EFTA00151384.txt

"The Note shows that I owe Lender Nine Million Forty Five Thousand Dollars (U.S. $9,045,000.00)"

"secure Borrower's Adjustable Rate Note (the "Note") to Citibank, NA. ("Lender")"

"covering the property described in the Security Instrument and located at: NEW YORK, NY 10066-7007"

"I give MERS (solely as nominee for Lender and Lender's successors and assigns) rights In the Property"

"The amounts that I pay to Lender for Escrow Items under this Section 3 will be called "Escrow Funds.""

"I promise that: (A) I lawfully own the Property"

"Borrower... whose address is Unit MISA New York... I mortgage, grant and convey the Property to MERS"

"MERS Is a separate corporation that is acting solely as a nominee for Lender"

"I will pay the premiums for the Mortgage Insurance"

"amounts unpaid under the Note and this Security Instrument... Lender may use the Insurance Proceeds... to pay amounts unpaid"

"I pay to Lender the full amount that then would be due under this Security Instrument and the Note"

"to secure Borrower's Adjustable Rate Note (the "Note") to Citibank, NA. ("Lender") ... covering the property described in the Security Instrument"

"I give MERS (solely as nominee for Lender and Lender's successors and assigns) rights In the Property"

"Lender's security given in this Security Instrument Is not lessened"

"Before the effective date of any change in my interest rate and/or monthly payment, the Note Holder will deliver or mail to me a notice... Citibank 3."

"I will occupy the Property and use the Property as my principal residence within 60 days after I sign this Security Instrument"

"I will pay all taxes, assessments, water charges, sewer rents and other similar charges, and any other charges and fines that may be imposed on the Pr"

"I may request the Federal Emergency Management Agency to review the flood zone determination"

"If I do not own, but am a tenant on the Property"

"I will not do anything affecting the Property that violates Environmental Law"

"given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to Citibank, NA. ("Lender")"

"Security Instrument covers real property improved, or to be improved, by a one or two family dwelling only."

"Lender may make payments for the repairs and restorations... Unless Lender and I agree otherwise in writing"

"The entity that collects the Periodic Payments and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Ap"