Accrual Classes:  Interest will accrue on each Accrual Class identified on the front cover of this Supplement at the per annum rate set forth on that page or in this Terms Sheet under "Interest Rates". However, no interest will be distributed to the Accrual Classes as interest. Interest so accrued on each Accrual Class on each Distribution Date will constitute an Accrual Amount, which will be added to the Class Principal Balance of that Class on each Distribution Date and will  be  distributable  as  principal  as  set  forth  in  this  Terms  Sheet  under  "Allocation  of Principal." Notional Classes:  The Notional Classes will not receive distributions of principal but have Class Notional Balances for convenience in describing their entitlements to interest. The Class Notional Balance of each Notional Class represents the percentage indicated below of, and reduces to that extent with, the Class Principal Balances indicated: Class Original Class Notional Balance Represents Approximately FI...................................... $  99,887,577 100% of FH (PT Class) QA.................................... 160,368,663 123.1827695818% of FH, FJ and FX (PT Classes) SI...................................... 110,885,501 100% of PF (PAC I/AD Class) Tax Status:  Double REMIC Series. See "Certain Federal Income Tax Consequences" in this Supplement and in the Base Offering Circular. Regular and Residual Classes:  Class RR is a Residual Class and includes the Residual Interest of the Issuing REMIC and the Pooling REMIC; all other Classes of REMIC Securities are Regular Classes. S-6