Document:

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                                                                   Exhibit 4.(b)

                                                           Executed in 6 Parts
                                                           Counterpart No. (   )

                              NATIONAL EQUITY TRUST

                        S&P 500 STRATEGY TRUST SERIES 16

                            REFERENCE TRUST AGREEMENT

         This Reference Trust Agreement dated January 30, 2002 among Prudential
Investment Management Services LLC, as Depositor, Prudential Securities
Incorporated, as Portfolio Supervisor, and The Bank of New York, as Trustee,
sets forth certain provisions in full and incorporates other provisions by
reference to the document entitled "National Equity Trust, Trust Indenture and
Agreement" (the "Basic Agreement") dated February 2, 2000. 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.

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

         (i) Section 1.01-Definitions shall be amended to add the following
definition at the end thereof:

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                                      -2-

         "Portfolio Supervisor" of the Trust shall have the meaning assigned to
it in Part II of the Reference Trust Agreement.

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

         (i) The third paragraph of Section 3.05-Distribution shall be amended
by deleting any reference to Depositor and replacing it with Portfolio
Supervisor.

         (ii) Section 3.14-Deferred Sales Charge shall be amended to add the
following sentences at the end thereof:

         "References to Deferred Sales Charge in this Trust Indenture and
         Agreement shall include any Creation and Development Fee indicated in
         the prospectus for a Trust. The Creation and Development Fee shall be
         payable on each date so designated and in an amount determined as
         specified in the prospectus for a Trust."

         C. Article VIII, entitled "Depositor," shall be amended as follows:

         (i) Section 8.07-Compensation shall be amended by deleting any
reference to Depositor and replacing it with Portfolio Supervisor.

         D. Article IX, entitled "Additional Covenants; Miscellaneous
Provisions," shall be amended as follows:

         (i) The first sentence of Section 9.05 - Written Notice shall be
amended by deleting the language "Prudential Securities Incorporated at One
Seaport Plaza, New York, New York 10292" and replacing it with "Prudential
Investment Management LLC at 100 Mulberry Street, Gateway Center Three, Newark,
New Jersey 07102".

                                    Part II.

                      SPECIAL TERMS AND CONDITIONS OF TRUST

     The following special terms and conditions are hereby agreed to:

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                                      -3-

         A. The Trust is denominated National Equity Trust, S&P 500 Strategy
Trust Series 16.

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

         C. The publicly traded stocks 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 Investment Management
Services LLC.

         E. The term "Portfolio Supervisor" shall mean Prudential Securities
Incorporated.

         F. The aggregate number of Units referred to in Sections 2.03 and 9.01
of the Basic Agreement is 125,000 as of the date hereof.

         G. A Unit of the Trust is hereby declared initially equal to
1/125,000th of the Trust.

         H. The term "First Settlement Date" shall mean February 5, 2002.

         I. The terms "Computation Day" and "Record Date" mean on the tenth day
of May 2002, August 2002, November 2002 and February 2003.

         J. The term "Distribution Date" shall mean on the twenty-fifth day of
May 2002, August 2002, November 2002 and February 2003.

         K. The term "Termination Date" shall mean March 4, 2003.

         L. The Trustee's Annual Fee shall be $.90 (per 1,000 Units) for
49,999,999 and below units outstanding $.84 (per 1,000 Units) on the next
50,000,000 Units, $.78 (per 1,000 Units) on the next 100,000,000 Units, and $.66
(per 1,000 Units) on Units in excess of 200,000,000 Units. In calculating the
Trustee's annual fee, the fee applicable to the number of units outstanding
shall apply to all units outstanding.

         M. The Portfolio Supervisor's portfolio supervisory service fee shall
be $.25 per 1,000 Units.

               [Signatures and acknowledgments on separate pages]

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                                      -4-

The Schedule of Portfolio Securities in Part A of the prospectus included in
this Registration Statement for National Equity Trust, S&P 500 Strategy Trust
Series 16 is hereby incorporated by reference herein as Schedule A hereto.<PAGE>

                                   Exhibit 4.3

Series 2002-1 Supplement, dated as of January 18, 2002, to the Amended and
Restated Pooling and Servicing Agreement, dated as of May 1, 1998, as amended
(incorporated herein by reference to the Form 8-K filed by the registrants on or
about the date hereof).<PAGE>

                                   Exhibit 4.4

Series 2002-1 Prospectus, dated January 7, 2002, and Prospectus Supplement,
dated January 9, 2002 (as filed with the Securities and Exchange Commission on
January 10, 2002 pursuant to Rule 424(b)(2) and incorporated herein by reference
thereto).EXHIBIT 4.01

Number Shares
APF __________

                       ADELPHIA COMMUNICATIONS CORPORATION
              INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE

7.5% SERIES F MANDATORY CONVERTIBLE         CUSIP 006848  60  0
PREFERRED STOCK                             SEE REVERSE FOR CERTAIN DEFINITIONS
(LIQUIDATION PREFERENCE $25 PER SHARE)

         This is to Certify that

         is the owner of

FULLY PAID AND NON-ASSESSABLE SHARES OF THE 7.5% SERIES F MANDATORY CONVERTIBLE
PREFERRED STOCK (LIQUIDATION PREFERENCE $25 PER SHARE) OF THE PAR VALUE OF ONE
CENT PER SHARE OF ADELPHIA COMMUNICATIONS CORPORATION transferable on the books
of the Corporation by the holder hereof, in person or by duly authorized
attorney upon surrender of this Certificate properly endorsed. This Certificate
is not valid until countersigned and registered by the Transfer Agent and
Registrar.

WITNESS, the seal of the Corporation and the signatures of its duly authorized
officers.

DATED:

[SEAL]                   /s/ MICHAEL J. RIGAS               /s/ JOHN J. RIGAS
                             Michael J. Rigas                   John J. Rigas
                             Executive Vice President           President
                             and Secretary

COUNTERSIGNED AND REGISTERED:

AMERICAN STOCK TRANSFER & TRUST COMPANY
         TRANSFER AGENT AND REGISTRAR

By:      AUTHORIZED SIGNATURE

<PAGE>

ADELPHIA COMMUNICATIONS CORPORATION will furnish to any stockholder upon request
to its principal office, and without charge, a full statement of the
designations, preferences, limitations and relative rights of each class
authorized, and of the variations in the relative rights and preferences between
the shares of each preferred or special class in series, so far as the same have
been fixed and determined, and the authority of the board of directors to fix
and determine the relative rights and preferences of subsequent series.

         The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM  - as tenants in common             UNIF GIFT MIN ACT Custodian
                                                             ----------
                                                               (Cust)   (Minor)
TEN ENT  - as tenants by the entireties            under Uniform Gifts to Minors

JT TEN   - as joint tenants with right                       Act
                    of survivorship and not as                     (State)
                    tenants in common

         Additional abbreviations may also be used though not in the above list.
     For value received, _______________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY
OR OTHER IDENTIFYING NUMBER OF ASSIGNEE
-----------------------------------------

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Please print or typewrite name and address including postal zip code of assignee
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                                                                          Shares
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of the capital stock represented by the within Certificate, and do hereby

irrevocably constitute and appoint
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Attorney to transfer the said stock on the books of the within-named Corporation
with full power of substitution in the premises.

Dated,____________________

NOTICE: The signature to this assignment must correspond with the name as
written upon the face of the Certificate, in every particular, without
alteration or enlargement, or any change whatever.

<PAGE>

                          NOTICE OF ELECTION TO CONVERT

         The undersigned hereby irrevocably exercise(s) the right to convert
------ Shares of the 7.5% Series F Mandatory Convertible Preferred Stock ($25
Liquidation Preference Per Share) represented by this certificate into Class A
Common Stock of Adelphia Communications Corporation in accordance with the terms
of the 7.5% Series F Mandatory Convertible Preferred Stock ($25 Liquidation
Preference Per Share) relating thereto.

Date:                                    Signature:
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