Unitrust Payout Adjustment Factors (2.2% to 2.6%)

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

2.2%

..

1

1.000000

.994589

.991891

.990095

1

2

.998188

.992787

.990094

.988301

2

3

.996380

.990988

.988300

3

4

.994574

.989193

.986509

4

5

.992772

.987401

5

6

.990974

.985612

6

7

.989178

.983826

7

8

.987386

8

9

.985597

9

10

.983811

10

11

.982029

11

12

.980250

12

.

.978474

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

2.4%

..

1

1.000000

.994106

.991168

.989212

1

2

.998026

.992143

.989210

.987259

2

3

.996055

.990184

.987257

3

4

.994088

.988229

.985308

4

5

.992126

.986278

5

6

.990167

.984331

6

7

.988212

.982387

7

8

.986261

8

9

.984313

9

10

.982370

10

11

.980430

11

12

.978494

12

.

.976562

________

___________________

______________________________________________

Interest

At

But

Annual

Semiannual

Quarterly

Monthly

Rate

Least

Less Than

Period

Period

Period

Period

2.6%

..

1

1.000000

.993624

.990446

.988331

1

2

.997863

.991501

.988330

.986220

2

3

.995731

.989382

.986218

3

4

.993604

.987268

.984111

4

5

.991481

.985159

5

6

.989362

.983054

6

7

.987248

.980953

7

8

.985139

8

9

.983034

9

10

.980933

10

11

.978837

11

12

.976746

12

.

.974659