Unitrust Payout Adjustment Factors (1.6% to 2.0%)

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

1.6%

..

1

1.000000

.996047

.994075

.992761

1

2

.998678

.994731

.992761

.991449

2

3

.997358

.993416

.991449

3

4

.996040

.992102

.990138

4

5

.994723

.990791

5

6

.993408

.989481

6

7

.992095

.988173

7

8

.990783

8

9

.989474

9

10

.988166

10

11

.986859

11

12

.985555

12

.

.984252

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

1.8%

..

1

1.000000

.995560

.993345

.991870

1

2

.998514

.994081

.991869

.990396

2

3

.997031

.992604

.990396

3

4

.995550

.991130

.988924

4

5

.994071

.989657

5

6

.992594

.988187

6

7

.991120

.986719

7

8

.989647

8

9

.988177

9

10

.986709

10

11

.985243

11

12

.983780

12

.

.982318

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

2.0%

..

1

1.000000

.995074

.992617

.990981

1

2

.998351

.993433

.990980

.989347

2

3

.996705

.991795

.989346

3

4

.995062

.990160

.987715

4

5

.993421

.988527

5

6

.991783

.986897

6

7

.990148

.985270

7

8

.988515

8

9

.986885

9

10

.985258

10

11

.983633

11

12

.982011

12

.

.980392