<PAGE>
NUVEEN ARIZONA NUVEEN
INSURED UNIT TRUST 52 955
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<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: August 8, 1997
4.63 - 4.82%
ESTIMATED LONG-TERM RETURN:
4.65 - 4.93%
</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.
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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 21.6 years
Call Protection Earliest ordinary optional call is 2004
Minimum $5,000 or 50 units, whichever is lower
Investment
Offering Price $101.32 to $98.33 depending on the purchase amount
Cusip 67101J 857 monthly payment plan
Numbers 67101J 865 quarterly payment plan
67101J 873 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 Arizona
</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>
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<TABLE>
<S> <C>
MATURITY DATES (Description of Chart)
2014-15 28.6%
2016-17 14.3%
2018-19 28.5%
2020+ 28.6%
The earliest ordinary optional call date is 2004
YIELD COMPARISON AS OF 08/07/97*
(Description of Yield Comparison Chart)
Nuveen UIT
Yield 4.63%
Tax Equivalent Yield 7.65%
Treasury Bonds
Yield 6.48%
Tax Equivalent Yield 6.84%
Corporate Bonds
Yield 7.21%
</TABLE>
<PAGE>
*COMPARES TRUST AS OF 08/07/97 WITH 30-YEAR TREASURY BONDS AND LEHMAN BROTHERS
INVESTMENT GRADE LONG CORPORATE BOND INDEX AS OF 08/06/97. ASSUMES 39.5%
FEDERAL AND STATE INCOME TAX RATE AND A 5.20% 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>
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BONDS THIS ARIZONA 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>
----------------------------------------------------------------------------------------------------------------
$ 400,000 Madison Elementary School District No. 38 of Maricopa County, Arizona, 2005 at 101 AAA Aaa
School Improvement Bonds, Project of 1995, Series A (1995), 5.00% Due
7/1/14. (Original issue discount bonds delivered on or about June 7, 1995
at a price of 91.92% of principal amount.)(General Obligation Bonds.)
100,000 The Industrial Development Authority of the County of Maricopa (Arizona), No Optional AAA Aaa
Single Family Mortgage Revenue Bonds, Series 1983A, 0.00% Due 12/31/14. Call
(Original issue discount bonds delivered on or about December 29, 1983 at a
price of 35.614% of principal amount.)(Escrow Secured.)
500,000 City of Phoenix, Arizona, General Obligation Refunding Bonds, Series 1995A, 2005 at 101 AAA Aaa
5.00% Due 7/1/19. (Original issue discount bonds delivered on or about July
6, 1995 at a price of 92.753% of principal amount.)
500,000 City of Phoenix Civic Improvement Corporation (Arizona), Wastewater System 2004 at 102 AAA Aaa
Lease Revenue Refunding Bonds, Series 1993, 4.75% Due 7/1/23. (Original
issue discount bonds delivered on or about November 4, 1993 at a price of
92.50% of principal amount.)
500,000 City of Phoenix Civic Improvement Corporation (Arizona), Municipal 2007 at 100 AAA Aaa
Facilities Subordinated Excise Tax Revenue Refunding Bonds, Series 1997,
5.25% Due 7/1/15.
500,000 Show Low Unified School District No. 10 Of Navajo County, Arizona, School 2007 at 101 AAA Aaa
Improvement Bonds, Project of 1997, Series A (1997), 5.25% Due 7/1/16.
(General Obligation Bonds.)
500,000 City of Tucson, Arizona, Water System Revenue Refunding Bonds, Series 1997, 2007 at 100 AAA Aaa
5.00% Due 7/1/19. (When issued.)
500,000 University of Puerto Rico, University System Revenue Bonds, Series M, 5.25% 2005 at 101.5 AAA Aaa
Due 6/1/25. (Original issue discount bonds delivered on or about May 25,
1995 at a price of 91.25% of principal amount.)
----------------------------------------------------------------------------------------------------------------
$ 3,500,000 TOTAL 7 BONDS FROM ARIZONA AND ONE BOND FROM THE TERRITORY OF PUERTO RICO.
</TABLE>
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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 08/07/97.
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 $.07. 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 $ 101.32 4.90 % 4.63% 4.65% 4.66% 4.68% 4.68% 4.70 %
500 / $50,000 101.17 4.75 4.64 4.66 4.67 4.69 4.69 4.71
1,000 / $100,000 100.90 4.50 4.65 4.68 4.68 4.71 4.70 4.73
2,500 / $250,000 100.64 4.25 4.66 4.70 4.70 4.73 4.71 4.75
5,000 / $500,000 99.85 3.50 4.70 4.76 4.73 4.79 4.75 4.81
10,000 / $1,000,000 99.34 3.00 4.72 4.80 4.76 4.83 4.78 4.85
25,000 / $2,500,000 98.83 2.50 4.75 4.84 4.78 4.87 4.80 4.89
50,000 / $5,000,000 98.33 2.00 4.77 4.88 4.81 4.91 4.82 4.93
</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 31.0% 34.5% 39.5% 43.0%
<C> <S> <C> <C> <C> <C>
4.63 % 6.71% 7.07% 7.65% 8.12 %
4.64 6.72 7.08 7.67 8.14
4.65 6.74 7.10 7.69 8.16
4.66 6.75 7.11 7.70 8.18
4.70 6.81 7.18 7.77 8.25
4.72 6.84 7.21 7.80 8.28
4.75 6.88 7.25 7.85 8.33
4.77 6.91 7.28 7.88 8.37
</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
09/01/97.
<TABLE>
<CAPTION>
Annual
First Payment Payment Income
Payment Plan Date (per unit) (per unit)
<S> <C> <C> <C> <C>
Initial payment
(all plans) 9/15/97 $ .2996
Monthly plan 10/15/97 .3909 $ 4.6934
Quarterly plan 11/15/97 .7872
2/15/98 1.1808 4.7254
Semi-annual plan 11/15/97 .7902
5/15/98 2.3706 4.7444
EXAMPLE OF HOW TO CALCULATE YOUR ESTIMATED INCOME:
$10,000 DIVIDED BY 101.39 = 98.629
investment offering price # of units
(as of and accrued purchased
08/07/97) interest
98.629 X $4.6934 = $462.91
# of units annual income annual income
purchased per unit
(monthly plan)
</TABLE>
<PAGE>
NUVEEN GEORGIA NUVEEN
INSURED UNIT TRUST 57 955
- --------------------------------------------------------------------------------
<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: August 8, 1997
4.75 - 4.94%
ESTIMATED LONG-TERM RETURN:
4.76 - 5.01%
</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 26.5 years
Call Protection Earliest ordinary optional call is 2004
Minimum $5,000 or 50 units, whichever is lower
Investment
Offering Price $102.50 to $99.47 depending on the purchase amount
Cusip 67102H 223 monthly payment plan
Numbers 67102H 231 quarterly payment plan
67102H 249 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 Georgia
</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)
2014-17 14.3%
2018-21 0.0%
2022-25 42.9%
2026+ 42.8%
The earliest ordinary optional call date is 2004
YIELD COMPARISON AS OF 08/07/97*
(Description of Yield Comparison Chart)
Nuveen UIT
Yield 4.75%
Tax Equivalent Yield 7.92%
Treasury Bonds
Yield 6.48%
Tax Equivalent Yield 6.89%
Corporate Bonds
Yield 7.21%
</TABLE>
<PAGE>
*COMPARES TRUST AS OF 08/07/97 WITH 30-YEAR TREASURY BONDS AND LEHMAN BROTHERS
INVESTMENT GRADE LONG CORPORATE BOND INDEX AS OF 08/06/97. ASSUMES 40.0%
FEDERAL AND STATE INCOME TAX RATE AND A 6% 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 GEORGIA 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 Municipal Electric Authority of Georgia, Project One Subordinated Bonds, 2007 at 101 AAA Aaa
Series 1997A, 5.00% Due 1/1/26. (Original issue discount bonds delivered on
or about August 7, 1997 at a price of 93.53% of principal amount.)
500,000 City of Atlanta, Georgia, Public Improvement General Obligation Bonds, 2006 at 100 AAA Aaa
Series 1996B, 5.00% Due 12/1/16.
500,000 City of Atlanta and Fulton County (Georgia), Recreation Authority, Revenue 2007 at 102 AAA Aaa
Bonds (Downtown Arena Public Improvements Project), Series 1996A, 5.375%
Due 12/1/26.
500,000 City of Atlanta, Georgia, Water and Sewerage Revenue Bonds, Series 1993, 2004 at 102 AAA Aaa
4.75% Due 1/1/23. (Original issue discount bonds delivered on or about
October 21, 1993 at a price of 92.426% of principal amount.)
500,000 Private Colleges and Universities Authority (Georgia), Revenue Bonds (Emory 2007 at 101 AAA Aaa
University Project), Series 1997A, 5.125% Due 11/1/27.
500,000 Richmond County (Georgia), Water and Sewerage Revenue Refunding and 2006 at 102 AAA Aaa
Improvement Bonds, Series 1996A, 5.25% Due 10/1/22.
500,000 University of Puerto Rico, University System Revenue Bonds, Series M, 5.25% 2005 at 101.5 AAA Aaa
Due 6/1/25. (Original issue discount bonds delivered on or about May 25,
1995 at a price of 91.25% of principal amount.)
----------------------------------------------------------------------------------------------------------------
$ 3,500,000 TOTAL 6 BONDS FROM GEORGIA 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 08/07/97.
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 $.07. 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 $ 102.50 4.90 % 4.75% 4.76% 4.78% 4.79% 4.80% 4.81 %
500 / $50,000 102.34 4.75 4.76 4.77 4.79 4.79 4.80 4.81
1,000 / $100,000 102.07 4.50 4.77 4.79 4.80 4.82 4.82 4.84
2,500 / $250,000 101.81 4.25 4.78 4.80 4.81 4.83 4.83 4.85
5,000 / $500,000 101.02 3.50 4.82 4.86 4.85 4.89 4.87 4.91
10,000 / $1,000,000 100.50 3.00 4.84 4.89 4.87 4.92 4.89 4.94
25,000 / $2,500,000 99.98 2.50 4.87 4.93 4.90 4.96 4.92 4.98
50,000 / $5,000,000 99.47 2.00 4.89 4.96 4.92 4.99 4.94 5.01
</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% 35.0% 40.0% 43.0%
<C> <S> <C> <C> <C> <C>
4.75 % 7.04% 7.31% 7.92% 8.33 %
4.76 7.05 7.32 7.93 8.35
4.77 7.07 7.34 7.95 8.37
4.78 7.08 7.35 7.97 8.39
4.82 7.14 7.42 8.03 8.46
4.84 7.17 7.45 8.07 8.49
4.87 7.21 7.49 8.12 8.54
4.89 7.24 7.52 8.15 8.58
</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
09/01/97.
<TABLE>
<CAPTION>
Annual
First Payment Payment Income
Payment Plan Date (per unit) (per unit)
<S> <C> <C> <C> <C>
Initial payment
(all plans) 9/15/97 $ .3107
Monthly plan 10/15/97 .4053 $ 4.8663
Quarterly plan 11/15/97 .8160
2/15/98 1.2240 4.8983
Semi-annual plan 11/15/97 .8190
5/15/98 2.4570 4.9173
EXAMPLE OF HOW TO CALCULATE YOUR ESTIMATED INCOME:
$10,000 DIVIDED BY 102.57 = 97.494
investment offering price # of units
(as of and accrued purchased
08/07/97) interest
97.494 X $4.8663 = $474.44
# of units annual income annual income
purchased per unit
(monthly plan)
</TABLE>