Document:

EXHIBIT 10.6

                           LOCK-UP/LEAK-OUT AGREEMENT

            THIS LOCK-UP/LEAK-OUT AGREEMENT (the "Agreement") is made and
entered into as of the _____ day of ______________, 2003 between SecureD
Services, Inc., a Delaware corporation ("SSI"), and the individuals and entities
that execute and deliver a Counterpart Signature Page hereof, each an SSI
Stockholder (as defined below) and sometimes collectively referred to herein as
the "Shareholders" and each, a "Shareholder."

            WHEREAS, the SSI Shareholders currently own shares of SSI's common
stock, par value $0.0001 per share (the "Common Stock") or warrants to purchase
Common Stock or preferred stock or debt instruments that may be convertible into
shares of Common Stock; and

            WHEREAS, in order to facilitate an orderly market for the Common
Stock of SSI, the SSI Shareholders have agreed to enter into this Agreement and
to restrict the sale, assignment, transfer, conveyance, hypothecation or
alienation of the Common Stock, all on the terms set forth below.

            NOW, THEREFORE, in consideration of the foregoing premises and the
mutual covenants contained herein, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto agree as follows:

            1. Notwithstanding anything contained in this Agreement, an SSI
Shareholder may transfer his/her/its shares of Common Stock to his/her/its
affiliates, partners in a partnership, subsidiaries and trusts, or spouses and
lineal descendants for estate planning purposes provided that the transferee (or
the legal representative of the transferee) executes an agreement to be bound by
all of the terms and conditions of this Agreement.

            2. Except as otherwise expressly provided herein, and except as each
Shareholder may be otherwise restricted from selling shares of Common Stock,
each Shareholder may only sell Common Stock subject to the following conditions
during the eighteen (18) month period beginning on the date of this Agreement is
executed (the "Lock-Up/Leak-Out Period"):

      2.1   No Shareholder may sell any Common Stock except as covered by this
            Agreement, unless approved in a prior writing by the Board of
            Directors of SSI, pro rata as to all Shareholders, with respect to
            all SSI Shareholders covered hereby.

      2.2   If an SSI Shareholder has an approved brokerage account (meaning an
            account with a broker/dealer who has executed and delivered to SSI a
            broker/dealer agreement in a form satisfactory to SSI, a reasonable
            facsimile of which is attached hereto as Exhibit A and incorporated
            herein

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            by reference (the "Broker/Dealer Agreement"),) to the effect that
            any such broker/dealer will comply with and monitor the terms and
            conditions of this Agreement for the benefit of SSI and the SSI
            Shareholders (the "Approved Broker/Dealer"), then the Common Stock
            of the SSI Shareholder that can be sold or has qualified to be sold
            hereunder will be delivered to the SSI Shareholder's account at the
            Approved Broker Dealer through the Depository Trust Corporation
            ("DTC") or by paper delivery; and provided, however, that if the SSI
            Shareholder does not have an account with an Approved Broker/Dealer,
            the Common Stock of the SSI Shareholder that can be sold or has
            qualified to be sold hereunder will be delivered to the SSI
            Shareholder in the form of an actual stock certificate that is
            imprinted with a legend indicating that resale of the Common Stock
            is subject to the terms and conditions of this Agreement, one of
            which shall be a resale through an Approved Broker/Dealer.

      2.3   Each SSI Shareholder shall be allowed to sell no more than 3,000
            shares of Common Stock per month during the Lock-Up/Leak-Out Period,
            on a cumulative basis, meaning that if no Common Stock was sold
            during one month while Common Stock was qualified to be sold, up to
            6,000 shares of Common Stock could be sold in the next successive
            month and so forth; provided, however, with respect to (i) shares of
            Common Stock that are "restricted securities" that SSI has agreed to
            register for resale with the Securities and Exchange Commission (the
            "SEC"), the commencement of the right of any such SSI Shareholder to
            sell shares of Common Stock and to cumulate unsold Common Stock into
            sales in the next successive month hereunder shall begin on the
            earlier of the month in which the Securities and Exchange Commission
            grants SSI an effective date (the "Effective Date") on any such
            registration statement, or in the month in which any such SSI
            Shareholder qualifies in all respects to sell the Common Stock under
            Rule 144 of the SEC and with respect to (ii) shares of Common Stock
            that are "restricted securities" that SSI has not agreed to register
            for resale with the SEC, in the month in which any such Shareholder
            qualifies in all respects to sell the Common Stock under Rule 144 of
            the SEC (the "Resale Qualification Dates"). All SSI Shareholders
            fully understand that certain shares of Common Stock covered by this
            Agreement have already satisfied the Resale Qualification Dates
            (approximately 280,000 shares of Common Stock held by five (5)
            persons); that the Resale Qualification Date of some other shares of
            Common Stock that may be allowed to be registered by SSI for resale
            on Form S-3 of the SEC (Common Stock that can be acquired on the
            exercise of warrants or the conversion of preferred stock or debt
            instruments may qualify for use of Form S-3) may be earlier than
            Common Stock required to be registered on some other Form; and that
            Common Stock required to be registered on some other Form of the
            SEC, like Form SB-2, may not have a Resale

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            Qualification Date for up to six (6) to nine (9) months, depending
            upon the time involved in the SEC review and comment process.

      2.4   The Common Stock may only be sold at or above the lowest "offer" or
            "ask" prices stated by the relevant market maker for the Common
            Stock on the OTC Bulletin Board or any nationally recognized medium
            on which the Common Stock is publicly traded. Each SSI Shareholder
            agrees that no sales will be made at the "bid" prices for the Common
            Stock.

      2.5   The Common Stock may not be sold at a price below $2.00 per share
            (the "Price Floor").

      2.6   The Shareholders agree that they will not engage in any short
            selling of the Common Stock during the Lock-Up/Leak-Out Period.

      2.7   From the date hereof and for a period of not less than eighteen (18)
            months from the expiration of the Lock-Up/Leak/Out Period, SSI shall
            maintain its "reporting" status with the SEC; file all reports that
            are required to be filed by it during such period; and use its "best
            efforts" to ensure that the Common Stock is continually quoted for
            public trading on a nationally recognized medium of no less
            significance than the OTC Electronic Bulletin Board of the National
            Association of Securities Dealers, Inc. (the "NASD"), or if its
            existence ceases, the BBX, the NASDAQ Small Cap or a recognized
            national stock exchange.

            3. By executing this Agreement, each Shareholder represents that the
Common Stock set forth in his/her/its Counterpart Signature Page is all of the
shares of SSI Common Stock that such SSI Shareholder beneficially owns as of the
date hereof. In addition to the Common Stock set forth in the Counterpart
Signature Page, this Agreement shall apply to all Common Stock of which each SSI
Shareholder becomes the beneficial owner of during the Lock-Up/Leak-Out Period.

            4. Notwithstanding anything to the contrary set forth herein, SSI
may, at any time and from time to time, waive any of the conditions or
restrictions contained herein to increase the liquidity of the Common Stock or
if such waiver would otherwise be in the best interests of the development of
the trading market for the Common Stock.

            5. In the event of a tender offer to purchase all or substantially
all of SSI's issued and outstanding securities, or a merger, consolidation or
other reorganization with or into an unaffiliated entity, and if the requisite
number of the record and beneficial owners of SSI securities then outstanding
are voted in favor of such tender offer, merger, consolidation or
reorganization, and such tender offer, merger, consolidation or reorganization
is completed this Agreement shall terminate as of the closing of such event and
the Common Stock restricted pursuant hereto shall be released from such
restrictions.

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            6. Except as otherwise provided in this Agreement or any other
agreements between the parties, the SSI Shareholders shall be entitled to their
respective beneficial rights of ownership of the Common Stock, including the
right to vote the Common Stock for any and all purposes.

            7. The Common Stock and per share price restrictions covered by this
Agreement shall be appropriately adjusted should SSI make a dividend or
distribution, undergo a forward split or a reverse split or otherwise reclassify
its shares of Common Stock.

            8. No transfer of any of the shares of Common Stock that are subject
to this Agreement shall be made in any transaction other than a "broker's
transaction" unless the transferee executes and delivers a copy of this
Agreement prior to the transfer of any stock certificate representing any of the
Common Stock so transferred.

            9. This Agreement may be executed in any number of counterparts with
the same force and effect as if all parties had executed the same document.

            10. All notices, instructions or other communications required or
permitted to be given pursuant to this Agreement shall be given in writing and
delivered by certified mail, return receipt requested, overnight delivery or
hand-delivered to all parties to this Agreement, to SSI, at 1175 North Service
Road West, Suite 214, Oakville, Ontario L6M 2W1, and to the SSI Shareholders, at
the addresses in their Counterpart Signature Pages. All notices shall be deemed
to be given on the same day if delivered by hand or on the following business
day if sent by overnight delivery or the second business day following the date
of mailing.

            11. The resale restrictions on the Common Stock set forth in this
Agreement shall be in addition to all other restrictions on transfer imposed by
applicable United States and state securities laws, rules and regulations.

            12. SSI or each SSI Shareholder who fails to fully adhere to the
terms and conditions of this Agreement shall be liable to every other party for
any damages suffered by any party by reason of any such breach of the terms and
conditions hereof. Each SSI Shareholder agrees that in the event of a breach of
any of the terms and conditions of this Agreement by any such SSI Shareholder,
that in addition to all other remedies that may be available in law or in equity
to the non-defaulting parties, a preliminary and permanent injunction and an
order of a court requiring such defaulting SSI Shareholder to cease and desist
from violating the terms and conditions of this Agreement and specifically
requiring such SSI Shareholder to perform his/her/its obligations hereunder is
fair and reasonable by reason of the inability of the parties to this Agreement
to presently determine the type, extent or amount of damages that SSI or the
non-defaulting SSI Shareholders may suffer as a result of any breach or
continuation thereof.

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            13. This Agreement sets forth the entire understanding of the
parties hereto with respect to the subject matter hereof, and may not be amended
except by a written instrument executed by the parties hereto.

            14. This Agreement shall be governed by and construed in accordance
with the laws of the State of Delaware applicable to contracts entered into and
to be performed wholly within said State; and SSI and the SSI Shareholders agree
that any action based upon this Agreement may be brought in the United States
and state courts of Delaware only, and each submits himself/herself/itself to
the jurisdiction of such courts for all purposes hereunder.

            15. In the event of default hereunder, the non-defaulting parties
shall be entitled to recover reasonable attorney's fees incurred in the
enforcement of this Agreement.

            IN WITNESS WHEREOF, the undersigned have duly executed and delivered
this Agreement as of the day and year first above written.

Date: _______________.                  SecureD Services, Inc.

                                        By
                                          --------------------------------------

                                        Its
                                           -------------------------------------

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                           LOCK-UP/LEAK-OUT AGREEMENT
                           COUNTERPART SIGNATURE PAGE

            This Counterpart Signature Page for that certain Lock-Up/Leak-Out
Agreement (the "Agreement") dated as of the    day of ______________,
among SecureD Services, Inc., a Delaware corporation ("SSI"); and certain
persons who are "Shareholders" of SSI, by which the undersigned, through
execution and delivery of this Counterpart Signature Page, intends to be legally
bound by the terms of the Agreement, as a Shareholder, of the number of shares
of SSI set forth below or hereafter acquired during the Lock-Up/Leak-Out Period
as defined in the Agreement.

                                        ----------------------------------------
                                        (Printed Name)

                                        ----------------------------------------
                                        (Signature)

                                        ----------------------------------------
                                        (Street Address)

                                        ----------------------------------------
                                        (City and State)

                                        ----------------------------------------
                                        (Number of Shares Owned or
                                        Underlying Other Securities)

                                        ----------------------------------------
                                        (Date)Exhibit 4(a)

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<S>                                                                             <C>
[LOGO] SBM CERTIFICATE CO.                                                                                           5101 River Road
                                                                                                                           Suite 101
                                                                                                                  Bethesda, MD 20816
                CERTIFICATE APPLICATION AND DISCLOSURE STATEMENT                                                                  or
                                                                                                                         P.O.Box 307
                                                                                                                   New Ulm, MN 56073

(Please complete one application for EACH certificate amount desired)   Account No. __________
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GENERAL INFORMATION
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Owners of Account: _________________________________________________________    ____________________________________________________
                   Name                                                         Date of Birth                 Social Security #
                   _________________________________________________________    ____________________________________________________
                   Name                                                         Date of Birth                 Social Security #

Mailing Address:   __________________________________________________________   ____________________________________________________
                   Name                                                         Date of Birth                 Social Security #
                   __________________________________________________________   ____________________________________________________
                   Street                                                       Home Phone
                   __________________________________________________________   ____________________________________________________
                                                                                Business Phone
                   __________________________________________________________   ____________________________________________________
                   City             State              Zip                      Email

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ACCOUNT         [_] Individual ownership         [_] Uniform Gifts/Transfer to Minors    [_] Trust (date trust established) ________
REGISTRATION    [_] Joints Tenants with Right        Act in State of_______________          Names of Trustee or other administrator
INFORMATION         of Survivorship              [_] IRA* [_] TRADITIONAL [_] ROTH           _______________________________________
--------------  [_] Tenants in Common            [_] SEP/IRA*                            [_] TOD (transfer on Death) - Beneficiaries
                [_] Corporate ownership          [_] Pension or Profit Sharing Plan*         _______________________________________
                [_] Partnership ownership        [_] Community Property
                                                                                             _______________________________________
                                                                                                  *Additional paper work may be
                                                                                                      required
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CLIENT PROFILE
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Employer: ____________________________________________________________    Employer Address: ________________________________________

Title/Occupation: ____________________________________________________    __________________________________________________________

Spouses Name: __________________________________________________          Spouses Employer _________________________________________

Spouses Date of Birth _______________________ Spouses Social Security # _____________________ No. of Dependents. ___________________

Brokerage Accounts? (current or former) Firm's Names _______________________________________________________________________________

Investment Objectives __________________________________________________________________      Investment Experience:

Mortgage ______________________________ Rent _________________________ Own _____________       Stocks _____________  Years _________

                    -------------------------------------------------------------------------  Bonds/CD ___________  Years _________
(check appropriate
box for all three                                                                              Mutual Funds _______  Years _________
Categories)         $0-       $25,000-  $50,000-  $100,000-  $200,000-  $500,000-  Refuse to
                    $24,999    49,000    99,000    199,000    499,000    or more   Disclose    Options ____________  Years _________
                    -------------------------------------------------------------------------
Annual Income (all                                                                             Commodities ________  Years _________
   Sources) ......
                    -------------------------------------------------------------------------  Other ______________  Years _________
Net Liquid
   Assets ........
                    -------------------------------------------------------------------------
Net Worth
   (excluding
   residence) ....
                    -------------------------------------------------------------------------

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CERTIFICATE INFORMATION
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     I/We would like to purchase a certificate as indicated below:    INITIAL INVESTMENT AMOUNT -   $ _____________________

     Series Type (Circle One)  503  505  507  510                     DISBURSEMENT AMOUNT- $ ______________________________
                                                                                             If Annual or Quartely Interest Paid Out

     Rate: _____________________________________% APR                 BENEFICIARY (if desired)______________ SSN ____________%______

     INTEREST OPTION (Circle one)   Compound  Quarterly  Annually __________________________________________ SSN ____________%______

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     Substitute W-9 Certification                                                                            [_] US CITIZEN/RESIDENT

     Under penalties of perjury, I certify by signing below that:
                                                                                                             [_] NON-RESIDENT ALIEN
     (i)  on this application, I provided you with my correct Taxpayer
          Identification Number; and
                                                                                                             [_] W-8 FORM ATTACHED
     (ii) I am not subject to backup withholding because;

          (a)  I have not been notified by the IRS that I am subject to backup
               withholding due to under reporting of interest or dividends; or

          (b)  the IRS has notified me that I am no longer subject to backup withholding.

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     I/We certify that the information on this page is accurate and complete. I/We agree to all the terms and conditions as stated
     on back of this application.
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     SIGNATURE OF APPLICANT (or Authorized Signatory)       DATE          SIGNATURE OF JOINT APPLICANT (if any)    DATE
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Dealer Information ONLY

Please establish the Account specified by the owner and purchase through SBM Certificate Company, general distributor, at the public
offering price, shares which you are authorized to purchase from us for the owner. The owner is authorized to send any future
payments directly to you for investment. Confirm each transaction to the owner and to us. We guarantee the genuineness of the
owner's signature. We are a duly registered dealer and have a sales agreement with SBM Certificate Company.

________________________________________________________________     _______________________________________________________________
Dealer Name                                                          Representative's Name                       Number

________________________________________________________________     _______________________________________________________________
Address                                                              Address

________________________________________________________________     _______________________________________________________________
City                        State           Zip Code                 City                        State           Zip Code

________________________________________________________________
Authorized Signature of Broker/Dealer       Date                     Representative's Phone Number (__________) ____________________
                                                                                                                Cat # 001594 (08/97)
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<S>                                                                             <C>
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CERTIFICATE TERMS AND CONDITIONS If your application is accepted, the following terms and conditions will govern the face-amount
certificate ("Certificate") that is issued for you.

1.   DEFINITIONS

     The terms "you" and "your" refer to the owner of the Certificate; the terms "we," "us", our" and the "Company" refer to SBM
     Certificate Company.

2.   FACE-AMOUNT

     The face-amount of your Certificate is the amount of your principal investment at the Effective Date, less any principal
     withdrawals and charges assessed against such withdrawals.

3.   EFFECTIVE DATE

     We will credit your initial principal investment and issue your Certificate on the date we accept your application.

4.   ADDITIONAL PRINCIPAL INVESTMENTS

     We do not accept additional principal investments under your Certificate.

5.   MATURITY DATE

     Series 503, Series 505, Series 507 and Series 510 Certificates mature 30, 30, 28 and 30 years after their respective Effective
     Dates. On the Maturity Date, we will pay you the account value ("Account Value") of your Certificate. At any time, your Account
     Value equals your principal investment, plus all accrued interest, less any withdrawals previously assessed.

6.   GUARANTEE PERIODS

     The Guarantee Periods for a Series 503, Series 505, Series 507, and Series 510 Certificates are three, five, seven and ten
     years, respectively. The interest rate on a Certificate is locked in for the Guarantee Period. You can surrender your
     Certificate at the end of its Guarantee Period and incur no charges .

7.   INTEREST

     We will credit interest monthly on the amount of interest that accrues on your Account Value. Accrued interest will compound
     annually based on a 30-day month and a 360-day year. The minimum interest rate ("Minimum Interest Rate") that we will credit to
     your Certificate is 2.5% per year. The interest rate applicable to your Certificate will vary from Guarantee Period to
     Guarantee Period. The applicable interest rate for your initial Guarantee Period will be the rate in effect on the date we
     accept your application and receive your principal investment at our offices. For any subsequent principal investments made, we
     will apply the interest rate in effect for the current Guarantee Period in which you are invested. You will begin earning
     interest on the Effective Date of your Certificate. We will establish the interest rates applicable to your Certificate from
     time to time at our sole discretion, provided, however, that the interest rate for each Guarantee Period will never be less
     than the minimum interest rate of 2.5%.

8.   WITHDRAWALS AND SURRENDER

     You may withdraw all or a portion of your original investment at any time. The Company assesses a withdrawal charge if you
     withdraw some or all of your account value prior to the end of your Certificate's Guarantee Period. A withdrawal charge will be
     assessed and charged to your remaining account value or, in the case of a complete surrender, the amount withdrawn, according
     to the following schedule:

     SALES CHARGE APPLIED TO AMOUNT WITHDRAWN
          YEAR OF GUARANTEE PERIOD ..............    1    2    3    4    5    6    7    8    9   10
                                                    --   --   --   --   --   --   --   --   --   --
                                 Series 503          6%   6%   5%
                                 Series 505          8%   8%   7%   6%   5%
                                 Series 507          9%   9%   9%   8%   7%  6%   5%
                                 Series 510         10%  10%  10%  10%  10%  9%   8%   7%   6%   5%

          The minimum amount you may withdraw is $1,000. The minimum amount remaining must be at least $1,000. You may choose to
          have interest compounded or paid annually, and you must maintain at least $5,000 in your account if you chose to have
          interest paid quarterly. If the amount remaining are less than these minimums, you will receive your entire account
          value, less the withdrawal charge.

9.   SURRENDER VALUE

     Upon surrender of your Certificate prior to its maturity, we will pay you your Certificate's surrender value ("Surrender
     Value"), which, at any time, equals your Account Value immediately prior to surrender, less any withdrawal charges assessable
     at the time of surrender. In no event will your Surrender Value be less than the minimum amount prescribed by Section 28 of the
     Investment Company Act of 1940, as amended (the "Act").

10.  LOANS

     You may borrow up to 50% of your Account Value for a term of up to 5 years or the Maturity Date of your Certificate, whichever
     is earlier. Loans are subject to an annual interest charge of up to 6% of the amount withdrawn, but are not subject to the
     withdrawal charge. You will not earn interest on the amount borrowed. We will treat a loan that you do not repay as a
     permanent withdrawal. We will assess the penalty for early withdrawal that would have applied at the time of withdrawal.

11.  DEFERRED PAYMENT

     We may, at our option, defer any payment to you for a period of not more than 30 days and, in that event, interest shall accrue
     on any payment or payments due to you for the period of such deferment at the Minimum Interest Rate.

12.  MAINTENANCE OF RESERVES

     Your Certificate is not secured by any particular asset of the Company. However, to support our obligations under your
     Certificate and all other Certificates that we issue, we maintain reserves in the amount and in assets of the type prescribed
     by the Act. For purposes of computing the reserves under your Certificate, the minimum maturity amount of your Certificate
     equals the face-amount of your Certificate, and no interest is payable or deemed payable until actually earned and credited.

13.  EXCHANGING CERTIFICATES

     You may not exchange your Certificate for any other Certificate.

14.  TRANSFERRING OWNERSHIP

     To transfer ownership of your Certificate, you must submit a completed transfer request form to us.

15.  MISCELLANEOUS

     Your Certificate carries no voting rights and is not entitled to participate in any dividends that the Board of Directors may
     declare. The minimum and maximum amounts applicable to your principal investment(s) and withdrawals appear on your Certificate
     application. The minimum maturity or face-amount of your Certificate, your Account Value, your Surrender Value and other
     relevant data will appear on the periodic account statements that we will send to you. These account statements are
     incorporated herein to the extent necessary to comply with applicable law.

16.  RECEIPT OF PROSPECTUS; SUITABILITY

     I have received, read, and agree to the terms of the current prospectus for each Certificate for which I am applying. I have
     the authority and legal capacity to purchase the Certificate(s), I am of legal age in my state, and believe each investment is
     suitable for me.

17.  CANCELING MY ORDER

     I understand that I may cancel, without penalty, my investment in a Certificate within 10 days after the date of purchase. I
     understand that I will not earn any interest on any canceled Certificate.

     I also understand that it is the Company's policy to return my cancelled investment within 30 days of my cancellation request.

18.  ACCEPTANCE OF APPLICATION

     I understand that acceptance of my application is at the sole discretion of SBM Certificate Company .

19.  TELEPHONE INSTRUCTIONS

     I do ____ do not _______ authorize SBM Certificate Company, its affiliates and agents to act on any telephone instructions
     believed to be genuine. I understand that SBM Certificate Company will employ reasonable procedures to confirm that
     instructions communicated by telephone are genuine, and agree that if it does, neither it nor its affiliates and agents shall
     be liable for any claims, losses, or expenses (including legal fees) for acting on any instructions believed genuine. I
     acknowledge that all telephone instructions given pursuant to this authorization are subject to the conditions set forth in the
     prospectus for each Certificate.

20.  FEES AND PENALTIES

     I understand that a withdrawal charge may apply for the Certificate that I purchase under the circumstances described in the
     prospectus.

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