New York, July 13, 2016 -- Moody's Investors Service, ("Moody's") at the request of FMSbonds, Inc., has reviewed the proposed amendment dated as of July 14, 2016 (the Amendment) to the Series Trust Agreements relating to Puttable Floating Rate Receipts, Series 2016-ZF0315, Series 2016-ZF0317 and Series 2016-ZF0318. The Amendments, which extend the Designated Termination Dates, will not have an adverse effect on the credit quality of the certificates and therefore will not, in and of itself and as of this time, result in reduction or withdrawal of Moody's rating. Moody's does not express an opinion as to whether the amendment could have other, non credit-related effects.

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