Base Offering Circular – Multifamily 23 In addition, the Sponsor may utilize other prepayment assumption models described in the related Offering Circular Supplement to illustrate the effects of voluntary or involuntary mortgage prepayments on the weighted average lives of the Securities. The Offering Circular Supplement for each Series will contain a table setting forth (i) the weighted average life of each related Class of Securities and (ii) the percentage of the initial Class Principal Balance of each related Class of Securities that would be outstanding on specified Distribution Dates for the related Series, in each case, based on the assumption that prepayments on the related Mortgage Loans are made at specified constant rates and based on such other assumptions as may be specified in such Offering Circular Supplement.  The actual final distribution on each Class is likely to be made earlier, and could be made significantly earlier, than its Final Distribution Date because the rate of distributions on the Securities of the related Series will be affected by the actual rate of payment (including prepayments) of principal on the related Mortgage Loans.  However, there can be no assurance that the final distribution of principal of any Class will be earlier than the Final Distribution Date specified for such Class in the related Offering Circular Supplement. No representation is made about the anticipated rate of prepayments or foreclosures on the Mortgage Loans underlying the Trust Assets or about the anticipated yield to maturity of any Class of Securities. Investors are urged to base their decisions whether to invest in any Class of Securities upon a comparison of desired yield to maturity with the yield to maturity that would result based on the price that the investor pays for the Securities and upon the investor’s own determinations about anticipated rates of prepayments, foreclosures, substitutions and cash payments by the Sponsor with respect to the Mortgage Loans. THE TRUSTS Certain Policies of the Trusts No Trust Agreement will authorize a Trust to engage in any activities other than the issuance of the related Securities (or Pooling REMIC Interests) and the purchase, servicing and disposition of the related Trust Assets and certain related activities.  Each Trust Agreement may be amended only as set forth below under “— Amendment.” Amendment Subject to the limitations set forth below, the Sponsor and the Trustee (with Ginnie Mae’s consent) may amend any Trust Agreement for any purpose, without the consent of any Holder, provided the Trustee receives an Opinion of Counsel to the effect that the proposed amendment will not result in a significant risk that any related Trust REMIC will lose its status as a REMIC.  For that purpose, a significant risk is a risk that would have prevented counsel from giving an unqualified opinion with respect to the REMIC status of any related Trust REMIC had such amendment been an original term of the Trust Agreement.  The Sponsor and the Trustee may not amend any Trust Agreement, however, if the effect of that amendment would be to alter the timing or amount of any required distribution of principal or interest (including distributions made pursuant to the Ginnie Mae Guaranty) or any Prepayment Penalty