If the related Mortgage Loans prepay at rates that are generally below the Effective Range or Rate for any PAC or TAC Class, the amount available to pay principal on the Securities may be insufficient to produce Scheduled Payments on the related PAC and TAC Classes, if any, and its Weighted Average Life may be extended, perhaps significantly. If the related Mortgage Loans prepay at rates that are generally above the Effective Range or Rate  for any PAC  or TAC  Class, its supporting Classes may be retired earlier than that PAC  or TAC  Class, and the Weighted Average Life of the PAC  or TAC  Class or may be shortened, perhaps significantly. Assumability Each Mortgage Loan may be assumed, subject to HUD review and approval, upon the sale of the related Mortgaged Property. See "Yield, Maturity and Prepayment Considerations – Assumability of Government Loans" in the Base Offering Circular. Non-Sticky Jump Classes Classes  YA  and  ZB  have  been  designated  as  Non-Sticky  Jump  Classes  because  their principal distribution priorities will change temporarily ("jump") on any Distribution Date that the applicable trigger is met but will revert (not "stick") on any subsequent Distribution Date that the applicable trigger is not met.  See  "Terms  Sheet – Allocation  of  Principal"  in  this Supplement. The Weighted Average Life of a Non-Sticky Jump Class that jumps ahead in priority of principal  distributions  may  be  shortened,  perhaps  significantly.  Conversely,  the  Weighted Average Life of a Non-Sticky Jump Class that is jumped by another Class may be extended, perhaps  significantly.  The  yield  to  investors  may  be  less  than  anticipated  for  any  Class purchased at a premium if the Weighted Average Life is shortened and for any Class purchased at a discount if the Weighted Average Life is extended. The trigger event for the Non-Sticky Jump Classes is determined by reference to the Jump Balances, which were calculated as set forth under "Terms Sheet –   Jump  Balances" in this Supplement. The Sponsor may recalculate the Jump  Balances based upon the actual characteristics of the Group 1 Trust Assets delivered on the Closing Date, which may vary from the characteristics assumed  in  preparing  the  Jump  Balances  set  forth  in  Schedule  III  to  this  Supplement.  If recalculated,  the  Jump  Balances  will  reflect  the  aggregate  unpaid  principal  amount  of  the Group 1 Trust Assets, for each Distribution Date, assuming that the Mortgage Loans underlying the Group 1 Trust Assets prepay at a constant rate of approximately 301% PSA or 434% PSA, as applicable, and that each of the Mortgage Loans underlying the Group 1  Trust Assets has the same interest rate, remaining term to maturity and loan age as the weighted average mortgage rate,  weighted  average  remaining  term  to  maturity  and  weighted  average  loan  age  of  the Group 1 Trust Assets delivered on the Closing Date. If recalculated, the Jump Balances will be made available on e-Access shortly after the Closing Date. Final Distribution Date The Final Distribution Date for each Class, which is set forth on the inside cover page of this Supplement or on Schedule I to this Supplement, is the latest date on which the related Class Principal Balance or Class Notional Balance will be reduced to zero. •  The actual retirement of any Class may occur earlier than its Final Distribution Date. S-22