Unitrust Payout Adjustment Factors (3.4% to 3.8%)

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

3.4%

..

1

1.000000

.991711

.987583

.984838

1

2

.997218

.988951

.984836

.982098

2

3

.994443

.986200

.982095

3

4

.991676

.983456

.979363

4

5

.988917

.980720

5

6

.986165

.977991

6

7

.983422

.975270

7

8

.980685

8

9

.977957

9

10

.975236

10

11

.972522

11

12

.969816

12

.

.967118

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

3.6%

..

1

1.000000

.991236

.986873

.983972

1

2

.997057

.988319

.983969

.981076

2

3

.994123

.985410

.981073

3

4

.991197

.982510

.978186

4

5

.988280

.979619

5

6

.985372

.976736

6

7

.982472

.973861

7

8

.979581

8

9

.976698

9

10

.973823

10

11

.970957

11

12

.968100

12

.

.965251

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

3.8%

..

1

1.000000

.990762

.986165

.983108

1

2

.996897

.987688

.983105

.980057

2

3

.993803

.984623

.980054

3

4

.990719

.981568

.977013

4

5

.987645

.978522

5

6

.984580

.975485

6

7

.981525

.972458

7

8

.978479

8

9

.975443

9

10

.972416

10

11

.969398

11

12

.966390

12

.

.963391