Certain of the Mortgage Loans provide for payment of Prepayment Penalties during specified periods beginning on the applicable lockout period end date or, if no lockout period applies, the applicable Issue Date. See "The Ginnie Mae Multifamily Certificates – Certain Additional Characteristics of the Mortgage Loans" and "Characteristics of the Ginnie Mae Multifamily Certificates and the Related Mortgage Loans" in, in the case of the Group 1 Securities, Exhibit A to  this  Supplement  and,  in  the  case  of  the  Group  2  Securities,  the  Updated  Exhibits  A  in Exhibit D to this Supplement. Prepayment Penalties received by the Trust will be allocated as described in this Supplement. Issuance of Securities: The Securities, other than the Residual Securities, will initially be issued in book-entry form through the book-entry system of the U.S. Federal Reserve Banks (the "Fedwire  Book-Entry  System").  The  Residual  Securities  will  be  issued  in  fully  registered, certificated form. See "Description of the Securities – Form of Securities" in this Supplement. Increased Minimum Denomination Class: Class IO. See  "Description of the Securities – Form of Securities" in this Supplement. Interest Rates: The Interest Rates for the Fixed Rate Classes are shown on the front cover of this Supplement. The Weighted Average Coupon Classes will bear interest at per annum Interest Rates based on  either  the  Weighted  Average  Certificate  Rate  of  the  Group  1  Ginnie  Mae  Multifamily Certificates ("Group 1 WACR") or the weighted average of the interest rates of the Underlying Group 2 Certificates ("Group 2 WACR") as follows: Class BC will bear interest during each Accrual Period at a per annum rate equal to the lesser of 3.000% and Group 1 WACR. Class BD will bear interest during each Accrual Period at a per annum rate equal to the lesser of 4.2260% and Group 1 WACR. Class C will bear interest during each Accrual Period at a per annum rate equal to the lesser of 5.134% and Group 1 WACR. Class D will bear interest during each Accrual Period at a per annum rate equal to the lesser of 5.320% and Group 1 WACR. Class E will bear interest during each Accrual Period at a per annum rate equal to the lesser of 5.242% and Group 1 WACR. Class F will bear interest during each Accrual Period at a per annum rate equal to the lesser of 5.369% and Group 1 WACR. Class Z will bear interest during each Accrual Period at a per annum rate equal to the lesser of 4.637% and Group 1 WACR. Class IO will bear interest during each Accrual Period at a per annum rate equal to the Group 1 WACR less the weighted average Interest Rate for that Accrual Period on Classes AB, AC, BC, BD, C, D, E, F and Z, weighted based on the Class Principal Balance of each such class on the related Distribution Date (before giving effect to any payments on such Distribution Date). Class MA will bear interest during each Accrual Period at a per annum rate equal to Group 2 WACR. Class  MB  will  bear  interest  during  each  Accrual  Period  at  a  per  annum  rate  equal  to Group 2 WACR. S-5