Document:

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}{                      {}{}{}                   {}{}{}                       }{
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}{     {{{}{}{}}}                                              {{{}{}{}}}     }{
}{     {{NUMBER}}                    T   &   G2                {{SHARES}}     }{
}{     {{      }}         INCORPORATED UNDER THE LAWS          {{      }}     }{
}{     {{{}{}{}}}            OF THE STATE OF NEVADA            {{{}{}{}}}     }{
}{CLASS A COMMON STOCK                                                        }{
}{                                                          SEE REVERSE FOR   }{
}{                                                        CERTAIN DEFINITIONS }{
}{                                                         CUSIP 87217M 10 7  }{
}{                                                                            }{
}{    This Certifies That                                                     }{
}{                                                                            }{
}{                                                                            }{
}{                                                                            }{
}{                                                                            }{
}{                                                                            }{
}{    is the owner of                                                         }{
}{                                                                            }{
}{                                                                            }{
}{                                                                            }{
}{             FULLY PAID AND NONASSESSABLE SHARES OF THE CLASS A             }{
}{                      COMMON STOCK, $.001 PAR VALUE, OF                     }{
}{                                   T & G2                                   }{
}{                                                                            }{
}{   (the "Corporation") transferable only 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 unless  countersigned and  registered by the Transfer Agent   }{
}{   and Registrar.                                                           }{
}{                                                                            }{
}{        Witness  the facsimile  seal of the Corporation and the facsimile   }{
}{   signatures of its duly authorized officers.                              }{
}{                                                                            }{
}{   Dated:                                                                   }{
}{                                   T & G2                                   }{
}{                                                                            }{
}{                                 CORPORATE                                  }{
}{                                                                            }{
}{                                    SEAL                                    }{
}{      /s/ James Farinella                            /s/ James Farinella    }{
}{                                   NEVADA                                   }{
}{                  Secretary          *                           President  }{
}{                               {}{}      {}{}                               }{
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}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}

<PAGE>
     The  Corporation  is authorized to issue more than one class of stock.  The
Corporation  will furnish  without charge to each  stockholder who so requests a
statement of the powers, designations,  preferences and relative, participating,
optional  or  other  special  rights  of each  class  of  stock  thereof  of the
Corporation,  and  the  qualifications,  limitations  or  restrictions  of  such
preferences  and/or rights.  Such request may be made to the  Corporation or the
transfer agent.

     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)
TENENT - as tenants by the entireties        under Uniform Gifts to Minors
JT TEN - as joint tenants with right         Act of .........................
         of survivorship and not as                        (State)
         tenants in common

       Additional abbreviations may 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 ZIP CODE OF ASSIGNEE)

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                                                                          Shares
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of the  common  stock  represented  by the  within  Certificate,  and do  hereby
irrevocably constitute and appoint
                                                                        Attorney
------------------------------------------------------------------------
to  transfer  the  said  stock  on  the  books  of  the  within named
Company 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.

Signature(s) Guaranteed:

-------------------------------------------------------
THE  SIGNATURE(S)  MUST  BE  GUARANTEED BY  AN ELIGIBLE
GUARANTOR  INSTITUTION  (BANKS,  STOCKBROKERS,  SAVINGS
AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP
IN AN  APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM),
PURSUANT TO S.E.C. RULE 17Ad-15.

KEEP THIS  CERTIFICATE  IN A SAFE PLACE.  IF IT IS LOST,  STOLEN,  MUTILATED  OR
DESTROYED,  THE  CORPORATION  WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO
THE ISSUANCE OF A REPLACEMENT CERTIFICATE.Exhibit 4.b

                                                            Executed in 6 Parts
                                                           Counterpart No. (   )

                              NATIONAL EQUITY TRUST

                           OTC GROWTH TRUST SERIES 21

                            REFERENCE TRUST AGREEMENT

      This Reference Trust Agreement dated May 22, 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:

<PAGE>

                                      -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:

<PAGE>

                                      -3-

      A. The Trust is denominated National Equity Trust, OTC Growth Trust Series
21.

      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 May 29, 2002.

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

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

      K. The term "Termination Date" shall mean July 1, 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]

<PAGE>

                                      -4-

The Schedule of Portfolio Securities in Part A of the prospectus included in
this Registration Statement for National Equity Trust, OTC Growth Trust Series
21 is hereby incorporated by reference herein as Schedule A hereto.

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