Document:

Executed in 6 Parts
                                             Counterpart No. (   )

                              NATIONAL EQUITY TRUST
                        S&P 500 STRATEGY TRUST SERIES 18
                            REFERENCE TRUST AGREEMENT

     This  Reference  Trust  Agreement  dated  ________,  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:

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                                      -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,  S&P 500 Strategy  Trust
     Series 18.

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 mean on the tenth day
     of            2002,          2003,        2003 and                2003.

J.   The term "Distribution Date" shall mean on the twenty-fifth  day
     of            2002,          2003,        2003 and                2003.

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]Prepared by R.R. Donnelley Financial -- Exhibit 4.1

  
 EXHIBIT 4.1 
  
 NTELOS INC. 
  
 AMENDED AND RESTATED

  
 EMPLOYEE STOCK PURCHASE PLAN 
  
 Effective as of August 30, 2002 
  
 SECTION
1.    Shares Offered 
  
 NTELOS Inc., hereinafter called the “Company”, has authorized
offers for sale to its eligible personnel, as defined in Section 2, of up to 300,000 shares of common stock of the Company (“Common Stock”) pursuant to its Employee Stock Purchase Plan, adopted by the Company’s Board of
Directors (the “Board”) on August 25, 1997, as amended, with a monthly offering to be made each subsequent month until all of the authorized shares are subscribed and issued. Shares may be purchased in the open market or otherwise
for use in the Plan. 
  
 SECTION 2.    Who May Participate 

 
 All regular personnel of the Company and its subsidiaries who are full-time employees, excluding occasional or part-time
personnel regularly scheduled to work less than 20 hours per week, are eligible to purchase Common Stock under the Plan. Any person who becomes an employee of the Company after the effective date of the Plan and meets all requirements herein
provided shall also be eligible. 
  
 SECTION 3.    Method of Electing to Subscribe
and Purchase 
  
 In order to subscribe and purchase shares of Common Stock, every eligible employee shall sign a
Subscription Agreement and deliver it to the Corporate Office of the Company or to one of the local offices. The Subscription Agreement must be delivered no later than 10 calendar days prior to the last business day of the month immediately
preceding the month in which the eligible employee wishes to (i) begin purchasing shares under the Plan or (ii) amend his or her previous subscription. However, the Company may extend the date by which subscriptions must be delivered if existing
circumstances justify such extension. All subscriptions shall be subject to the terms hereof and to acceptance by the Company. Subscriptions shall be considered accepted unless notice is received to the contrary. 
  
 Notwithstanding any other provision of the Plan, no participating employee shall be entitled to subscribe and purchase shares of Common
Stock under the Plan if, immediately after acceptance of the Subscription Agreement or any amendment thereto, the participating employee would own Common Stock possessing five percent (5%) or more of the total combined voting power or value of all
classes of stock of the Company or any subsidiary within the meaning of Section 423(b)(3) of the Internal Revenue Code of 1986 (the “Code”). For purposes of this Section 3, stock ownership of a participating employee shall be
determined under the stock attribution rules of Section 424(d) of the Code, and Common Stock that the participating employee may purchase under outstanding Subscription Agreements shall be treated as Common Stock the participating employee owns.

  
 The Company, through broker-dealer firms, acts as a Purchasing Agent for the Plan and makes purchases of Common
Stock for the Plan in the open market or otherwise. 
  
 SECTION 4.    Purchase
Price 
  
 The purchase price per share of Common Stock for shares purchased directly from the Company shall be ten
percent (10%) less than the average of the high and low sale prices on the issue date as reported on the NASDAQ National Market System. The issue date shall be the last trading day of the month. The purchase price per share of Common Stock for
shares purchased in the market or otherwise by the 
 

 Purchasing Agent will be ninety percent (90%) of the average price of all shares purchased for the Plan for the applicable period. 

 
 SECTION 5.    Number Of Shares Which May Be Purchased 
  
 The number of shares each eligible employee may purchase will be determined by the amount of the payroll deduction and the purchase price
as defined in Section 4. 
  
 An eligible employee may authorize a maximum payroll deduction of $12.50 per year for
each $100 of annual basic rate of wage or salary for the purchase of stock under the Plan. An employee may, however, elect to authorize a payroll deduction of less than the maximum amount. 
  
 Basic rate of wage and salary shall be those in effect on the date the payroll deduction authorization is made or amended. The amount of any payroll deduction may be
amended monthly by delivery of a new subscription in accordance with Section 3, effective upon such delivery. 
  
 SECTION 6.    Duration of Stock Purchase Plan 
  
 The Plan will
continue until 300,000 shares have been subscribed and issued to eligible employees, unless the Plan is sooner amended or terminated by the Board. 
  
 SECTION 7.    Method of Payment 
  
 Payment for shares subscribed shall be by payroll deduction only, and such deduction shall be authorized in writing by each person so subscribing. The amount of the bi-weekly deduction for hourly-paid personnel paid on a bi-weekly or
a weekly basis shall be 1/26th or 1/52nd, respectively, of the total amount permitted to be withheld on an annual basis. The amount of the semi-monthly deduction for exempt and non-exempt salaried personnel shall be 1/24th of the total amount
permitted to be withheld on an annual basis. Payroll deductions will begin no later than the first full payroll period in the month following delivery of a new subscription in accordance with Section 3. 
  
 SECTION 8.    Interest on Payroll Deductions 
  
 No interest will be paid on payroll deductions. 
  
 SECTION 9.    Account Statements 
  
 Each participant will receive
a quarterly statement detailing the transactions for the period. The statement will be similar to the statement provided now to participants in the Dividend Reinvestment and Stock Purchase Plan. 
  

Since an employee’s deduction seldom will be an amount that will purchase an exact number of shares, purchases for an account will normally include a fractional
share. These fractional shares will earn proportional dividend income the same as full shares, and will be computed to three decimal places. 
  
 SECTION 10.    Rights of Employees Who Have Subscribed for Stock 
  
 All participating employees shall have the same rights and privileges under the Plan with respect to subscription rights. 
  
 No participating employee shall have any rights of a shareholder as to shares subscribed for and purchased pursuant to the Plan, prior to the issue date for such shares.

  
 Any employee who has subscribed for shares of Common Stock may, upon written notice to the employer, cancel such
subscription as to unissued shares and receive in cash the net amount of all payroll 
 

 deductions credited to him at the date of such notice. Any employee who cancels his subscription may, thereafter, if eligible at the time,
resubscribe in accordance with Section 3. 
  
 If any employee shall die or cease to be an employee of the Company for
any reason, his or her subscription shall be deemed to be canceled automatically, and such employee or his or her personal representative shall be entitled to receive in cash the net amount of all payroll deductions credited to such employee at the
time of such event. 
  
 SECTION 11.    Changes in Shares of Common Stock

  
 In the event of any stock dividend, stock split or other reclassification of the Company’s Common Stock or
in the event of any merger, consolidation or sale of all or substantially all of the assets of the Company, an appropriate adjustment may be made in the number of shares offered pursuant to the Plan and in the purchase price per share. Whether and
how any such adjustments are made shall be determined by the Board in accordance with what it deems appropriate and equitable under the circumstances. 
  
 SECTION 12.    General 
  
 The
Company’s interpretation of any provision of the Plan shall be conclusive and binding on all persons. The Company may prescribe additional provisions applicable to the Plan. However, such provisions shall not affect any action taken or rights
accrued before such provisions are prescribed. The Company reserves the right to terminate the Plan at any time.

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