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): August 16, 1999
                      ------------------------------------


                          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
  Floating Rate Class A Credit Card Participation Certificates, Series 1997-10
  Floating Rate Class B Credit Card Participation Certificates, Series 1997-10
       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
                       (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  July 27, 1999 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 July 27, 1999


      This Certificate relates to the Due Period ending July 27, 1999 and the
related Distribution Date.

  A. Information Regarding the portfolio

    1. Portfolio Yield.................................               12.55%

          Yield Component.............................                16.69%

          Credit Loss Component........................                4.15%

    2. New Purchase Rate...............................               22.15%

    3. Total Payment Rate..............................               22.47%

    4. Principal Payment  Rate.........................               21.52%

    5. Aggregate Amount of Principal Receivables in the Trust :

          Beginning of Due Period..............  $               44,235,398,050

          Average..............................  $               43,932,033,109

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

          End of Due Period....................  $               44,024,265,541

    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..............................  $               40,634,534,650

               5-34 days delinquent............  $                2,232,003,509

              35-64 days delinquent............  $                  626,883,900

              65-94 days delinquent............  $                  359,832,825

             95-124 days delinquent............  $                  260,275,835

            125-154 days delinquent............  $                  224,613,227

            155-184 days delinquent............  $                  168,254,985


          Current..............................                       91.30%

               5-34 days delinquent............                       5.02%

              35-64 days delinquent...........                        1.41%

              65-94 days delinquent............                       0.81%

             95-124 days delinquent............                       0.58%

            125-154 days delinquent...........                        0.50%

            155-184 days delinquent............                       0.38%

                                       4
<PAGE>

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

                  CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                     For the Due Period Ending July 27, 1999



                                             Current Due         Current Due
                                             Period on an        Period on a
                                             Actual Basis        Standard Basis

  B. Information Regarding Group 1
     (Percentage Basis)

       1. Portfolio Yield                              12.55%         12.55%

       2. Weighted Average Certificate Rate            5.87%          5.87%

       3. Weighted Average Investor Fee Rates

             Fixed Servicing Fee                       0.37%          0.37%

             Others                                    0.08%          0.08%

       4. Surplus Finance Charge Collections           6.23%          6.23%

       5. Required Surplus Finance Charge Amount       0.00%          0.00%

       6. Aggregate Surplus Finance Charge Amount      6.23%          6.23%
          minus Required Surplus Finance Charge Amount Amount

  C. Information Regarding Group 1
     (Dollars Basis)

       1. Total Investor Collections         $7,865,483,300    $ 7,865,483,300

               Principal Collections         $7,362,502,452    $ 7,362,502,452

               Finance Charge Collections    $502,980,848      $   502,980,848

       2. Investor Default Amount            $124,407,951      $   124,407,951

       3. Investor Monthly Interest          $179,496,659      $   179,496,659

       4. Investor Monthly Fees
               Fixed Servicing Fees          $10,550,213       $    10,550,213

               Others                        $2,282,470        $     2,282,470

       5. Surplus Finance Charge Collections $186,243,555      $   186,243,555

       6. Required Surplus Finance Charge Collections  $ 0     $            0

       7. Aggregate Surplus Finance Charge Amount$186,243,555  $   186,243,555
          minus Required Surplus Finance Charge Amount

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 appropriate for the item, either 30/360,  actual/360,
or  actual/actual.  Depending on the item, cash percent using  daycountsexpenses
may accrue from June 26,  1999 to July 27,  1999,  32 days,  or July 6 , 1999 to
August 5 , 1999, 31 days (standard basis).



                                       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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 1994-4
                    For the Due Period Ending July 27, 1999

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

    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 ..............................$      243,452

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

  3b   Balance in the Class B Interest Funding Account  ......$      243,452

  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.


                                       12
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 27, 1999

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

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   .................$      243,452

   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  ......$      243,452

   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 1994-4
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 1995-1
                    For the Due Period Ending July 27, 1999

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

    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.


                                       15
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 27, 1999

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

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.


                                       16
<PAGE>


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

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

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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         .......................$  625,000,000

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

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

  2b.  Class B Monthly Interest ..............................$      199,577

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

  3b   Balance in the Class B Interest Funding Account  ......$      199,577

  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.


                                       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 July 27, 1999

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

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   .................$   24,531,250

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      199,577

   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  ......$   24,531,250

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      199,577

   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.


                                       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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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.......................$  912,592,877

  1b.  Class B Accreted Invested Amount.......................$   58,270,839

  2a.  Class A Monthly Accretion..............................$    4,403,785

  2b.  Class B Monthly Accretion..............................$      288,327

  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  .....................$   67,947,783

  4b.  Percent of Class B Accreted Invested Amount ...........       116.61%

  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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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.......................$  725,599,969

  1b.  Class B Accreted Invested Amount.......................$   46,096,498

  2a.  Class A Monthly Accretion..............................$    3,823,378

  2b.  Class B Monthly Accretion..............................$      248,506

  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  .....................$   54,155,613

  4b.  Percent of Class B Accreted Invested Amount ...........       117.48%

  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.


                                       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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 July 27, 1999

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

    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 ..............................$    3,449,167

  2b.  Class B Monthly Interest ..............................$      229,547

  3a.  Balance in the Class A Interest Funding Account  ......$    6,682,760

  3b   Balance in the Class B Interest Funding Account  ......$      229,547

  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 July 27, 1999

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

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   .................$      229,547

   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  ......$      229,547

   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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 1997-10
                    For the Due Period Ending July 27, 1999

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

    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 1997-10 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 1997-10
   ------------------------------------

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

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

  2a.  Class A Monthly Interest ..............................$    2,302,222

  2b.  Class B Monthly Interest ..............................$      151,893

  3a.  Balance in the Class A Interest Funding Account  ......$    2,302,222

  3b   Balance in the Class B Interest Funding Account  ......$      151,893

  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.


                                       51
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1997-10
                    For the Due Period Ending July 27, 1999

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

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   .................$    2,302,222

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      151,893

   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  ......$    2,302,222

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      151,893

   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 1997-10
                    For the Due Period Ending July 27, 1999

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

    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 1997-10 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 August 16, 1999

           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 6th day of
                 August 1999


                                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 1998-1
                    For the Due Period Ending July 27, 1999

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

    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.


                                       54
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending July 27, 1999

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

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 1998-1
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 1998-2
                    For the Due Period Ending July 27, 1999

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

    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.


                                       57
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending July 27, 1999

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

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.


                                       58
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 1998-3
                    For the Due Period Ending July 27, 1999

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

    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.


                                       60
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending July 27, 1999

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

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.


                                       61
<PAGE>


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

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

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


                                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 1998-6
                    For the Due Period Ending July 27, 1999

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

    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.


                                       63
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending July 27, 1999

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

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.


                                       64
<PAGE>


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

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

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999


                                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 1998-7
                    For the Due Period Ending July 27, 1999

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

    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 ..............................$    5,766,667

  2b.  Class B Monthly Interest ..............................$      377,244

  3a.  Balance in the Class A Interest Funding Account  ......$    5,766,667

  3b   Balance in the Class B Interest Funding Account  ......$      377,244

  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.


                                       66
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending July 27, 1999

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

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   .................$    5,766,667

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      377,244

   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  ......$    5,766,667

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      377,244

   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 1998-7
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


                                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 1998-9
                    For the Due Period Ending July 27, 1999

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

    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.


                                       69
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending July 27, 1999

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

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.



                                       70
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999


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


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

                                       71
<PAGE>


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

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

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending July 27, 1999

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

    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  ......$   20,395,833

  3b   Balance in the Class B Interest Funding Account  ......$    1,364,667

  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.


                                       72
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending July 27, 1999

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

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   .................$   20,395,833

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,364,667

   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  ......$   20,395,833

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,364,667

   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.



                                       73
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


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


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


                                       74
<PAGE>


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

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

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending July 27, 1999

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

    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  ......$   20,440,104

  3b   Balance in the Class B Interest Funding Account  ......$    1,369,400

  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.


                                       75
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending July 27, 1999

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

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.



                                       76
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999


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


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


                                       77
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending July 27, 1999

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

    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 ..............................$    5,793,056

  2b.  Class B Monthly Interest ..............................$      384,978

  3a.  Balance in the Class A Interest Funding Account  ......$   11,224,045

  3b   Balance in the Class B Interest Funding Account  ......$      745,894

  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.


                                       78
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending July 27, 1999

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

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.


                                       79
<PAGE>


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

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

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


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


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


                                       80
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending July 27, 1999

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

    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  ......$   11,818,750

  3b   Balance in the Class B Interest Funding Account  ......$      781,200

  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.


                                       81
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending July 27, 1999

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

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.


                                       82
<PAGE>

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

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

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999


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


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


                                       83
<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/ David L. Zimbeck
                             ----------------------------------------------
                              Name:     David L.Zimbeck
                              Title:    Vice President


Date: August 11, 1999




                                       84
<PAGE>
[{"type": "8-K", "sequence": "1", "description": "CITIBANK CREDIT CARD MASTER TRUST I", "secsgml_size_bytes": 209693}]
{"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": "99696167"}, "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): August 16, 1999
                      ------------------------------------

                          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
  Floating Rate Class A Credit Card Participation Certificates, Series 1997-10
  Floating Rate Class B Credit Card Participation Certificates, Series 1997-10
       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
                       (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  July 27, 1999 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 July 27, 1999

      This Certificate relates to the Due Period ending July 27, 1999 and the
related Distribution Date.

  A. Information Regarding the portfolio

    1. Portfolio Yield.................................               12.55%

          Yield Component.............................                16.69%

          Credit Loss Component........................                4.15%

    2. New Purchase Rate...............................               22.15%

    3. Total Payment Rate..............................               22.47%

    4. Principal Payment  Rate.........................               21.52%

    5. Aggregate Amount of Principal Receivables in the Trust :

          Beginning of Due Period..............  $               44,235,398,050

          Average..............................  $               43,932,033,109

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

          End of Due Period....................  $               44,024,265,541

    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..............................  $               40,634,534,650

               5-34 days delinquent............  $                2,232,003,509

              35-64 days delinquent............  $                  626,883,900

              65-94 days delinquent............  $                  359,832,825

             95-124 days delinquent............  $                  260,275,835

            125-154 days delinquent............  $                  224,613,227

            155-184 days delinquent............  $                  168,254,985

          Current..............................                       91.30%

               5-34 days delinquent............                       5.02%

              35-64 days delinquent...........                        1.41%

              65-94 days delinquent............                       0.81%

             95-124 days delinquent............                       0.58%

            125-154 days delinquent...........                        0.50%

            155-184 days delinquent............                       0.38%

                                       4
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

                  CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                     For the Due Period Ending July 27, 1999

                                             Current Due         Current Due
                                             Period on an        Period on a
                                             Actual Basis        Standard Basis

  B. Information Regarding Group 1
     (Percentage Basis)

       1. Portfolio Yield                              12.55%         12.55%

       2. Weighted Average Certificate Rate            5.87%          5.87%

       3. Weighted Average Investor Fee Rates

             Fixed Servicing Fee                       0.37%          0.37%

             Others                                    0.08%          0.08%

       4. Surplus Finance Charge Collections           6.23%          6.23%

       5. Required Surplus Finance Charge Amount       0.00%          0.00%

       6. Aggregate Surplus Finance Charge Amount      6.23%          6.23%
          minus Required Surplus Finance Charge Amount Amount

  C. Information Regarding Group 1
     (Dollars Basis)

       1. Total Investor Collections         $7,865,483,300    $ 7,865,483,300

               Principal Collections         $7,362,502,452    $ 7,362,502,452

               Finance Charge Collections    $502,980,848      $   502,980,848

       2. Investor Default Amount            $124,407,951      $   124,407,951

       3. Investor Monthly Interest          $179,496,659      $   179,496,659

       4. Investor Monthly Fees
               Fixed Servicing Fees          $10,550,213       $    10,550,213

               Others                        $2,282,470        $     2,282,470

       5. Surplus Finance Charge Collections $186,243,555      $   186,243,555

       6. Required Surplus Finance Charge Collections  $ 0     $            0

       7. Aggregate Surplus Finance Charge Amount$186,243,555  $   186,243,555
          minus Required Surplus Finance Charge Amount

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 appropriate for the item, either 30/360,  actual/360,
or  actual/actual.  Depending on the item, cash percent using  daycountsexpenses
may accrue from June 26,  1999 to July 27,  1999,  32 days,  or July 6 , 1999 to
August 5 , 1999, 31 days (standard basis).

                                       5
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 1994-4
                    For the Due Period Ending July 27, 1999

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

    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 ..............................$      243,452

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

  3b   Balance in the Class B Interest Funding Account  ......$      243,452

  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.

                                       12
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 27, 1999

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

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   .................$      243,452

   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  ......$      243,452

   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 1994-4
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 1995-1
                    For the Due Period Ending July 27, 1999

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

    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.

                                       15
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 27, 1999

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

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.

                                       16
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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         .......................$  625,000,000

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

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

  2b.  Class B Monthly Interest ..............................$      199,577

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

  3b   Balance in the Class B Interest Funding Account  ......$      199,577

  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.

                                       18
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 27, 1999

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

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   .................$   24,531,250

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      199,577

   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  ......$   24,531,250

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      199,577

   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.

                                       19
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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.......................$  912,592,877

  1b.  Class B Accreted Invested Amount.......................$   58,270,839

  2a.  Class A Monthly Accretion..............................$    4,403,785

  2b.  Class B Monthly Accretion..............................$      288,327

  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  .....................$   67,947,783

  4b.  Percent of Class B Accreted Invested Amount ...........       116.61%

  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 July 27, 1999

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

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 July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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.......................$  725,599,969

  1b.  Class B Accreted Invested Amount.......................$   46,096,498

  2a.  Class A Monthly Accretion..............................$    3,823,378

  2b.  Class B Monthly Accretion..............................$      248,506

  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  .....................$   54,155,613

  4b.  Percent of Class B Accreted Invested Amount ...........       117.48%

  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.

                                       42
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 July 27, 1999

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

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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 July 27, 1999

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

    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 ..............................$    3,449,167

  2b.  Class B Monthly Interest ..............................$      229,547

  3a.  Balance in the Class A Interest Funding Account  ......$    6,682,760

  3b   Balance in the Class B Interest Funding Account  ......$      229,547

  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 July 27, 1999

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

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   .................$      229,547

   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  ......$      229,547

   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 July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 1997-10
                    For the Due Period Ending July 27, 1999

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

    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 1997-10 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 1997-10
   ------------------------------------

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

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

  2a.  Class A Monthly Interest ..............................$    2,302,222

  2b.  Class B Monthly Interest ..............................$      151,893

  3a.  Balance in the Class A Interest Funding Account  ......$    2,302,222

  3b   Balance in the Class B Interest Funding Account  ......$      151,893

  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.

                                       51
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1997-10
                    For the Due Period Ending July 27, 1999

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

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   .................$    2,302,222

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      151,893

   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  ......$    2,302,222

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      151,893

   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 1997-10
                    For the Due Period Ending July 27, 1999

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

    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 1997-10 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 August 16, 1999

           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 6th day of
                 August 1999

                                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 1998-1
                    For the Due Period Ending July 27, 1999

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

    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.

                                       54
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-1
                    For the Due Period Ending July 27, 1999

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

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 1998-1
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 1998-2
                    For the Due Period Ending July 27, 1999

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

    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.

                                       57
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending July 27, 1999

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

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.

                                       58
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 1998-3
                    For the Due Period Ending July 27, 1999

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

    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.

                                       60
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending July 27, 1999

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

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.

                                       61
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

                                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 1998-6
                    For the Due Period Ending July 27, 1999

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

    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.

                                       63
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending July 27, 1999

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

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.

                                       64
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-6
                    For the Due Period Ending July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999

                                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 1998-7
                    For the Due Period Ending July 27, 1999

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

    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 ..............................$    5,766,667

  2b.  Class B Monthly Interest ..............................$      377,244

  3a.  Balance in the Class A Interest Funding Account  ......$    5,766,667

  3b   Balance in the Class B Interest Funding Account  ......$      377,244

  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.

                                       66
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-7
                    For the Due Period Ending July 27, 1999

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

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   .................$    5,766,667

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$      377,244

   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  ......$    5,766,667

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$      377,244

   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 1998-7
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

                                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 1998-9
                    For the Due Period Ending July 27, 1999

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

    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.

                                       69
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending July 27, 1999

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

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.

                                       70
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending July 27, 1999

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

    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 August 9 , 1999

           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 6th day of
                 August 1999

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

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

                                       71
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending July 27, 1999

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

    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  ......$   20,395,833

  3b   Balance in the Class B Interest Funding Account  ......$    1,364,667

  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.

                                       72
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending July 27, 1999

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

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   .................$   20,395,833

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................$    1,364,667

   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  ......$   20,395,833

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......$    1,364,667

   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.

                                       73
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

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

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

                                       74
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending July 27, 1999

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

    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  ......$   20,440,104

  3b   Balance in the Class B Interest Funding Account  ......$    1,369,400

  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.

                                       75
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending July 27, 1999

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

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.

                                       76
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending July 27, 1999

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

    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 August 10, 1999

           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 6th day of
                 August 1999

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

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

                                       77
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending July 27, 1999

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

    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 ..............................$    5,793,056

  2b.  Class B Monthly Interest ..............................$      384,978

  3a.  Balance in the Class A Interest Funding Account  ......$   11,224,045

  3b   Balance in the Class B Interest Funding Account  ......$      745,894

  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.

                                       78
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending July 27, 1999

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

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.

                                       79
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-3
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

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

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

                                       80
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending July 27, 1999

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

    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  ......$   11,818,750

  3b   Balance in the Class B Interest Funding Account  ......$      781,200

  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.

                                       81
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending July 27, 1999

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

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.

                                       82
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending July 27, 1999

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

    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 August 16, 1999

           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 6th day of
                 August 1999

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

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

                                       83
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/ David L. Zimbeck
                             ----------------------------------------------
                              Name:     David L.Zimbeck
                              Title:    Vice President

Date: August 11, 1999

                                       84