








                 ==================================================


                              FUTURE VALUE SCHEDULE        


                      For:                    Any Name Here
                      Initial Balance:            10,000.00
                      As of:                        1/30/91
                 ==================================================





























                 Prepared By :                          I. M. Smart
  Any Name Here
                                                                       Page  1

  Per/Yr    Deposit     Interest    Principal             Gain          F V
  ____________________________________________________________________________
    1/91       100.        71.79      10,100.            71.79       10,171.79
    2/91       100.        73.01      10,200.           144.80       10,344.80
    3/91       100.        74.24      10,300.           219.03       10,519.03
    4/91       100.        75.48      10,400.           294.51       10,694.51
    5/91       100.        76.72      10,500.           371.23       10,871.23
    6/91       100.        77.98      10,600.           449.21       11,049.21
    7/91       100.        79.24      10,700.           528.46       11,228.46
    8/91       100.        80.52      10,800.           608.98       11,408.98
    9/91       100.        81.80      10,900.           690.78       11,590.78
   10/91       100.        83.09      11,000.           773.87       11,773.87
   11/91       100.        84.40      11,100.           858.27       11,958.27
   12/92       100.        85.71      11,200.           943.97       12,143.97
   13/92       100.        87.03      11,300.         1,031.00       12,331.00
   14/92       100.        88.36      11,400.         1,119.35       12,519.35
   15/92       100.        89.69      11,500.         1,209.05       12,709.05
   16/92       100.        91.04      11,600.         1,300.09       12,900.09
   17/92       100.        92.40      11,700.         1,392.49       13,092.49
   18/92       100.        93.77      11,800.         1,486.26       13,286.26
   19/92       100.        95.14      11,900.         1,581.40       13,481.40
   20/92       100.        96.53      12,000.         1,677.93       13,677.93
   21/92       100.        97.93      12,100.         1,775.86       13,875.86
   22/92       100.        99.34      12,200.         1,875.20       14,075.20
   23/92       100.       100.75      12,300.         1,975.95       14,275.95
   24/93       100.       102.18      12,400.         2,078.13       14,478.13
   25/93       100.       103.62      12,500.         2,181.74       14,681.74
   26/93       100.       105.06      12,600.         2,286.81       14,886.81
   27/93       100.       106.52      12,700.         2,393.33       15,093.33
   28/93       100.       107.99      12,800.         2,501.32       15,301.32
   29/93       100.       109.47      12,900.         2,610.78       15,510.78
   30/93       100.       110.96      13,000.         2,721.74       15,721.74
   31/93       100.       112.46      13,100.         2,834.19       15,934.19
   32/93       100.       113.97      13,200.         2,948.16       16,148.16
   33/93       100.       115.49      13,300.         3,063.65       16,363.65
   34/93       100.       117.02      13,400.         3,180.66       16,580.66
   35/93       100.       118.56      13,500.         3,299.22       16,799.22
   36/94       100.       120.11      13,600.         3,419.34       17,019.34
   37/94       100.       121.68      13,700.         3,541.01       17,241.01
   38/94       100.       123.25      13,800.         3,664.27       17,464.27
   39/94       100.       124.84      13,900.         3,789.11       17,689.11
   40/94       100.       126.44      14,000.         3,915.55       17,915.55
   41/94       100.       128.05      14,100.         4,043.60       18,143.60
   42/94       100.       129.67      14,200.         4,173.26       18,373.26
   43/94       100.       131.30      14,300.         4,304.57       18,604.57
   44/94       100.       132.95      14,400.         4,437.51       18,837.51
   45/94       100.       134.60      14,500.         4,572.11       19,072.11
   46/94       100.       136.27      14,600.         4,708.38       19,308.38
   47/94       100.       137.95      14,700.         4,846.33       19,546.33
   48/95       100.       139.64      14,800.         4,985.97       19,785.97
