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 Classes: Classes XA and XB. 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 inside cover page of this Supplement. The Weighted Average Coupon Classes will bear interest at per annum Interest Rates based on the Weighted Average Certificate Rate of the Ginnie Mae Multifamily Certificates (hereinaf- ter referred to as "WACR") as follows: Class D will bear interest during each Accrual Period at a per annum rate equal to the lesser of WACR and 4.927%. Class E will bear interest during each Accrual Period at a per annum rate equal to the lesser of WACR and 5.301%. Class F will bear interest during each Accrual Period at a per annum rate equal to the lesser of WACR and 5.191%. Class G will bear interest during each Accrual Period at a per annum rate equal to the lesser of WACR and 5.499%. Class XA will bear interest during each Accrual Period at a rate per annum determined as follows: (a)  from and including the August 2003 Accrual Period through and including the July 2004 Accrual Period, the rate per annum equal to WACR less the weighted average of the following rates: (i) for the First Class A Notional Contribution and Classes B, C, D, E, F and G, the lesser of WACR and the applicable interest rate from the Interest Rate Schedule for that Accrual Period and (ii) for the Class A Principal Balance less the First Class A Notional Contribution, the Class A Interest Rate, with each such interest rate weighted based on the Class Principal Balance (or portion thereof) or Class No- tional Contribution, as applicable, of each such Class for the related Distribution Date (before giving effect to any payments on such Distribution Date); (b)  from and including the August 2004 Accrual Period through and including the July 2005 Accrual Period, the rate per annum equal to WACR less the weighted average of the following rates: (i) for the Second Class A Notional Contribution and Classes B, C, D, E, F and G, the lesser of WACR and the applicable interest rate from the Interest Rate Schedule for that Accrual Period and (ii) for the Class A Principal Balance less the Second Class A Notional Contribution, the Class A Interest Rate, with each such interest rate weighted based on the Class Principal Balance (or portion thereof) or Class Notional Contribution, as applicable, of each such Class for the related Distribu- tion Date (before giving effect to any payments on such Distribution Date); (c)  from and including the August 2005 Accrual Period through and including the July 2006 Accrual Period, the rate per annum equal to WACR less the weighted average of the following rates: (i) for the First Class B Notional Contribution, the First Class C Notional  Contribution  and  Classes  D,  E,  F  and  G,  the  lesser  of  WACR  and  the applicable interest rate from the Interest Rate Schedule for that Accrual Period and (ii) for (x) Class A, (y) the Class B Principal Balance less the First Class B Notional C-12