The Underlying Certificates (Groups 2 and 3) The Group 2 and Group 3 Trust Assets are Underlying Certificates that represent beneficial ownership  interests  in  one  or  more  separate  trusts,  the  assets  of  which  evidence  direct  or indirect  beneficial  ownership  interests  in  certain  Ginnie  Mae  Certificates.  Each  Underlying Certificate constitutes all or a portion of a class of a separate Series of certificates described in the related Underlying Certificate Disclosure Document, excerpts of which are attached as Exhibit  B  to  this  Supplement.  Each  Underlying  Certificate  Disclosure  Document  may  be obtained  from  the  Information  Agent  as  described  under  "Available  Information"  in  this Supplement. Investors are cautioned that material changes in facts and circumstances may have occurred  since  the  date  of  each  Underlying  Certificate  Disclosure  Document,  including changes in prepayment rates, prevailing interest rates and other economic factors, which may limit  the  usefulness  of,  and  be  directly  contrary  to  the  assumptions  used  in  preparing  the information  included  in,  the  offering  document.  See  "Underlying  Certificates"  in  the  Base Offering Circular. Each Underlying Certificate provides for monthly distributions and is further described in the table contained in Exhibit A to this Supplement. The table also sets forth information regarding approximate weighted average remaining terms to maturity, loan ages and mortgage rates of the Mortgage Loans underlying the related Ginnie Mae Certificates. The Mortgage Loans The  Mortgage  Loans  underlying  the  Group  1  Trust  Assets  are  expected  to  have,  on  a weighted  average  basis,  the  characteristics  set  forth  in  the  Terms  Sheet  under  "Assumed Characteristics of the Mortgage Loans Underlying the Group  1 Trust Assets" and the general characteristics described in the Base Offering Circular. The Mortgage Loans underlying the Underlying Certificates are expected to have, on a weighted average basis, the characteristics set forth in Exhibit A to this Supplement.  The Mortgage Loans will consist of first lien, single- family, fixed rate, residential mortgage loans that are insured or guaranteed by the Federal Housing Administration, the United States Department of Veterans Affairs, the Rural Housing Service or the United States Department of Housing and Urban Development ("HUD"). See "The Ginnie Mae Certificates – General" in the Base Offering Circular. Specific information regarding the characteristics of the Mortgage Loans underlying the Trust MBS is not available. For purposes of this Supplement, certain assumptions have been made regarding the remaining terms to maturity, loan ages and Mortgage Rates of the Mortgage Loans. However, the actual remaining terms to maturity, loan ages and Mortgage Rates of many of the Mortgage Loans will differ from the characteristics assumed, perhaps significantly. This will be the case even if the weighted average characteristics of the Mortgage Loans are the same as the assumed characteristics. Small differences in the characteristics of the Mortgage Loans can have a significant effect on the weighted average lives and yields of the Securities. See "Risk Factors" and "Yield, Maturity and Prepayment Considerations" in this Supplement. The Trustee Fee On each Distribution Date, the Trustee will retain a fixed percentage of all principal and interest distributions received on specified Trust Assets in payment of its fee. S-10