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):        November 15, 2002

                            CITIBANK (SOUTH DAKOTA), National Association
                                      ON BEHALF OF
                         CITIBANK CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Citibank Credit Card Master Trust I)


       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
       8.45% Class B Credit Card Participation Certificates, Series 1995-1
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-4
   Floating Rate Class B Credit Card Participation Certificates, Series 1997-4
    Zero Coupon Class A Credit Card Participation Certificates, Series 1997-6
    Zero Coupon Class B Credit Card Participation Certificates, Series 1997-6
       6.05% Class A Credit Card Participation Certificates, Series 1998-2
       6.20% Class B Credit Card Participation Certificates, Series 1998-2
       5.80% Class A Credit Card Participation Certificates, Series 1998-3
       5.95% Class B Credit Card Participation Certificates, Series 1998-3
       5.30% Class A Credit Card Participation Certificates, Series 1998-9
       5.55% Class B Credit Card Participation Certificates, Series 1998-9
       5.50% Class A Credit Card Participation Certificates, Series 1999-1
       5.75% Class B Credit Card Participation Certificates, Series 1999-1
      5.875% Class A Credit Card Participation Certificates, Series 1999-2
       6.15% Class B Credit Card Participation Certificates, Series 1999-2
       6.10% Class A Credit Card Participation Certificates, Series 1999-5
       6.30% Class B Credit Card Participation Certificates, Series 1999-5
       6.65% Class A Credit Card Participation Certificates, Series 1999-7
       6.90% Class B Credit Card Participation Certificates, Series 1999-7

                      (collectively, the Certificates)


               (Exact name of registrant as specified in charter)

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


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


                            701 EAST 60TH 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.)





                                                      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), National Association
                                  as Servicer
                      Citibank Credit Card Master Trust I



                            By: /s/ Douglas Morrison
                  --------------------------------------------
                                Douglas Morrison
                            Chief Financial Officer

Dated:                      November 15 , 2002
                 ---------------------------------
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                      CITIBANK CREDIT CARD MASTER TRUST I
                    For the Due Period Ending October 28, 2002
==============================================================================

This Certificate relates to the Due Period ending Oct 28, 2002 and the related
Distribution Date.

<table>
<Caption>
A.   Information Regarding the portfolio
     ------------------------------------

         <S>                                                             <C>
1. Portfolio Yield For Group 1 ............................             9.26%
   Portfolio Yield For Group 2 ............................             9.28%
       Yield Component For Group 1 ........................            15.11%
       Yield Component For Group 2 ........................            15.13%
       Credit Loss Component  .............................             5.85%

2. New Purchase Rate  .....................................            19.53%

3. Total Payment Rate  ....................................            19.27%

4. Principal Payment  Rate  ................................           18.33%

5. Aggregate Amount of Principal Receivables in the Trust :

     Beginning of Due Period  ............................  $  64,080,316,021

     Average  ............................................  $  66,981,796,610

     Lump Sum Addition  ..................................  $   5,998,992,612

     End of Due Period  ..................................  $  70,160,576,472
</table>

<table>
<Caption>
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) :

         <S>                                                        <C>
       Current  ..........................................  $  64,961,278,101
         5-34 days delinquent  ...........................  $   3,074,926,576
        35-64 days delinquent  ...........................  $   1,044,826,889
        65-94 days delinquent  ...........................  $     719,287,175
       95-124 days delinquent  ...........................  $     572,035,792
      125-154 days delinquent  ...........................  $     450,216,532
      155-184 days delinquent  ...........................  $     382,884,812

      Current  ...........................................             91.23%
         5-34 days delinquent  ...........................              4.32%
        35-64 days delinquent  ...........................              1.47%
        65-94 days delinquent  ...........................              1.01%
       95-124 days delinquent  ...........................              0.80%
      125-154 days delinquent  ...........................              0.63%
      155-184 days delinquent  ...........................              0.54%
</table>

                                      Page 4
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                    CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
         <S>                                          <C>                     <C>
                                                   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                                   9.26%              9.26%
  2. Weighted Average Certificate Rate                 4.92%              4.92%
  3. Weighted Average Investor Fee Rates
         Fixed Servicing Fee                           0.37%              0.37%
         Others                                        0.09%              0.09%
  4. Surplus Finance Charge Collections                3.88%              3.88%
  5. Required Surplus Finance Charge Amount            0.00%              0.00%
  6. Aggregate Surplus Finance Charge Amount           3.88%              3.88%
     minus Required Surplus Finance Charge Amount
</table>
<table>
<Caption>
         <S>                                              <C>                  <C>

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

  1. Total Investor Collections                        $ 3,605,293,263 $ 3,605,293,263
         Principal Collections                         $ 3,353,452,880 $ 3,353,452,880
         Finance Charge Collections                    $   251,840,383 $   251,840,383
  2. Investor Default Amount                           $    96,747,802 $    96,747,802
  3. Investor Monthly Interest                         $    75,380,821 $    75,380,821
  4. Investor Monthly Fees
         Fixed Servicing Fees                          $     5,641,973 $     5,641,973
         Others                                        $     1,682,777 $     1,682,229
  5. Surplus Finance Charge Collections                $    72,387,010 $    72,387,558
  6. Required Surplus Finance Charge Collections       $             0 $             0
  7. Aggregate Surplus Finance Charge Amount           $    72,387,010 $    72,387,558
     minus Required Surplus Finance Charge Amount
</table>

(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 close date 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 day count
     appropriate for the item, either 30/360, actual/360, or actual/actual.
     Depending on the item, cash expenses may accrue
     from September 26, 2002   to October 28, 2002    , 33 days, or
     October 4 , 2002     to November 5 , 2002   , 33 days (standard basis).

                                      Page 5
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                    CITIBANK CREDIT CARD MASTER TRUST I - GROUP 2
                    For the Due Period Ending October 28, 2002
==============================================================================
<table>
<Caption>
         <S>                                          <C>                <C>
                                                    Current Due        Current Due
                                                    Period on an       Period on a
                                                    Actual Basis (1)   Standard Basis (1)
B. Information Regarding Group 2
   -----------------------------
  (Percentage Basis)

  1. Portfolio Yield                                   9.28%              9.28%
  2. Weighted Average Note Rate                        2.28%              2.28%
  3. Weighted Average Investor Fee Rates
         Fixed Servicing Fee                           0.37%              0.37%
         Others                                        0.01%              0.01%
  4. Surplus Finance Charge Collections                6.62%              6.62%
  5. Surplus Finance Charge Collections For
     Purposes of Funding Class C Reserve Account       6.00%              5.99%
  6. Required Surplus Finance Charge Amount            0.00%              0.00%
  7. Aggregate Surplus Finance Charge Amount           6.62%              6.62%
     minus Required Surplus Finance Charge Amount
</table>

<table>
<Caption>
C. Information Regarding Group 2
   -----------------------------
  (Dollars Basis)

         <S>                                              <C>              <C>
  1. Total Investor Collections                        $ 7,599,892,247 $ 7,599,892,247
         Principal Collections                         $ 7,068,336,625 $ 7,068,336,625
         Finance Charge Collections                    $   531,555,622 $   531,555,622
  2. Investor Default Amount                           $   203,922,959 $   203,922,959
  3. Investor Monthly Interest                         $    76,261,052 $    76,261,052
  4. Investor Monthly Fees
         Fixed Servicing Fees                          $    11,892,031 $    11,892,031
         Others                                        $       261,490 $       261,490
  5. Surplus Finance Charge Collections                $   239,218,090 $   239,218,090
  6. Required Surplus Finance Charge Collections       $             0 $             0
  7. Aggregate Surplus Finance Charge Amount           $   239,218,090 $   239,218,090
     minus Required Surplus Finance Charge Amount
</table>

(1)  Values for "Current Due Period on an Actual Basis" reflect,
     in the case of a first due period close of a tranche of Notes,
     activity from the close date until the first due period end,
     or, as in the case of Investor Monthly Interest and certain
     fees, until the first Monthly Interest Date. Values for
     "Current Due Period on a Standard Basis" reflect activity for
     the entire current period, as if all Notes 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 day count
     appropriate for the item, either 30/360, actual/360, or actual/actual.
     Depending on the item, cash expenses may accrue
     from September 26, 2002   to October 28, 2002    , 33 days, or
     October 4 , 2002     to November 5 , 2002   , 33 days (standard basis).
                                      Page 6
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1993-2
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  625,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,408,854

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

  3a.  Balance in the Class A Interest Funding Account  ......       $    7,437,500

  3b   Balance in the Class B Interest Funding Account  ......       $      492,000

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

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

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

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

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

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

  8a.  Class A Monthly Principal for the Distribution Date (2)       $   62,500,000

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 4
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

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

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

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

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

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

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

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $  125,000,000

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

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















                                      Page 5
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 6
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1994-2
   -----------------------------------

            <S>                                                        <C>
  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  ......       $    5,679,167

  3b   Balance in the Class B Interest Funding Account  ......       $      375,000

  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
</table>

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 7
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 8
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 9
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1995-1
   -----------------------------------

            <S>                                                        <C>
  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  ......       $   17,187,500

  3b   Balance in the Class B Interest Funding Account  ......       $    1,126,667

  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
</table>

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 10
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 11
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 12
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1995-9
   -----------------------------------

            <S>                                                        <C>
  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  ......       $    2,729,167

  3b   Balance in the Class B Interest Funding Account  ......       $      177,333

  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
</table>

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 13
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 14
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 15
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-5 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1996-5
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  750,000,000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 16
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 17
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-5 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 18
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-6 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1996-6
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  940,000,000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 19
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 20
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-6 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 12, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 21
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-4 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1997-4
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  750,000,000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 22
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 23
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-4 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 12, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 24
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-6 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1997-6
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Accreted Invested Amount.......................       $  890,658,105

  1b.  Class B Accreted Invested Amount.......................       $   56,850,255

  2a.  Class A Monthly Accretion..............................       $    4,693,113

  2b.  Class B Monthly Accretion..............................       $      306,479

  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  .....................       $   66,325,750

  4b.  Percent of Class B Accreted 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
</table>

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 25
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 26
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-6 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 27
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-2 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1998-2
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  500,000,000

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

  2a.  Class A Monthly Interest ..............................       $    2,520,833

  2b.  Class B Monthly Interest ..............................       $      165,333

  3a.  Balance in the Class A Interest Funding Account  ......       $   10,083,333

  3b   Balance in the Class B Interest Funding Account  ......       $      661,333

  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
</table>

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 28
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 29
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-2 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 30
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-3 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1998-3
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  625,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,020,833

  2b.  Class B Monthly Interest ..............................       $      198,333

  3a.  Balance in the Class A Interest Funding Account  ......       $    9,062,500

  3b   Balance in the Class B Interest Funding Account  ......       $      595,000

  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
</table>

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 31
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 32
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-3 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 33
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-9 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1998-9
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  750,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,312,500

  2b.  Class B Monthly Interest ..............................       $      222,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   13,250,000

  3b   Balance in the Class B Interest Funding Account  ......       $      888,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 34
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 35
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-9 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 36
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-1 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1999-1
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  750,000,000

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

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

  2b.  Class B Monthly Interest ..............................       $      230,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   10,312,500

  3b   Balance in the Class B Interest Funding Account  ......       $      690,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 37
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 38
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-1 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 39
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-2 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1999-2
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  750,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,671,875

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

  3a.  Balance in the Class A Interest Funding Account  ......       $    7,343,750

  3b   Balance in the Class B Interest Funding Account  ......       $      492,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 40
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   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
</table>

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















                                      Page 41
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-2 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 12, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 42
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-5 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1999-5
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $  750,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,812,500

  2b.  Class B Monthly Interest ..............................       $      252,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   22,875,000

  3b   Balance in the Class B Interest Funding Account  ......       $    1,512,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 43
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $   22,875,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................       $    1,512,000

   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  ......       $   22,875,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......       $    1,512,000

   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
</table>

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















                                      Page 44
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-5 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 45
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-7 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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.

<table>
<Caption>
D. Information Regarding Series 1999-7
   -----------------------------------

            <S>                                                        <C>
  1a.  Class A Invested Amount         .......................       $1,000,000,000

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

  2a.  Class A Monthly Interest ..............................       $    5,541,667

  2b.  Class B Monthly Interest ..............................       $      368,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   33,250,000

  3b   Balance in the Class B Interest Funding Account  ......       $    2,208,000

  4a.  Available Cash Collateral Amount  .....................       $   63,840,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

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

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

       -------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 46
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending October 28, 2002
==============================================================================

<table>
<Caption>
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

                   <S>                                                    <C>
   1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $   33,250,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................       $    2,208,000

   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  ......       $   33,250,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......       $    2,208,000

   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
</table>

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















                                      Page 47
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-7 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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


                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002


                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,


                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 48
[{"type": "8-K", "sequence": "1", "filename": "mt102802.txt", "description": "MASTER TRUST MONTHLY 8-K", "secsgml_size_bytes": 137796}]
{"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": "02834112"}, "business-address": {"street1": "425 PARK AVE.", "street2": "2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043", "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):        November 15, 2002

                            CITIBANK (SOUTH DAKOTA), National Association
                                      ON BEHALF OF
                         CITIBANK CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Citibank Credit Card Master Trust I)

       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
       8.45% Class B Credit Card Participation Certificates, Series 1995-1
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-4
   Floating Rate Class B Credit Card Participation Certificates, Series 1997-4
    Zero Coupon Class A Credit Card Participation Certificates, Series 1997-6
    Zero Coupon Class B Credit Card Participation Certificates, Series 1997-6
       6.05% Class A Credit Card Participation Certificates, Series 1998-2
       6.20% Class B Credit Card Participation Certificates, Series 1998-2
       5.80% Class A Credit Card Participation Certificates, Series 1998-3
       5.95% Class B Credit Card Participation Certificates, Series 1998-3
       5.30% Class A Credit Card Participation Certificates, Series 1998-9
       5.55% Class B Credit Card Participation Certificates, Series 1998-9
       5.50% Class A Credit Card Participation Certificates, Series 1999-1
       5.75% Class B Credit Card Participation Certificates, Series 1999-1
      5.875% Class A Credit Card Participation Certificates, Series 1999-2
       6.15% Class B Credit Card Participation Certificates, Series 1999-2
       6.10% Class A Credit Card Participation Certificates, Series 1999-5
       6.30% Class B Credit Card Participation Certificates, Series 1999-5
       6.65% Class A Credit Card Participation Certificates, Series 1999-7
       6.90% Class B Credit Card Participation Certificates, Series 1999-7

                      (collectively, the Certificates)

               (Exact name of registrant as specified in charter)

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

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

                            701 EAST 60TH 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.)

                                                      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), National Association
                                  as Servicer
                      Citibank Credit Card Master Trust I

                            By: /s/ Douglas Morrison
                  --------------------------------------------
                                Douglas Morrison
                            Chief Financial Officer

Dated:                      November 15 , 2002
                 ---------------------------------
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                      CITIBANK CREDIT CARD MASTER TRUST I
                    For the Due Period Ending October 28, 2002
==============================================================================

This Certificate relates to the Due Period ending Oct 28, 2002 and the related
Distribution Date.
A.   Information Regarding the portfolio
     ------------------------------------
1. Portfolio Yield For Group 1 ............................             9.26%
   Portfolio Yield For Group 2 ............................             9.28%
       Yield Component For Group 1 ........................            15.11%
       Yield Component For Group 2 ........................            15.13%
       Credit Loss Component  .............................             5.85%

2. New Purchase Rate  .....................................            19.53%

3. Total Payment Rate  ....................................            19.27%

4. Principal Payment  Rate  ................................           18.33%

5. Aggregate Amount of Principal Receivables in the Trust :

     Beginning of Due Period  ............................  $  64,080,316,021

     Average  ............................................  $  66,981,796,610

     Lump Sum Addition  ..................................  $   5,998,992,612

     End of Due Period  ..................................  $  70,160,576,472
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  ..........................................  $  64,961,278,101
         5-34 days delinquent  ...........................  $   3,074,926,576
        35-64 days delinquent  ...........................  $   1,044,826,889
        65-94 days delinquent  ...........................  $     719,287,175
       95-124 days delinquent  ...........................  $     572,035,792
      125-154 days delinquent  ...........................  $     450,216,532
      155-184 days delinquent  ...........................  $     382,884,812

      Current  ...........................................             91.23%
         5-34 days delinquent  ...........................              4.32%
        35-64 days delinquent  ...........................              1.47%
        65-94 days delinquent  ...........................              1.01%
       95-124 days delinquent  ...........................              0.80%
      125-154 days delinquent  ...........................              0.63%
      155-184 days delinquent  ...........................              0.54%
Page 4
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                    CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                    For the Due Period Ending October 28, 2002
==============================================================================
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                                   9.26%              9.26%
  2. Weighted Average Certificate Rate                 4.92%              4.92%
  3. Weighted Average Investor Fee Rates
         Fixed Servicing Fee                           0.37%              0.37%
         Others                                        0.09%              0.09%
  4. Surplus Finance Charge Collections                3.88%              3.88%
  5. Required Surplus Finance Charge Amount            0.00%              0.00%
  6. Aggregate Surplus Finance Charge Amount           3.88%              3.88%
     minus Required Surplus Finance Charge Amount
C. Information Regarding Group 1
   -----------------------------
  (Dollars Basis)

  1. Total Investor Collections                        $ 3,605,293,263 $ 3,605,293,263
         Principal Collections                         $ 3,353,452,880 $ 3,353,452,880
         Finance Charge Collections                    $   251,840,383 $   251,840,383
  2. Investor Default Amount                           $    96,747,802 $    96,747,802
  3. Investor Monthly Interest                         $    75,380,821 $    75,380,821
  4. Investor Monthly Fees
         Fixed Servicing Fees                          $     5,641,973 $     5,641,973
         Others                                        $     1,682,777 $     1,682,229
  5. Surplus Finance Charge Collections                $    72,387,010 $    72,387,558
  6. Required Surplus Finance Charge Collections       $             0 $             0
  7. Aggregate Surplus Finance Charge Amount           $    72,387,010 $    72,387,558
     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 close date 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 day count
     appropriate for the item, either 30/360, actual/360, or actual/actual.
     Depending on the item, cash expenses may accrue
     from September 26, 2002   to October 28, 2002    , 33 days, or
     October 4 , 2002     to November 5 , 2002   , 33 days (standard basis).

                                      Page 5
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                    CITIBANK CREDIT CARD MASTER TRUST I - GROUP 2
                    For the Due Period Ending October 28, 2002
==============================================================================
Current Due        Current Due
                                                    Period on an       Period on a
                                                    Actual Basis (1)   Standard Basis (1)
B. Information Regarding Group 2
   -----------------------------
  (Percentage Basis)

  1. Portfolio Yield                                   9.28%              9.28%
  2. Weighted Average Note Rate                        2.28%              2.28%
  3. Weighted Average Investor Fee Rates
         Fixed Servicing Fee                           0.37%              0.37%
         Others                                        0.01%              0.01%
  4. Surplus Finance Charge Collections                6.62%              6.62%
  5. Surplus Finance Charge Collections For
     Purposes of Funding Class C Reserve Account       6.00%              5.99%
  6. Required Surplus Finance Charge Amount            0.00%              0.00%
  7. Aggregate Surplus Finance Charge Amount           6.62%              6.62%
     minus Required Surplus Finance Charge Amount
C. Information Regarding Group 2
   -----------------------------
  (Dollars Basis)
1. Total Investor Collections                        $ 7,599,892,247 $ 7,599,892,247
         Principal Collections                         $ 7,068,336,625 $ 7,068,336,625
         Finance Charge Collections                    $   531,555,622 $   531,555,622
  2. Investor Default Amount                           $   203,922,959 $   203,922,959
  3. Investor Monthly Interest                         $    76,261,052 $    76,261,052
  4. Investor Monthly Fees
         Fixed Servicing Fees                          $    11,892,031 $    11,892,031
         Others                                        $       261,490 $       261,490
  5. Surplus Finance Charge Collections                $   239,218,090 $   239,218,090
  6. Required Surplus Finance Charge Collections       $             0 $             0
  7. Aggregate Surplus Finance Charge Amount           $   239,218,090 $   239,218,090
     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 tranche of Notes,
     activity from the close date until the first due period end,
     or, as in the case of Investor Monthly Interest and certain
     fees, until the first Monthly Interest Date. Values for
     "Current Due Period on a Standard Basis" reflect activity for
     the entire current period, as if all Notes 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 day count
     appropriate for the item, either 30/360, actual/360, or actual/actual.
     Depending on the item, cash expenses may accrue
     from September 26, 2002   to October 28, 2002    , 33 days, or
     October 4 , 2002     to November 5 , 2002   , 33 days (standard basis).
                                      Page 6
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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         .......................       $  625,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,408,854

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

  3a.  Balance in the Class A Interest Funding Account  ......       $    7,437,500

  3b   Balance in the Class B Interest Funding Account  ......       $      492,000

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

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

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

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

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

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

  8a.  Class A Monthly Principal for the Distribution Date (2)       $   62,500,000

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

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

  9b.  Balance in the Class B Principal Funding Account (2)...       $            0
-------------------------------------------------------
       (2) Applicable during the Accumulation Period and any
           Early Amortization Period.
                                      Page 4
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

   4a. The amount, if any, by which the outstanding principal
       balance of the Class A Certificates exceeds the Class A
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $  125,000,000

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 5
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1993-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 6
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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  ......       $    5,679,167

  3b   Balance in the Class B Interest Funding Account  ......       $      375,000

  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 7
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 8
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1994-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 9
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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  ......       $   17,187,500

  3b   Balance in the Class B Interest Funding Account  ......       $    1,126,667

  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 10
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 11
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 12
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , 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  ......       $    2,729,167

  3b   Balance in the Class B Interest Funding Account  ......       $      177,333

  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 13
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 14
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1995-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  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 Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 15
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-5 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1996-5
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  750,000,000

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

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

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

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

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

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

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

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 17
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-5 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 18
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-6 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1996-6
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  940,000,000

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

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

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

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

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

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

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

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 20
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1996-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1996-6 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 12, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 21
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-4 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1997-4
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  750,000,000

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

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

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

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

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

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

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

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 23
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-4
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-4 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 12, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 24
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-6 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1997-6
   -----------------------------------
1a.  Class A Accreted Invested Amount.......................       $  890,658,105

  1b.  Class B Accreted Invested Amount.......................       $   56,850,255

  2a.  Class A Monthly Accretion..............................       $    4,693,113

  2b.  Class B Monthly Accretion..............................       $      306,479

  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  .....................       $   66,325,750

  4b.  Percent of Class B Accreted 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 25
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 26
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1997-6
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1997-6 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 27
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-2 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1998-2
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  500,000,000

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

  2a.  Class A Monthly Interest ..............................       $    2,520,833

  2b.  Class B Monthly Interest ..............................       $      165,333

  3a.  Balance in the Class A Interest Funding Account  ......       $   10,083,333

  3b   Balance in the Class B Interest Funding Account  ......       $      661,333

  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 28
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 29
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-2 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 30
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-3 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1998-3
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  625,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,020,833

  2b.  Class B Monthly Interest ..............................       $      198,333

  3a.  Balance in the Class A Interest Funding Account  ......       $    9,062,500

  3b   Balance in the Class B Interest Funding Account  ......       $      595,000

  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 31
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 32
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-3
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-3 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 33
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-9 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1998-9
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  750,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,312,500

  2b.  Class B Monthly Interest ..............................       $      222,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   13,250,000

  3b   Balance in the Class B Interest Funding Account  ......       $      888,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 35
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1998-9
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1998-9 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 7 , 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 36
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-1 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1999-1
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  750,000,000

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

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

  2b.  Class B Monthly Interest ..............................       $      230,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   10,312,500

  3b   Balance in the Class B Interest Funding Account  ......       $      690,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 38
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-1
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-1 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 39
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-2 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1999-2
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  750,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,671,875

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

  3a.  Balance in the Class A Interest Funding Account  ......       $    7,343,750

  3b   Balance in the Class B Interest Funding Account  ......       $      492,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending October 28, 2002
==============================================================================
E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------
1a. The total amount of the distribution to Class A
       Certificateholders On the Payment Date   .................       $            0

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

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

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

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

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

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 41
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-2
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-2 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 12, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 42
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-5 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1999-5
   -----------------------------------
1a.  Class A Invested Amount         .......................       $  750,000,000

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

  2a.  Class A Monthly Interest ..............................       $    3,812,500

  2b.  Class B Monthly Interest ..............................       $      252,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   22,875,000

  3b   Balance in the Class B Interest Funding Account  ......       $    1,512,000

  4a.  Available Cash Collateral Amount  .....................       $   47,880,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending October 28, 2002
==============================================================================
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   .................       $   22,875,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................       $    1,512,000

   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  ......       $   22,875,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......       $    1,512,000

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 44
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-5
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-5 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 45
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-7 Supplement (as amended and supplemented, the "Series Supplement"),  among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,  Seller, and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company) , as Trustee,does hereby certify the information set forth below.
Capitalized terms used in this Certificate have their respective meanings as set
forth in the Agreement or Series Supplement, as applicable.
D. Information Regarding Series 1999-7
   -----------------------------------
1a.  Class A Invested Amount         .......................       $1,000,000,000

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

  2a.  Class A Monthly Interest ..............................       $    5,541,667

  2b.  Class B Monthly Interest ..............................       $      368,000

  3a.  Balance in the Class A Interest Funding Account  ......       $   33,250,000

  3b   Balance in the Class B Interest Funding Account  ......       $    2,208,000

  4a.  Available Cash Collateral Amount  .....................       $   63,840,000

  4b.  Percent of Class B Invested Amount          ...........               99.75%

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

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

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

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

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

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

  9a.  Balance in the Class A Principal Funding Account (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), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending October 28, 2002
==============================================================================
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   .................       $   33,250,000

   1b. The total amount of the distribution to Class B
       Certificateholders On the Payment Date   .................       $    2,208,000

   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  ......       $   33,250,000

   3b. The amount of the distribution set forth in item 1(b) above
       in respect of interest on the Class B Certificates  ......       $    2,208,000

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

   4b. The amount, if any, by which the outstanding principal
       balance of the Class B Certificates exceeds the Class B
       Invested Amount as of the end of the Record Date with
       respect to the Payment Date  .............................       $            0
----------------------------------------------------------
       (3) The following information, as applicable, is included
           only on Payment Date.

                                      Page 47
                         CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION
==============================================================================
                 Citibank Credit Card Master Trust I, Series 1999-7
                    For the Due Period Ending October 28, 2002
==============================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), National Association, as Servicer ("Citibank (South Dakota)"), pursuant
to the Pooling and Servicing  Agreement  dated as of May 29, 1991,  (as amended,
restated,  and  supplemented,  the  "Agreement"),  as supplemented by the Series
1999-7 Supplement (as amended and supplemented,  the "Series  Supplement"),among
Citibank  (South  Dakota),  Seller and  Servicer,  Citibank  (Nevada),  National
Association,Seller,  and Deutsche Bank Trust Company Americas  (formerly Bankers
Trust Company), 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 November 15, 2002

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

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

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

                 IN WITNESS WHEREOF, the undersigned has duly
                 executed and delivered this Certificate this 20 day of
                 November 2002

                                CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION.
                                Servicer,

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 48