SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

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

                                    FORM 8-K


                                 CURRENT REPORT

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



Date of Report (Date of earliest event reported):               August 7, 1996


                          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

      8-1/2% Class A Credit Card Participation Certificates, Series 1991-1
        9% Class B Credit Card Participation Certificates, Series 1991-1
        8% Class A Credit Card Participation Certificates, Series 1991-4
      8-1/4% Class B Credit Card Participation Certificates, Series 1991-4
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
      6 1/4% Class B Credit Card Participation Certificates, Series 1992-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1992-3
   Floating Rate Class B Credit Card Participation Certificates, Series 1992-3
      5 1/2% Class B Credit Card Participation Certificates, Series 1993-1
      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
      4.65% Class A Credit Card Participation Certificates, Series 1994-1
      4.85% Class B Credit Card Participation Certificates, Series 1994-1
      7.25% Class A Credit Card Participation Certificates, Series 1994-2



<PAGE>

       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
      8-5/8% Class A Credit Card Participation Certificates, Series 1995-2
      7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-4
       7.65% Class B Credit Card Participation Certificates, Series 1995-4
   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
                      (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)



        UNITED STATES OF AMERICA                      46-0358360
     (State or other jurisdiction of       (I.R.S. Employer Identification No.)
          incorporation)

      33-38312, 33-41054, 33-41055, 33-42235, 33-43575, 33-43576, 33-47657,
     33-48148, 33-52152, 33-62180, 33-77802, 33-84834, 33-97664 and 33-99328
                              (Commission File No.)



             701 EAST 60TH ST., 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.)
<PAGE>
ITEM 5.  OTHER EVENTS.

         Set forth below is the monthly  report and servicer's  certificate  for
each  Series  referenced  on the cover page of this Form 8-K  (each,  a "Monthly
Report")  for the Due Period  ending July 26, 1996 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
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.

<PAGE>



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

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

                      CITIBANK  CREDIT  CARD  MASTER  TRUST I For the Due Period
                    Ending July 26, 1996

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

This Certificate  relates to the Due Period ending July 26, 1996 and the related
Distribution Date.

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

   1. Portfolio Yield .........................................           12.11%

         Yield Component ......................................           17.81%

         Credit Loss Component ................................            5.70%

   2. New Purchase Rate .......................................           19.47%

   3. Total Payment Rate ......................................           19.74%

   4. Principal Payment Rate ..................................           18.67%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$  31,554,789,070

         Average ..............................................$  31,370,423,451

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

         End of Due Period ....................................$  31,370,828,373

   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 ..............................................$  28,276,864,068
            5-34 days delinquent ..............................$   1,932,054,561
           35-64 days delinquent ..............................$     640,077,208
           65-94 days delinquent ..............................$     342,647,168
          95-124 days delinquent ..............................$     234,856,856
         125-154 days delinquent ..............................$     185,399,264
         155-184 days delinquent ..............................$     149,495,980

         Current ...............................................          89.03%
            5-34 days delinquent ...............................           6.08%
           35-64 days delinquent ...............................           2.02%
           65-94 days delinquent ...............................           1.08%
          95-124 days delinquent ...............................           0.74%
         125-154 days delinquent ...............................           0.58%
         155-184 days delinquent ...............................           0.47%
<PAGE>
                                       2


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

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

                 CITIBANK  CREDIT  CARD  MASTER  TRUST  I -  GROUP 1 For the Due
                    Period Ending July 26, 1996

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

                                             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                               12.11%                12.11%
   2. Weighted Average Certificate Rate              6.35%                 6.35%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.73%                 0.73%
          Others                                     0.05%                 0.05%
   4. Surplus Finance Charge Collections             4.98%                 4.98%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        4.98%                 4.98%
      minus Required Surplus Finance Charge Amount
C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1. Total Investor Collections                  $5,059,426,326  $5,059,426,326
          Principal Collections                   $4,716,424,837  $4,716,424,837
          Finance Charge Collections              $  343,001,489  $  343,001,489
   2. Investor Default Amount                     $  109,651,333  $  109,651,333
   3. Investor Monthly Interest                   $  121,222,621  $  121,222,621
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $   13,884,739  $   13,884,739
          Others                                  $    1,018,979  $      996,499
   5. Surplus Finance Charge Collections          $   97,223,818  $   97,246,297
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $   97,223,818  $   97,246,297
      minus Required Surplus Finance Charge Amount

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

       All  percents are based on actual cash revenue or expense for the period,
       converted to an annualized  percent using  daycounts  appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash expenses may accrue from June 26, 1996 to July 26, 1996, 31 days, or
       July 8 , 1996 to August 6 , 1996, 30 days (standard basis).

<PAGE>
                                       3



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

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

               Citibank Credit Card Master Trust I, Series 1991-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1991-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1991-1
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $              0

 2b. Class B Monthly Interest        .......................... $        697,500

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

 3b. Balance in the Class B Interest Funding Account .......... $      2,790,000

 4a. Available Cash Collateral Amount ......................... $     67,440,000

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

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

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

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

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

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

 8b. Class B Monthly Principal for the Distribution Date(2).... $     93,000,000

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $    186,000,000
     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       4


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

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

               Citibank Credit Card Master Trust I, Series 1991-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $    188,790,000

 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 ...... $    186,000,000

 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 ....... $      2,790,000

 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 .............................. $    186,000,000


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

<PAGE>
                                       5


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

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

               Citibank Credit Card Master Trust I, Series 1991-1
                    For the Due Period Ending July 26, 1996

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

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

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.
         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President


<PAGE>
                                       6


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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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         .......................... $    875,000,000

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

 2a. Class A Monthly Interest        .......................... $      6,471,354

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

 3a. Balance in the Class A Interest Funding Account .......... $      6,471,354

 3b. Balance in the Class B Interest Funding Account .......... $        840,208

 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).... $              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.
<PAGE>
                                       7


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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       8

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President




<PAGE>
                                       9


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

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

               Citibank Credit Card Master Trust I, Series 1991-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1991-4  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1991-4
   ------------------------------------------

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

 1b. Class B Invested Amount         .......................... $    155,000,000

 2a. Class A Monthly Interest        .......................... $        694,444

 2b. Class B Monthly Interest        .......................... $      1,065,625

 3a. Balance in the Class A Interest Funding Account .......... $     50,000,000

 3b. Balance in the Class B Interest Funding Account .......... $      6,393,750

 4a. Available Cash Collateral Amount ......................... $     98,350,000

 4b. Percent of Class B Invested Amount         ...............           63.45%

 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).... $    104,166,667

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

 9a. Balance in the Class A Principal Funding Account(2)....... $  1,250,000,000

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       10


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

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

               Citibank Credit Card Master Trust I, Series 1991-4
                    For the Due Period Ending July 26, 1996

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

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 ................... $  1,300,000,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      6,393,750

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $  1,250,000,000

 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 ....... $     50,000,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      6,393,750

 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 .............................. $  1,250,000,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       11


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

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

               Citibank Credit Card Master Trust I, Series 1991-4
                    For the Due Period Ending July 26, 1996

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

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

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       12


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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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         .......................... $    850,000,000

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

 2a. Class A Monthly Interest        .......................... $      5,578,125

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

 3a. Balance in the Class A Interest Funding Account .......... $     16,734,375

 3b. Balance in the Class B Interest Funding Account .......... $      2,202,313

 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).... $              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.
<PAGE>
                                       13


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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       14

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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       15



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

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

               Citibank Credit Card Master Trust I, Series 1992-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1992-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,550,000,000

 1b. Class B Invested Amount         .......................... $    134,800,000

 2a. Class A Monthly Interest        .......................... $      7,308,026

 2b. Class B Monthly Interest        .......................... $        702,083

 3a. Balance in the Class A Interest Funding Account .......... $      7,308,026

 3b. Balance in the Class B Interest Funding Account .......... $      4,212,500

 4a. Available Cash Collateral Amount ......................... $    105,300,000

 4b. Percent of Class B Invested Amount         ...............           78.12%
 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.
<PAGE>
                                       16


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

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

               Citibank Credit Card Master Trust I, Series 1992-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $      7,308,026

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      4,212,500

 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 ....... $      7,308,026

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      4,212,500

 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 to be included only
         on Payment Date.


<PAGE>
                                       17

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

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

               Citibank Credit Card Master Trust I, Series 1992-1
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       18



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

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

               Citibank Credit Card Master Trust I, Series 1992-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-3  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1992-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,250,000,000

 1b. Class B Invested Amount         .......................... $     80,000,000

 2a. Class A Monthly Interest        .......................... $      6,364,989

 2b. Class B Monthly Interest        .......................... $        429,748

 3a. Balance in the Class A Interest Funding Account .......... $     12,114,011

 3b. Balance in the Class B Interest Funding Account .......... $        817,908

 4a. Available Cash Collateral Amount ......................... $     93,100,000

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       19


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

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

               Citibank Credit Card Master Trust I, Series 1992-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       20

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

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

               Citibank Credit Card Master Trust I, Series 1992-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-3  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 15, 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       21



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

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

               Citibank Credit Card Master Trust I, Series 1993-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1993-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1993-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    850,000,000

 1b. Class B Invested Amount         .......................... $     74,000,000

 2a. Class A Monthly Interest        .......................... $      4,007,627

 2b. Class B Monthly Interest        .......................... $        339,167

 3a. Balance in the Class A Interest Funding Account .......... $      4,007,627

 3b. Balance in the Class B Interest Funding Account .......... $      2,035,000

 4a. Available Cash Collateral Amount ......................... $     55,440,000

 4b. Percent of Class B Invested Amount         ...............           74.92%

 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.
<PAGE>
                                       22


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

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

               Citibank Credit Card Master Trust I, Series 1993-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $      4,007,627

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      2,035,000

 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 ....... $      4,007,627

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      2,035,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       23
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1993-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       24



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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

 1a. Class A Invested Amount         .......................... $    750,000,000
 1b. Class B Invested Amount         .......................... $     48,000,000

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

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

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

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

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

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       25


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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending July 26, 1996

================================================================================
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 to be included only
         on Payment Date.

<PAGE>
                                       26

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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
<PAGE>
                                       27




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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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         .......................... $    750,000,000

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

 2a. Class A Monthly Interest        .......................... $      3,437,500

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

 3a. Balance in the Class A Interest Funding Account .......... $      3,437,500

 3b. Balance in the Class B Interest Funding Account .......... $        228,000

 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.
<PAGE>
                                       28


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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       29

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
<PAGE>
                                       30

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

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

               Citibank Credit Card Master Trust I, Series 1994-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1994-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1994-1
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      2,906,250

 2b. Class B Monthly Interest        .......................... $        194,000

 3a. Balance in the Class A Interest Funding Account .......... $     17,437,500

 3b. Balance in the Class B Interest Funding Account .......... $      1,164,000

 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.
<PAGE>
                                       31


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

               Citibank Credit Card Master Trust I, Series 1994-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $     17,437,500

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,164,000

 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 ....... $     17,437,500

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,164,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       32

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

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

               Citibank Credit Card Master Trust I, Series 1994-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1994-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.
         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 16th day of August 1996.

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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       33



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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       34


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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       35


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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President


<PAGE>
                                       36


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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                    For the Due Period Ending July 26, 1996

================================================================================
     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $     11,333,333

 3b. Balance in the Class B Interest Funding Account .......... $        746,667

 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.
<PAGE>
                                       37


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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       38

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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.
         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       39



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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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        .......................... $        234,000

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

 3b. Balance in the Class B Interest Funding Account .......... $        234,000

 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.
<PAGE>
                                       40


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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 26, 1996

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

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 ................... $        234,000

 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 ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        234,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       41

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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       42



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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

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

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

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

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

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

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

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

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

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

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

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

 7.  Draw on Cash Collateral Account .......................... $              0
 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       43


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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.


<PAGE>
                                       44


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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       45


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

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

               Citibank Credit Card Master Trust I, Series 1995-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-2  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1995-2
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      3,593,750

 2b. Class B Monthly Interest        .......................... $        154,667

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

 3b. Balance in the Class B Interest Funding Account .......... $        154,667

 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.
<PAGE>
                                       46


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

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

               Citibank Credit Card Master Trust I, Series 1995-2
                    For the Due Period Ending July 26, 1996

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

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 ................... $        154,667

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

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

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0
 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        154,667

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

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


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


<PAGE>
                                       47

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

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

               Citibank Credit Card Master Trust I, Series 1995-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-2  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       48



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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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        .......................... $        192,000

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

 3b. Balance in the Class B Interest Funding Account .......... $        192,000

 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.
<PAGE>
                                       49


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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 26, 1996

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     24,531,250

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        192,000

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

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

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

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        192,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       50

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       51



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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-4  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1995-4
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      4,822,222

 2b. Class B Monthly Interest        .......................... $        408,000

 3a. Balance in the Class A Interest Funding Account .......... $     14,311,111

 3b. Balance in the Class B Interest Funding Account .......... $      2,448,000

 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.
<PAGE>
                                       52


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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                    For the Due Period Ending July 26, 1996

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

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 ................... $     14,311,111

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      2,448,000

 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 ....... $     14,311,111

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      2,448,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       53

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-4  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 15, 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       54



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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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        .......................... $        306,667

 3a. Balance in the Class A Interest Funding Account .......... $     17,062,500

 3b. Balance in the Class B Interest Funding Account .......... $        306,667

 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.
<PAGE>
                                       55


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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                    For the Due Period Ending July 26, 1996

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

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 ................... $     17,062,500

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        306,667

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

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

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $     17,062,500

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        306,667

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

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


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

<PAGE>
                                       56

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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       57



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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $      8,437,500

 3b. Balance in the Class B Interest Funding Account .......... $        552,000

 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.
<PAGE>
                                       58


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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                    For the Due Period Ending July 26, 1996

================================================================================
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 to be included only
         on Payment Date.

<PAGE>
                                       59

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       60



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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $     11,166,667

 3b. Balance in the Class B Interest Funding Account .......... $        728,954

 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.
<PAGE>
                                       61


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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.


<PAGE>
                                       62

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       63



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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       64


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

               Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.

<PAGE>
                                       65

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.
         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 16th day of August 1996.

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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       66



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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $     22,125,000

 3b. Balance in the Class B Interest Funding Account .......... $      1,452,000

 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.
<PAGE>
                                       67


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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                    For the Due Period Ending July 26, 1996

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

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 ................... $     22,125,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,452,000

 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 ....... $     22,125,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,452,000

 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 to be included only
         on Payment Date.

<PAGE>
                                       68


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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       69



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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                    For the Due Period Ending July 26, 1996

================================================================================
     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $      9,120,313

 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.
<PAGE>
                                       70


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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                    For the Due Period Ending July 26, 1996

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

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 ................... $      9,120,313

 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 ....... $      9,120,313

 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 to be included only
         on Payment Date.

<PAGE>
                                       71

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.
         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 15, 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       72



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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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.......................... $    767,383,726

 1b. Class B Accreted Invested Amount.......................... $     48,784,425

 2a. Class A Monthly Accretion       .......................... $      3,703,068

 2b. Class B Monthly Accretion       .......................... $        241,388

 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 ......................... $     57,255,547

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
<PAGE>
                                       73


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

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

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

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

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 to be included only
         on Payment Date.


<PAGE>
                                       74

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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.


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


                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President

<PAGE>
                                       75




                                   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

Dated: August 22, 1996
[{"type": "8-K", "sequence": "1", "description": "CITIBANK CREDIT CARD MASTER TRUST I", "secsgml_size_bytes": 191594}]
{"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": "96629078"}, "business-address": {"street1": "701 E 60TH ST N", "city": "SIOUX FALLS", "state": "SD", "zip": "57117", "phone": "6053312626"}, "mail-address": {"street1": "CITIBANK N A LEGAL AFFAIRS OFFICE", "street2": "425 PARK AVENUE 2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043"}}
SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

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

                                    FORM 8-K

                                 CURRENT REPORT

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

Date of Report (Date of earliest event reported):               August 7, 1996

                          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

      8-1/2% Class A Credit Card Participation Certificates, Series 1991-1
        9% Class B Credit Card Participation Certificates, Series 1991-1
        8% Class A Credit Card Participation Certificates, Series 1991-4
      8-1/4% Class B Credit Card Participation Certificates, Series 1991-4
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
      6 1/4% Class B Credit Card Participation Certificates, Series 1992-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1992-3
   Floating Rate Class B Credit Card Participation Certificates, Series 1992-3
      5 1/2% Class B Credit Card Participation Certificates, Series 1993-1
      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
      4.65% Class A Credit Card Participation Certificates, Series 1994-1
      4.85% Class B Credit Card Participation Certificates, Series 1994-1
      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
      8-5/8% Class A Credit Card Participation Certificates, Series 1995-2
      7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-4
       7.65% Class B Credit Card Participation Certificates, Series 1995-4
   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
                      (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)

        UNITED STATES OF AMERICA                      46-0358360
     (State or other jurisdiction of       (I.R.S. Employer Identification No.)
          incorporation)

      33-38312, 33-41054, 33-41055, 33-42235, 33-43575, 33-43576, 33-47657,
     33-48148, 33-52152, 33-62180, 33-77802, 33-84834, 33-97664 and 33-99328
                              (Commission File No.)

             701 EAST 60TH ST., 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.)
ITEM 5.  OTHER EVENTS.

         Set forth below is the monthly  report and servicer's  certificate  for
each  Series  referenced  on the cover page of this Form 8-K  (each,  a "Monthly
Report")  for the Due Period  ending July 26, 1996 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
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.
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                      CITIBANK  CREDIT  CARD  MASTER  TRUST I For the Due Period
                    Ending July 26, 1996

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

This Certificate  relates to the Due Period ending July 26, 1996 and the related
Distribution Date.

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

   1. Portfolio Yield .........................................           12.11%

         Yield Component ......................................           17.81%

         Credit Loss Component ................................            5.70%

   2. New Purchase Rate .......................................           19.47%

   3. Total Payment Rate ......................................           19.74%

   4. Principal Payment Rate ..................................           18.67%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$  31,554,789,070

         Average ..............................................$  31,370,423,451

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

         End of Due Period ....................................$  31,370,828,373

   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 ..............................................$  28,276,864,068
            5-34 days delinquent ..............................$   1,932,054,561
           35-64 days delinquent ..............................$     640,077,208
           65-94 days delinquent ..............................$     342,647,168
          95-124 days delinquent ..............................$     234,856,856
         125-154 days delinquent ..............................$     185,399,264
         155-184 days delinquent ..............................$     149,495,980

         Current ...............................................          89.03%
            5-34 days delinquent ...............................           6.08%
           35-64 days delinquent ...............................           2.02%
           65-94 days delinquent ...............................           1.08%
          95-124 days delinquent ...............................           0.74%
         125-154 days delinquent ...............................           0.58%
         155-184 days delinquent ...............................           0.47%
2

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

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

                 CITIBANK  CREDIT  CARD  MASTER  TRUST  I -  GROUP 1 For the Due
                    Period Ending July 26, 1996

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

                                             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                               12.11%                12.11%
   2. Weighted Average Certificate Rate              6.35%                 6.35%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.73%                 0.73%
          Others                                     0.05%                 0.05%
   4. Surplus Finance Charge Collections             4.98%                 4.98%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        4.98%                 4.98%
      minus Required Surplus Finance Charge Amount
C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1. Total Investor Collections                  $5,059,426,326  $5,059,426,326
          Principal Collections                   $4,716,424,837  $4,716,424,837
          Finance Charge Collections              $  343,001,489  $  343,001,489
   2. Investor Default Amount                     $  109,651,333  $  109,651,333
   3. Investor Monthly Interest                   $  121,222,621  $  121,222,621
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $   13,884,739  $   13,884,739
          Others                                  $    1,018,979  $      996,499
   5. Surplus Finance Charge Collections          $   97,223,818  $   97,246,297
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $   97,223,818  $   97,246,297
      minus Required Surplus Finance Charge Amount

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

       All  percents are based on actual cash revenue or expense for the period,
       converted to an annualized  percent using  daycounts  appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash expenses may accrue from June 26, 1996 to July 26, 1996, 31 days, or
       July 8 , 1996 to August 6 , 1996, 30 days (standard basis).
3

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

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

               Citibank Credit Card Master Trust I, Series 1991-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1991-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1991-1
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $              0

 2b. Class B Monthly Interest        .......................... $        697,500

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

 3b. Balance in the Class B Interest Funding Account .......... $      2,790,000

 4a. Available Cash Collateral Amount ......................... $     67,440,000

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

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

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

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

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

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

 8b. Class B Monthly Principal for the Distribution Date(2).... $     93,000,000

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $    186,000,000
     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
4

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

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

               Citibank Credit Card Master Trust I, Series 1991-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $    188,790,000

 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 ...... $    186,000,000

 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 ....... $      2,790,000

 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 .............................. $    186,000,000

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.
5

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

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

               Citibank Credit Card Master Trust I, Series 1991-1
                    For the Due Period Ending July 26, 1996

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

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

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.
         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
6

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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         .......................... $    875,000,000

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

 2a. Class A Monthly Interest        .......................... $      6,471,354

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

 3a. Balance in the Class A Interest Funding Account .......... $      6,471,354

 3b. Balance in the Class B Interest Funding Account .......... $        840,208

 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).... $              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.
7

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
8

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
9

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

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

               Citibank Credit Card Master Trust I, Series 1991-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1991-4  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1991-4
   ------------------------------------------

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

 1b. Class B Invested Amount         .......................... $    155,000,000

 2a. Class A Monthly Interest        .......................... $        694,444

 2b. Class B Monthly Interest        .......................... $      1,065,625

 3a. Balance in the Class A Interest Funding Account .......... $     50,000,000

 3b. Balance in the Class B Interest Funding Account .......... $      6,393,750

 4a. Available Cash Collateral Amount ......................... $     98,350,000

 4b. Percent of Class B Invested Amount         ...............           63.45%

 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).... $    104,166,667

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

 9a. Balance in the Class A Principal Funding Account(2)....... $  1,250,000,000

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
10

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

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

               Citibank Credit Card Master Trust I, Series 1991-4
                    For the Due Period Ending July 26, 1996

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

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 ................... $  1,300,000,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      6,393,750

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $  1,250,000,000

 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 ....... $     50,000,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      6,393,750

 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 .............................. $  1,250,000,000

 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 to be included only
         on Payment Date.
11

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

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

               Citibank Credit Card Master Trust I, Series 1991-4
                    For the Due Period Ending July 26, 1996

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

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

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
12

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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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         .......................... $    850,000,000

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

 2a. Class A Monthly Interest        .......................... $      5,578,125

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

 3a. Balance in the Class A Interest Funding Account .......... $     16,734,375

 3b. Balance in the Class B Interest Funding Account .......... $      2,202,313

 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).... $              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.
13

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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
14

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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
15

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

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

               Citibank Credit Card Master Trust I, Series 1992-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1992-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,550,000,000

 1b. Class B Invested Amount         .......................... $    134,800,000

 2a. Class A Monthly Interest        .......................... $      7,308,026

 2b. Class B Monthly Interest        .......................... $        702,083

 3a. Balance in the Class A Interest Funding Account .......... $      7,308,026

 3b. Balance in the Class B Interest Funding Account .......... $      4,212,500

 4a. Available Cash Collateral Amount ......................... $    105,300,000

 4b. Percent of Class B Invested Amount         ...............           78.12%
 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.
16

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

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

               Citibank Credit Card Master Trust I, Series 1992-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $      7,308,026

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      4,212,500

 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 ....... $      7,308,026

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      4,212,500

 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 to be included only
         on Payment Date.
17

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

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

               Citibank Credit Card Master Trust I, Series 1992-1
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
18

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

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

               Citibank Credit Card Master Trust I, Series 1992-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-3  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1992-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,250,000,000

 1b. Class B Invested Amount         .......................... $     80,000,000

 2a. Class A Monthly Interest        .......................... $      6,364,989

 2b. Class B Monthly Interest        .......................... $        429,748

 3a. Balance in the Class A Interest Funding Account .......... $     12,114,011

 3b. Balance in the Class B Interest Funding Account .......... $        817,908

 4a. Available Cash Collateral Amount ......................... $     93,100,000

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
19

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

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

               Citibank Credit Card Master Trust I, Series 1992-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
20

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

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

               Citibank Credit Card Master Trust I, Series 1992-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1992-3  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 15, 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
21

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

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

               Citibank Credit Card Master Trust I, Series 1993-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1993-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1993-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    850,000,000

 1b. Class B Invested Amount         .......................... $     74,000,000

 2a. Class A Monthly Interest        .......................... $      4,007,627

 2b. Class B Monthly Interest        .......................... $        339,167

 3a. Balance in the Class A Interest Funding Account .......... $      4,007,627

 3b. Balance in the Class B Interest Funding Account .......... $      2,035,000

 4a. Available Cash Collateral Amount ......................... $     55,440,000

 4b. Percent of Class B Invested Amount         ...............           74.92%

 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 1993-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $      4,007,627

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      2,035,000

 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 ....... $      4,007,627

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      2,035,000

 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 to be included only
         on Payment Date.
23
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1993-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
24

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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

 1a. Class A Invested Amount         .......................... $    750,000,000
 1b. Class B Invested Amount         .......................... $     48,000,000

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

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

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

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

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

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(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 1993-2
                    For the Due Period Ending July 26, 1996

================================================================================
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 to be included only
         on Payment Date.
26

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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
27

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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         .......................... $    750,000,000

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

 2a. Class A Monthly Interest        .......................... $      3,437,500

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

 3a. Balance in the Class A Interest Funding Account .......... $      3,437,500

 3b. Balance in the Class B Interest Funding Account .......... $        228,000

 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.
28

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
29

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
30

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

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

               Citibank Credit Card Master Trust I, Series 1994-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1994-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1994-1
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      2,906,250

 2b. Class B Monthly Interest        .......................... $        194,000

 3a. Balance in the Class A Interest Funding Account .......... $     17,437,500

 3b. Balance in the Class B Interest Funding Account .......... $      1,164,000

 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.
31

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

               Citibank Credit Card Master Trust I, Series 1994-1
                    For the Due Period Ending July 26, 1996

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

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 ................... $     17,437,500

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,164,000

 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 ....... $     17,437,500

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,164,000

 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 to be included only
         on Payment Date.
32

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

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

               Citibank Credit Card Master Trust I, Series 1994-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1994-1  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.
         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
33

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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(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 1994-2
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
35

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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
36

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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                    For the Due Period Ending July 26, 1996

================================================================================
     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $     11,333,333

 3b. Balance in the Class B Interest Funding Account .......... $        746,667

 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.
37

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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
38

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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.
         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
39

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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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        .......................... $        234,000

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

 3b. Balance in the Class B Interest Funding Account .......... $        234,000

 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.
40

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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 26, 1996

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

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 ................... $        234,000

 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 ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        234,000

 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 to be included only
         on Payment Date.
41

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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
42

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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

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

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

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

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

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

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

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

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

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

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

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

 7.  Draw on Cash Collateral Account .......................... $              0
 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

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

 9a. Balance in the Class A Principal Funding Account(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 1995-1
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
44

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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
45

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

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

               Citibank Credit Card Master Trust I, Series 1995-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-2  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1995-2
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      3,593,750

 2b. Class B Monthly Interest        .......................... $        154,667

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

 3b. Balance in the Class B Interest Funding Account .......... $        154,667

 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.
46

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

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

               Citibank Credit Card Master Trust I, Series 1995-2
                    For the Due Period Ending July 26, 1996

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

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 ................... $        154,667

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

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

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0
 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        154,667

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

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

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.
47

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

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

               Citibank Credit Card Master Trust I, Series 1995-2
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-2  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
48

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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        .......................... $        192,000

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

 3b. Balance in the Class B Interest Funding Account .......... $        192,000

 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.
49

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 26, 1996

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     24,531,250

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        192,000

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

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

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

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        192,000

 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 to be included only
         on Payment Date.
50

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                    For the Due Period Ending July 26, 1996
================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
51

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-4  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and 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 1995-4
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      4,822,222

 2b. Class B Monthly Interest        .......................... $        408,000

 3a. Balance in the Class A Interest Funding Account .......... $     14,311,111

 3b. Balance in the Class B Interest Funding Account .......... $      2,448,000

 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.
52

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                    For the Due Period Ending July 26, 1996

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

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 ................... $     14,311,111

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      2,448,000

 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 ....... $     14,311,111

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      2,448,000

 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 to be included only
         on Payment Date.
53

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented by the Series 1995-4  Supplement (as amended
and  supplemented,  the "Series  Supplement"),  among Citibank  (South  Dakota),
Seller and Servicer, Citibank (Nevada), National Association, Seller, and Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 15, 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
54

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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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        .......................... $        306,667

 3a. Balance in the Class A Interest Funding Account .......... $     17,062,500

 3b. Balance in the Class B Interest Funding Account .......... $        306,667

 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.
55

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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                    For the Due Period Ending July 26, 1996

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

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 ................... $     17,062,500

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        306,667

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

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

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $     17,062,500

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        306,667

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

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

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.
56

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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
57

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $      8,437,500

 3b. Balance in the Class B Interest Funding Account .......... $        552,000

 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.
58

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                    For the Due Period Ending July 26, 1996

================================================================================
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 to be included only
         on Payment Date.
59

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
60

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $     11,166,667

 3b. Balance in the Class B Interest Funding Account .......... $        728,954

 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.
61

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
62

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
63

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee,  does hereby certify the information
set  forth  below.  Capitalized  terms  used  in  this  Certificate  have  their
respective  meanings  as set forth in the  Agreement  or Series  Supplement,  as
applicable.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
64

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

               Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending July 26, 1996

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

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 to be included only
         on Payment Date.
65

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.
         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
66

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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $     22,125,000

 3b. Balance in the Class B Interest Funding Account .......... $      1,452,000

 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.
67

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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                    For the Due Period Ending July 26, 1996

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

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 ................... $     22,125,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,452,000

 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 ....... $     22,125,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,452,000

 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 to be included only
         on Payment Date.
68

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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
69

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                    For the Due Period Ending July 26, 1996

================================================================================
     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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 .......... $      9,120,313

 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.
70

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                    For the Due Period Ending July 26, 1996

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

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 ................... $      9,120,313

 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 ....... $      9,120,313

 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 to be included only
         on Payment Date.
71

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                    For the Due Period Ending July 26, 1996

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.
         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 15, 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
72

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 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.......................... $    767,383,726

 1b. Class B Accreted Invested Amount.......................... $     48,784,425

 2a. Class A Monthly Accretion       .......................... $      3,703,068

 2b. Class B Monthly Accretion       .......................... $        241,388

 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 ......................... $     57,255,547

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

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

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

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

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

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

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

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

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

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.
73

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

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

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

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

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 to be included only
         on Payment Date.
74

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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  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 Yasuda
Bank and Trust Company (U.S.A), as Trustee, does hereby certify as follows:

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

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

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on August 7 , 1996.

         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 16th day of August 1996.

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

                    By: /s/ Susan Sexton
                    Name:   Susan Sexton
                    Title:  Vice President
75

                                   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

Dated: August 22, 1996