 . 14 to $2,500. I al8o cut the price on qu88tlons 16-23 because they are asked In a Ust and I expect them to go more quickly than a stand-alone question.

Please let me know If you h8V9 any question• or would llke me to make any revisions before you send this on to Senator Dole. If I don't hear trom you Thursday morning, I wtl plan on talking wt1h you Friday afternoon.

Post-tr brand lax trerismittal memo 7671 I•otp•e•" IZ. ,,_ E "- 5wtt Qe1d M. .Jensen.. Co. Ct. ei.J c._, "TW~ !Hp(. IPllon• ¥~~·ODO I ll'tllll 0(p3-er14 far#

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PER80NAL.IOONFID IXXXX.01 DECIMA RESiAACH Tln19111118d.'"*" __ 1383 8tMrty Fad Timi Ended.__ _ Mol.Mn, ~ 22101 Maret\ 1883 Fllld Ectt,.___ Fleld Vlllldlllan__ Ceding Edit.,..___

Hello, I'm d Dedma Res&aloh, a na1IOnal mearch flnn. We're talking with poopkt all around the nation today, and wOlAd like to ask you a few queetlonl on a cordlddlal basis. (DO NOT PAl.JSE)

A. Ale you 18 y..,. of age or Older7

1 YES (8l

IF "NO- IN Q.A, ASK:

B. la there anyone else In yo.I household who II ll leut t8yNl'lofage?

(F 'NO: UW.K NE ~'TE)

(F -vE8,• ASK:) May I speak wth th81 pnon. plaale? (NOTE:) IF UNAVAILABLE, ARRANGE FOR CAI I MOK.

(F -vES,• REPEAT QA wmt NEW PERSON)

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1. Md art you preHntly rtgllterwd ID vote?

~~ASK:)

Ale you~•& .• fKJT'A'll!)

.. .AEPUBUCAN. .. •.. or •.• ... DEMOCRAT...

... or IOITlethlng 8l8e?

1 YES/REPUBLICAN 2 YESIDEMOCRAT 3 Y!811NOEPE~NT/OTHER (00 NOT FEAD) 4 YES/NOT REG~D BY PARTY (DO NOT f£AD) e NO/NOT REGISTERS> J)O NOT READ) B REFUSED (DO NOT READ»

2. Generally epeaklng. would you 8f1f ttm thk9 In 1he CCMfIB)' .,. going In the RQfI DIRECTION. or have they pretty serioUlly gouen or an 1h1 WAONCI mACK1 1 RIGHT DIRECTION 2 WRONG TRACK 3 NO OPINION t>Q NOi' READ) 4 REFUSED (DO NOT PEAD)

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tXXXX-XX (3)

POCKETBOO~CONOMV 80CIAL BigB~ ,, ••••...... ••••••. 01 Abortion (PAO-CHOICE) ...... 30 lak of Fedlnl Budget •••...... •• 80 ADor1iOrt (PRO.LFE) •...... •.•.... 31 Oeflcltl/Federal Debt •...... •.. 02 Chlld~ .•••••..... 32 The Economy!R8C918k>n •...... 03 Ct1lld/Dily' c.. ' ' .... I • ' • I •••••• 33 El"lef'gy . I • I • I I • • • - • • • • • ' t • I • I • 04 CtiM ..•••••••.....••...•..... 34 F4ll11l Problernl • • ...... • . . . 06 Dr\lgl: ••••••••••.••••.....••.• 35

Govenvnn Spending .••••.....•. 06 Edt.lcallorl • • • • ' • ' I I • • • • • I • ' • I • • 30 H~ lntar• "-' ...... 07 IE~ ..••...••.... 37 H~ T&Ql/Unfai' TaXM ...... 08 Eqtilll Rigt1tl •...• ' ' ' • ...... ' • • I 38 ·~ . . •••••.....••••••...•• ()8 Gun COl1trol •.••• , • , •••...... ••• 41 lnftatlon • ...... • • • ...... • • 10 Health care coets • • • • • • • • . • . • • • . . e1

LAbOr Unions ....•••••• • .••••• , . 11 HOl.llkiiQ . ' • • • • • . • I I • I • • • I • I I I I • 39 Unemployment ...... ••. . ... 12 N~ P&antl/Nuclear ErMNgy ...•• , 40 8ankl/8&l Scandal . . • • • • • • ...... 1.. Poverty/Hunger/HOmelela ••.. '.I .. 42 RKlal Probleml/D&letlmin&- FOREIGN POLICY/PEACE tlot1 ...... 43 Mickle Eaat ...... •...... 09 8ocilll Securtty/Ald 10 Ir~ Hussein .....•.••.. . . G3 !~ ...... Nuclear Weapona .. , ••••••...... 13 Welfare (too lttle) • ...... • . . . . . 45 Foreign Polley (General) •...... ••.. 17 wew .... (loo rRd1) ...... 46 US/Japan RMltions •...... •••••.. 20 lnwnational Trade/Imports •...... 19 OTHEf4 National Defenee ..•••••.•..••••• 22 AJDS .....•..•...•..••••••.... 47

Soi"'8t R.ee.:~ • I f I I I I I I I I I I t I I t 24 OOngrMS ...... •••...... • 48 Soviet Dlluiion ...... 70 Dedlne ~ Ma'al ValueS ..... , • , ... G Vugoe1avian Otvl War •••••.••.••.• 73 FlaUre/Youth ...... &O Terrorilm ...•.•...... 2S Government CorruptiorVCont Too Much Foreign Aid ...... •.. 28 Bureaucrlcy/L.8adnhlp •... '·... ' 51 War/Wortd Peace ...... •.•••.... 'Z1 P'OlltlclJPolltlcl.-. ' I t t e • I I I 1 t t I I I • m Wortd Respect ...... •...... • 28 Hlegal Alllnsllmmlgrmlon t t o • o • • O • I S3 9 & L Bailout ...... , • ...... • • • . 82

No Problems •••...... •••..... 95 Biii ClirWc>n • • • o o I o o • • • • • • I O o t • • • &4 Dorneltlc Terroi llwn . . • • • • . . . . • • • . XX

~------•.. ' .... 96 Don't Know (DO NOT READ) ...... 97 REFUSED (DO NOT READ) ...... 99

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4. Now, I'd Uke to l1ll your fe~ D#lrd eome people n ~ rd 111c1 you to ,., your feellnQS tow.rd ..:fl P8f'80l1 or ~ I name, Ullng • zero-to-one tuidred .-. where 100 ITMNlrW 1hll you hlM •very wsm, pOlfttve f8eUng tawll'd 1hat par1lcullr lndMdulll or group, zero rnNl'1I VOU have • Y9rf oold, rwgatlve feellng, .nd 50 ,...,. you do na1 ml paniOulartf warm « COid toward fw pemon or WoUP name.

You Q8ll ~any number trcm zero to 100, the higher the runber, the more hlvorable your feallnga .. town inc person ar ~

If I name• J*'IQn or wi orgnutlOn you don't know too much lbcU. jult ... me and n'I go on to the na one. MIJNG

4A. GEORaE BUSH

40.

4F. TH! REPUBLICAN PARTY

'41. THE DEMOCRATIC PAFffY

4J. HIUAAY CLINTON

Turning to eomethlng different ... s. Do you approve or disapprove or the w~ 8111 cumon IS hancllng till jOb as presiclerW7

1 STRONGLY APPROVE 2 SOMEWHAT APPROVE 3 SOMEWHAT 06SAPPROVE • STRONGLY DISAPPROVE

& DON'T KNOW (DO NOT~ e REFUSED (DO NOT FEAD)

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IXXXX·XX (5) Now, let'w ~tar• minute on thl CURRENT STATUS d 1tw l'llllonll 800ll0mf ... e. Compared to A YEAA NJO, do you thlr* gotten the n.aon11 eooncmy tm goaen WCXM. 0t ltayed 9bolJt 1ha unw? b9br, 1 GOTIEN IETTER 2 GOTIEN WORSE 3 8TAVB>THE SAME 4 DONT ICNOWJREFU8EO (DO N"1I" READj

7. And tnlnlclng abcU A VEAR FROM t«:JW, do you thHc belt•, gat the natloMI economy wll get wcne. or be abol..i tht ..,.. • • II rOtll 1 C3ET BETTER 2 C1ETWORSE 3 STAY THE SAME 4 DONT l (DO NOi' READ)

8. And thinking ·~ a yNr trom now, ao you think or worse oft &wlcAally? you and your family will be bMter

1 BETTEROFF 2 WORSE Off S STAY THE SAME (DO NOi' Rf.AD) 4 DONT KNOW/REFUSED ~NOT' READ)

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IXXXX-XX (I)

Now, I~ IU lo Mk you 10n9 queatlonl about ttw ecanomiO package thll hat bes'I Pl'OPOMd bi/ Prealdlrt Cllr10n.

10. Fire, c:en you tell nw wtw1ta you haw uen, read, cw hMJd arJiU11ng about Preektent Cllrmn'a eoonomlc pld.age prior to tia neMIW'P 1 YES, 8EEN/READIHEARO ABOllT ECONOMIC PACl ABOUT ECONOYC PACKAGE 3 DON'T REMEMBER 4 REFUSED

11 . Just gentrlltf, hoW much woUd you Rf vou knOw ~ Cll'*x1't economic ,.. ~ i s.o plCkage. Utlng a acale of one to i.n where one meana you do not know anything llbcU Iii Chon'a economic package and ten l"IMNlnl you know a great deal abcMA BiU Cllmon'1 8001 .omlc package, where wculd you nit1 you- level of Information? RAD

12. And, bWd on what you know now, would you My that you favor or oppose 811 Clnton'I economic pKkage?

(IF FAVOM>PP08E, ASK:) Do you STRONG&.Y (TIHor/oppoae) tX jutt SOMEWHAT (fS'IOt'/oppose) Cllnlon'a economic J)Kkage?

1 8TRONC3LY FAVOR 2 SOMEWHAT FAVOR 3 SOMEWHAT OPPOSE 4 STRONOLY OPPOSE 5 DON'T KNOW (DO NOT READ) IS REFUSED [DO NOT ~J

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IXUX·XX (7)

Now, I'd Ilk• you to think very lpecllcally lbcKa wt1ll ro&I know lbOut the CU...... IDOi iamlc peoklOI.

1s. ~ It the tnt thing tMI comes to mind when you It** lbOl.l Prealdlrt Clinton'• economic peckage, ~ ~.ooo thll 11. what do ~ Ilk& MOST « LEA8I' abolJt l1it package? (CUJIFY]

A. (IF P08rT1VEILl

8. (1f NEGATIVEAJ

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IXXXX-XX (8)

14. If YoU oould makl ONE QW«E 10 CUrmn'I economlC r:-*9 to lmpRM • or mike l mor1 favorable to you, wtlll cta1g1 or~ WOL.*9 .... z. ~00 (CLAFIFYJ you lllllka?

/ 15. 8aMd on wta you know about PJHldenl Olinlon'a economic plan, do you feel that It Is fair to you?

1 YESIFAIR 2 NO/NOT FAIR 3 DOtnt

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flXXX·XX (9)

Now, I lf1'I now going to read you eome lpectllc ~ 9bOLI Cllr«on'• economiC pe.n. Plwe tel mt whether you have heard ar r..i ~ lbOl.l ttm lpectlO pelt d the Cfirton pmpoul prior to ... lnt8M9w.

Have you heard or l'Nd that .. . (AOTAlE]

1s. The Chon plan wtl taK8I rue on QMOlrle and altW fonnl d ...-gy, IUOh • $ '500 natural gM Ind horNt healing el. 1 YES, RE.ADIHEARD ABOUT 2 NO, HAVE NOT READ/HEAR> ABOUT PACKAGE 3 DON'T REMEMBER 4 REFUSED

11. The Clinton pa.n inotudee '260 bilion In government spending i~over the , soo / ne>CI fW ym. = 1 YES, READ/HEARD ABOUT 2 NO, HAVE NOT READ/HEARD ABOUT PACKAGE S DON'T REMEMBER 4 REFUSED

18. The Clinton plan wm raise tax• on middle a.a flmlllei. 1 YES, READ/HEARD ABOUT 2 NO, HAVE NOT READ/HEARD A80UT PACKAGE S DON'T REMEMBER • REFUSED

19. The CUntcn plml wtU reduce the d8ncl t1t' add~ FOUR DOU.MS In new taxee . $ '50o for 9V8fY OfE DOU.AR In ipendlng cu..

1 YES, READA-iEARO ABOUT 2 NO, HAVE NOT READ/HEARD ABOUT PACKAGE · 3 DON'T REMEMBER 4 REFUSED

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IXXXX·ll (10) Now, 1 ...,. now going to rwt you each p1tc9 " lnfonnatlon p11n onoe again. Thie time, mcxa Cllrton'• economic I would llce you to '811 me whlUw thll UOFE LICELY 0t LE88 LICELY lnram•IOn rnlk• you to tupport the Clnton eoonomlc plln. DoM the fact th.a ... (READ 8rA1EMENT) ••• make you men lkely the Clinton economic plm Ot ._. lk.e, to aupport

(I' MOIEJLE88 LllCB.V. MK;J Would ttllS b9 MUCH ~ (mare/lell) likely? llketf or SOMEWHAT

(ROTA~

20. The Clinton plan wll raise taus on gasoline n ottw forml d energy, luch natural gu and home heallng Oil. as

1 MUCH MORE LIKELY 2 SOMEWHAT MORE LIKELY 3 SOMEWHAT LESS Ul

22. The Clnton plan will rataa laX8S on middle c&au families. 1 MUCH MORE Ll

1 MUCH MORE Ut

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IXXXX -XX (11) \ 24. Now, lfter ell th9 l11fu1111mlon mt>o&a Pr9lldlr1 etrtan'• IOOrlOlnC plln M we hmve )ult dleculled, would you Rf thll you 8or or ~·-- g Cllrworl'I eoonomlo package?

IF FAVOfVOPP08E. ASIC) Do you 8TRONGLY (lawar/OAD9) or )ult SOMEWHAT (flMX'/oppou) Clntcn'I 9C>OlllOmic plln?

1 STRONGLY FAVOR 2 SOMEWHAT FAVOR 3 SOMEWHAT OPPOSE 4 B'TRONGLY OPPOSE 5 DON'T t

Now, I'd like you to COr18lder the BEST WAY to reduce the deficit.

I'm going to read you the the opinions of two lmaglrwy people. Tlleir namea are Mr. smith and Mr. Jon•. Aft.et you have heard thek' opinions, pleue tllll me whole opinion I& MOST UKE YOUR OWN.

(ROTA'TE]

25. Mr. Smith believes ft la inponana to reduce our rmlonal detlcl. He balkwu that the belt wrq io r8duce the d8tlclt II by ralllng tUM on II Amerlcanl to help CXNef' government apendlng.

Mr. Jones beleve8 I II lmpol'1alt to reduce our IWJOl"laJ deficl. He belleY• that the be=it Wfl'/ to reduce the deflcll as t:Jy cunlng government spending act'08S the boarci ao that taxes do ra n.ve 10 be lncr811118d.

Whleh ot the8e oplnionl II most like your own - the opinion of Mr. Smith or the opinion of Mr. Jones?

(WNT FOR RESPONSE. TIEN ASK:) WOuld you 8fli ycu feel JUST LIKE (SmltrJJonu) or Oft/ SOMEWHAT LJKE (SmllhfJonN)?

1 FEEL JUST LIKE SMITH ~NCREASE TAXES) 2 FEEL SOMEWHAT UKE SMITH (INCREASE TAXES) 3 FEEL SOMEWHAT LIKE JONES (CUT GOVERNMENT SPENDING) ~ FEEL JUST LIKE JONES (CUT GOVERNMENT SPENOINQ) 6 NOT SURE (DO NOT READ) 6 REFUSED (DO NOT AfADt

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AtBN" C 0 R P 0 RAT I 0 N®

Page 58 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu MBNA Corp...... Credit en No credit crunch here making wind- Company Recent Latest PIE Managed Net Net Return Operating expenses/ fall profits price 12-month loans interest credit on operating revenues from big Interest EPS ($bill margin loss assets spreads. MBNA MBNA 447/a $3.32 13.5 $8.8 7.0% 3.3% 2.8% 60.9% Is plowing It Advanta 26 1'2 1.78 14.9 3.1 8.3 3.5 2.3 51.3 back Into win- First USA 185/a 0.80 23.3 2.5 7.2 3.7 0.1 61.4 nlng new accounts.

Architectural Engineers, will typically When MBNA does lose a major ac- big real estate losses;- Lerner was called turn profitable in two or three years. count to a rival, it does so without in to run MNC. He needed to raise MBNA competes on service, not much regret. Example: Marine Mid- capital fast, and put MNC's best asset, price. Its customer service line is an- land Bank recently won the endorse- MBNA, up for sale. Asking price, $1.1 swered by humans, not a computer, ment of the 280,000-member Ameri- billion. Sears' Discover Card unit and and the switchboard is open 24 hours can Institute of Certified Public Ac- other card issuers looked at MBNA but a day, a big convenience for busy countants by offering the accountants passed, probably on the assumption people. Humans, not computers, re- a no-annual-fee card. Cawley says they'd be able to get it cheaper if they view credit applications. That was MBNA wouldn't change its policy of waited. "The buyers," says Lerner, how MBNA recently won the Lacrosse charging a fee. No matter. Accoun- "overplayed their hand." Foundation's endorsement. The tants think about the value ofmoney a Lerner decided to sell MBNA to the foundation endorsed a local bank's lot and virtually always pay off their public. To make sure the issue could card until that bank's computer bills on time. No fee and no monthly be marketed smoothly, underwriters turned down a board member who interest payments will make this a Goldman, Sachs asked Lerner to use makes $250,000 a year. pretty thin account for Marine Mid- some of his personal resources to The human touch is more expen- land, agrees an AICPA spokesman. support the price of MBNA's new sive, but Cawley says it pays off in Cawley's success with MBNA has stock. Lerner now holds 10% of customer loyalty. When AT&T began added considerably to the personal MBNA's stock; Progressive Corp., an mass-marketing its no-fee-for-life fortune of MBNA Chairman Alfred insurance company he chairs, holds Universal card, MBNA's cardholder Lerner, 59, a Forbes Four Hundred another 4.9%. base was virtually untouched despite member who's worth about $600 MBNA went public in January 1991 Cawley's insistence on charging an million. In 1990 Lerner sold his Balti- at $22.50, valuing the company at annual fee. "We lost zero point one more bank, Equitable Bancorpora- $1.1 billion. It recently traded at 447/s five percent [ 0 .15 % ]ofour accounts to tion, to MNC Financial for MNC stock. a share, 13 times 1992's estimated AT&T," crows Cawley. Within months MNC was reeling from earnings of $3.50 a share. Lerner is sitting on a $lll million paper profit on MBNA-more than enough to off- set his $90 million paper loss on the MNC stock he received for his bank. (NationsBank agreed to buy MNC in July for a minimum $14 a share; Lerner thinks the deal may be done $1 to $2 above that floor. MNC was re- cently trading at 11 %. ) Along with rising interest rates, an- other cloud is on MBNA's horizon. A year ago Senator Alfonse D'Amato (R-N.Y.) proposed a bill capping in- terest rates charged on bank cards. D'Amato's bill got nowhere, but sent a jolt through the financial market; MBNA's stock plunged from 37 to 29. But neither Cawley nor Lerner thinks such legislation is likely to become law. As Lerner puts it: "Do you think the new Administration, with its MBNA affinity credit cards questionable credibility in the finan- Why do groups endorse MBNA'• ens? Royalties. cial community, needs to create a shock wave like that?" • - Excerpted by permission of Forbes magazine, December 21, 1992 ©Forbes Inc., 1992 Page 59 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

alumni of Georgetown University in Most big issuers of bank credit cards mail them out Washington would be better-than-av- to practically anyone with an address. MBNA is erage credit risks. So he asked the generous and far more profitable. alumni group to endorse his card. The much less association agreed, and the response to MBNA's mailings was excellent. Convinced he was on to something lucrative, Cawley next obtained an The human touch endorsement from the American Dental Association. This was fol- lowed by endorsements from such groups as the Aircraft Owners & Pi- By Marcia Berss lots Association. Why do these groups endorse ~ MB A? Answer: MBNA pays the span- ~ soring groups royalties based on the j number of cardholders or card use. The average income of MBNA's cardholders is $54,000, well above that for all bank card holders. About half of MBNA's 8 million cardholders pay its mandatory minimum card fee of$20 a year; the other halfpay higher annual fees of around $40 for premi- um gold cards. In the credit card industry as a whole, only 18% of card- holders pay premium fees and many cardholders pay no fee at all. And here's an oddity. MBNA's card- holders don't pay all their charges each month. They carry an average balance of around $2,200, about 35% higher than the industry average. Net credit losses are below industry norms. Charging its customers interest that works out to an average 17.3% a year, MBNA will earn about $600 million this year on outstanding balances. Right now MBNA has a 7.5% net interest spread, the difference be- tween what it pays for its money and what it charges for use of its money. MBNA President Charles Cawley (left) and Chairman Alfred Lerner But big as it is, this spread may in- Potential buyers thought they could snatch MBNA at a fire-sale price. crease. Why? Because Cawley's prac- "The buyers," gloats Lerner, "overplayed their hand." tice is to sell much of MBNA's card receivables forward at a fixed rate. Currently MBNA is paying an average FOR A MAN facing such well-capital- ed-with an address. Cawley's ap- of 7% to finance its $9 billion portfo- -ized new competitors as GE, AT&T and proach is more selective and much lio. If interest rates stay low, the net GM, Charles Cawley is remarkably more profitable. He markets MBNA's interest spread will widen as the port- calm. Cawley is president of MBNA bank cards to special interest groups, folio is refinanced. Note, however, Corp., the country's fourth-largest primarily those whose members are that short-term rates have been rising issuer of bank credit cards (Master- relatively well-off. One-third of all lately. If they continue to climb, Card and Visa). But he's not missing a doctors, 20% of lawyers, and half the MBNA's spread will narrow. beat as these business giants fight for a American Dental Association carry Cawley is using his profits from low piece of his turf. cards issued by MBNA. interest rates to add 1.8 million new When companies like AT&T and GM Cawley, 52, began marketing to af- accounts to MBNA's base of 6 million build a base of credit card holders, finity groups in 1982. At the time MB A accounts. "That's with no deteriora- they do so by blanketing the market, was part of MNC Financial, a Baltimore tion in credit quality," he quickly issuing a card to almost anyone- bank. Cawley wanted to expand adds. These new accounts, from such children and pets occasionally includ- MBNA's base and reckoned his fellow groups as the National Society of

Page 60 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu Newsrelease Contact David W Spartin Executive Vice President 1-800-362-6255 400 Christiana Road Newark, Delaware 19713

MBNA Corporation Reports 15.53 Increase in Net Income; Splits Stock and Raises Quarterly Dividend

Newark, Delaware (1/19/93) -- MBNA Corporation today reported that net income for the fourth quarter of 1992 rose 15.53 to $51.8 million or $1.04 per share, compared with $44.9 million or $.90 per share for the fourth quarter of 1991. For the full year, net income rose 15.83 to $172.7 million or $3.45 per share, compared with $149.2 million or $3.00 per share for 1991.

In addition, MBNA's Board of Directors approved a two-for-one split of its common shares to be effected in the form of a dividend. In connection with the transaction, one additional common share will be issued on February 12, 1993 for each common share held by stockholders of record as of the close of business on February 3, 1993.

The Board also approved an increase in the quarterly dividend rate on the split stock to $.24 per share, which will raise the annual rate from $.88 to $.96. On a pre-split basis, this is equivalent to increasing the quarterly dividend from $.44 to $.48, or the annual rate from $1.76 to $1.92. The cash dividend is payable April 1, 1993 to stockholders of record as of March 18, 1993.

Total managed loans at year's end were $9.9 billion, a $1.1 billion increase during 1992. For the year, over 2.1 million new cardholders were added. The characteristics of these new cardholders are consistent with the superior quality of the Corporation's existing cardholders. Delinquency on total managed loans was 3.99% at December 31, 1992, down from 4.40% at year end 1991. Managed loan losses for 1992 are 3.33%. Delinquency and loan losses continue to be significantly lower than published industry levels.

MBNA Corporation, a bank holding company, is the parent of MBNA America Bank, N.A., a national bank with $9.9 billion in managed loans. MBNA, the country's third largest lender through bank credit cards, also provides retail deposit, individual loan, card acceptance, and financial transaction processing services.

###

Page 61 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu MBNA CORPORATION AND SUBSIDIARIES FINANCIAL HIGHLIGHTS (dollars in thousands, except per share amounts)

For the Three Months For the Twelve Months Ended December 31, Ended December 31, 1992 1991 1992 1991 (unaudited)

INCOME STATEMENT DATA FOR THE PERIOD:

Net interest income ...... $ 104,405 $ 63,420 $ 357,515 $ 239,599 Net interest margin (a) ...... 8.39% 4.99% 7.23% 5.16% Provision for possible credit losses ...... 24,123 20,237 97,534 86,723 Other operating income ...... 155,982 155,265 577,505 540,708 Other operating expense ...... 154,685 127,817 565,467 459,035 Net income ...... 51,803 44,851 172,732 149,213 PER SHARE DATA FOR THE PERIOD (e):

Earnings (b) ...... $ 1.04 $ 0.90 $ 3.45 $ 3.00 Dividends ...... 0.44 0.40 1.76 1.60 Book value ...... 13.36 11.96 RATIOS:

Return on average assets ...... 3.45% 3.08% 2.96% 2.79% Return on end of period stockholders' equity ...... 31.16 30.05 26.12 25.20 Average receivables to average deposits ...... 77.17 61.64 69.98 71.77 Stockholders' equity to total assets ...... 10.25 9.86 Loan Portfolio: Delinquency (c) ...... 3.78 4.39 Net credit losses ...... 2.73 2.67 2.87 2.65 Managed Loans (d): Delinquency ...... 3.99 4.40 Net credit losses ...... 3.29 3.06 3.33 3.05 Net interest margin (a) ...... 7.84 6.32 7.22 6.36 MANAGED LOAN DATA (d):

At Period End: Credit card loans held for securitization ...... $ 678,000 $ 600,000 Loan portfolio ...... 3,300,650 2,886,405 Securi tized loans ...... 5,881,479 5J27,901 Total managed loans ...... $ 9,860,129 $ 8,814,306 Average: Credit card loans held for securitization ...... $ 541,152 $ 501,087 $ 733,473 $ 560,447 Loan portfolio ...... 2,992,913 2,533,906 2,659,305 2,707,535 Securi tized loans ...... 5,739,414 5J73,626 5,528J94 4~63,279 Total managed loans ...... $ 9,273,479 $ 8,408,619 $ 8,921,172 $ 7,831,261 For the Period: Sales and cash advance volume ...... $ 4,162,280 $ 3,621,221 $14,523,570 $12,915,104

Page 62 of 86 ___ J

This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

MBNA CORPORATION AND SUBSIDIARIES FINANCIAL HIGHLIGHTS (dollars in thousands, except per share amounts)

For the Three Months For the Twelve Months Ended December 31, Ended December 31, 1992 1991 1992 1991 (unaudited) BALANCE SHEET DATA AT PERIOD END:

Investment securities and money market instruments ...... $ 1,345,995 $ 1,768,048 Credit card loans held for securitization ...... 678,000 600,000 Credit card loans ...... 2,659,007 2,299,912 Other consumer loans ...... 641.643 586.493 Total loans ...... 3,300,650 2,886,405 Reserve for possible credit losses ...... (97.580) (97.580) Net loans ...... 3,203,070 2,788,825 Total assets ...... 6,454,511 6,009,028 Total deposits ...... 4,568,791 5,094,011 Stockholders' equity...... 661,290 592,230 AVERAGE BALANCE SHEET DATA:

Investment securities and money market instruments ...... $ 1,435,940 $ 2,039,665 $ 1,572,911 $ 1,401,469 Credit card loans held for securitization ...... 541,152 501,087 733,473 560,447 Credit card loans ...... 2,362,274 1,965,639 2,050,487 2,176,144 Other consumer loans ...... 630,639 568,267 608,818 531,391 Total loans ...... 2,992,913 2,533,906 2,659,305 2,707,535 Reserve for possible credit losses ...... (97.580) {92,771} {97 ~80} {93,284} Net loans ...... 2,895,333 2,441,135 2,561,725 2,614,251 Total assets ...... 5,978,607 5,783,445 5,829,052 5,347,990 Total deposits ...... 4,579,555 4,923,715 4,847,911 4,553,186 Stockholders' equity...... 634,003 568,727 605,079 522,721

Weighted average common shares outstanding and common stock equivalents (000) (e) ...... 50,009 50,003 50,053 49,816

NOTES:

(a) Net interest margin is presented on a fully taxable equivalent basis. (b) Earnings per share data for the three and twelve months ended December 31, 1992 and 1991 is computed using weighted average shares outstanding (including common stock equivalents). (c) Loan portfolio delinquencies do not include credit card loans held for securitization or securitized loans. (d) Managed loans include the Corporation's on-balance sheet loan portfolio, credit card loans held for securitization, and securitized loans. (e) Per share data and weighted average common shares outstanding and common stock equivalents have not been adjusted to reflect a two-for-one stock split of its common shares in the form of a dividend effective February 12, 1993.

Page 63 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

AtBN" CORPORATION "

SUCCESS IS GETTING THE RIGHT CUSTOMERS ... AND KEEPING THEM.

F I R <-, T Q l ' A R T [ R R E P 0 R T T 0 S T 0 C K H 0 L D E R S MARCH 31. 1992 Page 64 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu fIR Ql \ r R RE PURf Tu ...... L)l HC I ) R'>

WE ARE PLEASED TO A'\INOl''\ICE THAT • Michigan State University To Our Stockholders: DUR! 'G Tl IF FIRST QUARTFR OF 1992, • American Thoracic Society This report presents our first quarter results. The Corporation's net income rose MBNA RECEIVED \JFW El\JDOR"F'vlF TS 16.2% to $35.9 million or$. 72 per share, compared with $30.9 million or $.62 per FROM 1 77 PRESTIGIOUS MEMBERS! l!P • State Bar of Texas share for the first quarter of 1991. Also, the Board of Directors declared a quarterly 1 ORGA IZATIO"l..;. dividend of$. 44 per share, payable July 1, 1992 to stockholders of record as of A 10"lG THEM ARF • Packards International 'vlotor Car Club June 24, 1992. Total managed loans at quarter's end were $8.6 billion, a $1.3 billion increase over • Brown Universit) first quarter 1991. For the quarter, we added more than 450,000 new cardholders. The characteristics of these new cardholders are consistent with the superior quality of our • National Association of Neonatal Nurses existing cardholders. As importantly, we signed 177 new endorsements. Delinquency on total managed loans continued a decline that began in fourth • BMW Automobile Club of America quarter 1991-to 4.14% at March 31, 1992, as compared to 4.40% at December 31, 1991and4.49 • College of the Holy Cross % at March 31, 1991. Managed loan losses for the first quarter were 3.27%. Delinquency and loan losses continue to be significantly lower than reported • State Bar of industry levels. MB A is one of the nation's largest lenders through bank credit cards with over • American Society of Safety Engineers 7 million Customers. In addition, we also provide deposit, individual loan, and card processing services to an additional 650,000 Customers. The next few pages tell you • Baylor University more about our direct deposit business.

• Society for American Archaeology

• Early Ford V-8 Club r;w~ 1~1 Alfred Lerner Charles M. Cawley Chairman and President Chief Executive Officer MB A Corporation MBNA Corporation Chairman and Chief Executive Officer MB A America Bank, .A.

H I l F

Page 65 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu \1BNA<..'URPC'RAJ l) .\t-.. >:-;l B"' >ARIE'> MBNA ( l>"- ( >R\TH > ' \'\ID SL P~IIH.\Rl -

, l

(dollars in thousands, except per share amounts) For the Three Months (dollars in thousands, except per share amounts) For the Three Months Ended March 31, Ended March 3 1, 1992 1991 1992 1991 (unaudited) (unaudited)

Income Statement Data For The Period: Balance Sheet Data At Period End: Net interest income $ 78, 199 $ 55,664 Investment securities and Net interest margin (a) 602% 5.29% money market instruments $1,824,110 $1,213,412 Provision for possible credit losses 25,556 22,095 Credit card loans held for securitization 1,000,000 600,000 Other operating income 134,713 115,799 Other operating expense 130,731 100,722 Credit card loans 1,767,849 1,949,0 19 Net income 35,894 30,878 Other consumer loans 584,220 495 ,470 Total loans 2,352,069 2,444,489 Reserve for possible credit losses (97,580) (97,580) Per Share Data For The Period: Net loans 2,254,489 2,346,909 Earnings (b) $ 0.72 $ 0.62 Dividends 0.44 0.40 Total assets 5,937,202 5,129,960 Book value . 12.08 10.82 Total deposits 5,157,100 4,430,191 Stockholders' equity 598,314 535,425

Ratios: Return on average assets 2.40% 2.54% Average Balance Sheet Data: Return on end of period stockholders' equity 24.13 23.39 Investment securities and 78.60 Average receivables to average deposits . 64.53 money market instruments $1,903,121 $ 871,740 Stockholders' equity to total assets 1008 10.44 Credit card loans held for securitization 604,395 567,367

Loan Portfolio: Credit card loans 2,156,981 2,341,33 7 Delinquency (c) 4.17 4.21 Other consumer loans 589,354 483,991 Net credit losses 3.05 2.61 Total loans 2,746,335 2,825,328 Managed Loans (d): Reserve for possible credit losses (97,580) (95,003) Delinquency 4.14 4.49 Net credit losses 3.27 2.85 Net loans 2,648,755 2,730,325 Net interest margin (a) . 6.52 6.31 Total assets 6,023,913 4,933,282 Total deposits 5,192,409 4,316,3 76 Stockholders' equity 590,530 435,634 Managed Loan Data (d): At Period End: Credit card loans held fo r securitization $1,000,000 $ 600,000 Loan portfolio 2,352,069 2,444,489 Securitized loans 5,262,256 4,268,175 Total managed loans $8,614,325 $7,3 12,664

Average: Credit card loans held for securitization $ 604,395 $ 567,367 Loan portfolio 2,746,335 2,825,328 Securitized loans 5,300,471 3,957,346 Total managed loans $8,651,201 $7,350,041

For the Period: Sales and cash adva nce volume $3,092,872 $2,710,924 (a) Net interest margin is presented on a fully taxable equivalent basis. (b) Earnings per share data for the three months ended March 31, 1992 and 1991 is computed using weighted average shares outstanding (including common stock equivalents) of 50.2 and 49.5 million, respectively. (c) Loan portfolio delinquencies do not include credit card loans held for securitization or securitized loans. (d) Managed loans include the Corporation's on-balance sheet loan portfolio, credit card loans held for securitization, and securitized loans.

' r (> ll T r H 3 Page 66 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

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Deposit Services: We win Customers with Groups endorsing MBNA building on MBNA's an attention to detail. deposit products and credit comm1tment to We make sure that every cards represent almost every cti depositor receives the same cause, avocation, and profes- for sion. Physicians are typical of The credit card is brand of peerless service Customer." Mem- MBNA America's which MBNA is known. "the right bers of 27 medical organiza- primary business. First, we give our Customers tions ha\'e invested over $130 But it's only one what our research shows is million in MB A CDs, money of the things we do most important to them: market accounts, and retire- well. In five short very competitive interest ment funds. In addition, years, deposit accounts rates, the security of FDIC the endorsement of at MBNA have grown to insurance, higher rates for through medical organiza- $5.2 billion, including significant balances, and a nearly 100 currently pro\'ide $3.1 billion in direct written confirmation of tions, we services to 38% of deposits (deposits from individuals every deposit, sent out daily. credit card in the and their businesses). MBNA's direct The people of MBNA will speak all the physicians deposit business includes $1.6 billion with deposit Customers by phone United States. 2 70,000 in money market accounts, $1. 4 nearly 500,000 times this year. A Approximately to carry MBNA's billion in certificates of deposit-and service area devoted entirely physicians us a market over $100 million in retirement deposit Customers enables indi- Who is the MBNA Deposit These profiles indicate that, so long card-giving unique among accounts. vidualized attention and fast Customer? as we do our job by providing dominance service with on-line capability. For MBNA's method ofbranchless excellent service and competitive financial service companies. How does MBNA do it? example, checks are ordered banking allows us to use a highly rates, we can look forward to stable, Our physician Customers, MBNA is an innovator both in instantly while the Customer is still targeted approach to finding our long-term relationships with our on a\'erage, use their MBNA credit card and deposit product those offered by most local bank on the phone; the Customer receives Customers. Currently, a number of deposit Customers. credit cards more than four marketing. We combine the best of branches. It gives MBNA a nation- them with in days instead of weeks. the organizations endorsing MBNA As a result of these outstanding times per month, average over two worlds by offering traditional wide market-and Customers The area also includes a retention credit cards also endorse deposit Customer characteristics, account $93 per purchase, and main- bank products and delivering them that span the continent. Cus- unit that reminds Customers with products. The members of one of balances are significantly higher tain an average balance of in a nontraditional, cost-effective tomers from New England to maturing CDs of the benefits of the larger groups have deposited than industry a\'erages. MBNA's $3,100. Losses are \'cry low. way. Unlike most other banks, deposit their savings keeping their investments with over $400 million with MBNA. average money market account The future business potential MBNA does not rely on an expen- with MB A. MBNA. We target those groups whose balance is $23,000, compared of this particular segment is sive branch network. Instead, MBNA's method of branchless We also provide our deposit demographics suggest a higher- to an industry average of $20,600. extraordinary. MBNA serves its deposit Customers banking means lower operating Customers with a quarterly news- than-average propensity to bank Our average CD balance is $40,000, by telephone and through the costs than those of our competitors letter, which provides financial tips, by mail or telephone. The typical compared to an industry a\'erage of Investing in the future. mail-just like we serve our who maintain branch locations. cross-sells other products, and MB A money market Customer is $10,600. O\'er the next few years, MBNA's 7 million credit card Customers. We pass some of these savings on reports news about the company- 55 years old, married, employed deposit business will continue to This unique approach is more to our Customers. The result? reaffirming for the Customer that in a professional or technical occu- focus on providing superior prod- convenient for Customers, giving MB A is recognized nationwide investing with MBNA is a wise 1 pation, has a household income of ucts backed by excellent service. them service hours that surpass for superior deposit products. decision. l more than $50,000, and has lived That means treating each Customer MBNA CDs offer interest com- at the same address for 11 years. across the country as our most pounded daily, a low minimum The typical MBNA certificate of important Customer-which is investment of $2,500, and flexible deposit Customer is 64 years old, easy, because each one is. Success terms from 6 months to 60 months married, retired, and has a house- is getting the right Customers- or longer. hold income of more than $50,000. and keeping them.

4 5 Page 67 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

\1BL 'Ar l H '()F \T ll) A T) :-,, BS!L) ,\RU S Y1BNA(c1'ft)~\I1c1. AD~ ~ lI'l\KI:.~

Condensed Consoli - inancial Co Condensed Consolidate '" ,., in Stockholders' Fquity (dollars in thousands) March31, March 31, (dollars in thousands) 1992 1991 For che Three Months Assets: (unaudited) Ended March 3 1, 1992 1991 Cash and due from banks $ 92,750 $ 193,952 Interest earning time deposits in other banks 14 3,583 100,038 (unaudited) Federal funds so ld and securities purchased under resale agreements 190,000 4 70,648 Balance, beginning of period $592,230 $214 ,098 In vestment securities 1,490,527 642,726 Organization of MBNA Corporation and Credit card loans held for securitization 1,000,000 600,000 issuance of common stock 310,249 Loans 2,352,069 2,444,489 Exercise of stock options, net of Reserve for possible credit losses (97,580) (97,580) shares repurchased and retired (8,020) Net income 35,894 et loans 2,254,489 2,346,909 30,878 Dividends-$.44 and $.40 per share at Other assets 765,853 775,687 March 31, 1992 and 1991, respectively (21,790) (19,800) Total assets . $5,937,202 $5,129,960 Balance, end of period $598,314 $535,425 Liabilities and Stockholders' Equity: Deposits $5,157,100 $4,430,191 Other liabilities 181,788 164,344 Total liabilities 5,338,888 4,594,535 Reser ss"I osses Stockholders ' equity 598,314 535,425 (dollars in thousands) Total liabilities and stockholders' equity $5,93 7,202 $5,129,960 For the Three Months Ended March 3 1, 1992 1991 (unaudited) Reserve balance, beginning of period $ 97,580 $ 97,580 Provision charged to operating expense LO t me 25,556 22,095 Credit losses(!) (28, 728) (25,360) (dollars in thousands, except per share amounts) For the Three Months Recoveries 3,172 3,265 Ended March 31, 1992 1991 Net credit losses (25,556) (22,095) (unaudited) Reserve balance, end of period $ 97,580 $ 97,580 Interest income $157,183 $145,155 Interest expense . 78,984 89,491 Net interest income 78,199 55,664 (1) Credit losses do not include losses from sccuritizcd loans, which are charged to the related trusts under the respective contracts Provision for possible credit losses 25,556 22,095 The accompanying note is an integral part of the condensed consolidated financial statements. et interest income after provision for possible credit losses 52,643 33,569 Other operating income 134,713 115,799 Other operating expense . 130,731 100,722 ~ote to the Condensed Consolidated F" Income before income taxes 56,625 48,646 Applicable income taxes . 20,731 17,768 Basis of Presentation for com piece financial scacemencs. In the opinion of management, Net income .. $ 35,894 $ 30,878 The accompanying unaudited condensed consolidated all adjusrmencs (consisting of normal recurring accruals) financial scacemencs have been prepared in accordance with considered necessary for a fair presentation have been included. generally accepted accounting principles for interim financial Operating resulcs for the three months ended March 31, 1992 arc information. Accordingly, they do not include all of the information not necessaril y indicative of che resulcs Earnings per share chat may be expected $ 0.72 $ 0.62 and footnotes required by generally accepted accounting principles for che year ended December 31, 1992. Weighted average common shares outstanding and common stock equivalents (000) 50,201 49,500

The accompanying note is an integral part of the condensed consolidated financial statements.

I II I O I 1 , I 1 6 T H ' F () M I R Page 68 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu \1B A(_ lRPL>R.. \[ l) A ) '1 B"II'l \R!E"

Directors and Officers

MBNA CORPORATION MBNA AMERICA BANK, N .A. Board of Directors Senior Opera ting Officers MBNA AMFRICA BANK, N.A. Al The principal subo;1diary of MBNA C orporanon, MBNA America is fred Lerner Gregg Bacchieri the count!)\ third-large"'t Chairman and Chief Executive lender through bank c.rccLt cards with $8 6 bi:l:on in managed Officet· Executive Vice Pt·esident - Loss Pt·evention loan"' to more than 7 million MBNA Corporation C ust· w1er.., natiom\ ~Je 1 he .:ompany Patrick M. Blewett is the Ir a ding 1-;,sue!" .:if affhit) c.red ;t ..:ard"> marketed Charles M. Cawley pnm<1r1ly through Executive Vice President - Individual Banking the endorsement of membership associanom MBNA i\mcnca s financial President Kenneth F. ,cf\ .:es a~e endorsed ry more than l 600 member<;h1p organ.Lations and MBNA Corporation Boeh l QOO tin.me ml mstituu0ns Executive Vice President - Audit Chairman and Chief Executive Officer and Control MBNA America Bank, N.A. Charles M. Cawley Subsidiaries of the Bank Chairman and Chief James H. Berick, Esq. Executive Officer Chairnian John R. Cochran llI MBNA MARKETING SYSTEMS, INC. Berick, Pearlman, & Mills Co. , LP.A. Vice Chairman - Business Development \1BNA has establisheL: state-o!-the-an telemarketing fa.:ilities to support .le.count Stuart L. Markowitz, M.D. Ronald W. Da\•ies ac:quismon and maintah"> sit(, m , '~ wark dnd Dover Dela\\ are, as we·I as 1.:iwc,on, Vice Chairman - Information Services Internist Mary IJncl and Georgia. In addition to c.recl•t cards, \1arke«ng Syste1r" cross Assistant Douglas R. Clinical Professor Denton sdls hdi\'ldual :van, depustt dnd insur:mce products. Case Western Reserve University, College of Medicine President - SSBA America Michael Rosenthal, Ph.D. K. David Elgena MBNA PAYMENT SYSTEMS, INC. Professor Executive Vice President - Personnel fhw..igh ,r-, Payment ~rte.ms c.orporat.on MB. A prU\ des credu Llrd proc:ec,sirg, p:i\'at.; Columbia University Terrance R. Flynn label urds, and other payment o;ef\·ic:es to 55,000 Customer<,, ir.:ludmg medkal Joseph A. Sell inger, S.j. Executive Vice President - Group Administration and professional providers financial institutions and retail President Bruce L. Hammonds 1rerchants Loyola College in Maryland Vice Chairman - Business Management SSBA AMERICA, INC. John ]. Hewes C,SBA i\mer ca, Inc. is ari mfonnanon processing company Executive Vice President - Credit he<.idquartered m Dallas, ·r exa"', serYing financial institutions comprising M. Scot Kaufman o\'Cr 15 million Customers ;1at1om\ 1de and more than 250,000 Seniot· Executive Vice President - Finance merchant plans. The company also pro\ ides pnntmg, data processing, Victor P. Manning and mail mg sen ices to husmess.:s in a number of industrie<. Executive Vice President - Accounting Janine D. Marrone Executive Vice President - Customer Satisfaction William P. Morrison Independent Auditors Executive Vice President - Sales F.rnst & Young David W. Nelms Executive Vice President - Planning Corporate Registrar and Trans~r Agent Harry G. Pappas.Jr. Vice Chairman - Finance and Control Security Tru">t C.ompariy,, A. John W. Scheflen "Our consiste nt results have com e from focused Executive Vice President and General Counsel Principal Financial Contact marketing , stringent underwriting and thorough Craig T. Smith collection techniques. for further i'lfor'llat11n about MB 1A Corporat.~m Jnd lt'> In other words, it all flows Executive Vice President - Information Systems Support sul'sllhancs, ple.ise c.onwc.t from getting the right Customer s." Richard K. Struthers Da\ 1d W. "parti:1 Bruce L. Ha mmonds Executive Vice Pt·esident - Marl1eting Sen 1r ViLe Prec,id~nt Im e<,tor Rel.mons Howard C. Wallace \1R A C1rporauon Executive Vice President - Telemarl1eting 400 Chrs•1,ma Road Lance L. Weaver mark, DeLware I 971 3 Seniot· Executive Vice President - Administration (800; 362 62 ) ) Charles F. Wheatley (302; 4)6 8188 Senior Executive Vice Pmident - Portfolio Monitoring Vernon H. C. Wright Executive Vice President - heasury

8 Iv [ R

Page 69 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu ATTENTION TO DETAIL It drives everything we do-from credit card:. to deposit accounts

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AtBN"6 CORPORATIOW

SUCCESS IS GETTING THE RIGHT CUSTOMERS ... AND KEEPING THEM.

OUR SECO D DECADE

SECOND QUARTER REPORT TO STOCKHOLDERS )Ul\E 30. 1992

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SEC00JD Q UARTER REPORT TO STOCK!IOLDFRS

• Ferrari Club of America WE ARE PLEASED To Al\NOU '( r· TI !AT To Our Stockholders: DURING THE SFCOl>\D QLARTER OF 1992, • State Bar of Wisconsin MBNA RECEIVED NfW Ei DORSfMENTS This report presents our second quarter results. The Corporation's net income rose FROM 163 PRESTlGIOLS MEMBERS! l!P • Pennsyh·ania Medical Society 15.6% to $38.3 million or$. 77 per share, compared with $33.2 million or $.6 7 per 0RGA1'\IZATIO ·c, share for the second quarter of 1991. For the first six months of this year, net income rose • Sports Car Club of America 15.9% to $74.2 million or $1.48 per share, compared with $64.0 million or $1.29 per share AMO G THE\1 ARI: for the first half of 1991. Also, the Board of Directors declared a quarterly dividend of • Brandeis Uni\·ersity $.44 per share, payable October 1, 1992 to stockholders of record as of September 16, 1992. Total managed loans at quarter's end were $8. 9 billion, a $1.1 billion increase over • California Societ) of Certified Public second quarter 1991. Delinquency on total managed loans continued a downward trend Accountants from 4.40% at year end 1991and4.14% at March 31, 1992, to 3.98% at June 30, 1992. Annualized managed loan losses year to date are 3.36%. Delinquency and loan losses • New York State Nurses Association continue to be significantly lower than reported industry levels. Most importantly, during the first half of 1992 we added almost one million new • Universit) of Texas-Austin cardholders, a 36% increase over 1991. Consistent with the characteristics of our existing cardholders, our new Customers earn an average of $45,000 annually, have worked in • American Academy of Osteopathy their professions for 13 years, and have paid their bills promptly for 14 years. In addition, we have signed 340 new endorsements during 1992, a 31 % increase over 1991. • Loyola Marymount MBNA is one of the nation's largest lenders through bank credit cards with more than 8 million Customers. In addition, we provide deposit, individual loan, card acceptance, • Philadelphia Bar Association and financial transaction processing services. The following pages tell you more about our financial transaction processing and transportation marketing businesses. • New York City Grand Opera

• International Rehabilitation Medicine Association

• Maryland Association of Certified Public Accountants Alfred Lerner Charles M. Cawley • United States Field Hockey Association Chairman and President Chief Executive Officer MBNA Corporation • Amencm Institute of Profe-,sional MB A Corporation Chairman and Geologists Chief Executive Officer MBNA America Bank, N.A. • Academ) of Political Science

• University o[ \fassachu .... etts-Amherst

r H I I( 0 F \ ,' l R S t A ' A l l T 0 \\ E P Page 72 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu MBNA CO RPO RATIO 'AND SCBSIDIARIES MB 'A CORPORATIO. At\D SUBSIDIARIES

Selected Financial Data Selected Financial Data (dollars in thousands, except per share amounts) (dollars in thousands, except per share amounts) For the Three Mo nths For the Six Months For the Three Months For the Six Months Ended June 30, Ended June 30, Ended June 30, Ended June 30, 1992 199 1 1992 1991 1992 1991 1992 199 1 (unaudited) (unaudited)

Income Statement Data For The Pe riod: Balance Sheet Data At Period End: et interest income $ 86,240 $ 55,005 $ 164,439 $ 110,669 Investment securiti es and et interest margin (a) 7.02% 4.87% 6.51% 5.08% mon ey market instruments $1,394,020 $1,384,630 Provision for possible credit losses 25,046 21,683 50,602 43,778 Credit card loans held for securitization 890,000 600,000 Other operating income 135,480 128,730 270,193 244,529 Other operating expense 136,388 110,285 267,119 211,007 Credit card loans . 1,761,932 1,921,810 (Operating and business development expense) Other consumer loans 608,975 534,045 Net income 38,344 33,158 74,238 64,036 Total loans 2,370,907 2, 455,855 Reserve for possible credit losses (97,580) (97,580) et loans 2,273,327 2,358,275 Per Share Data For The Period: Earnings (b) $ 0 77 $ 0.67 $ 1.48 $ 1.29 Total assets 5,545,989 5,186,671 Dividends. 0.44 040 0.88 0.80 Total deposits 4,757,744 4,451,855 Book value 12.38 11.07 Stockholders' equity 613,165 548,127

Ratios: Average Balance Sheet Data: Return on average assets . 2.67% 2.54% 2.53% 2.54% Investment securities and Return on e nd of petiod stockho ld ers' equi ty 25. 15 24.26 24.35 23.56 mon ey mar ket ins truments $1,562,786 $1,338,378 $1,732,954 $1,106,348 Average receivables to average deposits 68.28 72.57 66.37 75.53 Credit card loa ns held f or securiti zati on 998,791 580,220 801,593 573,829 Stockho lders' equity to total assets 11.06 10.57 Credit card loans 1,799,603 2, 116,076 1,978,292 2,228,084 Loan Portfolio: Other consumer loans 599,053 525,460 594,203 504,840 Delinquency (c). 3.89 4.08 Total loans 2,398,656 2,64 1,536 2,572,495 2,732,924 Net credit losses. 2.95 2.69 3.00 2.65 Reserve for possible credit losses. (97,580) (92,568) (97,580) (93, 779) Managed Loans (d): et loans 2,30 1,076 2,548,968 2,474,915 2,639,145 Delinquency . 3.98 4.20 Net credit losses. 346 3.12 3.36 2.98 Total assets 5,771,648 5,216,618 5,897,781 5,075,732 Net interest margin (a) 7.02 6.16 6.77 6.23 Total deposits 4,975,587 4,439,334 5,083,997 4,378,194 Stockholders' equity 586,574 534,799 588,552 485,491

Managed Loan Data (d): At Period End: Credit card loans held [or securitization $ 890,000 $ 600,000 Loan portfolio 2,370,907 2,455,855 Securitized loans 5,625,384 4,696,236 Total managed loans $8,886,291 $7,752,091

Average: Credit card loans held for securitization $ 998,791 $ 580,220 $ 801,593 $ 573,829 Loan portfolio 2,398,656 2,641,536 2,572,495 2,732,924 Securitized loans 5,367,784 4,310,823 5,334,127 4,135,06 1 Total man aged loans $8,765,231 $7,532,579 $8,708,215 $7,441 ,8 14

For the Period: (a) Net interest margin is presented on a fully taxable equivalent basis. $3,581,348 $3,207,062 $6,674,220 $5 ,917,986 (b) Earnings per share data for the three and six months ended June 30, 1992 and 1991 is computed using weighted average shares outstanding Sales and cash advance volume (including common stock equi\·alcnts). (c) Loan portfolio delinquencies do not include credit card loans held for sccuritization or securitized loans. (d) Managed loans include the Corporauon's on-balance sheet loan portfolio, credit card loans held for sccurn1zation, and sccunuzcd loans

c' V c A T >; " 0 c R E L F \ S A 0 \, E R. T H K f· 0 R ' E L F \ S ' 'v: E R. Page 73 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

'D KEEPL G THE\1. SLCC ES':> IS GETTI. G T HE RI GHT CUSTOMERS . . A

will access the appropriate infonna- millions of stateme nts and pay- Transportation Marketing- Quarter Horse Heritage Center tion in less than 3 seconds. Year-to- ments are processed p rope rl y each for Customers on the move &Museum. date, the average computer respon se mo nth. And that approximately America's love time is under 1.4 seconds. 900,000 cards are acc urately p ro- Our success with transporta- Recognizing duced and delivered each mo nth. tion-related programs began affair with the automobile 1992 Average Daily Response Time such as ·1 For example, SSBA's specifi c when the Aircraft Owners & Automotive groups, Club of Jan per forman ce standard for respond- Pilots Association endorsed an the Antique Automobile for more than J ing to mercha nt authorizati on MBNA credit card program in America, account Feb 's transportation requests is 9 seconds; in 1991, the 1984. Since then MBNA has 30 of MBNA Mar reach auto compan y's actual per forman ce was earned the endorsement of 86 endorsements. To MBNA Apr 5 seconds. Similarly, new ca rds are transportation groups, including enthusiasts effectively, techniques, produced and mail ed within 24 groups of horse, car, boat and employs a variety of May and ho urs at least 99% of the time. e\'en hot air balloon enthusiasts. including direct mail Jun Like other affinity group telemarketing, that have proven -¥'-~~~--.-~-+~--l 1992 Speed of Answer successful with other segments SSBA America-Innovative MBNA every day- that mean s more 0 2 3 4 members, transportation-related Seconds Standard to their of our business. financial transaction process- than 800 million per year. When a Customers are loyal Jan making them ideal In addition to these more ing backed by a traditional Customer decides to use his MB A SS BA also enables MBNA to create organizations, a successful credit traditional methods, MBNA is commitment to service card , a system that is available 95% customi zed cre dit card programs Feb prospects for card program. also reaching automobile SSBA Ameri ca has served the or even 99% of the time just isn't fo r the nearly 2, 700 me mbership Mar ti ons a nd fin ancial institu- Once these Customers receive enthusiasts through its sponsor- transaction p rocessing n eeds of good enough. At SSBA, the goal is organi za Apr a card, they use it. Currently, 70% ship of the 1992 Great American fin anc ial institutions s ince 196 8. 100%, and th e minimum standard is tions that endorse the compan y's May of our transportation group card- Race, a cross-country e\'ent MBNA became a Cu stomer of SSBA 99 .5 %. So far this year, the people of products. Through sophisti cated automo- printing techniques, SSBA fac ilitates Jun holders are active Customers. exclusively for antique in 198 2, and in May 1991, SSBA SSBA have ens ured that the system -JL-~,.--.-~-,--~+---.~ MBNA develops credit card biles. The race travels through became a who lly owned s ubsidiary is ava ilable 99.99% of the time. the producti on of custom marketing 3 5 7 9 11 Seco nds "iia nd<'l rd programs for the members of 44 cities, drawing more than one of MBNA America. SSBA is one of and p romo ti onal mate ri als as well each transportation group-just million spectators. the na ti on's top fo ur providers of • • ... as custom cre dit cards and billing Backing MBNA's ongoing as we do for the members of all The official credit card of the bank card processing services based stateme nts. commitment to the Customer Jan • our endorsing organizations-by Great American Race is the on accounts on f il e. W ith locati ons .111111 Looking ah ead , SSBA Am eri ca , Serving financial institutions with credit card America's Great Cars series, Feb combining superior in Texas and Delaware, SSBA serves .111111 will continue to provide its ,' a meticulous attention to detail services with attractive, custom- MB A's first transportation- MB A a nd other leading financial Mar Customers w ith the most ad- .111111 SSBA serves approximately designed cards. The groups also related credit card program not institutions across the country. , vanced processing systems Apr .111111 2,000 fin ancial institutions offered through an endorsing suppo rted by p eerless benefit from the relationship. For , over 15 million available, Helping MBNA put the May na ti onw ide, with American organization. The customized .111111 service. This commitment will example, every time an cardholder first , cardholders and more than cards were recently introduced jun ensu re that SSBA continues to Quarter Horse Association SSBA's many p rocessing capabili- 250,000 merchant plan s. During uses his or her card to at major automobile events, 60 70 80 90 100• serve all of its Cu stomers accu- member mbossing and distr ibuting Standard peak periods, SS BA systems pro - producing a response compa- ti es-e ra tely, reliably, and effi ciently. make a purchase, MBNA credit cards, issuing monthly billing cess 170 transactions per second . 1 to the American rable to that of our endorsed Of course, system availabili ty must contributes stateme nts, posting payments to Li ke MB A, SSBA continually automobile groups. be coupled w ith responsi ve ness. A J accounts, and supporting authori- addresses service qua lity th rough Transportation Marketing is an respon se time of 20, 10, or even za tion of credit card t ransacti ons per forman ce sta ndards that ens ure innovative strategy that contin- 5 seconds would be too long. When -are an integral part of the service that every Customer r eceives a ues to deliver steady growth. a Cus tomer calls MBNA with a MBNA p rovides its Cu stomers. level of service unsurpassed in the And it represents a logical questi on abo ut her account, the SS BA's computer systems must industry. That m eans hundreds of extension ofMBNA's commit- Customer Satisfaction representative be ava ilable for the more than thou sands of m ercha nt authoriza- ment to tailoring products to the 2.25 million inquiries and trans- ti ons are handled r esponsi vely needs of our Customers. ac tions ini tiated by the Customers of every day, around the clock. That

T H I !\ K 0 F Y 0 c' l< \ f l A ' l L T M f R 5 ' ~1 4 () y L) 5 E L • A A c L r o E R Page 74 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu MBNA CORPORATION Al\D SUBSIDIARIES MBNA CORPORATION Ar--.D SUBSIDIARIES

Condensed Consolidated Statements of Financial Condition Condensed Consolidated Statements of Changes in Stockholders' Equity (dollars in thousands) June 30, June 30, (dollars in thousands) 1992 1991 For th e Three Months For the Six Months Assets: (unaudited) Ended June 30, Ended June 30, Cash and due from banks $ 120,109 $ 122,898 1992 1991 1992 1991 Interest earning time deposits in other banks 2 7,083 105,039 (unaudited) Federal funds sold and securities purchased under resale agreements 113,000 347,910 Balance, beginning of period $598,314 $535,425 $592,230 $214,098 Investment securities 1,253,93 7 931,681 Organization of MBNA Corporation and Credit card loans held for securitization 890,000 600,000 issuance of common stock (656) 309,593 Loans 2,370,907 2,455,855 Exercise of stock options 3,534 19,511 Reserve for possible credit losses (97,580) (97,580) Acquisition and retirement of common st ock (5,244) (29,241 ) et loans 2,273,327 2,358,275 et income 38,344 33,158 74,238 64,036 Other assets 868,533 720,868 Dividends (2 1,783) (19,800) (43,573) (39,600) Total assets . $5,545,989 $5,186,671 Balance, end of period . $613,165 $548,127 $6 13,165 $548,127 Liabilities and Stockholder s' Equity: Deposits $4,757,744 $4,45 1,855 Other liabilities 175,080 186,689 Reserve for Possible Credit Losses Total liabilities 4,932,824 4,638,544 Stockholders' equity 613,165 548,127 (dollars in thousands) For the Three Months For the Six Months Total liabilities and stockholders' equity $5,545,989 $5,186,6 71 Ended June 30, Ended June 30, 1992 1991 1992 1991 (unaudited) Reserve balance, beginning of period $ 97,580 $ 97,580 $ 97,580 $ 97,580 Provision charged to operating expense . 25,046 21 ,683 50,602 43,778 Condensed Consolidated Statements of Income Credit losses(!) (28,806) (25,44 7) (5 7,534) (5 0,807) (dollars in thousands, except per share amounts) Recoveries 3,760 3,764 6,932 7,029 For the Three Months For the Six Months et credit losses (25,046) (2 1,683) (50,602) (43,778) Ended June 30, Ended June 30, 1992 1991 1992 199 1 Reserve balance, end of period $ 97,580 $ 97,580 $ 97,580 $ 97,580 (unaudited) Interest income $150,718 $143,717 $307,901 $288,872 (1) Cred it losses do not include losses from sccuritized loans. which are charged to the Interest expense 64,478 88,712 143,462 178,203 related trusts under the respecti,·e contracts The accompan)1ng note is an integral part of the condensed co nsolidated financial statements. N'etintere stincorne 86,240 55,005 164,439 110,669 Provision for possible credit losses 25,046 21,683 50,602 43,778 et interest income after provision for possible credit losses 61,194 33,322 113,837 66,891 Other operating income 135,480 128,730 270,193 244,529 Note to the Condensed Consolidated Financial Statements Other operating expense 136.388 110,285 267,119 211,007 Income before income taxes . 60,286 51,767 116,911 100,413 Basis of Presentation for complete financial statements. In the opinion of management, The accompanying unaudited condensed consolidated all adjustments (consisting Applicable income taxes 21,942 18,609 42 ,673 36,377 of normal recurring accruals) financial statements have been prepared in accordance with considered necessary fo r a fair presentation have been included. N'et income $ 38,344 $ 33,158 $ 74,238 $ 64,036 genera ll y accepted accounting principles for interim financial Operating results for the three and six months ended June 30, 1992 information. Accord ingly, they do not include all of the informati on arc not necessarily indicative of the resu lts that may be expected for and footnotes required by generally accepted accounting principles the year ended December 31, 1992. Earnings per s hare $ 0.77 $ 0.67 $ 1.48 $ 1.29 Weighted average common shares outstanding and common stock equivalents (000) 49 ,993 49 ,759 50,097 49,647

The accompanying note is anintegral part of the condensed consolidated financial statements.

6 , H I ~ ~ o F ,' l R S c A A c U T o \! £ R Tlllt\K OF YO R S F L o \t r Page 75 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu MBt 'A CORPORATIO,' A. 'D SCBSIDIARIES

Directors and Officers

MBNA CORPORATION MBNA AMERICA BANK, N .A. MBNA America Bank, N.A. Boa rd of Directors Management Committee The principal subs1diar) of MB!\lA Corporation, MB. A America is the countf) 's third largest Alfred Lerner Gregg Bacchieri lender through bank credit cards, with $8. 9 billion in managed loans to 8 million Customers Cha irman and Ch ief Executive Officer nationwide The company is the leading issuer of affinity credit cards, marketed Patrick M. Blewett primaril) MBNA Corporation through the endorsement of membership associations. MB'.'JA America\ financial sen·1ces are Kenneth Charles M. Cawley F. Boehl endorsed hy I, 700 membership organizations and 950 financial institutions. President Charles M. Cawley, Chief Executive Officrr MBNA Corporation Chairman and Chief Executive Officer John R. Cochran III, Chief Administratil'C Off1m Sub sid iaries of the Bank MBNA America Bank, N.A. Ronald W. Davies, Chiif Information Officu MB NA MARKETING James H. Berick, Esq. SYSTEMS, INC. Terrance R. Chairman Flynn MB. A ha~ establ•,hed state of-the art telcmarketmg fac lniL" to support account Berick, Pearlman , & Mi lls Co. , LP.A. Bruce L. Hammonds, Cl11cf Operating Offim acquisition and maintains sites in t\e\\ark and Dowr, Delaware, as well as Baltimore, Stuart L. Markowitz, M.D. John]. Hewes Maryland and Atdnta, Georg ..:i. In addmon to credit card-. Marketin~ S\ qc.ms er 1ss- Internist sells mdi\·idual loan, depes1t, and msurance products. Assistant Clinical Professor M. Scot Kaufman, Cl11cf F111ancial Officer Case Western Reserve University, College of Medicine John W. Scheflen, General Counsel MBNA PAYMENT SYSTEMS, INC. Michael Rosenthal, Ph.D. Richard K. Struthers rhrough ns Payment Systems corporation, MB. A prm·ices credit card processing pm ate Professor lahcl cards, and other payment sen·ices Columbia University Lance L. Weaver to 55,000 Customers, including medical and professional pro\·iders fmarcial institutions, and retail mercrants. Joseph A. Sellinger, S.]. Charles F. Wheatley President SSBA Loyola Co llege in Mary land Vernon H. C. Wright, Chief Co1porntc Finance Officu AMERICA, INC. '>':>BA America Inc. is an mforrnanon processmg compan) headquarteecl n Dallas, ·r l xas, scn·ing financial mst1tut1ons comprising more than 15 million Customers nation\\ idc and more than 250 000 merchant pla'1s The compam· also pro\·ides printmg, data proce,smg, ,md mail mg scn·ice.., to businesses in a number of industric ....

Independent Auditors

Ern~t & Young

Corporate Registrar and Transfer Agent Sccunt) 1 rust Com pan) , .A

Principal Financial Contact for f..irther infor nat!L"1 .. bout MB ':\ Corporatwn "ncl ts subsichanes, r eas~ conuct· Da\ 1d Vv . ";iarti"1 "The ability to customize products to meet <,en or \'ice l're-.ident lm·ec;tor Relations the special needs of our Customers is 'v!B AC0rpo~at1on MBNA's hallmark." +L'L' C hnst ma Road John R. Cochran III , mark, Dc.hwarc 19713 '>-jJll) ~b 1 -t-2 )5 ( ~J) 1 45D 8'588

8 T H K ~' !... S T 0 \1 E R Page 76 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu ATTENTION TO DETAIL It drives everythmg we do

Wether you're engineering a fine car or • became the first credit card compan; to be designing superior financial products, traded on the 'ew York Stock Exchange dedication to perfecting e\·en the smallest detail You'll find proof of our .mention to detail in the is what sets you a par~ from; our competition customized design of each ot our credit cards. In the flexibilit) of our GoldCemfica.te ( D Jcrount Thie, obJeCtl\'e has sened as MB 'A America's And in other diverse products such as cornerstone since the compan; was founded GoldResen'e,<& a revolving !me of cred1~ aLcessed ten yeJro .. ago In JU<;t one decade, MB 'A b; check, the GoldSav ers Mone; Market • grew to become the \\orld's leading issuer of Account; and GoldOpt·on, a fixed-pa) 'TI~nt the Gold MasterCard® and the nation's third- line of credit that enables; ou to select a repayment terr'l that bec,t suns largest issuer o~ bani· credit cards O\ erall your reeds • su-:ce-,~fully de\ eloped a depoc,it c,en,;ces Mo'>t il"1portantly. )Ou'.l find it in ~lB A., busines::> \\ith $4.8 billion m total deposit<; ded·cauon to deh ering superior C ustor-ier sen ll.c.

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C 0 R P 0 R AT I 0 N'"

SUCCESS IS GETTING THE RIGHT CUSTOMERS ... AND KEEPING THEM.

OUR SECOND DECADE

TH I RD QUARTER REPORT TO STOCKHOLDERS SEPTEMBER 30 , 1992

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TI llRD QUARTER REPORT TO STOCKHOI.DFRS

WE ARF PLEASED TO ANNOL'NC[ THAT • Sprint To Our Stockholders: DURING THE THIRD QUARTfR Of· 1992, This repo rt presents o ur third qua rter r esults. The Corporati on's net income rose MBNA RECEIVED NEW ENDORSEMENTS • University of California-Berkeley 15.8% to $4 6.7 million or $. 93 per share, compared w i.th $4 0.3 million or $.81 per FROM 175 PRESTIGIOUS ORGANIZATIONS. • Sierra Club share for the third qua rter of 1 991. For the first nine mo nths of this year, net income AMONG THEM ARE: rose 15.9% to $1 20.9 million or $2.42 per share, compared with $104.4 million or • University of Virginia $2.10 per share for the fi rst nine months of 1 991. On October JO , 1992, the Board of Di rectors declared a q uarterly divi dend of $. 44 per share, p ayable January 1, 1993 to stoc • Association of the Bar of the City of kholders of r ecord as of December 18 , 1 992. Total managed loans at qu arter's end were over $9.2 billion , a $1.0 billion increase New York over third quarter 1991. De li nquency on total managed loans was 4.11 % at Septem ber 30, 1992, down from 4.40% at year-end 1991. Annualized managed loan losses yea r to date • Miata Club of America are 3.34%. Delinquen cy and l oan losses continue to be significantly lower than reported industry levels. • New Hampshire Medical Society There's been a grea t deal of talk recently abo ut new competition in the cre dit card business. Competition, h owever, is no thing new to us-during the l ast 11 years, •National Independent Automobile competition h as been consta nt and we take it very seriousl y. lt has not, h owever, Dealers stopped us from add ing a r ecord 1.5 million n ew cardholders and signing over 500 new endorsements so fa r this yea r, bringing the total number of e ndorsing me mber- • Radio Television News Directors ship organizati ons and fin ancial in stitutions to more than 2,800. Association

• Babson College

• Smith College

• Lacrosse Foundauon :- Alfred Le rner Cha rl es M. Cawley • National Society of Architectural Cha irman and President Engineers Ch ief Executive O ffi cer MBNA Corporation MBNA Corporation Chai rman and • Tufts University Chief Executive Officer MBNA Ame rica Bank, N .A. • United States Camara Club

•The US. Merchant Marine Academy

• Yankee Magazine

• North Fork Bank and Trust Company Attenuon to detail ... drives everything we do. ======:==c======:::..._

T H K t l F ' ,J l R ~ [ L f \ ~ J ~· I Page 79 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu MBNA CORPORATION AND SLBSIDIARIES MBNA CORPORATION AND SUBSIDIARIES

Selected Financial Data Selected Financial Data (dollars in thousands, except per share amounts) (dollars in thousands) For the Three Months For the Nine Months For the Three Months For the Nine Months Ended Se ptember 30, Ended September 30, Ended September 30, Ended September 30, 1992 1991 1992 1991 1992 1991 1992 1991 (unaudited) (unaudited)

Income Stateme nt Data For The Peri od : Balan ce Sh eet Data At Period End: Net interest income $ 88,671 $ 65,5 10 $ 253,110 $ 176,179 Investment securities and Net interest margin (a) . 7.56% 5.49% 6.84% 5.22% money market instruments $1,524,566 $2,193,902 Provision for possible credit losses . 22,809 22,708 73,411 66,486 Credit card loans held for securitization . 635,000 500,000 Other operating income 151,330 140,914 421,523 385,443 Other operating expense . 143,663 120,211 410,782 331,218 Credit ca rd loans 2,166,082 1,684,059 (Ope rating and business development expense) Other consumer loans . 630,250 558,251 Net income 46,691 40,326 120,929 104,362 Total loans 2,796,332 2, 242,310 Reserve for possi bl e credit losses (97 ,580) (97,580) Net loans 2,698,752 2,144,730 Per Sh are Da ta For The Period : Total assets Earnings (b) $ 0.93 $ 0.81 $ 2.42 $ 2. 10 5,870,693 5,675,341 Total deposits 4,614,290 Dividends 0.44 0.40 1.32 1.20 4,776,678 Stockho lders' equity . 636,720 Book va lue 12.86 11.48 568,509

Average Balan ce Sh eet Dat a: Rati os: Investment securities and Return on average assets 3.35% 2.94% 2.80% 2.68% money market instruments $1 ,393,274 $1,343,890 Return on end of period stockholder s' equity 29 .17 28.14 25.37 24.54 $1,6 18,901 $1,186,398 Credit card loans held for securitization . 791,033 593,478 Average receivables lo average deposits 70.73 75.65 67.75 75.57 798,048 580,451 Stockholder s' equity to total assets . 1085 10.02 Credit card loans 1,881 ,5 22 2,284,461 1,9 45,800 2,247,083 Other consumer loans . Loan Portfolio: 615,909 546,751 601,491 518,964 Delinquency (c) 3.97 4.21 Total loans 2,497,431 2,831,212 2,547,291 2,766,047 Net credit losses 2.77 2.65 2.93 2.65 Reserve for possi bl e credit losses ...... (97,580) (92,822) (97,580) (93,456) Managed Loans (d): Net loans 2,399,851 2,738,390 2,449,711 2,672,591 Delinquency . 4.11 4.13 Net credit losses 3.30 3.16 3.34 3.04 Total assets 5,543,534 5,448,172 5,778,837 5,201,243 Ne t interest margin (a) . 7.48 6.64 7.01 6.38 Total deposits 4,649,226 4,526,934 4,938,015 4,428,319 Stockholders' equity . 608,852 549,962 595,368 507,217

Managed loan Data (d): At Period End: Credit card loans held for securitization . $ 635,000 $ 500,000 Loan portfolio . 2,796,332 2,242,3 10 Securitized loans 5,781,222 5,457,641 Total managed loans $9,212,554 $8,199,951

Average: Credit card loans held for securiti zation. $ 79 1,033 $ 593,478 $ 798,048 $ 580,451 Loan portfolio . 2,497,431 2,831,212 2,547,29 1 2,766,047 Securitized loans 5,701,685 4,595,404 5,457,541 4,290,195 Total managed loans $8,990,149 $8,020,094 $ 8,802,880 $7 ,636,693

For the Period: Sales and cash advance volume $3,687,070 $3,375,897 $10,36 1,290 $9 ,293,883 (a) Ne t interest margin is presented on a full y taxable equi valent basis. (b) Earnings per share data for the three and nine months ended September 30, 1992 and 1991 is computed using we ighted average shares outstanding (including common stock equivalents). (c) Loan ponfoho delinquencies do not include credit card loans held for securitizauon or secunuzed loans. (d) Managed loans include the Corporal!on's on-balance sheet loan ponfoho, credit card loans held for secunuzal!on, and secunuzed loans.

f I K IJ C l R E I A , "" T ('- M I K JF YC'LRSE,f A' l LI ' T U \t E R 3 Page 80 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

SLuJ "" b G Frr1 c_, T HE R 1GH1 Cusror-.1ERS ...... A D KHPI (.THEM.

school students every week through MBNA on Campus after graduating, they use them needs. Undergraduates see our MBNA's Help One Student to MBNA's marketing focus is on proudly. Like members of credit card not only as a valuable Succeed (HOSTS) program. MBNA getting the right Customers and endorsing professional organiza- financial resource, but also as an people also devote thousands of keeping them. In 1983, we tions, these alumni cardholders opportunity to establish a credit hours to many volunteer programs, pioneered the concept of affinity earn above-average incomes and history. And since royalties including Literacy Volunteers of I marketing-selling to groups of pay their bills promptly. generated by card usage often America, Big Brothers/Big Sisters of people with a strong common MB A currently provides help fund student scholarships, Delaware and the University of J interest. Since then, we have customized credit card programs alumni can support their alma Delaware chapter of Best Buddies. sought new ways to apply this to students, alumni, faculty, or mater al no additi onal cost while Our active support of the strategy to diverse audiences. staff of more than 160 schools. For enjoying the card's benefits. Benedictine School program has Today, educational institutions example, Georgetown, Penn Stale, Educational institution credit included construction and mainte- represent one of the fastest Columbia, johns Hopkins, Brown cards are customized to feature nance of two Delaware residences growing segments of our affinity University, the University of the school name, and often for developmentally challenged credit card business, with out- Michigan , Boston College, the picture a school mascot or a well- adults. Some of the program's standing balances more than University of Texas-Austin, and known cam pus landmark. The graduates also work at MBNA. doubling in the past two years. the University of Califomia- Penn State card, for example, MBNA's commitment to educa- Students and alumni are Berkeley have endorsed MB A. features an emblem of the Nittany tion remains clear and focused. In- intensely loyal toward their MBNA works with school Lion, while the Columbia card Emphasis on Education Ensuring that no child shall Jail house courses offer a wide range of schools. Not onl y do they carry officials to tailor a program that displays Butler Library. The most important determinant We're involved al all levels of technical, developmental and their schools' MBNA credit cards best meets student and alumni of success at any company is the Delaware's educational system. management topics. We encourage quality and attitude of its people. This association began in 1987, continuing education by serving as Deficiencies in the American when MBNA managers presented the University of Delaware's first education system are reducing the area high schools with an idea: to corporate branch campus. In fact, number of qualified workers in the form contracts with selected the "MBNA Corporate Campus" United States. At MBNA , we take students who were not perfotming program , developed jointly by the this very seriously and are active in at their potential. The contract company and the University, was the educational field both locally guaranteed each student a full- selected as a recipient of the and nationally. From participation time position at MB A-but only if National University Continuing in community programs to in- he or she graduated from high Education Association Awa rd for Best house instruction for our people, school. More than 100 students Practices in Partnerships. MBNA views education as have taken part in this program, In addition, the U.S. Department essential LO career development as known today as the Academic of labor recognized our commit- well as personal growth. Career Endeavor (ACE) project. ment to education in Ap1il 1992, A commitment to education from In addition, more than 200 when it cited MB A as one of the beginning MBNA people tutor elementary ten outstanding organizations One of the main reasons we in the nation with "excellent chose Newark, Delaware for our corporate education programs for headquarters was its proximity their people." Other companies to the University of Delaware and named include Ford, Motorola, the school's top-quality educators IBM and Sears. and students. MBNA maintains In the future, MBNA wi ll con- close ties with the University, tinue to focus on improving the drawing on its resources and quality of education, both in the providing career opportunities community and for the people of for its graduates. the company. "MBNA and Education"- Custom-designed credit cards exemplify MBNA's commitment to edt1cators, alumni, and students.

y (l T I! I V!JLR5ELF \ <; \ ( l <; T L' ~I [ 4 l H " (l ' r I Page 81 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

MBNA CORPORATION AND SUBSIDIARIES MBNA CORPORATION AND SuBSIDlAR!fS

Condensed Consolidated Statements of Financial Condition Condensed Consolidated Statements of Changes in Stockholders' Equity (dollars in thousa nds) Se pLember 30, Se ptember 30, (do ll ars in thou sands) 1992 1991 For the Three Months For Lh e Nine Months Ended Se plember 30, Ended SepLember 30, Assets: (unaudited) 1992 199 1 1992 1991 Cash and due from banks . $ 94,84 1 $ 149,978 (unaudiLed) Interest earning time deposits in other banks . 42,085 320,619 Federal funds sold and securities purchased under resale agreements 220,000 770,000 Balance, beginning of period $613,165 $548,127 $592,230 $214,098 Investment securities 1,262,481 1,103,283 Organization of MB NA Corporation a nd Credit card loans he ld for securitization 635,000 500,000 issuance of common stock . (3 15) 309,278 Loans 2,796,332 2,242,310 Exercise of stock options . 4,808 174 24,319 174 Reserve for possible credit losses (97,580) (97,580) Acquisition and retirement of common stock (6, 141 ) (35,382) Net loans 2,698,752 2,144,730 Net income . 46,691 40,326 120,929 104,362 (59,403) Other assets . 917,534 686,731 Dividends. (2 1,803) (19,803) (65,376) Total assets $5,870,693 $5,675,341 Balance, end of pe riod $636,720 $568,509 $636,720 $568,509 Liabilities and Stockholders' Equity: Deposits . $4,614,290 $4,776,678 Borrowed funds . 421,159 175,647 Other liabilities 198,5 24 154,507 Reserve for Possible Credit Losses Total liabilities ...... 5,233,973 5,106,832 (dollars in thousands) Stockholders' equity. 636,720 568,509 For the Three Months For Lhe Nine Months 41 Total liabilities and stockholders' equity $5,870,693 $5,675,3 Ended September 30, Ended September 30, 1992 199 1 1992 1991 (unaudited) Reserve balance, beginning of period $ 97,580 $ 97,580 $ 97,580 $ 97,580 Provision charged to op erating expense 22,809 22,708 73,411 66,486 Consolidated Statements of Income Condensed Credit losses ( I ) (26,739) (26,750) (84,273) (77 ,55 7) (doll ars in thousands, excepl per share amounts) Recoveries 3,930 4,042 10,862 11 ,071 For the Three Months For the Ni ne Months Ended September 30, Ended September 30, Net cre dit losses (2 2,809) (22,708) (73,411 ) (66,486) 1992 1991 1992 1991 (unaudited) Reserve balance, end o f p eriod . $ 97,580 $ 97,580 $ 97,580 $ 97,580 Interest income . $138,328 $154,472 $446,229 $443,344 49,657 88,962 193,119 267,165 Imerest expense . (1) Credn losses do not mclude losses from secunuzed loans, which are charged to the related trusts under the rcspccuve contracts. Net interest income 88,671 65,5 10 253,110 176,179 The accompanymg note 1s an integral pan of the condensed consolidated financial statements. Provision for possible cr edit losses 22,809 22,708 73,411 66,486 Net inter est income after provision for possible cre dit losses 65,862 42,802 179,699 109,693 Other operating income . 151,330 140,9 14 421,523 385,443 Other operating expense 143,663 120,2 1 l 410,782 331,218 Note to the Condensed Consolidated Financial Statements Income before income taxes. 73,529 63,505 190,440 163,918 Applicable income taxes 26,838 23,179 69,511 59,556 Basis of Presentation for complete financial statements. In the op1mon of management, The accompanymg unaudited condensed consolidated all adjustments (cons1su ng of normal recurnng accruals) Net income . $ 46,691 $ 40,326 $120,929 $104,362 financial statements have been prepared m accordance with considered necessary for a fair presentauon have been mcluded. generally accepted accounung pnnc1ples for intenm financial Operaung results for the three and mne months ended September information. Accordmgly, they do not mclude all of the information 30, 1992 are not necessanly mdicauve of the results that may be Earnings per share . . . $ 0.93 $ 0.81 $ 2.42 $ 2.10 and footnotes reqmred by generally accepted accountmg pnnciples expected for the year ended December 3 l, 1992. Weighted average common sh ares outstanding and common stock equiva lents (000). 50,011 49,921 50,068 49,74 7

The accompanyi ng note is an integral pan of the condensed consolidated financia l state ments.

y 0 1 s [ l l> \1 R 6 ~ I N " ,, I y (' t R 'i E L ~ ' A C l 'i T l' \1 [ R ' L Page 82 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu

l\1BNA CORPOR,\TlON AND SUBS!Dlt\Rl["i

Directors and Officers

MBNA CORPORATION MBNA AMERI CA BANK, N.A. MBNA AMERICA BANK, N.A. Boa rd of Direc tors Management Committee rhe principal subsidiary of MBNA Corporauon, MBNA America is the country's Alfred Lerner third-largest lender through hank credit cards, with over $9 2 b1lhon Chairman and Chief Executive Office r Charles M. Cawley, Chi ef Executive Officer m managed loanc, to more than 8 MBNA Corporation million C ustomcrs nauonw1de. The company 1s the leadmg issuer of afftmty crcdn cards, john R. Cochran 111 , Chief Administrative Officer Charles M. Cawley marketed primarily through the endorsement of membership association" MBNA America's Ronald W. President Davies, Chi ef Information Office r finanual sen ices arc endorsed by owr 1,800 membership organizations and almost 1,000 MBNA Corporation Bruce L. Hammonds, Chief Operating Office r finanual mstituuons Chairman and Chief Executive Officer MBNA Amelica Bank, N.A. M. Scot Kaufman , Chi ef Finan cial Officer Subsidiaries of the Bank James H. Berick, Esq. Chairrnan Gregg Bacchieri MBNA MARKETING SYSTEMS, INC. Belich, Pearlman , & Mills Co., LP.A. Patrick M. Blewett MB 'A has c::.tabhshcd state-of-thc:-art telemarketmg fac..hues to support account ac4u1s1 Stuart L. Markowitz, M.D . tion and maintams sites in Internist Kenneth F. Boehl Dela\\are, Maryland, Georgia, and Texas. In add1uon to credit cards, Market mg Systems cross-sells individual loan, deposit, Assistant Clinical Professor Terrance R. Fl ynn and :nsurance products. Case Western Reserve University, Coll ege of Medicin e john j. Hewes MBNA PAYMENT SYSTEMS, Michael Rosenthal , Ph.D. INC. Professor john W. Scheflen Through its Payment Systems corporauon, MBJ\IA provides credn card processing, pm ate Columbia University label cards and other payment services to Customers, mcluding medical and Richard K. Struthers professional Joseph A. Sellinger, S.j providers, membership orgarnzattons and financial institutions. President Lance L. Weaver SSBA AMERICA, Loyola College in Maryland Charles F. Wheatley INC. SSBA America, lnc. is an mformauon processing compan1 headquartered m Dallas, Texas Vernon H. C. Wright sen·mg fmanc1al mstituuons and merchant plans nattonw1de The company also provides prinung, data processmg, and maihng services to businesses in a number of 111dustries.

Independent Auditors Ernst&: Young

Corporate Registrar and Transfer Agent Security I rust Company, A.

Principal Financial Contact

for further mfo1mation about MBNA Corporation and Its subsidiaries, please contact Da\ 1d W Spartin Senior Vice President-Investor Relations MBNA Corporation 400 C.hnstiana Road Newark, Delaware I 9713 "Providing ad vanced financial p rocessing, (800) 362-62 55 information, a nd de li very systems that are (302) 456-8588 accurate, re li able, and effi cie nt is instrumental to our su ccess at MBNA." Rona ld W. Davies

Attention to detail . . drives everything we do.

8 Page 83 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu ATTENTION TO DETAIL D1 nc-; nc1 vtlllng we do

Wether you're engineering a fine car or •became the first credit card compan) to be tmded on designing supenor financial products, dedication the New York Stock Exchange to pcrfectmg e\'en the smallest detail 1s what sets You'll fmd proot of our attention to detail in the you apart from your competition. customized design of each of our credn cards. In the This objecti\'e has ser\'ed as MB A America's Oexibilit; of our GoldCertificate CD account. And m cornerstone since the company was founded ten other c.hverse products such as GoklRcser\'e: a re\'oh years ago. In .JUSl one decade, MB A ing lme of credn accessed b) check; the GoldSa\'ers Money Market Account; and GoldOpllon, •grev.r to become the world's leading issuer of the a fi. ·ed payment lme of credit that enables Gold MasterCard and the nation's th1rd-largest you to select a repayment tem1 that best issuer of bank credit cards owrall suiLs your needs. •successful!) de\'eloped a deposit serYices business ~1ost importantly, you'll find it in MB A's dedical!on with $4.6 billion in total deposits to dehvcnng supcnor Customer sen ice.

1 uo1JC er 1 <1te C1oldRe'>t' C ,,)J'-.J\~ s ,1rd Goldllpl .m ,u e'"\1ce.., s 'f 1' A \1 r1c B 'lk A MastnLard is .1 snnce n. r of l\tastrrCml lnlL n,H1onal, Inc us~d pu1 ,u.1nt to license ([' 1992 \HlNA \mrn~a Bank. N ,\ Page 84 of 86 This document is from the collections at the Dole Archives, University of Kansas http://dolearchives.ku.edu AtBN" CORPORATION"

SUCCESS IS GETTING THE RIGHT CUSTOMERS AND KEEPING THEM.

l3EG1N ' l 'GOUR ECO:-\D DECADE

1991 ANNUAL REPORT

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AtBN" C 0 R P 0 RAT I 0 N"'

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