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): March 9, 1998
                      ------------------------------------


                          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

      8 7/8% Class A Credit Card Participation Certificates, Series 1991-3
      9 1/4% Class B Credit Card Participation Certificates, Series 1991-3
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       5.50% Class A Credit Card Participation Certificates, Series 1993-3
       5.70% Class B Credit Card Participation Certificates, Series 1993-3
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       6.80% Class A Credit Card Participation Certificates, Series 1994-3
       7.00% Class B Credit Card Participation Certificates, Series 1994-3
       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

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

       7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-5
       6.75% Class A Credit Card Participation Certificates, Series 1995-6
       6.90% Class B Credit Card Participation Certificates, Series 1995-6
       6.70% Class A Credit Card Participation Certificates, Series 1995-8
       6.85% Class B Credit Card Participation Certificates, Series 1995-8
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
      5.90% Class A Credit Card Participation Certificates, Series 1995-10
      6.05% Class B Credit Card Participation Certificates, Series 1995-10
  Floating Rate Class A Credit Card Participation Certificates, Series 1995-11
    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
       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

                       (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 February 24, 1998 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 February 24, 1998

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


This Certificate relates to the Due Period ending February  24,  1998  and
the related Distribution Date.

A.  Information Regarding the Portfolio
    -----------------------------------

    1.  Portfolio Yield.........................................         12.20%

          Yield Component.......................................         18.61%

          Credit Loss Component.................................          6.41%

    2.  New Purchase Rate.......................................         16.78%

    3.  Total Payment Rate......................................         19.15%

    4.  Principal Payment Rate..................................         18.14%

    5.  Aggregate Amount of Principal Receivables in the Trust:

          Beginning of Due Period..............................$ 33,907,160,420

          Average..............................................$ 33,232,481,989

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

          End of Due Period....................................$ 33,068,162,665

    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............................................$ 29,581,881,630
               5-34 days delinquent............................$  2,284,337,554
              35-64 days delinquent............................$    670,525,099
              65-94 days delinquent............................$    391,759,395
             95-124 days delinquent............................$    283,613,355
            125-154 days delinquent............................$    237,518,820
            155-184 days delinquent............................$    192,231,184

            Current.............................................         87.94%
               5-34 days delinquent.............................          6.79%
              35-64 days delinquent.............................          1.99%
              65-94 days delinquent.............................          1.16%
             95-124 days delinquent.............................          0.84%
            125-154 days delinquent.............................          0.71%
            155-184 days delinquent.............................          0.57%

                                       4
<PAGE>


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

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

                  CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending February 24, 1998

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

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

   1.  Portfolio Yield                              12.20%              12.20%
   2.  Weighted Average Certificate Rate             6.44%               6.41%
   3.  Weighted Average Investor Fee Rates
           Fixed Servicing Fee                       0.44%               0.44%
           Others                                    0.14%               0.14%
   4.  Surplus Finance Charge Collections            5.18%               5.21%
   5.  Required Surplus Finance Charge Amount        0.00%               0.00%
   6.  Aggregate Surplus Finance Charge Amount       5.18%               5.21%
        minus Required Surplus Finance Charge Amount

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

   1.  Total Investor Collections                 $5,491,795,269 $ 5,491,684,435
           Principal Collections                  $5,101,321,658 $ 5,101,321,658
           Finance Charge Collections             $  390,473,611 $   390,362,777
   2.  Investor Default Amount                    $  135,261,615 $   135,261,615
   3.  Investor Monthly Interest                  $  145,846,877 $   144,988,433
   4.  Investor Monthly Fees
           Fixed Servicing Fees                   $   10,164,254 $    10,191,593
           Others                                 $    3,056,851 $     3,051,834
   5.  Surplus Finance Charge Collections         $   96,144,014 $    96,869,302
   6.  Required Surplus Finance Charge Collections$            0 $             0
   7.  Aggregate Surplus Finance Charge Amount    $   96,144,014 $    96,869,302
       minus Required Surplus Finance Charge Amount


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

       All percents are based on actual cash revenue or expense for the  period,
       converted  to  an  annualized percent using daycounts appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash  expenses  may accrue from January 28, 1998 to February 24, 1998, 28
       days, or February 9 , 1998 to March 8 , 1998, 28 days (standard basis).


                                       5
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1991-3 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 1991-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    291,666,667

   1b.  Class B Invested Amount         ......................$    109,000,000

   2a.  Class A Monthly Interest .............................$      2,696,398

   2b.  Class B Monthly Interest .............................$        840,208

   3a.  Balance in the Class A Interest Funding Account.......$     12,942,708

   3b.  Balance in the Class B Interest Funding Account.......$      1,680,417

   4a.  Available Cash Collateral Amount......................$     68,880,000

   4b.  Percent of Class B Invested Amount         ............         63.19%

   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)$     72,916,667

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    583,333,333

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1991-3
                   For the Due Period Ending February 24, 1998

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


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...............................$  583,333,333

    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 1991-3
                   For the Due Period Ending February 24, 1998

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

          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 1991-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       8
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1991-6 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 1991-6
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    566,666,667

   1b.  Class B Invested Amount         ......................$    105,500,000

   2a.  Class A Monthly Interest .............................$      4,183,594

   2b.  Class B Monthly Interest .............................$        734,104

   3a.  Balance in the Class A Interest Funding Account.......$     22,312,500

   3b.  Balance in the Class B Interest Funding Account.......$      2,936,417

   4a.  Available Cash Collateral Amount......................$     66,885,000

   4b.  Percent of Class B Invested Amount         ............         63.40%

   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)$     70,833,333

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    283,333,333

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1991-6
                  For the Due Period Ending February 24, 1998

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


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...............................$  283,333,333

    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 1991-6
                  For the Due Period Ending February 24, 1998

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

          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 1991-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       11
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     22,312,500

   3b.  Balance in the Class B Interest Funding Account.......$      1,476,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1993-2
                  For the Due Period Ending February 24, 1998

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


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....................$   22,312,500

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,476,000

    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........$   22,312,500

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,476,000

    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.

                                       13
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       14
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1993-3 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 1993-3
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,151,042

   2b.  Class B Monthly Interest .............................$        228,000

   3a.  Balance in the Class A Interest Funding Account.......$      6,875,000

   3b.  Balance in the Class B Interest Funding Account.......$        456,000

   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)$     62,500,000

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    125,000,000

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1993-3
                  For the Due Period Ending February 24, 1998

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


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...............................$  125,000,000

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            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 1993-3
                  For the Due Period Ending February 24, 1998

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

          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 1993-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       17
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     28,395,833

   3b.  Balance in the Class B Interest Funding Account.......$      1,875,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1994-2
                  For the Due Period Ending February 24, 1998

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


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.

                                       19
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                        Title:  Servicing Officer

                                       21
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1994-3 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 1994-3
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      2,833,333

   2b.  Class B Monthly Interest .............................$        186,667

   3a.  Balance in the Class A Interest Funding Account.......$     14,166,667

   3b.  Balance in the Class B Interest Funding Account.......$        933,333

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       22
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending February 24, 1998

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


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.

                                       23
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending February 24, 1998

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

          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 1994-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       24
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$        223,067

   3a.  Balance in the Class A Interest Funding Account.......$     20,625,000

   3b.  Balance in the Class B Interest Funding Account.......$        223,067

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       25
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending February 24, 1998

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


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

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

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      223,067

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

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

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

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      223,067

    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.

                                       26
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       27
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      8,593,750

   3b.  Balance in the Class B Interest Funding Account.......$        563,333

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       28
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending February 24, 1998

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


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.

                                       29
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer


                                       30
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$        183,089

   3a.  Balance in the Class A Interest Funding Account.......$      4,088,542

   3b.  Balance in the Class B Interest Funding Account.......$        183,089

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       31
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending February 24, 1998

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


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....................$      183,089

    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........$      183,089

    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.

                                       32
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       33
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-5 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 1995-5
    ------------------------------------

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

   1b.  Class B Invested Amount         ......................$     64,000,000

   2a.  Class A Monthly Interest .............................$      5,687,500

   2b.  Class B Monthly Interest .............................$        292,444

   3a.  Balance in the Class A Interest Funding Account.......$      5,687,500

   3b.  Balance in the Class B Interest Funding Account.......$        292,444

   4a.  Available Cash Collateral Amount......................$     74,480,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       34
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending February 24, 1998

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


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....................$      292,444

    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........$      292,444

    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.

                                       35
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending February 24, 1998

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

          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 1995-5 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       36
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-6 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 1995-6
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      4,218,750

   2b.  Class B Monthly Interest .............................$        276,000

   3a.  Balance in the Class A Interest Funding Account.......$     12,656,250

   3b.  Balance in the Class B Interest Funding Account.......$        828,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       37
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending February 24, 1998

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


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.

                                       38
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending February 24, 1998

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

          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 1995-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer


                                       39
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-8 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 1995-8
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      2,233,333

   2b.  Class B Monthly Interest .............................$        145,791

   3a.  Balance in the Class A Interest Funding Account.......$     13,400,000

   3b.  Balance in the Class B Interest Funding Account.......$        874,745

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       40
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending February 24, 1998

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


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....................$   13,400,000

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      874,745

    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........$   13,400,000

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      874,745

    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.

                                       41
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending February 24, 1998

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

          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 1995-8 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     13,645,833

   3b.  Balance in the Class B Interest Funding Account.......$        886,667

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       43
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending February 24, 1998

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


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.

                                       44
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer


                                       46
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-10 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 1995-10
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,687,500

   2b.  Class B Monthly Interest .............................$        242,000

   3a.  Balance in the Class A Interest Funding Account.......$      3,687,500

   3b.  Balance in the Class B Interest Funding Account.......$        242,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       47
<PAGE>

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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 24, 1998

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


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.

                                       48
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 24, 1998

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

          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 1995-10 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       49
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-11 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 1995-11
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,040,104

   2b.  Class B Monthly Interest .............................$        197,600

   3a.  Balance in the Class A Interest Funding Account.......$      3,040,104

   3b.  Balance in the Class B Interest Funding Account.......$        197,600

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       50
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 24, 1998

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


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....................$      197,600

    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........$      197,600

    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.

                                       51
<PAGE>

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 24, 1998

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

          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 1995-11 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       52
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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......................$    840,882,879

   1b.  Class B Accreted Invested Amount......................$     53,580,880

   2a.  Class A Monthly Accretion.............................$      4,057,743

   2b.  Class B Monthly Accretion.............................$        265,121

   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......................$     62,670,427

   4b.  Percent of Class B Accreted Invested Amount............        116.96%

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       53
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending February 24, 1998

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


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.

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

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       55
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     12,879,563

   3b.  Balance in the Class B Interest Funding Account.......$        844,440

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       56
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending February 24, 1998

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


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....................$   12,879,562

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      844,440

    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........$   12,879,562

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      844,440

    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.

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

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       58
<PAGE>

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     15,215,780

   3b.  Balance in the Class B Interest Funding Account.......$      1,001,595

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       59
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending February 24, 1998

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


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....................$   15,215,780

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,001,595

    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........$   15,215,780

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,001,595

    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.

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 10, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      4,093,750

   3b.  Balance in the Class B Interest Funding Account.......$        268,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       62
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending February 24, 1998

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


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.

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

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

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      2,279,667

   3b.  Balance in the Class B Interest Funding Account.......$        148,749

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       65
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending February 24, 1998

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


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.

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

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

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 10, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer


                                       67
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     12,762,000

   3b.  Balance in the Class B Interest Funding Account.......$        838,068

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       68
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending February 24, 1998

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


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....................$   12,762,000

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      838,068

    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........$   12,762,000

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      838,068

    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.

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

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

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 10, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       70
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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......................$    663,584,727

   1b.  Class B Accreted Invested Amount......................$     42,070,063

   2a.  Class A Monthly Accretion.............................$      3,496,603

   2b.  Class B Monthly Accretion.............................$        226,799

   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......................$     49,575,318

   4b.  Percent of Class B Accreted Invested Amount............        117.84%

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending February 24, 1998

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


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

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

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

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

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

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

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

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      3,307,292

   3b.  Balance in the Class B Interest Funding Account.......$        215,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending February 24, 1998

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


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

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

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

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

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

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

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

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$      3,356,719

   2b.  Class B Monthly Interest .............................$        209,700

   3a.  Balance in the Class A Interest Funding Account.......$     11,313,385

   3b.  Balance in the Class B Interest Funding Account.......$        209,700

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending February 24, 1998

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


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....................$   11,313,385

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      209,700

    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........$   11,313,385

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      209,700

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$      2,109,375

   2b.  Class B Monthly Interest .............................$        138,840

   3a.  Balance in the Class A Interest Funding Account.......$      2,109,375

   3b.  Balance in the Class B Interest Funding Account.......$        138,840

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending February 24, 1998

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


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....................$    2,109,375

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      138,840

    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........$    2,109,375

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      138,840

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

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


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

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

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

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending February 24, 1998

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

          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 Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1998-1
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      7,307,292

   3b.  Balance in the Class B Interest Funding Account.......$        477,833

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       83
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-1
                  For the Due Period Ending February 24, 1998

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


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.

                                       84
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-1
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       85
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-2
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      5,041,667

   3b.  Balance in the Class B Interest Funding Account.......$        330,667

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       86
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-2
                  For the Due Period Ending February 24, 1998

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


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.

                                       87
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1998-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       88
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-3
                  For the Due Period Ending February 24, 1998

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$      3,826,389

   2b.  Class B Monthly Interest .............................$        251,222

   3a.  Balance in the Class A Interest Funding Account.......$      3,826,389

   3b.  Balance in the Class B Interest Funding Account.......$        251,222

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       89
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-3
                  For the Due Period Ending February 24, 1998

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


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.

                                       90
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1998-3
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.


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


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       91
<PAGE>
                                   SIGNATURES

                 Pursuant to the requirements of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                                CITIBANK (SOUTH DAKOTA), N.A.,
                                as Servicer
                                Citibank Credit Card Master Trust I



                          By: /s/ Eugene D. Rowenhorst
                             ----------------------------------------------
                              Eugene D. Rowenhorst
                              Senior Vice President


Date: March 18, 1998

                                       92
<PAGE>
[{"type": "8-K", "sequence": "1", "description": "CITIBANK CREDIT CARD MASTER TRUST I", "secsgml_size_bytes": 230974}]
{"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": "98573727"}, "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): March 9, 1998
                      ------------------------------------

                          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

      8 7/8% Class A Credit Card Participation Certificates, Series 1991-3
      9 1/4% Class B Credit Card Participation Certificates, Series 1991-3
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       5.50% Class A Credit Card Participation Certificates, Series 1993-3
       5.70% Class B Credit Card Participation Certificates, Series 1993-3
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       6.80% Class A Credit Card Participation Certificates, Series 1994-3
       7.00% Class B Credit Card Participation Certificates, Series 1994-3
       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

                                                       (cover page 1 of 2 pages)
                                       1
7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-5
       6.75% Class A Credit Card Participation Certificates, Series 1995-6
       6.90% Class B Credit Card Participation Certificates, Series 1995-6
       6.70% Class A Credit Card Participation Certificates, Series 1995-8
       6.85% Class B Credit Card Participation Certificates, Series 1995-8
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
      5.90% Class A Credit Card Participation Certificates, Series 1995-10
      6.05% Class B Credit Card Participation Certificates, Series 1995-10
  Floating Rate Class A Credit Card Participation Certificates, Series 1995-11
    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
       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

                       (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 February 24, 1998 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 February 24, 1998

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

This Certificate relates to the Due Period ending February  24,  1998  and
the related Distribution Date.

A.  Information Regarding the Portfolio
    -----------------------------------

    1.  Portfolio Yield.........................................         12.20%

          Yield Component.......................................         18.61%

          Credit Loss Component.................................          6.41%

    2.  New Purchase Rate.......................................         16.78%

    3.  Total Payment Rate......................................         19.15%

    4.  Principal Payment Rate..................................         18.14%

    5.  Aggregate Amount of Principal Receivables in the Trust:

          Beginning of Due Period..............................$ 33,907,160,420

          Average..............................................$ 33,232,481,989

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

          End of Due Period....................................$ 33,068,162,665

    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............................................$ 29,581,881,630
               5-34 days delinquent............................$  2,284,337,554
              35-64 days delinquent............................$    670,525,099
              65-94 days delinquent............................$    391,759,395
             95-124 days delinquent............................$    283,613,355
            125-154 days delinquent............................$    237,518,820
            155-184 days delinquent............................$    192,231,184

            Current.............................................         87.94%
               5-34 days delinquent.............................          6.79%
              35-64 days delinquent.............................          1.99%
              65-94 days delinquent.............................          1.16%
             95-124 days delinquent.............................          0.84%
            125-154 days delinquent.............................          0.71%
            155-184 days delinquent.............................          0.57%

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

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

                  CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending February 24, 1998

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

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

   1.  Portfolio Yield                              12.20%              12.20%
   2.  Weighted Average Certificate Rate             6.44%               6.41%
   3.  Weighted Average Investor Fee Rates
           Fixed Servicing Fee                       0.44%               0.44%
           Others                                    0.14%               0.14%
   4.  Surplus Finance Charge Collections            5.18%               5.21%
   5.  Required Surplus Finance Charge Amount        0.00%               0.00%
   6.  Aggregate Surplus Finance Charge Amount       5.18%               5.21%
        minus Required Surplus Finance Charge Amount

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

   1.  Total Investor Collections                 $5,491,795,269 $ 5,491,684,435
           Principal Collections                  $5,101,321,658 $ 5,101,321,658
           Finance Charge Collections             $  390,473,611 $   390,362,777
   2.  Investor Default Amount                    $  135,261,615 $   135,261,615
   3.  Investor Monthly Interest                  $  145,846,877 $   144,988,433
   4.  Investor Monthly Fees
           Fixed Servicing Fees                   $   10,164,254 $    10,191,593
           Others                                 $    3,056,851 $     3,051,834
   5.  Surplus Finance Charge Collections         $   96,144,014 $    96,869,302
   6.  Required Surplus Finance Charge Collections$            0 $             0
   7.  Aggregate Surplus Finance Charge Amount    $   96,144,014 $    96,869,302
       minus Required Surplus Finance Charge Amount

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

       All percents are based on actual cash revenue or expense for the  period,
       converted  to  an  annualized percent using daycounts appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash  expenses  may accrue from January 28, 1998 to February 24, 1998, 28
       days, or February 9 , 1998 to March 8 , 1998, 28 days (standard basis).

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1991-3 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 1991-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    291,666,667

   1b.  Class B Invested Amount         ......................$    109,000,000

   2a.  Class A Monthly Interest .............................$      2,696,398

   2b.  Class B Monthly Interest .............................$        840,208

   3a.  Balance in the Class A Interest Funding Account.......$     12,942,708

   3b.  Balance in the Class B Interest Funding Account.......$      1,680,417

   4a.  Available Cash Collateral Amount......................$     68,880,000

   4b.  Percent of Class B Invested Amount         ............         63.19%

   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)$     72,916,667

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    583,333,333

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1991-3
                   For the Due Period Ending February 24, 1998

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

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...............................$  583,333,333

    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 1991-3
                   For the Due Period Ending February 24, 1998

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

          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 1991-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       8
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1991-6
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1991-6 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 1991-6
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    566,666,667

   1b.  Class B Invested Amount         ......................$    105,500,000

   2a.  Class A Monthly Interest .............................$      4,183,594

   2b.  Class B Monthly Interest .............................$        734,104

   3a.  Balance in the Class A Interest Funding Account.......$     22,312,500

   3b.  Balance in the Class B Interest Funding Account.......$      2,936,417

   4a.  Available Cash Collateral Amount......................$     66,885,000

   4b.  Percent of Class B Invested Amount         ............         63.40%

   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)$     70,833,333

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    283,333,333

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1991-6
                  For the Due Period Ending February 24, 1998

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

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...............................$  283,333,333

    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 1991-6
                  For the Due Period Ending February 24, 1998

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

          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 1991-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       11
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     22,312,500

   3b.  Balance in the Class B Interest Funding Account.......$      1,476,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1993-2
                  For the Due Period Ending February 24, 1998

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

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....................$   22,312,500

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,476,000

    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........$   22,312,500

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,476,000

    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.

                                       13
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       14
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1993-3 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 1993-3
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,151,042

   2b.  Class B Monthly Interest .............................$        228,000

   3a.  Balance in the Class A Interest Funding Account.......$      6,875,000

   3b.  Balance in the Class B Interest Funding Account.......$        456,000

   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)$     62,500,000

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    125,000,000

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1993-3
                  For the Due Period Ending February 24, 1998

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

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...............................$  125,000,000

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            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 1993-3
                  For the Due Period Ending February 24, 1998

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

          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 1993-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       17
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     28,395,833

   3b.  Balance in the Class B Interest Funding Account.......$      1,875,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              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 1994-2
                  For the Due Period Ending February 24, 1998

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

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.

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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                        Title:  Servicing Officer

                                       21
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1994-3 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 1994-3
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      2,833,333

   2b.  Class B Monthly Interest .............................$        186,667

   3a.  Balance in the Class A Interest Funding Account.......$     14,166,667

   3b.  Balance in the Class B Interest Funding Account.......$        933,333

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       22
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending February 24, 1998

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

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.

                                       23
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending February 24, 1998

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

          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 1994-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       24
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$        223,067

   3a.  Balance in the Class A Interest Funding Account.......$     20,625,000

   3b.  Balance in the Class B Interest Funding Account.......$        223,067

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       25
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending February 24, 1998

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

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

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

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      223,067

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

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

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

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      223,067

    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.

                                       26
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       27
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      8,593,750

   3b.  Balance in the Class B Interest Funding Account.......$        563,333

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       28
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending February 24, 1998

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

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.

                                       29
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       30
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$        183,089

   3a.  Balance in the Class A Interest Funding Account.......$      4,088,542

   3b.  Balance in the Class B Interest Funding Account.......$        183,089

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       31
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending February 24, 1998

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

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....................$      183,089

    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........$      183,089

    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.

                                       32
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       33
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-5 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 1995-5
    ------------------------------------

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

   1b.  Class B Invested Amount         ......................$     64,000,000

   2a.  Class A Monthly Interest .............................$      5,687,500

   2b.  Class B Monthly Interest .............................$        292,444

   3a.  Balance in the Class A Interest Funding Account.......$      5,687,500

   3b.  Balance in the Class B Interest Funding Account.......$        292,444

   4a.  Available Cash Collateral Amount......................$     74,480,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       34
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending February 24, 1998

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

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....................$      292,444

    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........$      292,444

    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.

                                       35
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending February 24, 1998

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

          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 1995-5 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       36
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-6 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 1995-6
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      4,218,750

   2b.  Class B Monthly Interest .............................$        276,000

   3a.  Balance in the Class A Interest Funding Account.......$     12,656,250

   3b.  Balance in the Class B Interest Funding Account.......$        828,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       37
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending February 24, 1998

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

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.

                                       38
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending February 24, 1998

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

          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 1995-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       39
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-8 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 1995-8
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      2,233,333

   2b.  Class B Monthly Interest .............................$        145,791

   3a.  Balance in the Class A Interest Funding Account.......$     13,400,000

   3b.  Balance in the Class B Interest Funding Account.......$        874,745

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       40
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending February 24, 1998

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

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....................$   13,400,000

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      874,745

    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........$   13,400,000

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      874,745

    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.

                                       41
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending February 24, 1998

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

          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 1995-8 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     13,645,833

   3b.  Balance in the Class B Interest Funding Account.......$        886,667

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       43
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending February 24, 1998

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

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.

                                       44
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       46
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-10 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 1995-10
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,687,500

   2b.  Class B Monthly Interest .............................$        242,000

   3a.  Balance in the Class A Interest Funding Account.......$      3,687,500

   3b.  Balance in the Class B Interest Funding Account.......$        242,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       47
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 24, 1998

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

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.

                                       48
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 24, 1998

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

          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 1995-10 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       49
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 1995-11 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 1995-11
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,040,104

   2b.  Class B Monthly Interest .............................$        197,600

   3a.  Balance in the Class A Interest Funding Account.......$      3,040,104

   3b.  Balance in the Class B Interest Funding Account.......$        197,600

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       50
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 24, 1998

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

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....................$      197,600

    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........$      197,600

    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.

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 24, 1998

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

          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 1995-11 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       52
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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......................$    840,882,879

   1b.  Class B Accreted Invested Amount......................$     53,580,880

   2a.  Class A Monthly Accretion.............................$      4,057,743

   2b.  Class B Monthly Accretion.............................$        265,121

   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......................$     62,670,427

   4b.  Percent of Class B Accreted Invested Amount............        116.96%

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       53
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending February 24, 1998

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

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.

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

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       55
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     12,879,563

   3b.  Balance in the Class B Interest Funding Account.......$        844,440

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       56
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending February 24, 1998

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

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....................$   12,879,562

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      844,440

    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........$   12,879,562

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      844,440

    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.

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

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     15,215,780

   3b.  Balance in the Class B Interest Funding Account.......$      1,001,595

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       59
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending February 24, 1998

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

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....................$   15,215,780

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,001,595

    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........$   15,215,780

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,001,595

    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.

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 10, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      4,093,750

   3b.  Balance in the Class B Interest Funding Account.......$        268,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       62
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending February 24, 1998

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

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.

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

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

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      2,279,667

   3b.  Balance in the Class B Interest Funding Account.......$        148,749

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       65
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending February 24, 1998

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

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.

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

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

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 10, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       67
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$     12,762,000

   3b.  Balance in the Class B Interest Funding Account.......$        838,068

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       68
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending February 24, 1998

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

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....................$   12,762,000

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      838,068

    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........$   12,762,000

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      838,068

    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.

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

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

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 10, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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......................$    663,584,727

   1b.  Class B Accreted Invested Amount......................$     42,070,063

   2a.  Class A Monthly Accretion.............................$      3,496,603

   2b.  Class B Monthly Accretion.............................$        226,799

   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......................$     49,575,318

   4b.  Percent of Class B Accreted Invested Amount............        117.84%

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending February 24, 1998

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      3,307,292

   3b.  Balance in the Class B Interest Funding Account.......$        215,000

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending February 24, 1998

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$      3,356,719

   2b.  Class B Monthly Interest .............................$        209,700

   3a.  Balance in the Class A Interest Funding Account.......$     11,313,385

   3b.  Balance in the Class B Interest Funding Account.......$        209,700

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending February 24, 1998

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

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....................$   11,313,385

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      209,700

    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........$   11,313,385

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      209,700

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$      2,109,375

   2b.  Class B Monthly Interest .............................$        138,840

   3a.  Balance in the Class A Interest Funding Account.......$      2,109,375

   3b.  Balance in the Class B Interest Funding Account.......$        138,840

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

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

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

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending February 24, 1998

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

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....................$    2,109,375

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      138,840

    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........$    2,109,375

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      138,840

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

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

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

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

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

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending February 24, 1998

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

          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 Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

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

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

               Citibank Credit Card Master Trust I, Series 1998-1
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      7,307,292

   3b.  Balance in the Class B Interest Funding Account.......$        477,833

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       83
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-1
                  For the Due Period Ending February 24, 1998

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

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.

                                       84
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-1
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       85
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-2
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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.......$      5,041,667

   3b.  Balance in the Class B Interest Funding Account.......$        330,667

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       86
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-2
                  For the Due Period Ending February 24, 1998

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

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.

                                       87
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-2
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 16, 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       88
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-3
                  For the Due Period Ending February 24, 1998

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

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  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 .............................$      3,826,389

   2b.  Class B Monthly Interest .............................$        251,222

   3a.  Balance in the Class A Interest Funding Account.......$      3,826,389

   3b.  Balance in the Class B Interest Funding Account.......$        251,222

   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(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

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

                                       89
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-3
                  For the Due Period Ending February 24, 1998

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

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.

                                       90
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1998-3
                  For the Due Period Ending February 24, 1998

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

          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  Sup-
     plement"),  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 March 9 , 1998.

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 18th day of
                  March 1998.

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

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       91
SIGNATURES

                 Pursuant to the requirements of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                                CITIBANK (SOUTH DAKOTA), N.A.,
                                as Servicer
                                Citibank Credit Card Master Trust I

                          By: /s/ Eugene D. Rowenhorst
                             ----------------------------------------------
                              Eugene D. Rowenhorst
                              Senior Vice President

Date: March 18, 1998

                                       92