AVAILABLE INFORMATION You should purchase the securities only if you have read and understood the following documents: •   this Offering Circular Supplement (this "Supplement"), •   the Base Offering Circular and •   in the case of the Group 2, 6 and 7 securities, each disclosure document relating to the Underlying Certificates (the "Underlying Certificate Disclosure Documents"). The  Base  Offering  Circular  and  the  Underlying  Certificate  Disclosure  Documents  are available on Ginnie Mae's website located at http://www.ginniemae.gov. If you do not have access to the internet, call The Bank of New York, which will act as information agent for the Trust, at (800) 234-GNMA, to order copies of the Base Offering Circular. In addition, you can obtain copies of any other document listed above by contacting The Bank of New York, at the telephone number listed above. Please consult the standard abbreviations of Class Types included in the Base Offering Circular as Appendix I and the Glossary included in the Base Offering Circular as Appendix II for definitions of capitalized terms. TABLE OF CONTENTS Page Terms Sheet .......................................... S-3 Risk Factors  .......................................... S-10 The Trust Assets  .................................. S-12 Ginnie Mae Guaranty .......................... S-13 Description of the Securities ............ S-14 Yield, Maturity and Prepayment Considerations .................................. S-18 Certain Federal Income Tax Consequences  .................................. S-40 ERISA Matters........................................ S-43 Legal Investment Considerations  .... S-43 Page Plan of Distribution  ............................ S-44 Increase in Size .................................... S-44 Legal Matters  ........................................ S-44 Schedule I: Available Combinations S-I-1 Schedule II: Scheduled Principal Balances.............................................. S-II-1 Exhibit A: Underlying Certificates.... A-1 Exhibit B: Cover Pages and Terms Sheets from Underlying Certificate Disclosure Documents B-1 S-2