Vena Marilyn Wofford - Page 8

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          $16,424.58 withheld as territory repayments in the following                 
          amounts:                                                                     
               Month          Base 5H5     Base 513     Base 5W1                       

               December 1988 $1,074.58         --          -0-                         
               January 1989   1,950.00         --          -0-                         
               February 1989  2,200.00         --          -0-                         
               March 1989     0.00         --           --                             
               April 1989     0.00         --           --                             
               May 1989       1,400.00*        --          -0-                         
               June 1989      1,400.00*        --          -0-                         
               July 1989      1,400.00*       -0-           --                         
               August 1989    1,400.00*       -0-          -0-                         
               September 1989      --   $1,500.00        --                            
               October 1989        --        1,500.00        --                        
               November 1989      --         1,200.00        --                        
               Totals     $10,824.58     $4,200.00       -0-                           
               * Created a deficit commission balance that was carried                 
               forward into subsequent month(s).                                       
          Petitioner received commission payments from the aggregate due on            
          the bases; therefore, a deficit commission balance for one base              
          was offset against net commissions payable from the other bases.             
          Territory repayments of $16,800 and $19,000 were withheld from               
          petitioner's monthly commission statements in 1990 and 1991,                 
          respectively.  Petitioner presently has approximately $36,000 a              
          year withheld from her commissions as territory repayments.  At              
          this rate, she is scheduled to complete the territory repayments             
          approximately 17 years from 1988.                                            
               Mr. Rigney estimated that generally the turnover rate of a              
          customer base, that is the number of years after which no repeat             
          business is generated from a base, ranged from 5 to 11 years                 
          after a buy-sell is completed.  From her experience as a branch              




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