Document:

Executed in 6 Parts
                                             Counterpart No. (   )

                              NATIONAL EQUITY TRUST
                           OTC Growth Trust Series 21
                            REFERENCE TRUST AGREEMENT

     This  Reference  Trust  Agreement  dated  ________,  2002 among  Prudential
Investment  Management  Services  LLC, as  Depositor,  The Bank of New York,  as
Trustee and Prudential  Securities  Incorporated,  as Portfolio  Supervisor 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          as of the date hereof.

G.   A Unit of the Trust is hereby declared initially equal to 1/     th of the
     Trust.

H.   The term "First Settlement Date" shall mean                        , 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          , 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 Depositor's  Portfolio  supervisory service fee shall be $.25 per 1,000
     Units.

               [Signatures and acknowledgments on separate pages]EXHIBIT 4.1

NUMBER _____                                                     _____ SHARES
COMMON SHARES                                                   COMMON SHARES

                                  KFX INC.
            INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE

TRANSFERABLE IN THE CITIES OF NEW                         CUSIP 48245L 10 7
YORK, N.Y., RIDGEFIELD PARK, N.J.                           SEE REVERSE FOR
     OR SALT LAKE CITY, U.T.                            CERTAIN DEFINITIONS

THIS CERTIFIES THAT
                                                   [SPECIMEN]

IS THE RECORD HOLDER OF

FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK OF THE PAR VALUE $.001
EACH OF KFX INC.

transferable on the books of the Corporation in person or by duly
authorized attorney upon surrender of this Certificate properly endorsed.
This Certificate is not valid until countersigned by the Transfer Agent and
registered by the Registrar.

Witness the facsimile seal of the Corporation and the facsimile signatures
of its duly authorized officers.

Dated:
                              [CORPORATE SEAL]
<TABLE>
<CAPTION>

<S>                                                  <C>
Countersigned and Registered:                       Countersigned and Registered:
Interwest Transfer Company, Inc.                    Chemical Mellon Sharesholder Services, L.L.C.
1981 East Murray Holladay Road, Suite 100           Co-Transfer Agent and Registrar
Salt Lake City, Utah 84117                          By
Transfer Agent and Registrar                        Authorized Signaure
By
Authorized Signature

  -----------------------                             -----------------------
        SECRETARY                                             PRESIDENT
</TABLE>

                             [REVERSE OF NOTE]

                                  KFX INC.

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 -
TEN ENT -   as tenants by the entireties
                                                      ___Custodian___

                                                (Cust)                 (Minor)
JT TEN -    as joint tenants with rights of    under Uniform Gifts to Minor Act
            survivorship and not as tenants
            in common                              _______________________
                                                          (State)

                Additional abbreviations may also 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
_______________________________________
|                                      |
|______________________________________|
-----------------------------------------------------------------------------
------------------------------------
(please print or typewrite name and address, including zip code, of assignee)

Shares of the Common Shares represented by the within Certificate, and do
hereby irrevocably constitute and appoint ___________ to transfer the said
Shares on the books of the within named Corporation 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
                                       ACCELERATION OR ENLARGEMENT OR ANY
                                       CHANGE WHATEVER.

SIGNATURES(S) GUARANTEED

BY:
    ---------------------------------------
    THE SIGNATURE(S) SHOULD 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.REAL ESTATE LEASE

This Lease  Agreement  (this "Lease") is made effective as of February 01, 2002,
by  and  between  Curtis  A.Swanson   ("Landlord's,   and  RTIN  Holdings,  Inc.
("Tenant"). The parties agree as follows:

PREMISES.  Landlord,  in  consideration  of the lease payments  provided in this
Lease,  leases to Tenant the property (the "Premises") located at 3218 Page Rd.,
Longview, Texas 75605.

TERM.  The lease tern will begin on  February  01,  2002 and will  terminate  on
December 31, 2002.

LEASE PAYMENTS. Tenant shall pay to Landlord monthly installments of $600.00 per
month,  payable  in advance on the first day of each  month,  for a total  lease
payment  of  $6,600.00.  Lease  payments  shall be made to  Landlord  at 2866 W.
Country Club Rd., Longview,  Texas 75602, which may be changed from time to time
by Landlord.

POSSESSION.  Tenant shall be entitled to possession on the first day of the term
of this  Lease,  and shall yield  possession  to Landlord on the last day of the
term of this Lease,  unless otherwise agreed by both parties in writing.  At the
expiration of the term,  Tenant shall remove its goods and effects and peaceably
yield up the  Premises to Landlord in as good  condition  as when  delivered  to
Tenant, ordinary wear and tear excepted.

USE OF PREMISES/ABSENCES. Tenant shall occupy and use the Premises as a dwelling
unit. Tenant shall notify Landlord of any anticipated  extended absence from the
Premises not later than the first day of the extended absence.

PETS.  No pets  shall be allowed on the  Premises.  At the time of signing  this
Lease,  Tenant shall pay to Landlord,  in trust, a deposit of $0.00,  to be held
and  disbursed for pet damages to the Premises (if any) as provided by law. This
deposit is in addition to any other security deposit stated in this Lease.

PROPERTY  INSURANCE.  Landlord and Tenant shall each be  responsible to maintain
appropriate  insurance  for  their  respective  interests  in the  Premises  and
property located on the Premises.

MAINTENANCE.  Landlord shall have the responsibility to maintain the Premises in
good  repair at all times and  perform  all  repairs  necessary  to satisfy  any
implied warranty of habitability.

<PAGE>

UTILITIES  AND  SERVICES.  Tenant shall be  responsible  fox all  utilities  and
services in connection with the Premises for the term of this Lease.

TAXES.  Landlord shall pay all real estate taxes which may be levied against the
Premises.

TERMINATION UPON SALE OF PREMISES. Notwithstanding any other provision of this

Lease, Landlord may terminate this lease upon sixty (60) days' written notice to
Tenant that the Premises have been sold.

DESTRUCTION  OR  CONDEMNATION  OF  PREMISES.  If the  Premises  are  damaged  or
destroyed by fire or other casualty to the extent that enjoyment of the dwelling
unit is substantially  impaired,  Landlord,  in its sole discretion may elect to
repair the Premises or terminate the Lease upon thirty days'  written  notice to
Tenant.  If the  Premises are  condemned or cannot be repaired,  this Lease will
terminate upon twenty days' written notice by either party.

HABITABILITY.  Tenant has  inspected  the  Premises and fixtures (or has had the
Premises inspected on behalf of Tenant),  and acknowledges that the Premises are
in a reasonable and acceptable condition of habitability for their intended use,
and the agreed lease payments are fair and reasonable.  If the condition changes
so that, in Tenant's opinion,  the habitability and rental value of the Premises
are adversely  affected,  Tenant shall  promptly  provide  reasonable  notice to
Landlord.

DEFAULTS.  Tenant  shall be in default of this Lease if Tenant  fails to fulfill
any lease obligation or term by which Tenant is bound.  Subject to any governing
provision  of law to the  contrary,  if  Tenant  fails  to  cure  any  financial
obligation within 10 days (or any other obligation within 30 days) after written
notice of such default is provided by Landlord to Tenant,  Landlord may elect to
cure  such  default  and the cost of such  action  shall  be  added to  Tenant's
financial obligations under this Lease. All sums of money or charges required to
be paid by Tenant under this Lease shall be additional rent, whether or not such
sums or charges are designated as "additional rent". The rights provided by this
paragraph  are  cumulative  in nature and are in  addition  to any other  rights
afforded by law.

HOLDOVER.  If Tenant  maintains  possession of the Premises for any period after
the termination of this Lease ("Holdover Period"),  Tenant shall pay to Landlord
lease  payments)  during the Holdover Period at a rate equal to 150% of the most
recent rate  preceding the Holdover  Period.  Such holdover  shall  constitute a
month-to-month extension of this Lease.

CUMULATIVE  RIGHTS.  The rights of the parties under this Lease are  cumulative,
and shall not be construed as exclusive unless otherwise required by law.

NON-SUFFICIENT FUNDS. Tenant shall be charged the maximum amount allowable under
applicable  law for  each  check  that  is  returned  to  Landlord  for  lack of
sufficient funds.

                                       -2-

<PAGE>

REMODELING  OR  STRUCTURAL  IMPROVEMENTS.  Tenant shall have the  obligation  to
conduct  any  construction  or  remodeling  (at  Tenant's  expense)  that may be
required to use the Premises as specified above.  Tenant may also construct such
fixtures on the Premises (at Tenant's expense) that appropriately facilitate its
use for such purposes.  Such construction  shall be undertaken and such fixtures
may be erected only with the prior written  consent of Landlord  which shall not
be unreasonably withheld. At the end of the lease term, Tenant shall be entitled
to remove (or at the request of Landlord shall remove) such fixtures,  and shall
restore the Premises to substantially  the same condition of the Premises at the
commencement of this Lease.

ACCESS BY LANDLORD TO PREMISES.  Subject to Tenant's consent (which shall not be
unreasonably  withheld),  Landlord shall have the right to enter the Premises to
make inspections,  provide necessary  services,  or show the unit to prospective
buyers,  mortgagees,  tenants or workers.  However, Landlord does not assume any
liability for the care or  supervision  of the Premises.  As provided by law, in
the case of an  emergency,  Landlord  may enter the  Premises  without  Tenant's
consent.  During the last three months of this Lease,  or any  extension of this
Lease,  Landlord  shall be allowed to display  the usual "To Let" signs and show
the Premises to prospective tenants.

DANGEROUS  MATERIALS.  Tenant shall not keep or have on the Premises any article
or  thing  of  a  dangerous,   flammable,  or  explosive  character  that  might
substantially  increase  the  danger of fire on the  Premises,  or that might be
considered  hazardous  by a  responsible  insurance  company,  unless  the prior
written  consent  of  Landlord  is  obtained  and  proof of  adequate  insurance
protection is provided by Tenant to Landlord.

MECHANICS  LIENS.  Neither Tenant nor anyone  claiming  through the Tenant shall
have the right to file mechanics liens or any other kind of lien on the Premises
and the filing of this Lease  constitutes  notice  that such liens are  invalid.
Further,  Tenant agrees to (1) give actual  advance  notice to any  contractors,
subcontractors  or suppliers of goods,  labor,  or services that such liens will
not be valid, and (2) take whatever additional steps that are necessary in order
to keep the premises free of all liens  resulting from  construction  done by or
for the Tenant.

SUBORDINATION  OF LEASE.  This Lease is  subordinate  to any  mortgage  that now
exists, or may be given later by Landlord, with respect to the Premises.;

ASSIGNABILITY/SUBLETTING.  Tenant may not assign or sublease any interest in the
Premises,  nor assign,  mortgage or pledge this Lease, without the prior written
consent of Landlord, which shall not be unreasonably withheld.

                                       -3-

<PAGE>

NOTICE.  Notices  under this Lease  shall not be deemed  valid  unless  given or
served in writing and forwarded by mail, postage prepaid, addressed to the party
at the appropriate  address set forth below.  Such addresses may be changed from
time to time by either  party by providing  notice as set forth  below.  Notices
mailed in accordance with these provisions shall be deemed received on the third
day after posting.

LANDLORD:
---------

Curtis A.Swanson
2866 W. Country Club Rd.
Longview, TX 75605

TENANT:
-------

RTIN Holdings, Inc.
3218 Page Rd.
Longview, Texas 75605

GOVERNING LAW. This Lease shall be construed in accordance  with the laws of the
State of Texas.

ENTIRE  AGREEMENTlAMENDMENT.  This Lease  contains  the entire  agreement of the
parties and there are no other  promises,  conditions,  understandings  or other
agreements,  whether  oral or written,  relating  to the subject  matter of this
Lease.  This Lease may be  modified  or amended in  writing,  if the  writing is
signed by the party obligated under the amendment.

SEVERABILITY.  If any  portion  of this  Lease  shall be held to be  invalid  or
unenforceable  for any reason,  the remaining  provisions  shall  continue to be
valid and  enforceable.  If a court  finds that any  provision  of this Lease is
invalid or  unenforceable,  but that by limiting such  provision it would become
valid and  enforceable,  then  such  provision  shall be  deemed to be  written,
construed, and enforced as so limited.

WAIVER.  The  failure of either  party to enforce any  provisions  of this Lease
shall  not be  construed  as a waiver or  limitation  of that  party's  right to
subsequently  enforce and compel strict  compliance with every provision of this
Lease.

BINDING EFFECT.  The provisions of this Lease shall be binding upon and inure to
the  benefit  of  both  parties  and  their  respective  legal  representatives,
successors and assigns.

                                       -4-

<PAGE>

LANDLORD:

 /s/ Curtis A. Swanson
-----------------------
Curtis A.Swanson

TENANT:

 /s/ Stanley L. Swanson
-----------------------
RTIN Holdings, Inc.

                                       -5-

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