Unitrust Payout Adjustment Factors (1.0% to 1.4%)

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

1.0%

..

1

1.000000

.997519

.996279

.995454

1

2

.999171

.996692

.995454

.994629

2

3

.998343

.995866

.994629

3

4

.997515

.995040

.993804

4

5

.996689

.994215

5

6

.995863

.993391

6

7

.995037

.992568

7

8

.994212

8

9

.993388

9

10

.992565

10

11

.991742

11

12

.990920

12

.

.990099

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

1.2%

..

1

1.000000

.997027

.995542

.994554

1

2

.999006

.996036

.994553

.993565

2

3

.998014

.995047

.993565

3

4

.997022

.994058

.992578

4

5

.996032

.993070

5

6

.995042

.992084

6

7

.994054

.991098

7

8

.993066

8

9

.992079

9

10

.991093

10

11

.990109

11

12

.989125

12

.

.988142

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

1.4%

..

1

1.000000

.996536

.994808

.993656

1

2

.998842

.995382

.993656

.992505

2

3

.997686

.994230

.992505

3

4

.996530

.993079

.991356

4

5

.995376

.991929

5

6

.994224

.990780

6

7

.993073

.989633

7

8

.991923

8

9

.990774

9

10

.989627

10

11

.988481

11

12

.987336

12

.

.986193