Also, I double checked the certificate is valid, and redid the export to file.  It was just issued.  Restarted the service again.

 

In the Log Viewer I see this .Net exception, not sure what to do about it but maybe this helps?

 

Exception negotiating SSL certificate: System.NotSupportedException: The server mode SSL must use a certificate with the associated private key.
   at System.Net.Security.SecureChannel.AcquireServerCredentials(Byte[]& thumbPrint)
   at System.Net.Security.SecureChannel.GenerateToken(Byte[] input, Int32 offset, Int32 count, Byte[]& output)
   at System.Net.Security.SslState.StartSendBlob(Byte[] incoming, Int32 count, AsyncProtocolRequest asyncRequest)
   at System.Net.Security.SslState.ProcessReceivedBlob(Byte[] buffer, Int32 count, AsyncProtocolRequest asyncRequest)
   at System.Net.Security.SslState.StartReceiveBlob(Byte[] buffer, AsyncProtocolRequest asyncRequest)
   at System.Net.Security.SslState.ForceAuthentication(Boolean receiveFirst, Byte[] buffer, AsyncProtocolRequest asyncRequest)
   at System.Net.Security.SslState.ProcessAuthentication(LazyAsyncResult lazyResult)
   at System.Net.Security.SslStream.AuthenticateAsServer(X509Certificate serverCertificate)
   at TcpServerLib.Pooled.PooledTcpItem.ConvertToSSL(IPBindingPort setting)
   at TcpServerLib.Pooled.PooledTcpServer.#SBc(Socket , PooledTcpItem , IPBindingPort )
 

Okay, figured it out, admin didn't export the cert correctly.  This older post is the real way to do it, better than the kb link above.  http://forums.smartertools.com/threads/my-guide-to-secure-e-mail-with-smartermail.12000/