ties Interest Weighted Securities and Non-VRDI Securities" in the Base Offering Circular.
Although the tax treatment of Interest Weighted Securities is not entirely certain, Holders of the
Interest Weighted Securities should expect to accrue all income on these Securities (other than
income attributable to market discount or de minimis market discount) under the OID rules
based on the expected payments on these Securities at the prepayment assumption described
below.
In addition to the Regular Securities described in the preceding two paragraphs, based on
anticipated prices (including accrued interest), the assumed Mortgage Loan characteristics, the
prepayment assumption described below and, in the case of the Class FA, FB and FC Securities
Classes, the constant LIBOR value described below, Class PA is expected to be issued with OID.
Prospective investors in the Regular Securities should be aware, however, that the forego-
ing expectations about OID could change because of differences (1) between anticipated
purchase prices and actual purchase prices or (2) between the assumed characteristics of the
Trust Assets and the characteristics of the Trust Assets actually delivered to the Trust. The
prepayment assumption that should be used in determining the rates of accrual of OID, if any,
on the Regular Securities (as described in "Yield, Maturity and Prepayment Considerations" in
this Supplement) is as follows:
Group
PSA
1
270%
2
250%
In the case of the Classes FA, FB and FC, the constant value of LIBOR to be used for these
determinations is 5.2375%. No representation is made, however, about the rate at which
prepayments on the Mortgage Loans underlying any Group of Trust Assets actually will occur or
the level of LIBOR at any time after the date of this Supplement. See "Certain Federal Income
Tax Consequences" in the Base Offering Circular.
The Regular Securities generally will be treated as "regular interests" in a REMIC for
domestic building and loan associations and "real estate assets" for real estate investment trusts
("REITs") as described in "Certain Federal Income Tax Consequences" in the Base Offering
Circular. Similarly, interest on the Regular Securities will be considered "interest on obliga-
tions secured by mortgages on real property" for REITs.
Residual Securities
The Class RR Securities will represent the beneficial ownership of the Residual Interest in
the Pooling REMIC and the beneficial ownership of the Residual Interest in the Issuing REMIC.
The Residual Securities, i.e., the Class RR Securities, generally will be treated as "residual
interests" in a REMIC for domestic building and loan associations and as "real estate assets" for
REITs, as described in "Certain Federal Income Tax Consequences" in the Base Offering
Circular, but will not be treated as debt for federal income tax purposes. Instead, the Holders of
the Residual Securities will be required to report, and will be taxed on, their pro rata shares of
the taxable income or loss of the Trust REMICs, and these requirements will continue until
there are no outstanding regular interests in the respective Trust REMICs. Thus, Residual
Holders will have taxable income attributable to the Residual Securities even though they will
not receive principal or interest distributions with respect to the Residual Securities, which
could result in a negative after-tax return for the Residual Holders. Even though the Holders of
the Class RR Securities are not entitled to any stated principal or interest payments on the
Class RR Securities, the Trust REMICs may have substantial taxable income in certain periods,
and offsetting tax losses may not occur until much later periods. Accordingly, a Holder of the
Class RR Securities may experience substantial adverse tax timing consequences. Prospective
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