Unitrust Payout Adjustment Factors (2.8% to 3.2%)

Number of Months

That Valuation Date

Factors For Payout

Precedes First Payout

At The End Of Each

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

2.8%

..

1

1.000000

.993144

.989727

.987454

1

2

.997701

.990861

.987452

.985184

2

3

.995408

.988583

.985182

3

4

.993120

.986311

.982918

4

5

.990837

.984044

5

6

.988560

.981782

6

7

.986287

.979525

7

8

.984020

8

9

.981758

9

10

.979502

10

11

.977250

11

12

.975004

12

.

.972763

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

3.0%

..

1

1.000000

.992665

.989010

.986579

1

2

.997540

.990222

.986577

.984152

2

3

.995086

.987786

.984150

3

4

.992638

.985356

.981729

4

5

.990195

.982932

5

6

.987759

.980514

6

7

.985329

.978102

7

8

.982905

8

9

.980487

9

10

.978075

10

11

.975669

11

12

.973268

12

.

.970874

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

3.2%

..

1

1.000000

.992187

.988296

.985707

1

2

.997379

.989586

.985705

.983123

2

3

.994764

.986992

.983121

3

4

.992156

.984405

.980544

4

5

.989555

.981824

5

6

.986961

.979250

6

7

.984374

.976683

7

8

.981794

8

9

.979220

9

10

.976653

10

11

.974093

11

12

.971539

12

.

.968992