<PAGE>
NUVEEN OHIO NUVEEN
INSURED UNIT TRUST 143 949
- --------------------------------------------------------------------------------
<TABLE>
<S> <C>
RATED: "AAA" NUVEEN TAX-FREE UNIT TRUSTS:
All bonds in this Unit Trust are insured by MBIA For the tax-sensitive, conservative investor.
Insurance Corporation. As a result, the bonds are - Double Tax-Free
rated Aaa by Moody's Investors Service, Inc. - Dependable Income
and/or AAA by Standard & Poor's, the highest - Diversified Portfolios
rating given by each agency. - Top-Rated Municipal Bonds
ESTIMATED CURRENT RETURN: DATE OF DEPOSIT: July 8, 1997
4.89 - 5.09%
ESTIMATED LONG-TERM RETURN:
4.92 - 5.18%
</TABLE>
UNITS OF THE TRUST ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED OR ENDORSED
BY, ANY BANK AND ARE NOT FEDERALLY INSURED OR OTHERWISE PROTECTED BY THE FDIC OR
ANY OTHER FEDERAL AGENCY AND INVOLVE INVESTMENT RISK, INCLUDING THE POSSIBLE
LOSS OF PRINCIPAL.
- --------------------------------------------------------------------------------
QUICK FACTS ABOUT THIS UNIT TRUST
<TABLE>
<S> <C>
Tax Status Income is exempt from federal and state income
taxes. Capital gains are taxable.
Total Principal $3,500,000 in 35,000 units
Average Life 26.2 years
Call Protection Earliest ordinary optional call is 2005
Minimum $5,000 or 50 units, whichever is lower
Investment
Offering Price $100.69 to $97.71 depending on the purchase amount
Cusip 67102G 464 monthly payment plan
Numbers 67102G 472 quarterly payment plan
67102G 480 semi-annual payment plan
Insurance Individual bonds (not units) are fully insured by
MBIA Insurance Corporation, which guarantees
timely payment of interest and principal.
Registration Registered in Ohio
</TABLE>
<TABLE>
<S> <C>
Payment Investors may choose to receive monthly, quarterly
Plans or semi-annual interest payments.
Bond Calls Most municipal bonds are subject to optional bond
calls. Bonds are usually called at a premium price
and generally not below par value.
Sales Charge The sales charge is a one-time expense included in
the Public Offering Price.
Letter Investors may use a Letter of Intent to get
of Intent reduced sales charges on purchases made over a
(LOI) 13-month period (and to take advantage of dollar
cost averaging). Minimum LOI investment $50,000.
Redemptions Units can be redeemed on any business day at no
charge. Units are redeemed at their current market
value.
Reinvestment Interest income and returned principal can be
reinvested with no sales charge into Nuveen tax-
free mutual or money market funds. For more
information obtain a prospectus.
</TABLE>
- --------------------------------------------------------------------------------
<TABLE>
<S> <C>
MATURITY DATES (Description of Chart)
2015-19 14.3%
2020-24 34.2%
2025+ 51.5%
The earliest ordinary optional call date is 2005
YIELD COMPARISON AS OF 07/07/97*
(Description of Yield Comparison Chart)
Nuveen UIT
Yield 4.89%
Tax Equivalent Yield 8.29%
Treasury Bonds
Yield 6.63%
Tax Equivalent Yield 7.17%
Corporate Bonds
Yield 7.35%
</TABLE>
<PAGE>
*COMPARES TRUST AS OF 07/07/97 WITH 30-YEAR TREASURY BONDS AND LEHMAN BROTHERS
INVESTMENT GRADE LONG CORPORATE BOND INDEX AS OF 07/03/97. ASSUMES 41.0%
FEDERAL AND STATE INCOME TAX RATE AND A 7.5% STATE INCOME TAX RATE. TREASURY
BONDS ARE SUBJECT TO FEDERAL BUT NOT STATE INCOME TAXES; CORPORATE BONDS ARE
GENERALLY SUBJECT TO BOTH. TREASURY BONDS, UNLIKE MUNICIPAL BONDS, ARE
GUARANTEED BY THE U.S. GOVERNMENT.
CALL 1.800.257.8787 FOR A PROSPECTUS CONTAINING MORE COMPLETE INFORMATION
INCLUDING CHARGES AND EXPENSES.
READ THE PROSPECTUS CAREFULLY BEFORE INVESTING.
<PAGE>
- --------------------------------------------------------------------------------
BONDS THIS OHIO INSURED UNIT TRUST CONTAINS
<TABLE>
<CAPTION>
RATINGS
PRINCIPAL EARLIEST CALL ----------
AMOUNT BOND ISSUE DATE AND PRICE S&P MOODY'S
<C> <S> <C> <C><C>
----------------------------------------------------------------------------------------------------------------
$ 500,000 State of Ohio, Turnpike Revenue Bonds, 1996 Series A, Issued by the Ohio 2006 at 102 AAA Aaa
Turnpike Commission, 5.50% Due 2/15/26. (Original issue discount bonds
delivered on or about June 20, 1996 at a price of 93.50% of principal
amount.)
500,000 City of Cleveland, Ohio, Parking Facilities Refunding Revenue Bonds, Series 2006 at 102 AAA Aaa
1996, 5.50% Due 9/15/22.
500,000 County of Cuyahoga, Ohio, Hospital Improvement and Refunding Revenue Bonds, 2006 at 102 AAA Aaa
Series 1996A (University Hospitals Health System, Inc. Project), 5.625% Due
1/15/21.
500,000 City of Dayton, Ohio, Airport Revenue Refunding Bonds, Series 1995 (James 2005 at 101 AAA Aaa
M. Cox Dayton International Airport), 5.25% Due 12/1/15.
200,000 City of Huber Heights, Ohio, Water System Revenue Bonds, Series 1995, 0.00% No Optional AAA Aaa
Due 12/1/22. (Original issue discount bonds delivered on or about September Call
29, 1995 at a price of 19.031% of principal amount.)
500,000 Kent State University (Ohio), General Receipts Bonds, Series 1996, 5.50% 2006 at 102 AAA Aaa
Due 5/1/28.
500,000 County of Lorain, Ohio, Hospital Facilities Revenue Bonds, Series 1997B 2007 at 102 AAA Aaa
(Catholic Healthcare Partners), 5.50% Due 9/1/27. (Original issue discount
bonds delivered on or about May 15, 1997 at a price of 94.711% of principal
amount.)
300,000 Commonwealth of Puerto Rico, Public Improvement Bonds of 1996 (General 2006 at 101 AAA Aaa
Obligation Bonds.), 5.40% Due 7/1/25. 1/2
----------------------------------------------------------------------------------------------------------------
$ 3,500,000 TOTAL 7 BONDS FROM OHIO AND ONE BOND FROM THE TERRITORY OF PUERTO RICO.
</TABLE>
- --------------------------------------------------------------------------------
HOW TO DETERMINE YOUR INCOME AND YIELD
HOW TO CALCULATE YOUR RETURN
<TABLE>
<S> <C>
The estimated current return is the net income the sales charge, and returns are as of 07/07/97.
divided by the offering price. Estimated long-term As of this date, Units are offered at the public
return is a measure of the return to the investor offering price plus accrued interest to the
expected to be earned over the estimated life of settlement date of $.04. Returns and prices will
the Unit Trust. The public offering prices, which fluctuate.
include
</TABLE>
<TABLE>
<CAPTION>
Public Estimated Return (CURRENT/Long Term)
Breakpoints Offering Sales -------------------------------------------------
Units / Dollars Price Charge Monthly Plan Quarterly Plan Semi-Annual Plan
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
50 / $5,000 $ 100.69 4.90 % 4.89% 4.92% 4.92% 4.95% 4.94% 4.97 %
500 / $50,000 100.54 4.75 4.90 4.93 4.93 4.96 4.95 4.98
1,000 / $100,000 100.27 4.50 4.91 4.95 4.94 4.98 4.96 5.00
2,500 / $250,000 100.01 4.25 4.92 4.97 4.96 5.00 4.98 5.02
5,000 / $500,000 99.23 3.50 4.96 5.03 5.00 5.06 5.01 5.08
10,000 / $1,000,000 98.72 3.00 4.99 5.06 5.02 5.09 5.04 5.11
25,000 / $2,500,000 98.22 2.50 5.01 5.10 5.05 5.13 5.07 5.15
50,000 / $5,000,000 97.71 2.00 5.04 5.13 5.07 5.16 5.09 5.18
</TABLE>
HOW TO DETERMINE YOUR
TAXABLE EQUIVALENT YIELD
The table shows the approximate yield an investor must get from a taxable
investment to match the estimated current return from this Unit Trust.
<TABLE>
<CAPTION>
Taxable Equivalent Yield (by tax
UNIT TRUST bracket)
RETURN 32.5% 36.0% 41.0% 44.0%
<C> <S> <C> <C> <C> <C>
4.89 % 7.24% 7.64% 8.29% 8.73 %
4.90 7.26 7.66 8.31 8.75
4.91 7.27 7.67 8.32 8.77
4.92 7.29 7.69 8.34 8.79
4.96 7.35 7.75 8.41 8.86
4.99 7.39 7.80 8.46 8.91
5.01 7.42 7.83 8.49 8.95
5.04 7.47 7.88 8.54 9.00
</TABLE>
JOHN NUVEEN & CO. INCORPORATED
333 WEST WACKER DRIVE, CHICAGO, IL 60606
HOW TO CALCULATE YOUR INCOME
The table shows expected interest payments for monthly, quarterly and
semi-annual plans. Payments will remain relatively constant as long as the Unit
Trust's size, composition and expenses remain the same. The first record date is
08/01/97.
<TABLE>
<CAPTION>
Annual
First Payment Payment Income
Payment Plan Date (per unit) (per unit)
<S> <C> <C> <C> <C>
Initial payment
(all plans) 8/15/97 $ .3146
Monthly plan 9/15/97 .4104 $ 4.9252
Quarterly plan 11/15/97 1.2384
2/15/98 1.2384 4.9572
Semi-annual plan 11/15/97 1.2438
5/15/98 2.4876 4.9762
EXAMPLE OF HOW TO CALCULATE YOUR ESTIMATED INCOME:
$10,000 DIVIDED BY 100.73 = 99.275
investment offering price # of units
(as of and accrued purchased
07/07/97) interest
99.275 X $4.9252 = $488.95
# of units annual income annual income
purchased per unit
(monthly plan)
</TABLE>
<PAGE>
NUVEEN PENNSYLVANIA NUVEEN
INSURED UNIT TRUST 226 949
- --------------------------------------------------------------------------------
<TABLE>
<S> <C>
RATED: "AAA" NUVEEN TAX-FREE UNIT TRUSTS:
All bonds in this Unit Trust are insured by MBIA For the tax-sensitive, conservative investor.
Insurance Corporation. As a result, the bonds are - Double Tax-Free
rated Aaa by Moody's Investors Service, Inc. - Dependable Income
and/or AAA by Standard & Poor's, the highest - Diversified Portfolios
rating given by each agency. - Top-Rated Municipal Bonds
ESTIMATED CURRENT RETURN: DATE OF DEPOSIT: July 8, 1997
4.92 - 5.12%
ESTIMATED LONG-TERM RETURN:
4.95 - 5.23%
</TABLE>
UNITS OF THE TRUST ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED OR ENDORSED
BY, ANY BANK AND ARE NOT FEDERALLY INSURED OR OTHERWISE PROTECTED BY THE FDIC OR
ANY OTHER FEDERAL AGENCY AND INVOLVE INVESTMENT RISK, INCLUDING THE POSSIBLE
LOSS OF PRINCIPAL.
- --------------------------------------------------------------------------------
QUICK FACTS ABOUT THIS UNIT TRUST
<TABLE>
<S> <C>
Tax Status Income is exempt from federal and state income
taxes. Capital gains are taxable.
Total Principal $3,500,000 in 35,000 units
Average Life 26.3 years
Call Protection Earliest ordinary optional call is 2005
Minimum $5,000 or 50 units, whichever is lower
Investment
Offering Price $100.51 to $97.54 depending on the purchase amount
Cusip 6706H7 227 monthly payment plan
Numbers 6706H7 235 quarterly payment plan
6706H7 243 semi-annual payment plan
Insurance Individual bonds (not units) are fully insured by
MBIA Insurance Corporation, which guarantees
timely payment of interest and principal.
Registration Registered in Pennsylvania
</TABLE>
<TABLE>
<S> <C>
Payment Investors may choose to receive monthly, quarterly
Plans or semi-annual interest payments.
Bond Calls Most municipal bonds are subject to optional bond
calls. Bonds are usually called at a premium price
and generally not below par value.
Sales Charge The sales charge is a one-time expense included in
the Public Offering Price.
Letter Investors may use a Letter of Intent to get
of Intent reduced sales charges on purchases made over a
(LOI) 13-month period (and to take advantage of dollar
cost averaging). Minimum LOI investment $50,000.
Redemptions Units can be redeemed on any business day at no
charge. Units are redeemed at their current market
value.
Reinvestment Interest income and returned principal can be
reinvested with no sales charge into Nuveen tax-
free mutual or money market funds. For more
information obtain a prospectus.
</TABLE>
- --------------------------------------------------------------------------------
<TABLE>
<S> <C>
MATURITY DATES (Description of Chart)
2019-20 18.6%
2021-22 24.3%
2023-24 28.5%
2025-26 14.3%
2027+ 14.3%
The earliest ordinary optional call date is 2005
YIELD COMPARISON AS OF 07/07/97*
(Description of Yield Comparison Chart)
Nuveen UIT
Yield 4.92%
Tax Equivalent Yield 7.94%
Treasury Bonds
Yield 6.63%
Tax Equivalent Yield 6.82%
Corporate Bonds
Yield 7.35%
</TABLE>
<PAGE>
*COMPARES TRUST AS OF 07/07/97 WITH 30-YEAR TREASURY BONDS AND LEHMAN BROTHERS
INVESTMENT GRADE LONG CORPORATE BOND INDEX AS OF 07/03/97. ASSUMES 38.0%
FEDERAL AND STATE INCOME TAX RATE AND A 2.8% STATE INCOME TAX RATE. TREASURY
BONDS ARE SUBJECT TO FEDERAL BUT NOT STATE INCOME TAXES; CORPORATE BONDS ARE
GENERALLY SUBJECT TO BOTH. TREASURY BONDS, UNLIKE MUNICIPAL BONDS, ARE
GUARANTEED BY THE U.S. GOVERNMENT.
CALL 1.800.257.8787 FOR A PROSPECTUS CONTAINING MORE COMPLETE INFORMATION
INCLUDING CHARGES AND EXPENSES.
READ THE PROSPECTUS CAREFULLY BEFORE INVESTING.
<PAGE>
- --------------------------------------------------------------------------------
BONDS THIS PENNSYLVANIA INSURED UNIT TRUST CONTAINS
<TABLE>
<CAPTION>
RATINGS
PRINCIPAL EARLIEST CALL ----------
AMOUNT BOND ISSUE DATE AND PRICE S&P MOODY'S
<C> <S> <C> <C><C>
----------------------------------------------------------------------------------------------------------------
$ 500,000 Pennsylvania Higher Educational Facilities Authority (Commonwealth of Penn- 2007 at 100 AAA Aaa
sylvania), Revenue Bonds, State System of Higher Education, Series O,
5.125% Due 6/15/24.
500,000 Pennsylvania Higher Educational Facilities Authority (Commonwealth of Penn- 2007 at 102 AAA Aaa
sylvania), Bryn Mawr College Revenue Bonds, Series of 1997, 5.625% Due
12/1/27.
500,000 Allegheny County Hospital Development Authority (Pennsylvania), Health 2005 at 102 AAA Aaa
Center Revenue Bonds, Series of 1995 (University of Pittsburgh Medical
Center System), 5.375% Due 12/1/25.
500,000 Allegheny County Sanitary Authority, Allegheny County, Pennsylvania, Sewer 2007 at 102 AAA Aaa
Revenue Bonds, Series of 1997, 5.375% Due 12/1/24. (When issued.)
500,000 Delaware County Authority (Commonwealth of Pennsylvania), Hospital Revenue 2005 at 102 AAA Aaa
Bonds, Series of 1995 (Delaware County Memorial Hospital), 5.50% Due
8/15/19. (Original issue discount bonds delivered on or about July 27, 1995
at a price of 94.645% of principal amount.)
500,000 County of Lycoming, Pennsylvania, General Obligation Bonds, Series of 1997, 2007 at 100 AAA Aaa
5.80% Due 11/15/22.
350,000 Valley View School District (Lackawanna County, Pennsylvania), General 2006 at 100 AAA Aaa
Obligation Bonds, Series of 1996A, 5.00% Due 11/15/21. (Original issue
discount bonds delivered on or about May 7, 1996 at a price of 88.083% of
principal amount.)
150,000 Valley View School District, Lackawanna County, Pennsylvania, General No Optional AAA Aaa
Obligation Bonds, Series of 1994, 0.00% Due 11/15/19. (Original issue Call
discount bonds delivered on or about December 20, 1994 at a price of 16.57%
of principal amount.)
----------------------------------------------------------------------------------------------------------------
$ 3,500,000 TOTAL 8 BONDS FROM PENNSYLVANIA.
</TABLE>
- --------------------------------------------------------------------------------
HOW TO DETERMINE YOUR INCOME AND YIELD
HOW TO CALCULATE YOUR RETURN
<TABLE>
<S> <C>
The estimated current return is the net income the sales charge, and returns are as of 07/07/97.
divided by the offering price. Estimated long-term As of this date, Units are offered at the public
return is a measure of the return to the investor offering price plus accrued interest to the
expected to be earned over the estimated life of settlement date of $.04. Returns and prices will
the Unit Trust. The public offering prices, which fluctuate.
include
</TABLE>
<TABLE>
<CAPTION>
Public Estimated Return (CURRENT/Long Term)
Breakpoints Offering Sales -------------------------------------------------
Units / Dollars Price Charge Monthly Plan Quarterly Plan Semi-Annual Plan
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
50 / $5,000 $ 100.51 4.90 % 4.92% 4.95% 4.95% 4.99% 4.97% 5.01 %
500 / $50,000 100.36 4.75 4.93 4.96 4.96 5.00 4.98 5.02
1,000 / $100,000 100.09 4.50 4.94 4.98 4.97 5.02 4.99 5.04
2,500 / $250,000 99.83 4.25 4.96 5.00 4.99 5.04 5.01 5.06
5,000 / $500,000 99.06 3.50 4.99 5.06 5.03 5.10 5.05 5.12
10,000 / $1,000,000 98.55 3.00 5.02 5.09 5.05 5.13 5.07 5.15
25,000 / $2,500,000 98.04 2.50 5.05 5.13 5.08 5.17 5.10 5.19
50,000 / $5,000,000 97.54 2.00 5.07 5.16 5.10 5.20 5.12 5.23
</TABLE>
HOW TO DETERMINE YOUR
TAXABLE EQUIVALENT YIELD
The table shows the approximate yield an investor must get from a taxable
investment to match the estimated current return from this Unit Trust.
<TABLE>
<CAPTION>
Taxable Equivalent Yield (by tax
UNIT TRUST bracket)
RETURN 30.0% 33.0% 38.0% 41.5%
<C> <S> <C> <C> <C> <C>
4.92 % 7.03% 7.34% 7.94% 8.41 %
4.93 7.04 7.36 7.95 8.43
4.94 7.06 7.37 7.97 8.44
4.96 7.09 7.40 8.00 8.48
4.99 7.13 7.45 8.05 8.53
5.02 7.17 7.49 8.10 8.58
5.05 7.21 7.54 8.15 8.63
5.07 7.24 7.57 8.18 8.67
</TABLE>
JOHN NUVEEN & CO. INCORPORATED
333 WEST WACKER DRIVE, CHICAGO, IL 60606
HOW TO CALCULATE YOUR INCOME
The table shows expected interest payments for monthly, quarterly and
semi-annual plans. Payments will remain relatively constant as long as the Unit
Trust's size, composition and expenses remain the same. The first record date is
08/01/97.
<TABLE>
<CAPTION>
Annual
First Payment Payment Income
Payment Plan Date (per unit) (per unit)
<S> <C> <C> <C> <C>
Initial payment
(all plans) 8/15/97 $ .3160
Monthly plan 9/15/97 .4122 $ 4.9471
Quarterly plan 11/15/97 1.2447
2/15/98 1.2447 4.9791
Semi-annual plan 11/15/97 1.2492
5/15/98 2.4984 4.9981
EXAMPLE OF HOW TO CALCULATE YOUR ESTIMATED INCOME:
$10,000 DIVIDED BY 100.55 = 99.453
investment offering price # of units
(as of and accrued purchased
07/07/97) interest
99.453 X $4.9471 = $492.00
# of units annual income annual income
purchased per unit
(monthly plan)
</TABLE>
