SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K


                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported): February 15, 2000
                      ------------------------------------


                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                       CITIBANK CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Citibank Credit Card Master Trust I
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       8.25% Class A Credit Card Participation Certificates, Series 1994-4
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
       8.45% Class B Credit Card Participation Certificates, Series 1995-1
       7.85% Class A Credit Card Participation Certificates, Series 1995-3
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
    Zero Coupon Class A Credit Card Participation Certificates, Series 1996-1
    Zero Coupon Class B Credit Card Participation Certificates, Series 1996-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-6

                                                       (cover page 1 of 2 pages)
                                       1
<PAGE>

       6.55% Class A Credit Card Participation Certificates, Series 1997-2
       6.70% Class B Credit Card Participation Certificates, Series 1997-2
      6.839% Class A Credit Card Participation Certificates, Series 1997-3
      6.989% Class B Credit Card Participation Certificates, Series 1997-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-4
   Floating Rate Class B Credit Card Participation Certificates, Series 1997-4
    Zero Coupon Class A Credit Card Participation Certificates, Series 1997-6
    Zero Coupon Class B Credit Card Participation Certificates, Series 1997-6
       6.35% Class A Credit Card Participation Certificates, Series 1997-7
       6.45% Class B Credit Card Participation Certificates, Series 1997-7
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-8
         5.75% Class A Credit Card Participation Certificates, Series 1998-1
      5.875% Class B Credit Card Participation Certificates, Series 1998-1
       6.05% Class A Credit Card Participation Certificates, Series 1998-2
       6.20% Class B Credit Card Participation Certificates, Series 1998-2
       5.80% Class A Credit Card Participation Certificates, Series 1998-3
       5.95% Class B Credit Card Participation Certificates, Series 1998-3
       5.85% Class A Credit Card Participation Certificates, Series 1998-6
       6.00% Class B Credit Card Participation Certificates, Series 1998-6
   Floating Rate Class A Credit Card Participation Certificates, Series 1998-7
   Floating Rate Class B Credit Card Participation Certificates, Series 1998-7
       5.30% Class A Credit Card Participation Certificates, Series 1998-9
       5.55% Class B Credit Card Participation Certificates, Series 1998-9
       5.50% Class A Credit Card Participation Certificates, Series 1999-1
       5.75% Class B Credit Card Participation Certificates, Series 1999-1
      5.875% Class A Credit Card Participation Certificates, Series 1999-2
       6.15% Class B Credit Card Participation Certificates, Series 1999-2
   Floating Rate Class A Credit Card Participation Certificates, Series 1999-3
   Floating Rate Class B Credit Card Participation Certificates, Series 1999-3
       6.10% Class A Credit Card Participation Certificates, Series 1999-5
       6.30% Class B Credit Card Participation Certificates, Series 1999-5
       6.65% Class A Credit Card Participation Certificates, Series 1999-7
       6.90% Class B Credit Card Participation Certificates, Series 1999-7

                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)



                            UNITED STATES OF AMERICA
                 (State or other jurisdiction of incorporation)

                                   46-0358360
                      (I.R.S. Employer Identification No.)


      33-41055, 33-43576, 33-62180, 33-77802, 33-84834, 33-97664, 33-99328
                                  and 333-38803
                              (Commission File No.)


    701 EAST 60TH STREET, NORTH
     SIOUX FALLS, SOUTH DAKOTA                              57117
(Address of principal executive offices)                  (Zip Code)


       Registrant's telephone number, including area code (605) 331-2626

                                 NOT APPLICABLE
         (Former name or former address, if changed since last report)

                           (cover page 2 of 2 pages)

                                       2
<PAGE>

ITEM 5. OTHER EVENTS.

     Set forth below is the monthly report and servicer's  certificate  for each
Series  referenced on the cover page of this Form 8-K (each, a "Monthly Report")
for the Due Period ending January 26, 2000 and the related  Distribution  Date
delivered  pursuant to Section 5.02 of the applicable  Series  Supplement to the
Pooling and Servicing Agreement (together, the "Agreement") relating to Citibank
Credit Card Master Trust I, among Citibank (South  Dakota),  N.A., as Seller and
Servicer,  Citibank (Nevada), National Association, as Seller, and Bankers Trust
Company (as  successor to Yasuda Bank and Trust Company  (U.S.A.)),  as Trustee.
Each Monthly Report contains information  relating to the distribution,  if any,
to Certificateholders of the related Series on the referenced  Distribution Date
as well as information  relating to the  Receivables and the Accounts from which
the Receivables have arisen.  Capitalized terms used but not defined herein have
the meanings set forth in the Agreement.


                                       3



<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                      CITIBANK CREDIT CARD MASTER TRUST I
                    For the Due Period Ending January 26, 2000

==============================================================================

This Certificate relates to the Due Period ending January 26, 2000 and the
related Distribution Date.

A.   Information Regarding the portfolio
     -----------------------------------

1. Portfolio Yield ........................................            11.98%

       Yield Component  ...................................            15.76%

       Credit Loss Component  .............................             3.78%

2. New Purchase Rate  .....................................            18.95%

3. Total Payment Rate  ....................................            20.55%

4. Principal Payment  Rate  ................................           19.72%

5. Aggregate Amount of Principal Receivables in the Trust :

     Beginning of Due Period  ............................  $  46,695,484,028

     Average  ............................................  $  45,988,242,861

     Lump Sum Addition  ..................................  $               0

     End of Due Period  ..................................  $  45,794,856,953

6. Delinquencies (Aggregate outstanding balances in the Accounts that
   were delinquent by the time periods listed below as of the close of
   business of the month preceding the Distribution Date, as a percentage
   of aggregate Receivables as of the last day of the Due Period) :

       Current  ..........................................  $  42,359,746,217
         5-34 days delinquent  ...........................  $   2,229,067,174
        35-64 days delinquent  ...........................  $     658,959,407
        65-94 days delinquent  ...........................  $     401,760,849
       95-124 days delinquent  ...........................  $     277,424,257
      125-154 days delinquent  ...........................  $     244,360,656
      155-184 days delinquent  ...........................  $     196,923,813

      Current  ...........................................             91.36%
         5-34 days delinquent  ...........................              4.81%
        35-64 days delinquent  ...........................              1.42%
        65-94 days delinquent  ...........................              0.87%
       95-124 days delinquent  ...........................              0.60%
      125-154 days delinquent  ...........................              0.53%
      155-184 days delinquent  ...........................              0.42%


                                       4
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                    For the Due Period Ending January 26, 2000

==============================================================================

                                             Current Due   Current Due
                                            Period on an   Period on a
                                        Actual Basis (1)   Standard Basis (1)
B. Information Regarding Group 1
   -----------------------------
  (Percentage Basis)

  1. Portfolio Yield                              11.98%             11.98%
  2. Weighted Average Certificate Rate             6.28%              6.28%
  3. Weighted Average Investor Fee Rates
         Fixed Servicing Fee                       0.37%              0.37%
         Others                                    0.08%              0.08%
  4. Surplus Finance Charge Collections            5.25%              5.25%
  5. Required Surplus Finance Charge Amount        0.00%              0.00%
  6. Aggregate Surplus Finance Charge Amount       5.25%              5.25%
     minus Required Surplus Finance Charge Amount

C. Information Regarding Group 1
   -----------------------------
  (Dollars Basis)

  1. Total Investor Collections                 $ 7,532,147,783 $ 7,532,147,783
         Principal Collections                  $ 7,085,817,646 $ 7,085,817,646
         Finance Charge Collections             $   446,330,137 $   446,330,137
  2. Investor Default Amount                    $   107,530,270 $   107,530,270
  3. Investor Monthly Interest                  $   191,279,828 $   191,279,828
  4. Investor Monthly Fees
         Fixed Servicing Fees                   $    11,078,689 $    11,078,689
         Others                                 $     2,412,157 $     2,411,252
  5. Surplus Finance Charge Collections         $   134,029,193 $   134,030,098
  6. Required Surplus Finance Charge Collections$             0 $             0
  7. Aggregate Surplus Finance Charge Amount    $   134,029,193 $   134,030,098
     minus Required Surplus Finance Charge Amount

(1)  Values for Current Due Period on an Actual Basis reflect, in the case
     of a first due period close of a series, activity from the series cut-off
     or close dates until the first due period end, or, as in the case of
     Investor Monthly Interest and certain fees, until the first distribution
     date. Values for Current Due Period on a Standard Basis reflect activity
     for the entire current period, as if all series had already been
     outstanding prior to the first day of such period.

     All percents are based on actual cash revenue or expense for the period,
     converted to an annualized percent using daycounts appropriate for the
     item, either 30/360, actual/360, or actual/actual. Depending on the item,
     cash expenses may accrue from December 29, 1999 to January 26, 2000, 29 da-
     ys, or January 6 , 2000 to February 6 , 2000, 32 days (standard basis).

     On December 31, 1999, at the direction of the Sellers, the Trust issued a
     $1,000,000,000 6.50% Class A credit card participation certificate to
     Citigroup Inc.  related entity (Citibank, N.A.).   The certificate will
     accrue interest at the rate of 6.50% per annum payable on the 15th day of
     each month beginning January 18, 2000.  The participation certificate is
     scheduled to mature on January 16, 2001.  the participation certificate
     is puttable by Citibank, N.A. over the certificate period.  On
     January 6,2000, Citibank, N.A. exercised its put option effective
     February 15, 2000.  The economic effects of this transaction have not been
     reflected in the above reported amount.


                                       5
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1993-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1993-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,718,750

  2b.  Class B Monthly Interest ..............................$      246,000

  3a.  Balance in the Class A Interest Funding Account  ......$   18,593,750

  3b   Balance in the Class B Interest Funding Account  ......$    1,230,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       6
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       7
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1993-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       8
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1994-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  940,000,000

  1b.  Class B Invested Amount         .......................$   60,000,000

  2a.  Class A Monthly Interest ..............................$    5,679,167

  2b.  Class B Monthly Interest ..............................$      375,000

  3a.  Balance in the Class A Interest Funding Account  ......$   22,716,667

  3b   Balance in the Class B Interest Funding Account  ......$    1,500,000

  4a.  Available Cash Collateral Amount  .....................$   70,000,000

  4b.  Percent of Class B Invested Amount          ...........       116.67%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       9
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       10
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       11
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1995-1
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  625,000,000

  1b.  Class B Invested Amount         .......................$   40,000,000

  2a.  Class A Monthly Interest ..............................$    4,296,875

  2b.  Class B Monthly Interest ..............................$      281,667

  3a.  Balance in the Class A Interest Funding Account  ......$    4,296,875

  3b   Balance in the Class B Interest Funding Account  ......$      281,667

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       12
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       13
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       14
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1994-4
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    5,156,250

  2b.  Class B Monthly Interest ..............................$      253,890

  3a.  Balance in the Class A Interest Funding Account  ......$   15,468,750

  3b   Balance in the Class B Interest Funding Account  ......$      253,890

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       15
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      253,890

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      253,890

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       16
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       17
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1995-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$            0

  1b.  Class B Invested Amount         .......................$            0

  2a.  Class A Monthly Interest ..............................$    4,088,542

  2b.  Class B Monthly Interest ..............................$      208,475

  3a.  Balance in the Class A Interest Funding Account  ......$   24,531,250

  3b   Balance in the Class B Interest Funding Account  ......$      208,475

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........         0.00%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$  625,000,000

  8b.  Class B Monthly Principal for the Distribution Date (2)$   40,000,000

  9a.  Balance in the Class A Principal Funding Account  .....$  625,000,000

  9b.  Balance in the Class B Principal Funding Account  .....$   40,000,000

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       18
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$  649,531,250

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$   40,208,475

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$  625,000,000

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$   40,000,000

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   24,531,250

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      208,475

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$  625,000,000

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$   40,000,000

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       19
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       20
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1995-9
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  500,000,000

  1b.  Class B Invested Amount         .......................$   32,000,000

  2a.  Class A Monthly Interest ..............................$    2,729,167

  2b.  Class B Monthly Interest ..............................$      177,333

  3a.  Balance in the Class A Interest Funding Account  ......$   10,916,667

  3b   Balance in the Class B Interest Funding Account  ......$      709,333

  4a.  Available Cash Collateral Amount  .....................$   37,240,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       21
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       22
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       23
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1996-1
   -----------------------------------

  1a.  Class A Accreted Invested Amount.......................$  939,336,409

  1b.  Class B Accreted Invested Amount.......................$   60,022,344

  2a.  Class A Monthly Accretion..............................$    4,532,838

  2b.  Class B Monthly Accretion..............................$      296,994

  3a.  Balance in the Class A Interest Funding Account  ......$            0

  3b   Balance in the Class B Interest Funding Account  ......$            0

  4a.  Available Cash Collateral Amount  .....................$   69,914,567

  4b.  Percent of Class B Accreted Invested Amount ...........       116.48%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       24
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       25
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       26
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1996-5
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    4,293,188

  2b.  Class B Monthly Interest ..............................$      281,480

  3a.  Balance in the Class A Interest Funding Account  ......$    8,586,375

  3b   Balance in the Class B Interest Funding Account  ......$      562,960

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       27
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       28
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       29
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1996-6
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  940,000,000

  1b.  Class B Invested Amount         .......................$   60,000,000

  2a.  Class A Monthly Interest ..............................$    5,071,927

  2b.  Class B Monthly Interest ..............................$      333,865

  3a.  Balance in the Class A Interest Funding Account  ......$   10,143,853

  3b   Balance in the Class B Interest Funding Account  ......$      667,730

  4a.  Available Cash Collateral Amount  .....................$   70,000,000

  4b.  Percent of Class B Invested Amount          ...........       116.67%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       30
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       31
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       32
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    4,093,750

  2b.  Class B Monthly Interest ..............................$      268,000

  3a.  Balance in the Class A Interest Funding Account  ......$   24,562,500

  3b   Balance in the Class B Interest Funding Account  ......$    1,608,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       33
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   24,562,500

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,608,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   24,562,500

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,608,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       34
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       35
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  400,000,000

  1b.  Class B Invested Amount         .......................$   25,540,000

  2a.  Class A Monthly Interest ..............................$    2,279,667

  2b.  Class B Monthly Interest ..............................$      148,749

  3a.  Balance in the Class A Interest Funding Account  ......$   13,678,000

  3b   Balance in the Class B Interest Funding Account  ......$      892,495

  4a.  Available Cash Collateral Amount  .....................$   29,787,800

  4b.  Percent of Class B Invested Amount          ...........       116.63%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       36
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   13,678,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      892,495

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   13,678,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      892,495

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       37
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       38
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-4
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    4,254,000

  2b.  Class B Monthly Interest ..............................$      279,356

  3a.  Balance in the Class A Interest Funding Account  ......$    8,508,000

  3b   Balance in the Class B Interest Funding Account  ......$      558,712

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       39
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       40
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       41
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-6
   -----------------------------------

  1a.  Class A Accreted Invested Amount.......................$  748,844,564

  1b.  Class B Accreted Invested Amount.......................$   47,607,772

  2a.  Class A Monthly Accretion..............................$    3,945,860

  2b.  Class B Monthly Accretion..............................$      256,653

  3a.  Balance in the Class A Interest Funding Account  ......$            0

  3b   Balance in the Class B Interest Funding Account  ......$            0

  4a.  Available Cash Collateral Amount  .....................$   55,871,242

  4b.  Percent of Class B Accreted Invested Amount ...........       117.36%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       42
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       43
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       44
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-7
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  625,000,000

  1b.  Class B Invested Amount         .......................$   40,000,000

  2a.  Class A Monthly Interest ..............................$    3,307,292

  2b.  Class B Monthly Interest ..............................$      215,000

  3a.  Balance in the Class A Interest Funding Account  ......$   19,843,750

  3b   Balance in the Class B Interest Funding Account  ......$    1,290,000

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       45
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-7
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   19,843,750

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,290,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   19,843,750

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,290,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       46
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       47
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-8
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-8 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-8
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,588,229

  2b.  Class B Monthly Interest ..............................$      223,720

  3a.  Balance in the Class A Interest Funding Account  ......$    7,945,365

  3b   Balance in the Class B Interest Funding Account  ......$      223,720

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       48
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-8
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      223,720

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      223,720

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.




                                       49
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-8
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-8 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       50
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-1
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,593,750

  2b.  Class B Monthly Interest ..............................$      235,000

  3a.  Balance in the Class A Interest Funding Account  ......$    3,593,750

  3b   Balance in the Class B Interest Funding Account  ......$      235,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       51
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       52
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       53
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  500,000,000

  1b.  Class B Invested Amount         .......................$   32,000,000

  2a.  Class A Monthly Interest ..............................$    2,520,833

  2b.  Class B Monthly Interest ..............................$      165,333

  3a.  Balance in the Class A Interest Funding Account  ......$    2,520,833

  3b   Balance in the Class B Interest Funding Account  ......$      165,333

  4a.  Available Cash Collateral Amount  .....................$   37,240,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       54
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       55
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       56
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  625,000,000

  1b.  Class B Invested Amount         .......................$   40,000,000

  2a.  Class A Monthly Interest ..............................$    3,020,833

  2b.  Class B Monthly Interest ..............................$      198,333

  3a.  Balance in the Class A Interest Funding Account  ......$   18,125,000

  3b   Balance in the Class B Interest Funding Account  ......$    1,190,000

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       57
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   18,125,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,190,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   18,125,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,190,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.




                                       58
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       59
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-6
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,656,250

  2b.  Class B Monthly Interest ..............................$      240,000

  3a.  Balance in the Class A Interest Funding Account  ......$   14,625,000

  3b   Balance in the Class B Interest Funding Account  ......$      960,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       60
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       61
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       62
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-7
   -----------------------------------

  1a.  Class A Invested Amount         .......................$1,250,000,000

  1b.  Class B Invested Amount         .......................$   80,000,000

  2a.  Class A Monthly Interest ..............................$    5,641,319

  2b.  Class B Monthly Interest ..............................$      368,200

  3a.  Balance in the Class A Interest Funding Account  ......$    5,641,319

  3b   Balance in the Class B Interest Funding Account  ......$      368,200

  4a.  Available Cash Collateral Amount  .....................$   93,100,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       63
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$    5,641,319

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      368,200

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$    5,641,319

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      368,200

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       64
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       65
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-9
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,312,500

  2b.  Class B Monthly Interest ..............................$      222,000

  3a.  Balance in the Class A Interest Funding Account  ......$    3,312,500

  3b   Balance in the Class B Interest Funding Account  ......$      222,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       66
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       67
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       68
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-1
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,437,500

  2b.  Class B Monthly Interest ..............................$      230,000

  3a.  Balance in the Class A Interest Funding Account  ......$   20,625,000

  3b   Balance in the Class B Interest Funding Account  ......$    1,380,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       69
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   20,625,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,380,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   20,625,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,380,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

P

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       70
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,671,875

  2b.  Class B Monthly Interest ..............................$      246,000

  3a.  Balance in the Class A Interest Funding Account  ......$   18,359,375

  3b   Balance in the Class B Interest Funding Account  ......$    1,230,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       71
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       72
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       73
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$1,250,000,000

  1b.  Class B Invested Amount         .......................$   80,000,000

  2a.  Class A Monthly Interest ..............................$    6,019,271

  2b.  Class B Monthly Interest ..............................$      397,678

  3a.  Balance in the Class A Interest Funding Account  ......$   13,328,385

  3b   Balance in the Class B Interest Funding Account  ......$      880,572

  4a.  Available Cash Collateral Amount  .....................$   79,800,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.


                                       74
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       75
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer



                                       76
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-5
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,812,500

  2b.  Class B Monthly Interest ..............................$      252,000

  3a.  Balance in the Class A Interest Funding Account  ......$   11,437,500

  3b   Balance in the Class B Interest Funding Account  ......$      756,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       77
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.


                                       78
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer


                                       79
<PAGE>



                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-7
   -----------------------------------

  1a.  Class A Invested Amount         .......................$1,000,000,000

  1b.  Class B Invested Amount         .......................$   64,000,000

  2a.  Class A Monthly Interest ..............................$    5,541,667

  2b.  Class B Monthly Interest ..............................$      368,000

  3a.  Balance in the Class A Interest Funding Account  ......$   17,179,167

  3b   Balance in the Class B Interest Funding Account  ......$    1,140,800

  4a.  Available Cash Collateral Amount  .....................$   63,840,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.



                                       80
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.



                                       81
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000


                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,


                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer






                                       82
<PAGE>



                                    SIGNATURES

                 Pursuant to the requirements of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                                CITIBANK (SOUTH DAKOTA), N.A.,
                                as Servicer
                                Citibank Credit Card Master Trust I



                              By: /s/ Eugene D. Rowenhorst
                             --------------------------------
                              Eugene D. Rowenhorst
                              Senior Vice President


Date: February 11, 2000




                                       83
<PAGE>
[{"type": "8-K", "sequence": "1", "description": "CITIBANK CREDIT CARD MASTER TRUST I", "secsgml_size_bytes": 211105}]
{"company-data": {"conformed-name": "CITIBANK SOUTH DAKOTA N A", "cik": "0000839947", "assigned-sic": "6189", "irs-number": "460358360", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-17797", "film-number": "545735"}, "business-address": {"street1": "701 E 60TH ST N", "city": "SIOUX FALLS", "state": "SD", "zip": "57117", "phone": "6053312626"}, "mail-address": {"street1": "CITIBANK N A LEGAL AFFAIRS OFFICE", "street2": "425 PARK AVENUE 2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043"}}
SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported): February 15, 2000
                      ------------------------------------

                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                       CITIBANK CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Citibank Credit Card Master Trust I
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       8.25% Class A Credit Card Participation Certificates, Series 1994-4
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
       8.45% Class B Credit Card Participation Certificates, Series 1995-1
       7.85% Class A Credit Card Participation Certificates, Series 1995-3
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
    Zero Coupon Class A Credit Card Participation Certificates, Series 1996-1
    Zero Coupon Class B Credit Card Participation Certificates, Series 1996-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-6

                                                       (cover page 1 of 2 pages)
                                       1
6.55% Class A Credit Card Participation Certificates, Series 1997-2
       6.70% Class B Credit Card Participation Certificates, Series 1997-2
      6.839% Class A Credit Card Participation Certificates, Series 1997-3
      6.989% Class B Credit Card Participation Certificates, Series 1997-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-4
   Floating Rate Class B Credit Card Participation Certificates, Series 1997-4
    Zero Coupon Class A Credit Card Participation Certificates, Series 1997-6
    Zero Coupon Class B Credit Card Participation Certificates, Series 1997-6
       6.35% Class A Credit Card Participation Certificates, Series 1997-7
       6.45% Class B Credit Card Participation Certificates, Series 1997-7
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-8
         5.75% Class A Credit Card Participation Certificates, Series 1998-1
      5.875% Class B Credit Card Participation Certificates, Series 1998-1
       6.05% Class A Credit Card Participation Certificates, Series 1998-2
       6.20% Class B Credit Card Participation Certificates, Series 1998-2
       5.80% Class A Credit Card Participation Certificates, Series 1998-3
       5.95% Class B Credit Card Participation Certificates, Series 1998-3
       5.85% Class A Credit Card Participation Certificates, Series 1998-6
       6.00% Class B Credit Card Participation Certificates, Series 1998-6
   Floating Rate Class A Credit Card Participation Certificates, Series 1998-7
   Floating Rate Class B Credit Card Participation Certificates, Series 1998-7
       5.30% Class A Credit Card Participation Certificates, Series 1998-9
       5.55% Class B Credit Card Participation Certificates, Series 1998-9
       5.50% Class A Credit Card Participation Certificates, Series 1999-1
       5.75% Class B Credit Card Participation Certificates, Series 1999-1
      5.875% Class A Credit Card Participation Certificates, Series 1999-2
       6.15% Class B Credit Card Participation Certificates, Series 1999-2
   Floating Rate Class A Credit Card Participation Certificates, Series 1999-3
   Floating Rate Class B Credit Card Participation Certificates, Series 1999-3
       6.10% Class A Credit Card Participation Certificates, Series 1999-5
       6.30% Class B Credit Card Participation Certificates, Series 1999-5
       6.65% Class A Credit Card Participation Certificates, Series 1999-7
       6.90% Class B Credit Card Participation Certificates, Series 1999-7

                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)

                            UNITED STATES OF AMERICA
                 (State or other jurisdiction of incorporation)

                                   46-0358360
                      (I.R.S. Employer Identification No.)

      33-41055, 33-43576, 33-62180, 33-77802, 33-84834, 33-97664, 33-99328
                                  and 333-38803
                              (Commission File No.)

    701 EAST 60TH STREET, NORTH
     SIOUX FALLS, SOUTH DAKOTA                              57117
(Address of principal executive offices)                  (Zip Code)

       Registrant's telephone number, including area code (605) 331-2626

                                 NOT APPLICABLE
         (Former name or former address, if changed since last report)

                           (cover page 2 of 2 pages)

                                       2
ITEM 5. OTHER EVENTS.

     Set forth below is the monthly report and servicer's  certificate  for each
Series  referenced on the cover page of this Form 8-K (each, a "Monthly Report")
for the Due Period ending January 26, 2000 and the related  Distribution  Date
delivered  pursuant to Section 5.02 of the applicable  Series  Supplement to the
Pooling and Servicing Agreement (together, the "Agreement") relating to Citibank
Credit Card Master Trust I, among Citibank (South  Dakota),  N.A., as Seller and
Servicer,  Citibank (Nevada), National Association, as Seller, and Bankers Trust
Company (as  successor to Yasuda Bank and Trust Company  (U.S.A.)),  as Trustee.
Each Monthly Report contains information  relating to the distribution,  if any,
to Certificateholders of the related Series on the referenced  Distribution Date
as well as information  relating to the  Receivables and the Accounts from which
the Receivables have arisen.  Capitalized terms used but not defined herein have
the meanings set forth in the Agreement.

                                       3
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                      CITIBANK CREDIT CARD MASTER TRUST I
                    For the Due Period Ending January 26, 2000

==============================================================================

This Certificate relates to the Due Period ending January 26, 2000 and the
related Distribution Date.

A.   Information Regarding the portfolio
     -----------------------------------

1. Portfolio Yield ........................................            11.98%

       Yield Component  ...................................            15.76%

       Credit Loss Component  .............................             3.78%

2. New Purchase Rate  .....................................            18.95%

3. Total Payment Rate  ....................................            20.55%

4. Principal Payment  Rate  ................................           19.72%

5. Aggregate Amount of Principal Receivables in the Trust :

     Beginning of Due Period  ............................  $  46,695,484,028

     Average  ............................................  $  45,988,242,861

     Lump Sum Addition  ..................................  $               0

     End of Due Period  ..................................  $  45,794,856,953

6. Delinquencies (Aggregate outstanding balances in the Accounts that
   were delinquent by the time periods listed below as of the close of
   business of the month preceding the Distribution Date, as a percentage
   of aggregate Receivables as of the last day of the Due Period) :

       Current  ..........................................  $  42,359,746,217
         5-34 days delinquent  ...........................  $   2,229,067,174
        35-64 days delinquent  ...........................  $     658,959,407
        65-94 days delinquent  ...........................  $     401,760,849
       95-124 days delinquent  ...........................  $     277,424,257
      125-154 days delinquent  ...........................  $     244,360,656
      155-184 days delinquent  ...........................  $     196,923,813

      Current  ...........................................             91.36%
         5-34 days delinquent  ...........................              4.81%
        35-64 days delinquent  ...........................              1.42%
        65-94 days delinquent  ...........................              0.87%
       95-124 days delinquent  ...........................              0.60%
      125-154 days delinquent  ...........................              0.53%
      155-184 days delinquent  ...........................              0.42%

                                       4
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                    For the Due Period Ending January 26, 2000

==============================================================================

                                             Current Due   Current Due
                                            Period on an   Period on a
                                        Actual Basis (1)   Standard Basis (1)
B. Information Regarding Group 1
   -----------------------------
  (Percentage Basis)

  1. Portfolio Yield                              11.98%             11.98%
  2. Weighted Average Certificate Rate             6.28%              6.28%
  3. Weighted Average Investor Fee Rates
         Fixed Servicing Fee                       0.37%              0.37%
         Others                                    0.08%              0.08%
  4. Surplus Finance Charge Collections            5.25%              5.25%
  5. Required Surplus Finance Charge Amount        0.00%              0.00%
  6. Aggregate Surplus Finance Charge Amount       5.25%              5.25%
     minus Required Surplus Finance Charge Amount

C. Information Regarding Group 1
   -----------------------------
  (Dollars Basis)

  1. Total Investor Collections                 $ 7,532,147,783 $ 7,532,147,783
         Principal Collections                  $ 7,085,817,646 $ 7,085,817,646
         Finance Charge Collections             $   446,330,137 $   446,330,137
  2. Investor Default Amount                    $   107,530,270 $   107,530,270
  3. Investor Monthly Interest                  $   191,279,828 $   191,279,828
  4. Investor Monthly Fees
         Fixed Servicing Fees                   $    11,078,689 $    11,078,689
         Others                                 $     2,412,157 $     2,411,252
  5. Surplus Finance Charge Collections         $   134,029,193 $   134,030,098
  6. Required Surplus Finance Charge Collections$             0 $             0
  7. Aggregate Surplus Finance Charge Amount    $   134,029,193 $   134,030,098
     minus Required Surplus Finance Charge Amount

(1)  Values for Current Due Period on an Actual Basis reflect, in the case
     of a first due period close of a series, activity from the series cut-off
     or close dates until the first due period end, or, as in the case of
     Investor Monthly Interest and certain fees, until the first distribution
     date. Values for Current Due Period on a Standard Basis reflect activity
     for the entire current period, as if all series had already been
     outstanding prior to the first day of such period.

     All percents are based on actual cash revenue or expense for the period,
     converted to an annualized percent using daycounts appropriate for the
     item, either 30/360, actual/360, or actual/actual. Depending on the item,
     cash expenses may accrue from December 29, 1999 to January 26, 2000, 29 da-
     ys, or January 6 , 2000 to February 6 , 2000, 32 days (standard basis).

     On December 31, 1999, at the direction of the Sellers, the Trust issued a
     $1,000,000,000 6.50% Class A credit card participation certificate to
     Citigroup Inc.  related entity (Citibank, N.A.).   The certificate will
     accrue interest at the rate of 6.50% per annum payable on the 15th day of
     each month beginning January 18, 2000.  The participation certificate is
     scheduled to mature on January 16, 2001.  the participation certificate
     is puttable by Citibank, N.A. over the certificate period.  On
     January 6,2000, Citibank, N.A. exercised its put option effective
     February 15, 2000.  The economic effects of this transaction have not been
     reflected in the above reported amount.

                                       5
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1993-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1993-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,718,750

  2b.  Class B Monthly Interest ..............................$      246,000

  3a.  Balance in the Class A Interest Funding Account  ......$   18,593,750

  3b   Balance in the Class B Interest Funding Account  ......$    1,230,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       6
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       7
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1993-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       8
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1994-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  940,000,000

  1b.  Class B Invested Amount         .......................$   60,000,000

  2a.  Class A Monthly Interest ..............................$    5,679,167

  2b.  Class B Monthly Interest ..............................$      375,000

  3a.  Balance in the Class A Interest Funding Account  ......$   22,716,667

  3b   Balance in the Class B Interest Funding Account  ......$    1,500,000

  4a.  Available Cash Collateral Amount  .....................$   70,000,000

  4b.  Percent of Class B Invested Amount          ...........       116.67%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       9
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       10
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       11
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1995-1
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  625,000,000

  1b.  Class B Invested Amount         .......................$   40,000,000

  2a.  Class A Monthly Interest ..............................$    4,296,875

  2b.  Class B Monthly Interest ..............................$      281,667

  3a.  Balance in the Class A Interest Funding Account  ......$    4,296,875

  3b   Balance in the Class B Interest Funding Account  ......$      281,667

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       12
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       13
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       14
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1994-4
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    5,156,250

  2b.  Class B Monthly Interest ..............................$      253,890

  3a.  Balance in the Class A Interest Funding Account  ......$   15,468,750

  3b   Balance in the Class B Interest Funding Account  ......$      253,890

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       15
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      253,890

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      253,890

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       16
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1994-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       17
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1995-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$            0

  1b.  Class B Invested Amount         .......................$            0

  2a.  Class A Monthly Interest ..............................$    4,088,542

  2b.  Class B Monthly Interest ..............................$      208,475

  3a.  Balance in the Class A Interest Funding Account  ......$   24,531,250

  3b   Balance in the Class B Interest Funding Account  ......$      208,475

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........         0.00%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$  625,000,000

  8b.  Class B Monthly Principal for the Distribution Date (2)$   40,000,000

  9a.  Balance in the Class A Principal Funding Account  .....$  625,000,000

  9b.  Balance in the Class B Principal Funding Account  .....$   40,000,000

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       18
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$  649,531,250

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$   40,208,475

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$  625,000,000

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$   40,000,000

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   24,531,250

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      208,475

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$  625,000,000

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$   40,000,000

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       19
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       20
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1995-9
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  500,000,000

  1b.  Class B Invested Amount         .......................$   32,000,000

  2a.  Class A Monthly Interest ..............................$    2,729,167

  2b.  Class B Monthly Interest ..............................$      177,333

  3a.  Balance in the Class A Interest Funding Account  ......$   10,916,667

  3b   Balance in the Class B Interest Funding Account  ......$      709,333

  4a.  Available Cash Collateral Amount  .....................$   37,240,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       21
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       22
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1995-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       23
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1996-1
   -----------------------------------

  1a.  Class A Accreted Invested Amount.......................$  939,336,409

  1b.  Class B Accreted Invested Amount.......................$   60,022,344

  2a.  Class A Monthly Accretion..............................$    4,532,838

  2b.  Class B Monthly Accretion..............................$      296,994

  3a.  Balance in the Class A Interest Funding Account  ......$            0

  3b   Balance in the Class B Interest Funding Account  ......$            0

  4a.  Available Cash Collateral Amount  .....................$   69,914,567

  4b.  Percent of Class B Accreted Invested Amount ...........       116.48%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       24
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       25
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       26
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1996-5
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    4,293,188

  2b.  Class B Monthly Interest ..............................$      281,480

  3a.  Balance in the Class A Interest Funding Account  ......$    8,586,375

  3b   Balance in the Class B Interest Funding Account  ......$      562,960

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       27
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       28
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       29
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1996-6
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  940,000,000

  1b.  Class B Invested Amount         .......................$   60,000,000

  2a.  Class A Monthly Interest ..............................$    5,071,927

  2b.  Class B Monthly Interest ..............................$      333,865

  3a.  Balance in the Class A Interest Funding Account  ......$   10,143,853

  3b   Balance in the Class B Interest Funding Account  ......$      667,730

  4a.  Available Cash Collateral Amount  .....................$   70,000,000

  4b.  Percent of Class B Invested Amount          ...........       116.67%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       30
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       31
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1996-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       32
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    4,093,750

  2b.  Class B Monthly Interest ..............................$      268,000

  3a.  Balance in the Class A Interest Funding Account  ......$   24,562,500

  3b   Balance in the Class B Interest Funding Account  ......$    1,608,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       33
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   24,562,500

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,608,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   24,562,500

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,608,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       34
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       35
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  400,000,000

  1b.  Class B Invested Amount         .......................$   25,540,000

  2a.  Class A Monthly Interest ..............................$    2,279,667

  2b.  Class B Monthly Interest ..............................$      148,749

  3a.  Balance in the Class A Interest Funding Account  ......$   13,678,000

  3b   Balance in the Class B Interest Funding Account  ......$      892,495

  4a.  Available Cash Collateral Amount  .....................$   29,787,800

  4b.  Percent of Class B Invested Amount          ...........       116.63%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       36
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   13,678,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      892,495

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   13,678,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      892,495

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       37
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       38
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-4
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    4,254,000

  2b.  Class B Monthly Interest ..............................$      279,356

  3a.  Balance in the Class A Interest Funding Account  ......$    8,508,000

  3b   Balance in the Class B Interest Funding Account  ......$      558,712

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       39
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       40
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-4 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       41
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-6
   -----------------------------------

  1a.  Class A Accreted Invested Amount.......................$  748,844,564

  1b.  Class B Accreted Invested Amount.......................$   47,607,772

  2a.  Class A Monthly Accretion..............................$    3,945,860

  2b.  Class B Monthly Accretion..............................$      256,653

  3a.  Balance in the Class A Interest Funding Account  ......$            0

  3b   Balance in the Class B Interest Funding Account  ......$            0

  4a.  Available Cash Collateral Amount  .....................$   55,871,242

  4b.  Percent of Class B Accreted Invested Amount ...........       117.36%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       42
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       43
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       44
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-7
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  625,000,000

  1b.  Class B Invested Amount         .......................$   40,000,000

  2a.  Class A Monthly Interest ..............................$    3,307,292

  2b.  Class B Monthly Interest ..............................$      215,000

  3a.  Balance in the Class A Interest Funding Account  ......$   19,843,750

  3b   Balance in the Class B Interest Funding Account  ......$    1,290,000

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       45
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-7
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   19,843,750

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,290,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   19,843,750

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,290,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       46
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       47
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-8
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-8 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1997-8
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,588,229

  2b.  Class B Monthly Interest ..............................$      223,720

  3a.  Balance in the Class A Interest Funding Account  ......$    7,945,365

  3b   Balance in the Class B Interest Funding Account  ......$      223,720

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       48
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-8
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      223,720

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      223,720

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       49
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1997-8
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1997-8 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       50
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-1
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,593,750

  2b.  Class B Monthly Interest ..............................$      235,000

  3a.  Balance in the Class A Interest Funding Account  ......$    3,593,750

  3b   Balance in the Class B Interest Funding Account  ......$      235,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       51
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       52
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       53
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  500,000,000

  1b.  Class B Invested Amount         .......................$   32,000,000

  2a.  Class A Monthly Interest ..............................$    2,520,833

  2b.  Class B Monthly Interest ..............................$      165,333

  3a.  Balance in the Class A Interest Funding Account  ......$    2,520,833

  3b   Balance in the Class B Interest Funding Account  ......$      165,333

  4a.  Available Cash Collateral Amount  .....................$   37,240,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       54
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       55
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       56
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  625,000,000

  1b.  Class B Invested Amount         .......................$   40,000,000

  2a.  Class A Monthly Interest ..............................$    3,020,833

  2b.  Class B Monthly Interest ..............................$      198,333

  3a.  Balance in the Class A Interest Funding Account  ......$   18,125,000

  3b   Balance in the Class B Interest Funding Account  ......$    1,190,000

  4a.  Available Cash Collateral Amount  .....................$   46,550,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       57
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   18,125,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,190,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   18,125,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,190,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       58
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       59
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-6
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,656,250

  2b.  Class B Monthly Interest ..............................$      240,000

  3a.  Balance in the Class A Interest Funding Account  ......$   14,625,000

  3b   Balance in the Class B Interest Funding Account  ......$      960,000

  4a.  Available Cash Collateral Amount  .....................$   55,860,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       60
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       61
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-6 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       62
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-7
   -----------------------------------

  1a.  Class A Invested Amount         .......................$1,250,000,000

  1b.  Class B Invested Amount         .......................$   80,000,000

  2a.  Class A Monthly Interest ..............................$    5,641,319

  2b.  Class B Monthly Interest ..............................$      368,200

  3a.  Balance in the Class A Interest Funding Account  ......$    5,641,319

  3b   Balance in the Class B Interest Funding Account  ......$      368,200

  4a.  Available Cash Collateral Amount  .....................$   93,100,000

  4b.  Percent of Class B Invested Amount          ...........       116.38%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       63
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$    5,641,319

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      368,200

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$    5,641,319

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      368,200

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       64
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       65
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1998-9
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,312,500

  2b.  Class B Monthly Interest ..............................$      222,000

  3a.  Balance in the Class A Interest Funding Account  ......$    3,312,500

  3b   Balance in the Class B Interest Funding Account  ......$      222,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       66
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       67
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1998-9 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 7 , 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       68
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-1
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,437,500

  2b.  Class B Monthly Interest ..............................$      230,000

  3a.  Balance in the Class A Interest Funding Account  ......$   20,625,000

  3b   Balance in the Class B Interest Funding Account  ......$    1,380,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       69
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$   20,625,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,380,000

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$   20,625,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,380,000

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

P

                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-1 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       70
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-2
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,671,875

  2b.  Class B Monthly Interest ..............................$      246,000

  3a.  Balance in the Class A Interest Funding Account  ......$   18,359,375

  3b   Balance in the Class B Interest Funding Account  ......$    1,230,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       71
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       72
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-2 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 10, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       73
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-3
   -----------------------------------

  1a.  Class A Invested Amount         .......................$1,250,000,000

  1b.  Class B Invested Amount         .......................$   80,000,000

  2a.  Class A Monthly Interest ..............................$    6,019,271

  2b.  Class B Monthly Interest ..............................$      397,678

  3a.  Balance in the Class A Interest Funding Account  ......$   13,328,385

  3b   Balance in the Class B Interest Funding Account  ......$      880,572

  4a.  Available Cash Collateral Amount  .....................$   79,800,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       74
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       75
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-3 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       76
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-5
   -----------------------------------

  1a.  Class A Invested Amount         .......................$  750,000,000

  1b.  Class B Invested Amount         .......................$   48,000,000

  2a.  Class A Monthly Interest ..............................$    3,812,500

  2b.  Class B Monthly Interest ..............................$      252,000

  3a.  Balance in the Class A Interest Funding Account  ......$   11,437,500

  3b   Balance in the Class B Interest Funding Account  ......$      756,000

  4a.  Available Cash Collateral Amount  .....................$   47,880,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       77
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       78
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-5 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       79
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify the information set forth below. Capitalized
terms used in this Certificate have their respective meanings as set forth in
the Agreement or Series Supplement, as applicable.

D. Information Regarding Series 1999-7
   -----------------------------------

  1a.  Class A Invested Amount         .......................$1,000,000,000

  1b.  Class B Invested Amount         .......................$   64,000,000

  2a.  Class A Monthly Interest ..............................$    5,541,667

  2b.  Class B Monthly Interest ..............................$      368,000

  3a.  Balance in the Class A Interest Funding Account  ......$   17,179,167

  3b   Balance in the Class B Interest Funding Account  ......$    1,140,800

  4a.  Available Cash Collateral Amount  .....................$   63,840,000

  4b.  Percent of Class B Invested Amount          ...........        99.75%

  5a.  Class A Investor Charge-offs  .........................$            0

  5b.  Class B Investor Charge-offs  .........................$            0

  6.   Required Amount  ......................................$            0

  7.   Draw on Cash Collateral Account  ......................$            0

  8a.  Class A Monthly Principal for the Distribution Date (2)$            0

  8b.  Class B Monthly Principal for the Distribution Date (2)$            0

  9a.  Balance in the Class A Principal Funding Account  .....$            0

  9b.  Balance in the Class B Principal Funding Account  .....$            0

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.

                                       80
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending January 26, 2000

==============================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................$            0

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$            0

   2a. The amount of the distribution set forth in item 1(a) above
       in respect of principal on the Class A Certificates   ....$            0

   2b. The amount of the distribution set forth in item 1(b) above
       in respect of principal on the Class B Certificates   ....$            0

   3a. The amount of the distribution set forth in item 1(a) above
       in respect of interest on the Class A Certificates  ......$            0

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$            0

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................$            0

       ----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                       81
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

==============================================================================

                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending January 26, 2000

==============================================================================

    The undersigned, a duly authorized representative of Citibank (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling
and Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,
the "Agreement"), as supplemented by the Series 1999-7 Supplement (as amended
and supplemented, the "Series Supplement"), among Citibank (South Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and
Bankers Trust Company (as successor to Yasuda Bank and Trust Company (U.S.A)),
as Trustee, does hereby certify as follows:

           1.    Capitalized terms used in this Certificate have their
                 respective meanings as set forth in the Agreement or
                 Series Supplement, as applicable.

           2.    Citibank (South Dakota) is, as of the date hereof, the
                 Servicer under the Agreement.

           3.    The undersigned is a Servicing Officer.

           4.    This Certificate relates to the Distribution Date
                 occurring on February 15, 2000

           5.    As of the date hereof, to the best knowledge of
                 the undersigned, the Servicer has performed in
                 all material respects all its obligations under
                 the Agreement through the Due Period preceeding
                 such Distribution Date.

           6.    As of date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

           7.    As of date hereof, to the best knowledge of the
                 undersigned, no Lien has been place on any of the
                 Receivables other than pursuant to the Agreement.

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 8th day of
                 February 2000

                                CITIBANK (SOUTH DAKOTA), N.A.
                                Servicer,

                                By: /s/ Susan Sexton
                                        Name:    Susan Sexton
                                        Title:   Servicing Officer

                                       82
SIGNATURES

                 Pursuant to the requirements of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                                CITIBANK (SOUTH DAKOTA), N.A.,
                                as Servicer
                                Citibank Credit Card Master Trust I

                              By: /s/ Eugene D. Rowenhorst
                             --------------------------------
                              Eugene D. Rowenhorst
                              Senior Vice President

Date: February 11, 2000

                                       83