Scheduled Principal Balances: The Scheduled Principal Balances or Aggregate Scheduled
Principal Balances for the Classes listed below are included in Schedule II to this Supplement.
They were calculated using, among other things, the following Structuring Ranges or Rate:
Class
Structuring Ranges or Rate
DA, DB, DC, DE, DG, HA and HB (in the aggregate) ..............
125% PSA through 300% PSA
YA ............................................................................................................
198% PSA through 300% PSA(1)
EP, PA and PB (in the aggregate)....................................................
99% PSA through 250% PSA
JA, JB and JC (in the aggregate) ......................................................
120% PSA through 200% PSA
WA and WZ (in the aggregate) ........................................................
355% PSA through 600% PSA
EN and NB (in the aggregate)..........................................................
290% PSA through 530% PSA
ZN ............................................................................................................
530% PSA
(1)Class YA was structured using an assumed Structuring Range of 198% PSA through 300%
PSA, but its initial Effective Range is 180% PSA through 288% PSA.
Jump Balances: The 301% PSA and 434% PSA Balances (together, the "Jump Balances") are
included in Schedule III to this Supplement. The Jump Balances were calculated using a
Structuring Rate of 301% PSA or 434% PSA, as applicable, and the assumed characteristics of the
related Trust MBS to be delivered on the Closing Date. The actual characteristics of the related
Trust MBS may vary from the characteristics assumed in preparing the Jump Balances included
in Schedule III to this Supplement and, if so, the Sponsor may recalculate such balances. The
Sponsor will make them available on Ginnie Mae's Multiclass Securities e-Access located on
Ginnie Mae's website ("e-Access") shortly after the Closing Date.
Accrual Classes: Interest will accrue on each Accrual Class identified on the inside front cover
of this Supplement at the per annum rate set forth on that page. However, no interest will be
distributed to the Accrual Classes as interest. Interest so accrued on each Accrual Class on each
Distribution Date will constitute an Accrual Amount, which will be added to the Class Principal
Balance of that Class on each Distribution Date and will be distributable as principal as set forth
in this Terms Sheet under "Allocation of Principal."
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