Base Offering Circular – Multifamily 81 Principal Only Class..................  A Class with a fixed Interest Rate of zero. Principal Only Security.............  A Security of a Principal Only Class. Principal Type ...........................  With respect to a Security, the category of its principal allocation, as identified in Appendix I of the Multifamily Base Offering Circular. Program Legal Advisor.............  A law firm designated by Ginnie Mae to act as legal advisor to Ginnie Mae in connection with the Ginnie Mae Multiclass Securities Program.  The name and address of the current Program Legal Advisor are contained in the Ginnie Mae REMIC Guide in the document entitled “Ginnie Mae REMIC Transaction Participants.” Record Date...............................  For each Security with respect to each Distribution Date, unless otherwise specified in the related Trust Agreement or MX Trust Agreement, if applicable, the last Business Day of the month immediately preceding the month in which that Distribution Date occurs. Reference Banks........................  The four leading banks engaged in transactions in Eurodollar deposits in the international Eurocurrency market (a) with an established place of business in London, (b) whose quotations appear on the Reuters Screen LIBO Page on the Floating Rate Adjustment Date in question and (c) which have been designated as such by the Trustee and are able and willing to provide those quotations to the Trustee on each Floating Rate Adjustment Date. If any Reference Bank designated by the Trustee should be removed from the Reuters Screen LIBO Page or in any other way fails to meet the qualifications of a Reference Bank, the Trustee may, in its sole discretion, designate an alternative Reference Bank. Register .....................................  The register maintained by the Registrar for the Holders with respect to each Trust and MX Trust. Registrar ....................................  With respect to each Series, the Trustee or any successor registrar appointed pursuant to the related Trust Agreement and MX Trust Agreement, as applicable. Regular Class ............................  A Class of Regular Securities. Regular Holder..........................  A Holder of a Regular Security.