Document:

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                                        Executed in 6 Parts
                                          Counterpart No. (   )

                            NATIONAL EQUITY TRUST

                                 B-2-B TRUST

                          REFERENCE TRUST AGREEMENT

          This Reference Trust Agreement dated      , 2000 among Prudential
Securities Incorporated, as Depositor and The Chase Manhattan Bank, as Trustee,
sets forth certain provisions in full and incorporates other provisions by
reference to the document entitled "National Equity Trust Low Five Portfolio
Series, Trust Indenture and Agreement" (the "Basic Agreement") dated April 25,
1995. Such provisions as are set forth in full herein and such provisions as are
incorporated by reference constitute a single instrument (the "Indenture").

                               WITNESSETH THAT:

          In consideration of the premises and of the mutual agreements herein
contained, the Depositor and the Trustee agree as follows:

                                   Part I.

                    STANDARD TERMS AND CONDITIONS OF TRUST

          Subject to the provisions of Part II hereof, all the provisions
contained in the Basic Agreement are herein incorporated by reference in their
entirety and shall be deemed to be a part of this instrument as fully and to the
same extent as though said provisions had been set forth in full in this
instrument except that the Basic Agreement is hereby amended in the following
manner:

    A.   Article I, entitled "Definitions", paragraph 22, shall be amended as
         follows:

               "Trustee shall mean the Chase Manhattan Bank,
                or any successor trustee appointed as
                hereinafter provided."

    B.   Article II, entitled "Deposit of Securities; Acceptance of Trust",
         shall be amended as follows:

                The second sentence of Section 2.03 Issue of Units shall be
                amended by deleting the words "on any day on which the Depositor
                is the only Unit Holder".

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                                     -2-

    C.    Article III, entitled "Administration of Trust", shall be amended as
          follows:

            (i)   Section 3.01 Initial Costs shall be amended to substitute the
                  following language:

                  Section 3.01. Initial Cost The costs of organizing the Trust
                  and sale of the Trust Units shall, to the extent of the
                  expenses reimbursable to the Depositor provided below, be
                  borne by the Unit Holders, provided, however, that, to the
                  extent all of such costs are not borne by Unit Holders, the
                  amount of such costs not borne by Unit Holders shall be borne
                  by the Depositor and, provided further, however, that the
                  liability on the part of the Depositor under this section
                  shall not include any fees or other expenses incurred in
                  connection with the administration of the Trust subsequent to
                  the deposit referred to in Section 2.01. Upon notification
                  from the Depositor that the primary offering period is
                  concluded, the Trustee shall withdraw from the Account or
                  Accounts specified in the Prospectus or, if no Account is
                  therein specified, from the Principal Account, and pay to the
                  Depositor the Depositor's reimbursable expenses of organizing
                  the Trust and sale of the Trust Units in an amount certified
                  to the Trustee by the Depositor. If the balance of the
                  Principal Account is insufficient to make such withdrawal, the
                  Trustee shall, as directed by the Depositor, sell Securities
                  identified by the Depositor, or distribute to the Depositor
                  Securities having a value, as determined under Section 4.01 as
                  of the date of distribution, sufficient for such
                  reimbursement. The reimbursement provided for in this section
                  shall be for the account of the Unitholders of record at the
                  conclusion of the primary offering period and shall not be
                  reflected in the computation of the Unit Value prior thereto.
                  As used herein, the Depositor's

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                                     -3-

                  reimbursable expenses of organizing the Trust and sale of the
                  Trust Units shall include the cost of the initial preparation
                  and typesetting of the registration statement, prospectuses
                  (including preliminary prospectuses), the indenture, and other
                  documents relating to the Trust, SEC and state blue sky
                  registration fees, the cost of the initial valuation of the
                  portfolio and audit of the Trust, the initial fees and
                  expenses of the Trustee, and legal and other out-of-pocket
                  expenses related thereto, but not including the expenses
                  incurred in the printing of preliminary prospectuses and
                  prospectuses, expenses incurred in the preparation and
                  printing of brochures and other advertising materials and any
                  other selling expenses. Any cash which the Depositor has
                  identified as to be used for reimbursement of expenses
                  pursuant to this Section shall be reserved by the Trustee for
                  such purpose and shall not be subject to distribution or,
                  unless the Depositor otherwise directs, used for payment of
                  redemptions in excess of the per-Unit amount allocable to
                  Units tendered for redemption. As directed by the Depositor,
                  the Trustee will advance funds to the Trust in an amount
                  necessary to reimburse the Depositor pursuant to this Section
                  and shall recover such advance from the sale or sales of
                  Securities at such time as the Depositor shall direct, but in
                  no event later than the termination of the Trust. Repayment of
                  any such advance shall be secured by a lien on the assets of
                  the Trust prior to the interest of the Unit Holders as
                  provided in Section 6.04.

           (ii)   The third paragraph of Section 3.05 Distribution shall be
                  amended to add the following sentence at the end thereof:

                 "The Trustee shall make a special distribution of the cash
                  balance in the Income and Principal accounts available for
                  such distribution to Unit Holders of record on such dates as
                  the Depositor shall direct, provided however, that no such
                  distribution shall be made if the assets of the Trust
                  subsequent to such distribution would not exceed any Deferred
                  Sales Charge payable and other trust expenses."

          (iii)   The second to the last paragraph of Section 3.08 Sale of
                  Securities shall be amended to replace the word "equal" with
                  the following phrase: "be sufficient to pay."

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                                     -4-

      D.    Reference to United States Trust Company of New York in its capacity
            as Trustee is replaced by the Chase Manhattan Bank throughout the
            Basic Agreement.

                                   Part II.

                    SPECIAL TERMS AND CONDITIONS OF TRUST

                  The following special terms and conditions are hereby agreed
            to:

                  A.    The Trust is denominated National Equity
            Trust, B-2-B Trust.

                  B.    The Units of the Trust shall be subject to
            a deferred sales charge.

                  C.    The contracts for the purchase of common stock listed in
            Schedule A hereto are those which, subject to the terms of this
            Indenture, have been or are to be deposited in Trust under this
            Indenture as of the date hereof.

                  D.    The term "Depositor" shall mean Prudential
            Securities Incorporated.

                  E.    The aggregate number of Units referred to
            in Sections 2.03 and 9.01 of the Basic Agreement is
                     as of the date hereof.

                  F.    A Unit of the Trust is hereby declared
            initially equal to 1/     th of the Trust.

                  G.    The term "First Settlement Date" shall mean , 2000.

                  H.    The terms "Computation Day" and "Record be on such dates
            as the Sponsor shall direct.

                  I.    The term "Distribution Date" shall be on such dates as
            the Sponsor shall direct.

                  J.    The term "Termination Date" shall mean
                     , 2001.

                  K. The Trustee's Annual Fee shall be $ (per 1,000 Units) for
            100,000,000 and above units outstanding; $0.80 (per 1,000 Units) for
            50,000,000 - 99,999,999 units outstanding; $0.86 (per 1,000 Units)
            for 49,999,999 and below units outstanding. In calculating the
            Trustee's annual fee, the fee applicable to the number of units
            outstanding shall apply to all units outstanding.

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                                     -5-

                  L.    The Depositor's Portfolio supervisory
            service fee shall be $     per 1,000 Units.

              [Signatures and acknowledgments on separate pages]<PAGE>

                             AMENDED AND RESTATED
                               PROMISSORY NOTE

                                                        Dated: November 15, 1999

The Promissory Note dated July 1, 1999 is hereby amended and restated to read as
follows:

     FOR VALUE RECEIVED, b2bstores.com Inc., a Delaware corporation (the
"Maker"), hereby promises to pay to the order of Enviro-Clean of America, Inc.
(the "Payee"), at 211 Park Avenue, Hicksville, New York 11801, or such other
place as may from time to time be designated by notice thereof from the Payee
hereof to the Maker, the principal sum as shall have been advanced from time to
time from Payee to Maker (as set forth on the schedule to this Note ("Grid")),
together with interest on the unpaid principal sum outstanding at a rate equal
to eight percent per annum. Principal and interest shall be due and payable on
the earlier of (i) January 31, 2000 and (ii) the date the Maker consummates an
offering of its equity securities yielding gross proceeds of at least
$2,000,000.

     Interest shall be payable on any installment of principal and interest not
paid to the Payee on its due date as set forth above at a per annum rate equal
to the lesser of (i) 18%, or (ii) the highest rate permitted by law, from the
date such installment was due and payable to the Payee until the date such
installment is fully paid.

     If any of the following events shall occur:

     (i) the Maker shall default in the payment of principal of, or interest on,
this Note or any indebtedness for borrowed money in excess of $50,000, or shall
default in the performance or observance of the terms of any instrument pursuant
to which such indebtedness was created or is secured, the effect of which
default is to cause or permit any holder of any such indebtedness to cause the
same to become due prior to its stated maturity;

     (ii) any judgment against the Maker or any attachment, levy or execution
against any of its properties for any amount shall remain unpaid, or shall not
be released, discharged, dismissed, stayed or fully bonded for a period of 10
days or more after its entry, issue or levy, as the case may be; or

     (iii) the Maker shall make an assignment for the benefit of creditors, or a
trustee, receiver or liquidator shall be appointed for the Maker or for any of
its property, or the commencement of any proceedings by the Maker under any
bankruptcy, reorganization, arrangement of debt, insolvency, readjustment of
debt, receivership, liquidation or dissolution law or statute, or the
commencement of any such proceedings without the consent of the Maker and such
proceedings shall continue undischarged for a period of 10 days;
<PAGE>

then, in any such event, the Payee may declare the entire unpaid principal
amount of this Note, and all interest accrued and unpaid hereon, to be forthwith
due and payable, whereupon the same shall become and be forthwith due and
payable, without presentment, demand, protest or notice of any kind, all of
which are hereby expressly waived by the Maker.

     No failure on the part of the Payee to exercise, and no delay in
exercising, any right hereunder shall operate as a waiver thereof; nor shall any
single or partial exercise by Payee of any right hereunder preclude any other or
further exercise thereof or the exercise of any other right. The remedies herein
provided are cumulative and not exclusive of any remedies provided by law.

     In the event this Note is turned over to an attorney for collection or
Payee otherwise seeks advice of an attorney in connection with exercise or
enforcement of its rights hereunder, the Maker agrees to pay all costs of
collection, including reasonable attorneys' fees and expenses, which amounts
may, at the Payee's option, be added to the principal hereof.

     No amendment, modification or waiver of any provision of this Note, nor
consent to any departure by the Payee therefrom, shall be effective unless the
same shall be in writing and signed by the Payee, and then such waiver or
consent shell be effective only in the specific instance and for the specific
purpose for which it is given.

     This Note has been executed and delivered in the State of New York and the
construction, validity and performance hereof shall be governed by the internal
laws of the State of New York without regard to the principles of conflict of
laws. Any action, suit or proceeding in respect of or arising out of this Note
may be brought by Payee in federal or state court located in Nassau County. In
any such action, suit or proceeding, Maker waives trial by jury, and Maker also
waives (i) the right to interpose any setoff or counterclaim of any nature or
description; (ii) any objection based on forum non-conveniens or venue; and
(iii) any claim for consequential, punitive, or special damages.

     This Note shall be binding upon the Maker and its successors and assigns,
and the terms hereof shall inure to the benefit of the Payee and its successors
and assigns, including subsequent holders hereof.

     All notices hereunder from the Payee to the Maker shall be in writing and
mailed to the Maker at the above address by registered or certified mail, return
receipt requested. All such notice shall be deemed given when mailed.

                                      2
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     Maker hereby authorizes Payee to complete and revise the Grid and to
reflect thereon the making of any loan made to Maker hereunder. Payee shall send
a copy of the Grid to Maker promptly after any revision thereto. The Grid, as
completed and/or revised by Payee, shall be final and binding on Maker in the
absence of fraud or mathematical error.

     IN WITNESS WHEREOF, the undersigned has duly executed this instrument on
the date set forth above.

                                                b2bstores.com Inc.

                                                By: /s/ Richard Kandel, Chairman
                                                   -----------------------------
                                                        Richard Kandel

                                       3
<PAGE>

                           SCHEDULE TO PROMISSORY NOTE

Maker:  b2bstores.com Inc.                    Date of Amended and Restated Note:
                                                               November 15, 1999

<TABLE>
<CAPTION>
                                                                  NAME OF PERSON
     DATE                       AMOUNT OF ADVANCE                MAKING NOTATION
     ----                       -----------------                ---------------
<S>                             <C>                              <C>
June 10, 1999                      25,000                        Richard Kandel
July 15, 1999                       2,586                        Richard Kandel
July 19, 1999                      25,000                        Richard Kandel
July 26, 1999                      27,250                        Richard Kandel
July 30, 1999                     100,000                        Richard Kandel
November 5, 1999                   50,000                        Mark Voorhis
November 10, 1999                 100,000                        Mark Voorhis
November 24, 1999                 200,000                        Mark Voorhis
December 10, 1999                 170,000                        Mark Voorhis
December 23, 1999                 125,000                        Mark Voorhis
January 6, 2000                   150,000                        Mark Voorhis
</TABLE>

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