The scope of such information is limited, however, and accordingly, at a time when you might be buying or selling your securities, you may not be aware of matters that, if known, would affect the value of your securities. FHA has authority to override lockouts and prepayment limitations. FHA insur- ance and certain mortgage loan and trust provisions may affect lockouts and the right to receive prepayment penalties. FHA may override any lockout or prepayment penalty provision with respect to FHA-insured Mort- gage Loans if it determines that it is in the best interest of the federal government to allow the mortgagor to refinance or to prepay in part its mortgage loan. Holders entitled to prepayment penalties may not receive them. Prepayment penal- ties received by the trustee will be distrib- uted to Class IO or Class MA, as applicable, as further described in this Supplement. Gin- nie Mae, however, does not guarantee that mortgagors will in fact pay any prepayment penalties or that such prepayment penalties will be received by the trustee. Accordingly, holders of the classes entitled to receive prepayment penalties will receive them only to the extent that the trustee receives them. Moreover, even if the trustee distributes pre- payment penalties to the holders of that class, the additional amounts may not offset the reduction in yield caused by the corre- sponding prepayments. The rate of principal payments on the un- derlying certificates will directly affect the rate of principal payments on the group 2 securities. The underlying certificates will be sensitive in varying degrees to •   the rate of payments of principal (in- cluding prepayments) of the related mortgage loans, and •   the priorities for the distribution of principal among the classes of the un- derlying series. Prepayments on the related mortgage loans may have occurred at rates faster or slower than those initially assumed. This supple- ment contains no information as to whether the underlying certificates have performed as originally anticipated. The Updated Exhib- its A in Exhibit D, however, contain certain information regarding the related mortgage loans as of the cut-off date. The securities may not be a suitable invest- ment for you. The securities, especially the group 2 securities and, in particular, the interest only, accrual and residual classes, are not suitable investments for all investors. Only "accredited investors," as defined in Rule 501(a) of Regulation D of the Securi- ties Act of 1933, who have substantial experi- ence in mortgage-backed securities and are capable of understanding the risks should invest in the securities. In addition, although the sponsor intends to make a market for the purchase and sale of the securities after their initial issuance, it has no obligation to do so. There is no assur- ance that a secondary market will develop, that any secondary market will continue, or that the price at which you can sell an invest- ment in any class will enable you to realize a desired yield on that investment. You will bear the market risks of your invest- ment. The market values of the classes are likely to fluctuate. These fluctuations may be significant and could result in significant losses to you. The secondary markets for mortgage-related securities have experienced periods of illi- quidity and can be expected to do so in the future. Illiquidity can have a severely adverse effect on the prices of classes that are espe- cially sensitive to prepayment or interest rate risk or that have been structured to meet the investment requirements of limited catego- ries of investors. The residual securities may experience sig- nificant adverse tax timing consequences. Ac- cordingly,  you  are  urged  to  consult  tax advisors and to consider the after-tax effect of ownership of a residual security and the suit- ability of the residual securities to your in- vestment objectives. See "Certain Federal Income Tax Consequences" in this Supple- S-11