Unitrust Payout Adjustment Factors (4.0% to 4.4%)

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

4.0%

..

1

1.000000

.990290

.985459

.982247

1

2

.996737

.987059

.982244

.979042

2

3

.993485

.983838

.979038

3

4

.990243

.980628

.975844

4

5

.987011

.977428

5

6

.983791

.974239

6

7

.980581

.971060

7

8

.977381

8

9

.974192

9

10

.971013

10

11

.967844

11

12

.964686

12

.

.961538

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

4.2%

..

1

1.000000

.989820

.984755

.981389

1

2

.996577

.986432

.981385

.978030

2

3

.993166

.983056

.978026

3

4

.989767

.979691

.974679

4

5

.986380

.976338

5

6

.983004

.972996

6

7

.979639

.969666

7

8

.976286

8

9

.972945

9

10

.969615

10

11

.966296

11

12

.962989

12

.

.959693

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

4.4%

..

1

1.000000

.989350

.984054

.980533

1

2

.996418

.985806

.980529

.977021

2

3

.992849

.982275

.977017

3

4

.989293

.978757

.973517

4

5

.985749

.975251

5

6

.982219

.971758

6

7

.978700

.968277

7

8

.975195

8

9

.971702

9

10

.968221

10

11

.964753

11

12

.961298

12

.

.957854