Document:

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                                                      Executed in 6 Parts
                                                      Counterpart No. (   )

                              NATIONAL EQUITY TRUST

                           TOP TEN PORTFOLIO SERIES 33

                            REFERENCE TRUST AGREEMENT

     This Reference Trust Agreement dated January 16, 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, Top Ten Portfolio Series
33.

     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 January 22, 2002.

     I. The terms "Computation Day" and "Record Date" mean on the tenth day of
April 2002, July 2002, October 2002, and January 2003.

     J. The term "Distribution Date" shall mean on the twenty-fifth day of April
2002, July 2002, October 2002, and January 2003.

     K. The term "Termination Date" shall mean February 25, 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, Top Ten Portfolio Series
33 is hereby incorporated by reference herein as Schedule A hereto.<PAGE>

                                                                    Exhibit 10.5

                         NON-NEGOTIABLE PROMISSORY NOTE

$100,000                                                       November 16, 2001

         For value received, the undersigned, The MacReport.Net, ("MacReport"),
a Delaware corporation, (the "Maker") hereby promises to pay to the order of
Sherman Winski (the "Payee") the principal sum of One Hundred Thousand Dollars
($100,000) which shall be 60 days from the date hereof (the "Final Maturity
Date"), together with accrued interest thereon at the rate set forth in Section
2 below.

                  1. Principal and interest on this Note shall be payable in
lawful money of the United States of America in immediately available funds, at
the principal office of the Payee (or such other place as the Payee shall
specify in writing to the Maker in accordance with the notice provisions of this
Note).

                  2. This Note shall bear interest on the unpaid principal
amount of this Note commencing on the date of this Note at a rate of 13% per
annum. Accrued interest on the outstanding principal amount of this Note shall
be payable on the Final Maturity Date.

                  3. This Note may be prepaid, at the option of the Maker, in
whole or in part at any time upon five (5) days advance notice to the Payee. Any
prepayment of this Note shall be without premium, but shall include the payment
of accrued interest on the principal amount prepaid to and including the date of
prepayment. Any partial prepayment will not postpone the due date of any
interest or principal payable pursuant to this Note.

                  4. The unpaid principal sum of this Note, together with all
accrued interest thereon and all other amounts that may become due in accordance
with the provisions of this Note, shall, at the option of the Payee, become
immediately due and payable, without presentment, protest, or any demand or
notice of any kind (all of which are hereby waived by the Maker), if any of the
following events of default (each an "Event of Default") shall occur and be
continuing:

                  (a) The Maker shall fail to pay when due any amount payable
         pursuant to this Note;

                  (b) The Maker shall apply for, consent to, or acquiesce in the
         appointment of a trustee, receiver, or other custodian for the Maker or
         a substantial portion of its property or makes a general assignment for
         the benefit of its creditors or, in the absence of an application,
         consent, or acquiescence, a trustee, receiver, or other custodian is
         appointed for the Maker or for a substantial part of its property and
         is not discharged or dismissed within 30 calendar days;

<PAGE>

                  (c) The Maker shall (i) be or become insolvent or bankrupt,
         (ii) admit in writing that it is insolvent or bankrupt, (iii) cease to
         pay its debts as they mature, (iv) make a general assignment for the
         benefit of its creditors, (v) seek, consent to, or acquiesce in the
         appointment of a receiver, trustee, liquidator, fiscal agent, or
         similar fiduciary, regardless how designated, for all or a substantial
         part of its business or property, (vi) be or become a party to a
         bankruptcy, winding up, reorganization, insolvency, arrangement, or
         similar proceeding instituted by or against any of the Maker under the
         laws of any jurisdiction, which proceeding, if involuntary in nature,
         has not been dismissed within 60 calendar days, (vii) take any action
         approving of, consenting to, or acquiescing in, any such proceeding,
         (viii) be a party to the levy of any distress, execution, or attachment
         upon the assets or property of the Maker that substantially interferes
         with the Maker's performance under this Note, or (ix) take any action
         (formal or informal) leading to its dissolution, liquidation, or
         termination;

                  5. If an Event of Default occurs, Payee, without further
demand of the Maker, may accelerate the maturity of this Note, declare the
entire unpaid principal amount of this Note and any accrued interest on it to be
immediately due and payable, and otherwise proceed to protect its rights in the
manner provided by applicable law. In addition, if an Event of Default shall
occur, the Maker shall pay to Payee, on demand, all costs and expenses incurred
by Payee in connection with the collection and enforcement of this Note or any
judgment on it, including all reasonable fees, costs, and expenses of experts,
attorneys, mediators, witnesses, collection agents, and supersedes bonds,
whether incurred before or after demand for payment of commencement of a legal
proceeding, and whether incurred before or after commencement of a legal
proceeding, and whether incurred pursuant to trial, appellate, mediation,
arbitration, bankruptcy, administrative, or judgment execution proceedings,
unless the Maker prevails in the defense of any legal proceeding instituted by
Payee to collect or enforce this Note, in which case Payee shall reimburse the
Maker for all the foregoing costs and expenses incurred by them in connection
with the proceeding.

                  6. The failure of Payee to insist on strict performance of the
terms and conditions of this Note shall not be construed or deemed to be a
waiver of any such term or condition.

                  7. The Maker represents and warrants to the Payee that this
Note is the legal, valid, and binding obligation of each of the Maker,
enforceable in accordance with its terms.

                  8. This Note shall be binding on the Maker and the Payee.

                  9. The Maker and every other person liable at any time for
payment of this Note (a) waive presentment, protest, notice of protest, and
notice of dishonor, (b) consent to all extensions and renewals of this Note (as
a whole or in part) and all delays and indulgences in time of payment or other
performance under this Note that Payee grants at any time and from time to time,
without limitation and without notice to or further consent of the Maker, (c)
authorize Payee to release any security for this Note without releasing or
discharging their obligation to repay this Note, and (d) knowingly, voluntarily,
and irrevocably waive any right to a jury trial in any lawsuit or counterclaim
relating to this Note, including any lawsuit by Payee to enforce and collect
this Note.

                                       2
<PAGE>

                  10. Upon its receipt from Payee of evidence reasonably
satisfactory to it of the loss, theft, mutilation, or destruction of this Note,
each of the Maker shall execute, issue and deliver to Payee, without charge and
in substitution or exchange for the Note that has been lost, stolen, mutilated
or destroyed, a new Note of like tenor, dated the same date that this Note was
originally issued and bearing interest from the date through interest has been
paid on the lost, stolen, mutilated or destroyed Note. The Maker may condition
their issuance of a replacement Note pursuant to this Section 10 on, (a) in the
case of mutilation, the surrender to it and cancellation of the mutilated note,
and (b) in the case of loss, theft or destruction, its receipt of indemnity
reasonably satisfactory to Maker.

                  11. Each notice, demand, consent, approval, or other
communication required or permitted under this Note shall be in writing and
shall be delivered personally by hand or by recognized overnight courier,
telecopied, or mailed (by registered or certified mail, postage prepaid return
receipt requested) as follows:

                  (a)     If to the Payee:

                          Sherman Winski
                          [                  ]
                          [                  ]
                          [                  ]

                  (b)     If to the Maker, one copy to each of the following:

                          The MacReport.Net, Inc.
                          200 Broadhollow Road, Ste. 207
                          Melville, NY 11747
                          Telecopier:  (631) 393-5106
                          Attn:  Vito W. Lucchetti, Jr., C.E.O

                          with a copy to:
                          Baer Marks & Upham LLP
                          805 Third Avenue
                          New York, New York  10022
                          Telecopier:  (212) 812-3303
                          Attn:  Stephen T. Furnari, Esq.

Each such notice, demand, consent, approval, or other communication shall be
effective (i) if given by telecopier, when such telecopy is transmitted to the
telecopier number specified in this Section (with confirmation of transmission)
or (ii) if given by any other means, when delivered at the address specified in
this Section. Any party by notice given in accordance with this Section to the
other party may designate another address (or telecopier number) or person for
receipt of notices under this Note.

                  12. The provisions of this Note may not be amended, modified,
waived, changed, or terminated orally but only by an agreement in writing signed
by each of the Maker and the Payee.

                                      3
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                  13. This Note shall be governed by, and construed in
accordance with, the laws of the State of New York, without regard to conflict
of principles applied in the State of New York.

                                            THE MACREPORT.NET

                                            By: /s/ Vito W. Lucchetti, Jr.
                                                --------------------------------
                                                    Vito W. Lucchetti, Jr.
                                                    Chief Executive Officer

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