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 CB, CD, CV, CW, CZ, DA, DB and DC (in the aggregate).... 125% PSA through 300% PSA JA, YA and YZ (in the aggregate) ................................................ 198% PSA through 300% PSA JA .......................................................................................................... 180% PSA through 288% PSA⁽¹⁾ PA, PF and PZ (in the aggregate) ................................................ 170% PSA through 325% PSA⁽²⁾ LA, LB, LC and LD (in the aggregate) ........................................ 125% PSA through 300% PSA YV  ........................................................................................................ 280% PSA NB, NC, ND, NG and NH (in the aggregate)............................ 95% PSA through 230% PSA ⁽¹⁾Class JA was structured using an assumed Structuring Range of 180% PSA through 288% PSA, but it has no Effective Range. ⁽²⁾Classes PA, PF and PZ (in the aggregate) were structured using an assumed Structuring Range of 170% PSA through 325% PSA, but their initial Effective Range is 144% PSA through 324% PSA. Jump Balances: The 301% PSA Group 1 Balances, 434% PSA Group 1 Balances, 301% PSA Segment 1 Balances and 321% PSA Segment 1 Balances (together, the "Jump Balances") are included  in  Schedule  III  to  this  Supplement.  The  Jump  Balances  were  calculated  using Structuring  Rates  of  301%  PSA,  321%  PSA  and  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." Notional Classes: The Notional Classes will not receive distributions of principal but have Class  Notional  Balances  for  convenience  in  describing  their  entitlements  to  interest.  The B-145