Unitrust Payout Adjustment Factors (4.6% to 5.0%)

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

4.6%

..

1

1.000000

.988882

.983354

.979680

1

2

.996259

.985183

.979676

.976015

2

3

.992532

.981498

.976011

3

4

.988820

.977826

.972360

4

5

.985121

.974168

5

6

.981436

.970524

6

7

.977764

.966894

7

8

.974107

8

9

.970463

9

10

.966832

10

11

.963216

11

12

.959613

12

.

.956023

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

4.8%

..

1

1.000000

.988415

.982657

.978830

1

2

.996101

.984561

.978825

.975013

2

3

.992217

.980722

.975008

3

4

.988348

.976898

.971206

4

5

.984494

.973089

5

6

.980655

.969294

6

7

.976831

.965515

7

8

.973022

8

9

.969228

9

10

.965448

10

11

.961684

11

12

.957934

12

.

.954199

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

5.0%

..

1

1.000000

.987950

.981961

.977982

1

2

.995942

.983941

.977977

.974014

2

3

.991901

.979949

.974009

3

4

.987877

.975973

.970057

4

5

.983868

.972013

5

6

.979876

.968069

6

7

.975900

.964141

7

8

.971940

8

9

.967997

9

10

.964069

10

11

.960157

11

12

.956261

12

.

.952381