Base Offering Circular – Multifamily 72 Holder........................................  Any person whose name appears on the books and records of the Registrar as the record holder of a Security.  Notwithstanding the foregoing, where used under “Certain Federal Income Tax Consequences” in the Offering Circular, the term “Holder” refers to “Beneficial Owners” of Securities, regardless of whether the Beneficial Owner is also the registered Holder, except where the context requires otherwise. HUD ..........................................  The United States Department of Housing and Urban Development. Increased Minimum Denomination Class .................. A Class designated as such in the Trust Agreement or MX Trust Agreement, if applicable, which is to be offered and sold in higher minimum denominations than $1,000. Information Agent.....................  JPMorgan Chase Bank or another Person designated by Ginnie Mae, that will, among other things, (a) provide information about the factors on the Trust Assets to the Trustee of the Trust that owns those Trust Assets, (b) make certain information about the Securities available to the public (by posting it on e-Access) and forward that information to Ginnie Mae and the Holders as provided in the Standard Trust Provisions and (c) keep and furnish to investors, upon request, copies of any Underlying Certificate Disclosure Documents and disclosure documents relating to any Underlying Callable Securities. Interest Distribution Amount ....  With respect to each Series (or, if the Series is segregated into Security Groups, each Security Group) and each Distribution Date, the aggregate interest accrued at the Interest Rate of each related Class for the applicable Accrual Period excluding any related Accrual Amount. Interest Only Class ....................  A Class that (a) does not have a Class Principal Balance (other than a Class Notional Balance) and is entitled to payments of interest only or (b) has only a nominal Class Principal Balance and a disproportionately high Interest Rate. Interest Only Security ...............  A Security of an Interest Only Class. Interest Rate ..............................  As of any date of determination and with respect to each Class or Pooling REMIC Interest, the annual interest rate on that Class or Pooling REMIC Interest as determined in accordance with the related Trust Agreement or MX Trust Agreement, as applicable. Interest Type..............................  With respect to a Security, the category of its interest payment allocation, as identified in Appendix I of the Multifamily Base Offering Circular.