<PAGE>
NUVEEN
NUVEEN FLORIDA
INSURED UNIT TRUST 222
- ------------------------------------------
<TABLE>
<S> <C>
RATED: "AAA" NUVEEN TAX-FREE UNIT TRUSTS:
ESTIMATED CURRENT RETURN: For the tax-sensitive, conservative investor.
4.71 - 4.91% - Tax-Free
ESTIMATED LONG-TERM RETURN: - Dependable Income
4.79 - 5.06% - Diversified Portfolios
DATE OF DEPOSIT: December 29, 1995 - Top-Rated Municipal Bonds
</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 income tax. Capital
gains are taxable.
Total Principal $3,500,000 in 35,000 units
Average Life 23.4 years
Call Protection Earliest ordinary optional call is 2003
Minimum $5,000 or 50 units, whichever is lower
Investment
Offering Price $100.18 to $97.21 depending on the purchase amount
Cusip 6706H4 463 monthly payment plan
Numbers 6706H4 471 quarterly payment plan
6706H4 489 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 Florida
</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 (Descrtiption of Chart)
2010-13 3.9%
2014-17 49.2%
2018-21 18.3%
2022+ 28.6%
The earliest ordinary optional call date is 2003
YIELD COMPARISON AS OF 12/28/95*
(Descrition of Yield Comparison Chart)
Nuveen UIT
Pre-Tax 7.36%
Tax Equivalent Yield 4.71%
Treasury Bonds
Pre-Tax
Tax Equivalent Yield 5.98%
Corporate Bonds
</TABLE>
CALL 1.800.257.8787 FOR A PROSPECTUS CONTAINING MORE COMPLETE INFORMATION
INCLUDING CHARGES AND EXPENSES.
<PAGE>
<TABLE>
<S> <C>
Yield 7.04%
</TABLE>
*COMPARES TRUST WITH 30-YEAR TREASURY BONDS AND LEHMAN BROTHERS INVESTMENT
GRADE LONG CORPORATE BOND INDEX. ASSUMES 36% FEDERAL 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. THE LEHMAN BROTHERS INVESTMENT GRADE LONG
CORPORATE BOND INDEX IS CALCULATED AS OF 11/30/95.
<PAGE>
- --------------------------------------------------------------------------------
BONDS THIS UNIT TRUST CONTAINS
<TABLE>
<CAPTION>
RATINGS
PRINCIPAL EARLIEST CALL ----------
AMOUNT BOND ISSUE DATE AND PRICE S&P MOODY'S
<C> <S> <C> <C><C>
----------------------------------------------------------------------------------------------------------------
$ 365,000 State of Florida, State Board of Education, Public Education Capital Outlay AAA Aaa
Refunding Bonds, 1995 Series C, 5.50% Due 6/1/21. (General Obligation
Bonds.) 2005 at 101
500,000 City of Arcadia, Florida, Dedicated Pool Local Government Revenue Bonds, AAA Aaa
Series 1993, 5.25% Due 12/1/15. 2003 at 102
135,000 City of Lakeland, Florida, Electric and Water Revenue Bonds, Series 1989, AAA Aaa
0.00% Due 10/1/10. (Original issue discount bonds delivered on or about
January 4, 1990 at a price of 24.00% of principal amount.) No Optional
Call
500,000 Orange County (Florida), Health Facilities Authority, Hospital Revenue AAA Aaa
Bonds, Series 1995 (Adventist Health System/Sunbelt Obligated Group), 5.75%
Due 11/15/25. 2005 at 102
500,000 Orlando Utilities Commission (Florida), Water and Electric Subordinated AAA Aaa
Revenue Bonds, Series 1993B, 5.25% Due 10/1/23. (Original issue discount
bonds delivered on or about August 12, 1993 at a price of 92.63% of
principal amount.) 2003 at 101
500,000 City of Palm Bay, Florida, Utility System Refunding Revenue Bonds, Series AAA Aaa
1994 (Palm Bay Utility Corporation Project), 5.00% Due 10/1/15. 2003 at 102
430,000 The School Board of Seminole County, Florida, Certificates of AAA Aaa
Participation, Series 1995A, 2005 at 101
225M-5.125% Due 7/1/15,
205M-5.25% Due 7/1/21.
500,000 South Bay Correctional Facility Project (Florida), Certificates of AAA Aaa
Participation, Series 1995, 5.00% Due 8/1/17. 2005 at 102
70,000 City of Sunrise, Florida, Public Facilities Revenue Bonds, Series 1992B, AAA Aaa
0.00% Due 10/1/18. (Original issue discount bonds delivered on or about
March 10, 1992 at a price of 16.932% of principal amount.) No Optional
Call
----------------------------------------------------------------------------------------------------------------
$ 3,500,000 TOTAL 9 BONDS
</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 12/28/95.
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 $ 100.18 4.90 % 4.71% 4.79% 4.74% 4.82% 4.76% 4.84 %
500 / $50,000 100.02 4.75 4.72 4.79 4.75 4.82 4.77 4.84
1,000 / $100,000 99.76 4.50 4.73 4.82 4.76 4.85 4.78 4.87
2,500 / $250,000 99.50 4.25 4.74 4.83 4.77 4.86 4.79 4.88
5,000 / $500,000 98.73 3.50 4.78 4.89 4.81 4.92 4.83 4.94
10,000 / $1,000,000 98.22 3.00 4.80 4.93 4.84 4.96 4.86 4.98
25,000 / $2,500,000 97.71 2.50 4.83 4.97 4.86 5.00 4.88 5.02
50,000 / $5,000,000 97.21 2.00 4.85 5.01 4.89 5.04 4.91 5.06
</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
UNIT TRUST tax bracket)
RETURN 28.0% 31.0% 36.0% 39.5%
<C> <S> <C> <C> <C> <C>
4.71 % 6.54% 6.83% 7.36% 7.79%
4.72 6.56 6.84 7.38 7.80
4.73 6.57 6.86 7.39 7.82
4.74 6.58 6.87 7.41 7.83
4.78 6.64 6.93 7.47 7.90
4.80 6.67 6.96 7.50 7.93
4.83 6.71 7.00 7.55 7.98
4.85 6.74 7.03 7.58 8.02
</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
02/01/96.
<TABLE>
<CAPTION>
Annual
First Payment Payment Income
Payment Plan Date (per unit) (per unit)
<S> <C> <C> <C> <C>
Initial partial
payment (all
plans) 2/15/96 $ .4192
Monthly plan 3/15/96 .3930 $ 4.7190
Quarterly plan 5/15/96 1.1871
8/15/96 1.1871 4.7510
Semi-annual plan 5/15/96 1.1925
11/15/96 2.3850 4.7700
EXAMPLE OF HOW TO CALCULATE YOUR ESTIMATED INCOME:
$10,000 DIVIDED BY 100.25 = 99.750
investment offering price # of units
(as of and accrued purchased
12/28/95) interest
99.750 X $4.7190 = $470.72
# of units annual income annual income
purchased per unit
(monthly plan)
</TABLE>
<PAGE>
NUVEEN
NUVEEN NEW JERSEY
INSURED UNIT TRUST 201
- ------------------------------------------
<TABLE>
<S> <C>
RATED: "AAA" NUVEEN TAX-FREE UNIT TRUSTS:
ESTIMATED CURRENT RETURN: For the tax-sensitive, conservative investor.
4.83 - 5.03% - Double Tax-Free
ESTIMATED LONG-TERM RETURN: - Dependable Income
4.90 - 5.16% - Diversified Portfolios
DATE OF DEPOSIT: December 29, 1995 - Top-Rated Municipal Bonds
</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 26.7 years
Call Protection Earliest ordinary optional call is 2003
Minimum $5,000 or 50 units, whichever is lower
Investment
Offering Price $100.11 to $97.15 depending on the purchase amount
Cusip 6706LA 282 monthly payment plan
Numbers 6706LA 290 quarterly payment plan
6706LA 308 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 New Jersey
</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 (Descrtiption of Chart)
2014-17 35.5%
2018-21 0.0%
2022-25 35.8%
2026-29 14.3%
2030+ 14.3%
The earliest ordinary optional call date is 2003
YIELD COMPARISON AS OF 12/28/95*
(Descrition of Yield Comparison Chart)
Nuveen UIT
Pre-Tax 8.05%
Tax Equivalent Yield 4.83%
Treasury Bonds
Pre-Tax 6.39%
Tax Equivalent Yield 5.98%
</TABLE>
CALL 1.800.257.8787 FOR A PROSPECTUS CONTAINING MORE COMPLETE INFORMATION
INCLUDING CHARGES AND EXPENSES.
<PAGE>
<TABLE>
<S> <C>
Corporate Bonds
Yield 7.04%
</TABLE>
*COMPARES TRUST WITH 30-YEAR TREASURY BONDS AND LEHMAN BROTHERS INVESTMENT
GRADE LONG CORPORATE BOND INDEX. ASSUMES 40% FEDERAL AND STATE INCOME TAX RATE
AND A 6.37% 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.
THE LEHMAN BROTHERS INVESTMENT GRADE LONG CORPORATE BOND INDEX IS CALCULATED
AS OF 11/30/95.
<PAGE>
- --------------------------------------------------------------------------------
BONDS THIS 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 New Jersey Educational Facilities Authority, Revenue Bonds, New Jersey AAA Aaa
Institute of Technology, Series 1995 E, 5.375% Due 7/1/25. 2005 at 101
355,000 New Jersey Transportation Trust Fund Authority, Transportation System AAA Aaa
Bonds, 1995 Series B, 5.50% Due 6/15/15. (Original issue discount bonds
delivered on or about August 24, 1995 at a price of 94.788% of principal
amount.) 2005 at 102
145,000 New Jersey Wastewater Treatment Trust, Wastewater Treatment Bonds, Series AAA Aaa
1995A, 5.25% Due 9/1/15. (General Obligation Bonds.) 2005 at 102
300,000 School Bonds of the Board of Education of the Township of Branchburg, in AAA Aaa
the County of Somerset, New Jersey, 5.625% Due 2/1/24. (General Obligation
Bonds.) 2007 at 100
500,000 The Pollution Control Financing Authority of Salem County (New Jersey), AAA Aaa
Pollution Control Revenue Refunding Bonds, 1993 Series C (Public Service
Electric and Gas Company Project), 5.55% Due 11/1/33. 2003 at 102
500,000 The Sussex County Municipal Utilities Authority, County of Sussex, New AAA Aaa
Jersey, 1993 Wastewater Facilities Revenue Bonds, Refunding Series D,
5.375% Due 12/1/14. 2003 at 102
450,000 The Board of Education of the Township of Union, in the County of Union, AAA Aaa
New Jersey, School Bonds, 5.50% Due 1/1/22. (General Obligation Bonds.)
(When issued.) 2006 at 102
250,000 The Town of West New York, Municipal Utilities Authority (Hudson County, AAA Aaa
New Jersey), Sewer Revenue and Refunding Capital Appreciation Bonds, Series
1991, 0.00% Due 12/15/17. (Original issue discount bonds delivered on or
about September 16, 1991 at a price of 17.07% of principal amount.) No Optional
Call
500,000 Delaware River Port Authority (New Jersey and Pennsylvania), Revenue Bonds, AAA Aaa
Series of 1995, 5.50% Due 1/1/26. 2006 at 102
----------------------------------------------------------------------------------------------------------------
$ 3,500,000 TOTAL 9 BONDS
</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 12/28/95.
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 $.06. 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 $ 100.11 4.90 % 4.83% 4.90% 4.86% 4.93% 4.88% 4.95 %
500 / $50,000 99.96 4.75 4.84 4.91 4.87 4.93 4.89 4.95
1,000 / $100,000 99.70 4.50 4.85 4.93 4.88 4.96 4.90 4.98
2,500 / $250,000 99.44 4.25 4.86 4.94 4.90 4.97 4.92 4.99
5,000 / $500,000 98.66 3.50 4.90 5.00 4.94 5.03 4.96 5.05
10,000 / $1,000,000 98.15 3.00 4.93 5.03 4.96 5.06 4.98 5.08
25,000 / $2,500,000 97.65 2.50 4.95 5.07 4.99 5.10 5.01 5.12
50,000 / $5,000,000 97.15 2.00 4.98 5.11 5.01 5.14 5.03 5.16
</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
UNIT TRUST tax bracket)
RETURN 32.0% 35.0% 40.0% 43.5%
<C> <S> <C> <C> <C> <C>
4.83 % 7.10% 7.43% 8.05% 8.55%
4.84 7.12 7.45 8.07 8.57
4.85 7.13 7.46 8.08 8.58
4.86 7.15 7.48 8.10 8.60
4.90 7.21 7.54 8.17 8.67
4.93 7.25 7.58 8.22 8.73
4.95 7.28 7.62 8.25 8.76
4.98 7.32 7.66 8.30 8.81
</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
02/01/96.
<TABLE>
<CAPTION>
Annual
First Payment Payment Income
Payment Plan Date (per unit) (per unit)
<S> <C> <C> <C> <C>
Initial partial
payment (all
plans) 2/15/96 $ .4258
Monthly plan 3/15/96 .4029 $ 4.8376
Quarterly plan 5/15/96 1.2168
8/15/96 1.2168 4.8696
Semi-annual plan 5/15/96 1.2213
11/15/96 2.4426 4.8886
EXAMPLE OF HOW TO CALCULATE YOUR ESTIMATED INCOME:
$10,000 DIVIDED BY 100.17 = 99.830
investment offering price # of units
(as of and accrued purchased
12/28/95) interest
99.830 X $4.8376 = $482.94
# of units annual income annual income
purchased per unit
(monthly plan)
</TABLE>
