Base Offering Circular - Multifamily 482090 9 rate, on three-month or six-month U.S. Treasury bills that is available on the Treasury Public Affairs Information Line, an automated telephone system. The Statistical Release No. H.15 (519) is published by the Federal Reserve on Monday or Tuesday of each week. Investors can order it from the Publications Department at the Board of Governors of the Federal Reserve System, 21st and C Streets, N.W., M.S. 138, Washington, D.C. 20551. The Trustee will consider a new value for the Treasury Index to have been available on the day following the date that Statistical Release No. H.15 (519) is released by the Federal Reserve Board or the Public Debt News is placed on the Treasury Public Affairs Public Information Line and available to the public. The applicable auction average (investment) yield for a given week is the yield resulting from the auction of three-month or six-month U.S. Treasury bills held the preceding week. The weekly average yield reflects the average yields of the five calendar days ending on Friday of the previous week. Yields on Treasury securities at “constant maturity” are estimated from the Treasury’s daily yield curve. This curve, which relates the yield on a security to its time to maturity, is based on the closing market bid yields on actively traded Treasury securities in the over-the-counter market. These market yields are calculated from composites of quotations reported by five leading U.S. Government securities dealers to the Federal Reserve Bank of New York. This method permits estimation of the yield for a given maturity even if no security with that exact maturity is outstanding. In the event that the applicable Treasury Index becomes unavailable, the Trustee (or its agent) will designate a new index, approved by Ginnie Mae, based upon comparable information and methodology. The Trustee will select a particular index as the alternative index only if it receives an Opinion of Counsel that the selection of the alternative index will not cause the related Trust REMIC or Trust REMICs to lose their status as REMICs for federal income tax purposes. If at any time after the applicable Treasury Index becomes unavailable it again becomes available, the Interest Rates for the related Treasury Index Classes for each subsequent Accrual Period will be calculated by reference to the applicable Treasury Index. Determination of the Prime Rate Unless otherwise provided in the applicable Offering Circular Supplement, on each Floating Rate Adjustment Date, the Trustee (or its agent) will calculate the Interest Rates of Prime Rate Classes for the next Accrual Period by reference to the rate published as the “Prime Rate” in the “Money Rates” section or other comparable section of The Wall Street Journal on that Floating Rate Adjustment Date.  If The Wall Street Journal publishes a prime rate range, then the average of that range, as determined by the Trustee, will be the Prime Rate. In the event The Wall Street Journal no longer publishes a “Prime Rate” entry, the Trustee (or its agent) will designate a new methodology for determining the Prime Rate based on comparable data. The Trustee (or its agent) will select a particular methodology as the alternative methodology only if it receives an Opinion of Counsel that the selection of that methodology will not cause the related Trust REMIC or Trust REMICs to lose their status as REMICs for federal income tax purposes.