For  information  regarding  the  manner  in  which  the  Trustee  determines  LIBOR  and calculates  the  Interest  Rates  for  the  Floating  Rate  and  Inverse  Floating  Rate  Classes,  see "Description of the Securities – Interest Rate Indices – Determination of LIBOR" in the Base Offering Circular. The Trustee's determination of LIBOR and its calculation of the Interest Rates will be final, except in the case of clear error. Investors can obtain LIBOR levels and Interest Rates for the current and preceding Accrual Periods from e-Access or by calling the Information Agent at (800) 234-GNMA. Accrual Classes Each of Class WZ, ZB, ZN and ZW is an Accrual Class. Interest will accrue on the Accrual Classes   and  be  distributed  as  described  under  "Terms  Sheet – Accrual  Classes"  in  this Supplement. Principal Distributions The Principal Distribution Amount or Adjusted  Principal Distribution Amount for each Group and the WZ, ZB, ZN and ZW Accrual Amounts will be distributed to the Holders entitled thereto  as  described  under  "Terms  Sheet – Allocation  of  Principal"  in  this  Supplement. Investors can calculate the amount of principal to be distributed with respect to any Distribu- tion  Date  by  using  the  Class  Factors  published  in  the  preceding  and  current  months.  See "– Class Factors" below. Categories of Classes For purposes of principal distributions, the Classes will be categorized as shown under "Principal  Type"  on  the  inside  cover  page  of  this  Supplement  and  on  Schedule  I  to  this Supplement. The abbreviations used on the inside cover page,  in the Terms Sheet  and on Schedule I to this Supplement  are explained under "Class Types" in Appendix I to the Base Offering Circular. Notional Classes The Notional Classes will not receive principal distributions. For convenience in describ- ing interest distributions, the Notional Classes  will have the original Class Notional Balances shown on the inside cover page of this Supplement and on Schedule I to this Supplement. The Class Notional Balances will be reduced as shown under "Terms Sheet – Notional Classes" in this Supplement. Residual Securities The Class RR Securities will represent the beneficial ownership of the Residual Interest in the Issuing REMIC and the beneficial ownership of the Residual Interest in the Pooling REMIC, as described under "Certain Federal Income Tax Consequences" in the Base Offering Circular. The  Class  RR  Securities  have  no  Class  Principal  Balance  and  do  not  accrue  interest.  The Class RR  Securities will be entitled to receive the proceeds of the disposition of any assets remaining  in  the  Trust  REMICs  after  the  Class  Principal  Balance  of  each  Class  of  Regular Securities has been reduced to zero. However, any remaining proceeds are not likely to be significant. The Residual Securities may not be transferred to a Plan Investor, a Non-U.S. Person or a Disqualified Organization. S-17