Document:

Exhibit 4.1
                                  -----------

                         SUBSEQUENT TRANSFER INSTRUMENT

         Pursuant to this Subsequent Transfer Instrument, dated November 6, 2002
(the "Instrument"), between IMH Assets Corp. as Company (the "Company"), and
Deutsche Bank National Trust Company as indenture trustee of the IMH Assets
Corp., Collateralized Asset-Backed Bonds, Series 2002-6F, as purchaser (the
"Indenture Trustee"), and pursuant to the Indenture, dated as of October 30,
2002 (the "Indenture"), between Impac CMB Trust Series 2002-6F, as issuer (the
"Issuer") and the Indenture Trustee as indenture trustee, the Company and the
Indenture Trustee agree to the sale by the Company and the purchase by the
Indenture Trustee in trust, on behalf of the Trust, of the Subsequent Mortgage
Loans on the attached Schedule 1 of Mortgage Loans (the "Subsequent Mortgage
Loans").

                           Capitalized terms used but not otherwise defined
herein shall have the meanings set forth in the Indenture.

                           Section 1. Conveyance of Subsequent Mortgage Loans.
                                      ---------------------------------------

                           (a) The Company does hereby sell, transfer, assign,
set over and convey to the Indenture Trustee in trust, on behalf of the Trust,
without recourse, all of its right, title and interest in and to the Subsequent
Mortgage Loans, and including all amounts due on the Subsequent Mortgage Loans
after the related Subsequent Cut-off Date, and all items with respect to the
Subsequent Mortgage Loans to be delivered pursuant to Section 2.05 of the
Indenture; provided, however that the Company reserves and retains all right,
title and interest in and to amounts due on the Subsequent Mortgage Loans on or
prior to the related Subsequent Cut-off Date. The Company, contemporaneously
with the delivery of this Agreement, has delivered or caused to be delivered to
the Indenture Trustee each item set forth in Section 2.05 of the Indenture. The
transfer to the Indenture Trustee by the Company of the Subsequent Mortgage
Loans identified on the Mortgage Loan Schedule shall be absolute and is intended
by the Company, the Master Servicer, the Indenture Trustee and the Bondholders
to constitute and to be treated as a sale by the Company to the Trust Fund.

                           (b) The Company, concurrently with the execution and
delivery hereof, does hereby transfer, assign, set over and otherwise convey to
the Indenture Trustee without recourse for the benefit of the Bondholders all
the right, title and interest of the Company, in, to and under the Subsequent
Mortgage Loan Sale and Contribution Agreement, dated November 6, 2002, between
the Company, as purchaser, and Impac Mortgage Holdings, Inc., as seller (the
"Purchase Agreement").

                           (c) Additional terms of the sale are set forth on
Attachment A hereto.

                                        1

<PAGE>

                           Section 2. Representations and Warranties; Conditions
                                      Precedent.
                                      ------------------------------------------

                           (a) The Company hereby confirms that each of the
conditions precedent and the representations and warranties set forth in Section
2.05 of the Indenture are satisfied as of the date hereof.

                           (b) All terms and conditions of the Indenture are
hereby ratified and confirmed; provided, however, that in the event of any
conflict, the provisions of this Instrument shall control over the conflicting
provisions of the Indenture.

                           Section 3. Recordation of Instrument.
                                      -------------------------

                           To the extent permitted by applicable law, this
Instrument, or a memorandum thereof if permitted under applicable law, is
subject to recordation in all appropriate public offices for real property
records in all of the counties or other comparable jurisdictions in which any or
all of the properties subject to the Mortgages are situated, and in any other
appropriate public recording office or elsewhere, such recordation to be
effected by the Master Servicer at the Bondholders' expense on direction of the
related Bondholders, but only when accompanied by an Opinion of Counsel to the
effect that such recordation materially and beneficially affects the interests
of the Bondholders or is necessary for the administration or servicing of the
Subsequent Mortgage Loans.

                           Section 4. Governing Law.
                                      -------------

                           This Instrument shall be construed in accordance with
the laws of the State of New York and the obligations, rights and remedies of
the parties hereunder shall be determined in accordance with such laws, without
giving effect to principles of conflicts of law.

                           Section 5. Counterparts.
                                      ------------

                           This Instrument may be executed in one or more
counterparts and by the different parties hereto on separate counterparts, each
of which, when so executed, shall be deemed to be an original; such
counterparts, together, shall constitute one and the same instrument.

                           Section 6. Successors and Assigns.
                                      ----------------------

                           This Instrument shall inure to the benefit of and be
binding upon the Company and the Indenture Trustee and their respective
successors and assigns.

                                        2

<PAGE>

IMH ASSETS CORP.

By:      /s/ Richard J. Johnson
         ------------------------
Name:    Richard J. Johnson
Title:   Chief Financial Officer

DEUTSCHE BANK NATIONAL TRUST
COMPANY, not in its individual capacity
but solely as Indenture Trustee for the Trust.

By:      /s/ James Noriega
         ------------------------
Name:    James Noriega
Title:   Associate

                                        3Exhibit 4.b

                                                      Executed in 6 Parts
                                                      Counterpart No. (   )

                              NATIONAL EQUITY TRUST

                           TOP TEN PORTFOLIO SERIES 38

                            REFERENCE TRUST AGREEMENT

      This Reference Trust  Agreement  dated November 20, 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,  Top Ten  Portfolio
Series 38.

      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 November 26, 2002.

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

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

      K. The term "Termination Date" shall mean December 18, 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, Top Ten Portfolio Series
38 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 SECURITIES INCORPORATED
                                            (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 20th day of November, 2002.

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

(SEAL)

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