Document:

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                                   EXHIBIT 4.1

     Number                                                               Shares
/---------/                                                           /--------/

                               eSAFETYWORLD, INC.
                   AUTHORIZED COMMON STOCK: 20,000,000 SHARES
                                PAR VALUE: $.001

THIS CERTIFIES THAT

         ---------------------------------------------

IS THE RECORD HOLDER OF

         Shares of eSAFETYWORLD, Inc. Common Stock 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:

--------------------------                         -----------------------------
         Secretary                                            President

                               eSAFETYWORLD, INC.
                                   CORPORATE
                                      SEAL
                                     NEVADA

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NOTICE:  Signature must be guaranteed by a firm which is a member of a
         registered national stock exchange, or by a bank (other than a saving
         bank), or a trust company. 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:

<TABLE>
<S>                                                       <C>
                  TEN COM - as tenants in common              unif gift min act-
  .........Custodian...........
                  TEN ENT - as tenants by the entireties  (Cust          (Minor)
                  JF TEN - as joint tenants with right    under Uniform Gifts to
                           of survivorship and not as     Minors Act ...........
                              tenants in common                          (State)
</TABLE>

         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 / /

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    (Please print or typewrite name and address, including zip code of Assignee)

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         _____________________________________________________________Shares of
         the capital stock represented by the within certificate, and do hereby
         irrevocably constitute and appoint

         ____________________________________________________________Attorney
         to transfer the said stock on the books of the within named
         Corporation with full power of substitution in the premises.

         Dated _______________________

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NOTICE:  The signature to this assignment must correspond with the name as
         written upon the face of the certificate in every particular without
         alteration or enlargement or any change whatever<PAGE>

                                  EXHIBIT 10.2

                              CONSULTING AGREEMENT

         AGREEMENT made this 28th day of July, 1999, by and betwee EH
Associates, LLC, a consulting firm domiciled in the State of New York
hereinafter referred to as the "Consultant", and The SL Group, Inc. whose
principal place of business is located at in East Setauket, New York hereinafter
referred to as "Company."

         WHEREAS, the Company desires to engage the services of the Consultant
to perform consulting services for the Company regarding as an independent
contractor and not as an employee; and

         WHEREAS, Consultant desires to consult with the Board of Directors, the
officers of the Company, and the administrative staff, and to undertake for the
Company consultation as to the direction of certain functions in said management
of;

         NOW, THEREFORE, it is agreed as follows:

1.       Term. The respective duties and obligations of the contracting parties
         shall be for a period of five years commencing on July 15, 1999, and
         may be terminated by either party after three years by giving ninety
         (90) days' written notice to the other party at the addresses stated
         above or at an address chosen subsequent to the execution of this
         agreement and duly communicated to the party giving notice. This
         Agreement shall automatically renew each year thereafter, unless either
         party gives sixty (60) days written notice to the other party of his
         intent not to renew for an additional period.

2.       Consultations. Consultant shall be available to consult with the Board
         of Directors, the officers of the Company, and the heads of the
         administrative staff, at reasonable times, concerning matters
         pertaining to the organization of the administrative staff, the fiscal
         policies of the Company, the relationship of the Company with its
         employees or with any organization representing its employees, and, in
         general, the important problems of concern in the business affairs of
         the

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         Company. Consultant shall not represent the Company, its Board of
         Directors, its officers or any other members of the Company in any
         transactions or communications nor shall Consultant make claim to do
         so.

3.       Liability. With regard to the services to be performed by the
         Consultant pursuant to the terms of this agreement, the Consultant
         shall not be liable to the Company, or to anyone who may claim any
         right due to any relationship with the Corporation, for any acts or
         omissions in the performance of services on the part of the Consultant
         or on the part of the agents or employees of the Consultant, except
         when said acts or omissions of the Consultant are due to willful
         misconduct or gross negligence. The Company shall hold the Consultant
         free and harmless from any obligations, costs, claims, judgments,
         attorneys' fees, and attachments arising from or growing out of the
         services rendered to the Company pursuant to the terms of this
         agreement or in any way connected with the rendering of services,
         except when the same shall arise due to the willful misconduct or gross
         negligence of the Consultant and the Consultant is adjudged to be
         guilty of willful misconduct or gross negligence by a court of
         competent jurisdiction.

4.       Compensation. The Consultant shall receive compensation from the
         Company for the performance of the services to rendered to the Company
         pursuant to the terms of the agreement of not less than $125,000 per
         year during Year 1, $140,000 during Year 2 and $150,000 in Year 3
         payable in biweekly instalments. In addition, the Company shall
         reimburse the Consultant for any reasonable out of pocket expenses
         incurred by the Consultant pursuant to the terms of this agreement.
         Consultant shall be paid a bonus or success fee, as determined by the
         Board of Directors or the Compensation Committee thereof, for strategic
         acquisitions or mergers in which Consultant participates.

5.       Arbitration. Any controversy or claim arising out of or relating to
         this contract, or the breach thereof, shall be settled by arbitration
         in accordance of the rules of the American Arbitration Association, and
         judgment upon the award rendered by the arbitrator(s) shall be entered
         in any court having jurisdiction thereof. For that purpose, the parties
         hereto consent to the jurisdiction and venue of an appropriate

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         court located in Suffolk County, State of New York. In the event that
         litigation results from or arises out of this Agreement or the
         performance thereof, the parties agree to reimburse the prevailing
         party's reasonable attorney's fees, court costs, and all other
         expenses, whether or not taxable by the court as costs, in addition to
         any other relief to which the prevailing party may be entitled. In such
         event, no action shall be entertained by said court or any court of
         competent jurisdiction if filed more than one year subsequent to the
         date the cause(s) of action actually accrued regardless of whether
         damages were otherwise as of said time calculable.

         IN WITNESS WHEREOF, the parties have hereunto executed this Agreement
on the 27th day of July, 1999.

"Company"

SL Group, Inc.
--------------------------------
Company Name

By:/s/ R. Bret Jenkins
  ------------------------------

"Consultant"

E.H. Associates, L.L.P.

By: /s/ Edward Heil
--------------------------------

                                       3<PAGE>

                                        Executed in 6 Parts
                                          Counterpart No. (   )

                     NATIONAL EQUITY TRUST

                    BIOTECH SECURITIES TRUST

                   REFERENCE TRUST AGREEMENT

          This Reference Trust Agreement dated   , 2000 among Prudential
Securities Incorporated, as Depositor and The Chase Manhattan Bank, as Trustee,
sets forth certain provisions in full and incorporates other provisions by
reference to the document entitled "National Equity Trust Low Five Portfolio
Series, Trust Indenture and Agreement" (the "Basic Agreement") dated April 25,
1995. 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 except that the Basic Agreement is hereby amended in the following
manner:

    A.   Article I, entitled "Definitions", paragraph 22, shall
         be amended as follows:

               "Trustee shall mean the Chase Manhattan Bank,
                or any successor trustee appointed as
                            hereinafter provided."

    B.   Article II, entitled "Deposit of Securities; Acceptance
         of Trust", shall be amended as follows:

                The second sentence of Section 2.03 Issue of Units shall be
                amended by deleting the words "on any day on which the Depositor
                is the only Unit Holder".

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                                       -2-

    C.    Article III, entitled "Administration of Trust", shall
          be amended as follows:

            (i)   Section 3.01 Initial Costs shall be
                  amended to substitute the following
                  language:

                  Section 3.01. Initial Cost The costs of organizing the Trust
                  and sale of the Trust Units shall, to the extent of the
                  expenses reimbursable to the Depositor provided below, be
                  borne by the Unit Holders, provided, however, that, to the
                  extent all of such costs are not borne by Unit Holders, the
                  amount of such costs not borne by Unit Holders shall be borne
                  by the Depositor and, provided further, however, that the
                  liability on the part of the Depositor under this section
                  shall not include any fees or other expenses incurred in
                  connection with the administration of the Trust subsequent to
                  the deposit referred to in Section 2.01. Upon notification
                  from the Depositor that the primary offering period is
                  concluded, the Trustee shall withdraw from the Account or
                  Accounts specified in the Prospectus or, if no Account is
                  therein specified, from the Principal Account, and pay to the
                  Depositor the Depositor's reimbursable expenses of organizing
                  the Trust and sale of the Trust Units in an amount certified
                  to the Trustee by the Depositor. If the balance of the
                  Principal Account is insufficient to make such withdrawal, the
                  Trustee shall, as directed by the Depositor, sell Securities
                  identified by the Depositor, or distribute to the Depositor
                  Securities having a value, as determined under Section 4.01 as
                  of the date of distribution, sufficient for such
                  reimbursement. The reimburse- ment provided for in this
                  section shall be for the account of the Unitholders of record
                  at the conclusion of the primary offering period and shall not
                  be reflected in the computation of the Unit Value prior
                  thereto. As used herein, the Depositor's

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                                       -3-

                  reimbursable expenses of organizing the Trust and sale of the
                  Trust Units shall include the cost of the initial preparation
                  and typesetting of the registration statement, prospectuses
                  (including preliminary prospectuses), the indenture, and other
                  documents relating to the Trust, SEC and state blue sky
                  registration fees, the cost of the initial valuation of the
                  portfolio and audit of the Trust, the initial fees and
                  expenses of the Trustee, and legal and other out-of-pocket
                  expenses related thereto, but not including the expenses
                  incurred in the printing of preliminary prospectuses and
                  prospectuses, expenses incurred in the preparation and
                  printing of brochures and other advertising materials and any
                  other selling expenses. Any cash which the Depositor has
                  identified as to be used for reimbursement of expenses
                  pursuant to this Section shall be reserved by the Trustee for
                  such purpose and shall not be subject to distribution or,
                  unless the Depositor otherwise directs, used for payment of
                  redemptions in excess of the per-Unit amount allocable to
                  Units tendered for redemption. As directed by the Depositor,
                  the Trustee will advance funds to the Trust in an amount
                  necessary to reimburse the Depositor pursuant to this Section
                  and shall recover such advance from the sale or sales of
                  Securities at such time as the Depositor shall direct, but in
                  no event later than the termination of the Trust. Repayment of
                  any such advance shall be secured by a lien on the assets of
                  the Trust prior to the interest of the Unit Holders as
                  provided in Section 6.04.

           (ii)   The third paragraph of Section 3.05 Distribution shall be
                  amended to add the following sentence at the end thereof:

                 "The Trustee shall make a special distribution of the cash
                  balance in the Income and Principal accounts available for
                  such distribution to Unit Holders of record on such dates as
                  the Depositor shall direct, provided however, that no such
                  distribution shall be made if the assets of the Trust
                  subsequent to such distribution would not exceed any Deferred
                  Sales Charge payable and other trust expenses."

          (iii)  The second to the last paragraph of
                  Section 3.08 Sale of Securities shall be
                  amended to replace the word "equal" with
                  the following phrase: "be sufficient to
                  pay."

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                                       -4-

      D.    Reference to United States Trust Company of New York
            in its capacity as Trustee is replaced by the Chase
            Manhattan Bank throughout the Basic Agreement.

                                       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, Biotech Securities Trust.

                  B.    The Units of the Trust shall be subject to
            a deferred sales charge.

                  C.    The contracts for the purchase of common stock 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
            Securities Incorporated.

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

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

                  G.    The term "First Settlement Date" shall mean
                     , 2000.

                  H.    The terms "Computation Day" and "Record
            Date" shall be on such dates as the Sponsor shall direct.

                  I.    The term "Distribution Date" shall be on such
            dates as the Sponsor shall direct.

                  J.    The term "Termination Date" shall mean
                     , 2001.

                  K. The Trustee's Annual Fee shall be $ (per 1,000 Units) for
            100,000,000 and above units outstanding; $0.80 (per 1,000 Units) for
            50,000,000 - 99,999,999 units outstanding; $0.86 (per 1,000 Units)
            for 49,999,999 and below units outstanding. In calculating the
            Trustee's annual fee, the fee applicable to the number of units
            outstanding shall apply to all units outstanding.

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                                       -5-

                  L.    The Depositor's Portfolio supervisory
            service fee shall be $     per 1,000 Units.

                  [Signatures and acknowledgments on separate pages]

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