current and preceding Accrual Periods from Ginnie Mae's Multiclass Securities e-Access located on Ginnie Mae's website ("e-Access") or by calling the Information Agent at (800) 234-GNMA. Principal Distributions The Principal Distribution Amount or the Adjusted Principal Distribution Amount for each Group, as applicable, will be distributed to the Holders entitled thereto as described under "Terms  Sheet – Allocation  of  Principal"  in  this  Supplement.  Investors  can  calculate  the amount of principal to be distributed with respect to any Distribution Date by using the Class Factors published in the preceding and current months. See "– Class Factors" below. Categories of Classes For purposes of principal distributions, the Classes will be categorized as shown under "Principal Type" on the front cover of this Supplement and on Schedule I to this Supplement. The  abbreviations  used  on  the  front  cover,  in  the  Terms  Sheet  and  on  Schedule  I  to  this Supplement are explained under "Class Types" in Appendix I to the Base Offering Circular. Notional Classes The Notional Classes will not receive principal distributions. For convenience in describ- ing interest distributions, the Notional Classes  will have the original Class Notional Balances shown  on  the  front  cover  of  this  Supplement  and  on  Schedule  I  to  this  Supplement.  The Class Notional Balances will be reduced as shown under "Terms Sheet – Notional Classes" in this Supplement. Residual Securities The Class RR Securities will represent the beneficial ownership of the Residual Interest in the Issuing REMIC and the beneficial ownership of the Residual Interest in the Pooling REMIC, as described under "Certain Federal Income Tax Consequences" in the Base Offering Circular. The Class RR Securities have no Class Principal Balance and do not accrue interest. The Class RR Securities will be entitled to receive the proceeds of the disposition of any assets remaining in the Trust REMICs  after the Class Principal Balance of each Class of Regular Securities has been reduced to zero. However, any remaining proceeds are not likely to be significant. The Residual Securities may not be transferred to a Plan Investor, a Non-U.S. Person or a Disquali- fied Organization. Class Factors The Trustee will calculate and make available for each Class of Securities, no later than the day preceding the applicable Distribution Date, the factor (carried out to eight decimal places) that  when  multiplied  by  the  Original  Class  Principal  Balance  (or  original  Class  Notional Balance) of that Class, determines the Class Principal Balance (or Class Notional Balance) after giving effect to the distribution of principal to be made on the Securities or any reduction of Class Notional Balance on that Distribution Date (each, a "Class Factor"). •   The Class Factor for any Class of Securities for the month following the issuance of the Securities will reflect its remaining Class Principal Balance (or Class Notional Balance) after giving effect to any principal distribution to be made or any reduction of Class No- tional Balance on the Distribution Date occurring in that month. •   The Class Factor for each Class for the month of issuance is 1.00000000. S-13