Base Offering Circular - Multifamily 482090 71 their terms. Guide.......................................... The Ginnie Mae Multiclass Securities Guide. Holder......................................... In the case of a Certificated Security, any person whose name appears on the books and records of the Registrar as the record holder of that Security; or, in the case of a Book- Entry Security, the entity acting as nominee for the Book- Entry Depository in holding that Security. Notwithstanding the foregoing, where used under “Certain Federal Income Tax Consequences” in the Offering Circular, the term “Holder” refers to Beneficial Owners of the Securities, regardless of whether the Beneficial Owner is also the registered Holder, except where the context indicates otherwise. HUD ........................................... The United States Department of Housing and Urban Development. Increased Minimum Denomination Class ................... Any Class designated as such in the Trust Agreement, each of which is to be offered and sold in higher minimum denominations than those of other Classes. Information Agent...................... The Chase Manhattan 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 and (b) make certain information about the Securities available to the public (by posting it on gREX) and forward that information to Ginnie Mae and the Holders as provided in the related Standard Trust Provisions and (c) keep and furnish to investors, upon request, copies of any Underlying REMIC Disclosure Documents and disclosure documents relating to any Underlying Callable Securities. Initial Redemption Date ............. The initial date upon which a Callable Class Security may be redeemed, as specified in the related Trust Agreement. 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 other than any related Accrual Amount. Interest Only Class ..................... A Class that (a) does not have a Class Principal Balance and is entitled to payments of interest only or (b) has only a nominal Class Principal Balance and a disproportionately