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<PAGE> [SBM CERTIFICATE COMPANY LETTERHEAD] May 6, 1998 Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Re: SBM Certificate Company ("Registrant") Rule 497(j) Filing of Prospectus Registration No. 33-38066 Pursuant to Rule 497(j) under the Securities Act of 1933, we are filing the Registrant's Prospectus dated May 1, 1998 in the exact form used. Sincerely, /s/ Cara M. Page Cara M. Page Paralegal
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