Document:

Exhibit 4.(b)

                                                      Executed in 6 Parts
                                                      Counterpart No. (   )

                              NATIONAL EQUITY TRUST

             SHORT-TERM LOW FIVE COVERED WRITE OPTION TRUST SERIES 9

                            REFERENCE TRUST AGREEMENT

     This Reference Trust  Agreement  dated September 24, 2003 among  Prudential
Investment Management Services LLC, as Depositor, Prudential Investments LLC, 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 August 8, 2001.  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.

(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".

<PAGE>

                                      -2-

                                    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, Short-Term Low Five Covered
     Write Option Trust Series 9.

B.   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  subject to the Purchase
     Rights listed in Schedule A hereto.

C.   The term "Depositor" shall mean Prudential  Investment  Management Services
     LLC.

D.   The term "Portfolio Supervisor" shall mean Prudential Investments LLC.

E.   The aggregate  number of Units referred to in Sections 2.03 and 9.01 of the
     Basic Agreement is 4,339,670 as of the date hereof.

F.   A Unit of the Trust is hereby declared  initially equal to 1/4,339,670th of
     the Trust.

G.   The term "First Settlement Date" shall mean September 30, 2003.

H.   The  term  "Distribution  Date"  shall  be as soon as  possible  after  the
     Termination Date to Unit Holders of record on the Termination Date.

I.   The term "Termination Date" shall mean April 6, 2004.

J.   The Trustee's Annual Fee shall be $1.10 (per 1,000 Units).

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

               [Signatures and acknowledgments on separate pages]

<PAGE>

                                      -3-

The Schedule of Portfolio  Securities  in Part A of the  prospectus  included in
this  Registration  Statement  for National  Equity Trust,  Short-Term  Low Five
Covered Write Option Trust Series 9 is hereby  incorporated by reference  herein
as Schedule A hereto.

<PAGE>

                                            PRUDENTIAL INVESTMENT MANAGEMENT
                                            SERVICES LLC,
                                            (Depositor)

                                            By /s/ Richard R. Hoffmann
                                                   Richard R. Hoffmann
                                                   Vice President

                                            PRUDENTIAL INVESTMENTS LLC
                                            (Portfolio Supervisor)

                                            By /s/ Richard R. Hoffmann
                                                   Richard R. Hoffmann
                                                   Vice President

<PAGE>

                                                       THE BANK OF NEW YORK
                                                       Trustee

                                                   By: /s/ Brian Aarons
                                                           Brian Aarons
                                                           Title: Vice President

(SEAL)

ATTEST:

By:      /s/ Dorothy Alencastro
             Dorothy Alencastro
             Title: Assistant Vice President

STATE OF NEW YORK          )
                                            : ss.:
COUNTY OF NEW YORK         )

     I, Emanuel  Lytle,  Jr., a Notary  Public in and for the said County in the
state  aforesaid,  do hereby  certify that Brian  Aarons and Dorothy  Alencastro
personally  known to me to be the same persons whose names are subscribed to the
foregoing  instrument  and  personally  known to me to be a Vice  President  and
Assistant Vice President,  respectively of The Bank of New York, appeared before
me this  day in  person,  and  acknowledged  that  they  signed,  sealed  with a
corporate  seal of The Bank of New York,  and delivered  the said  instrument as
their  free  and  voluntary  act as  such  Vice  President  and  Assistant  Vice
President,  respectively,  and as the free and  voluntary act of The Bank of New
York, for the uses and purposes therein set forth.

     GIVEN, under my hand and notarial seal this 24th day of September, 2003.

                                          /s/      Emanuel Lytle, Jr.
                                                   Emanuel Lytle, Jr.
                                                   Notary Public

(SEAL)Exhibit 10.1

                        Millennium Biotechnologies, Inc.
                     Millennium Biotechnologies Group, Inc.
                        665 Martinsville Road, Suite 219
                             Basking Ridge, NJ 07920

Dr. Louis C. Rose                                                  June 11, 2003
530 East 76th Street
New York, NY 10021

Dr. Rose:

      This letter will  memorialize  the  agreement  (the  "Agreement")  we have
entered  into  pursuant  to which you will be  serving  as the  Chairman  of the
Medical  Advisory  Board to Millennium  Biotechnologies,  Inc.  (the  "Company")
beginning on June 11, 2003 (the  "commencement  date").  We have agreed that the
services  provided  herein  shall  continue for a period of three years from the
commencement date unless further extended by mutual written consent.

1. Duties.  You shall, at the request of the Company,  upon  reasonable  notice,
render the following services:

      (i)   Serve as the Chairman of the Medical Advisory Board of the Company

      (ii)  Assist the  Company  in  Lobbying  both the New York State  Medicaid
            Program  and the New York  State  AIDS Drug  Assistance  Program  to
            include both Resurgex(R) and  ResurgexPlus(TM) as products listed on
            their respective  formularies for  reimbursement in the State of New
            York.

      (iii) Assist in the promotion  and  development  of a  nutritional  sports
            drink, and a nutritional supplement for osteoperosis

      (iv)  Assist in  introducing  both  Resurgex(R)  and  ResurgexPlus(TM)  to
            Article  28  clinics  in New  York  that  will  reimburse  for  both
            products.

2. Compensation.  As compensation for the services which will be rendered by you
on behalf of the Company with regard to the duties  outlined above the Company's
parent , Millennium Biotechnologies Group, Inc. ("Millennium Group") shall issue
to you  1,200,000  shares of common  stock for the first year of the  agreement.
Compensation for year 2 of the agreement will be based on the increase in market
cap of Millennium Group. If the market cap of Millennium Group increases by 100%
in year 2 or reaches  $12  million by the end of year 2 then  600,000  shares of
common stock in Millennium  Group will be issued to you as compensation for year
2. If the market cap of Millennium  Group increases by 100% in year 3 or reaches
$24  million  by the  end of year 3 then  600,000  shares  of  common  stock  in
Millennium  Group will be issued to you as  compensation  for year 3. The shares
issued as compensation in year one will be included in an S-8 registration.  The
shares to be issued in years two and three will bear the  following  restrictive
legend:

THESE  SECURITIES HAVE NOT BEEN REGISTERED  UNDER THE SECURITIES ACT OF 1933, AS
AMENDED  (THE  "SECURITIES  ACT"),  AND  MAY  NOT  BE  OFFERED,  SOLD,  PLEDGED,
HYPOTHECATED,  ASSIGNED OR  TRANSFERRED  EXCEPT (i)  PURSUANT TO A  REGISTRATION
STATEMENT  UNDER THE  SECURITIES  ACT WHICH HAS BECOME  EFFECTIVE AND IS CURRENT
WITH RESPECT TO THESE SECURITIES,  OR (ii) PURSUANT TO A SPECIFIC EXEMPTION FROM
REGISTRATION UNDER THE SECURITIES ACT BUT

                                       3
<PAGE>

ONLY UPON A HOLDER HEREOF FIRST HAVING  OBTAINED THE WRITTEN  OPINION OF COUNSEL
TO THE CORPORATION,  OR OTHER COUNSEL REASONABLY  ACCEPTABLE TO THE CORPORATION,
THAT THE PROPOSED  DISPOSITION IS CONSISTENT  WITH ALL APPLICABLE  PROVISIONS OF
THE SECURITIES ACT AS WELL AS ANY  APPLICABLE  "BLUE SKY" OR SIMILAR  SECURITIES
LAW.

      3. Confidentiality. Except in the course of the performance of your duties
hereunder,  you agree not to  disclose  any trade  secrets,  know-how,  or other
proprietary  information  not in the public  domain  learned as a result of your
services to the Company unless and until such information become generally known
or unless compelled to do so pursuant to subpoena or court order.

      4.  Assignment.  The  Agreement  shall not be  assignable  by either party
hereto for any reason whatsoever  without the prior written consent of the other
party,  which consent may be arbitrarily  withheld by the party whose consent is
required.

      5.  Governing Law;  Submission to  Jurisdiction.  This Agreement  shall be
deemed to be a  contract  made under the laws of the State of New Jersey and for
all purposes shall be construed in accordance  with the laws of said State.  The
Company and Consultant hereby irrevocably and unconditionally  consent to submit
to the  exclusive  jurisdiction  of the courts of the State of New Jersey and of
the  United  States  of  America  located  in the State of New  Jersey,  for any
actions,  suits or proceedings arising out of or relating to this letter and the
transactions  contemplated hereby (and agree not to commence any actions,  suite
or proceeding  relating  thereto except in such courts),  and further agree that
service of process for any a action,  suit or proceeding  brought against either
party  hereto,  in any  such  court.  Each of us  also  hereby  irrevocably  and
unconditionally  waives any objection to the laying of venue of any action, suit
or  proceeding  arising  out of this  letter  or the  transactions  contemplated
hereby, in the courts of the State of New Jersey or the United States of America
located  in  the  State  of New  Jersey,  and  hereby  further  irrevocably  and
unconditionally waive, and agree not to plead a claim in any such court that any
such action, suit or proceeding brought in any such court has been brought in an
inconvenient forum.

      7. Miscellaneous. This letter (a) incorporates the entire understanding of
the  parties  with  respect to the  subject  matter  hereof and  supersedes  all
previous  agreements should they exist with respect thereto,  whether written or
oral, (b) may not be amended, modified or waived except in a writing executed by
each of us and or our  respective  successors  and  assigns.  This letter may be
executed in any number of  counterparts  and by the different  parties hereto in
separate  counterparts,  each of which when so executed and  delivered  shall be
deemed to be an original for all purposes,  but all such  counterparts  together
shall  constitute  but one and the  same  instrument.  Delivery  of an  executed
counterpart of this letter by facsimile  shall be equally  effective as delivery
of an executed original counterpart of this letter.

      Please confirm that the foregoing is in accordance with your understanding
and agreement by signing and returning to us a copy of this letter,  which shall
become our binding agreement upon our receipt.

Very truly yours,

                                       4
<PAGE>

                                          Millennium Biotechnologies, Inc.

                                          By: /s/ Jerry Swon
                                              ----------------------------------
                                              Name:  Jerry Swon
                                              Title: President

                                          Millennium Biotechnologies Group, Inc.

                                          By: /s/ Jerry Swon
                                              ----------------------------------
                                              Name:  Jerry Swon
                                              Title: President and CEO

                                                   AGREED AND ACCEPTED AS OF
                                                   THE DATE FIRST ABOVE WRITTEN:

                                              /s/ Louis C. Rose
                                              ----------------------------------
                                              Dr. Louis C. Rose

                                       5

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