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): September 17th, 2002
 ------------------------------------------------------------------------------

                  Citibank (SOUTH DAKOTA), NATIONAL ASSOCIATION
                                  ON BEHALF OF
                           UNIVERSAL CARD MASTER TRUST
                    (Issuer of the Asset Backed Certificates)
 -------------------------------------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)


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

                                    33-93806
                                    333-02878
                                    333-09309
                                    333-79497
                            -------------------------
                            (Commission File Numbers)

                                   46-0358360
                            -------------------------
                      (IRS Employer Identification Number)


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


        Registrants telephone number, including area code (605) 331-2626

                                 Not Applicable
          -------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)





INFORMATION TO BE INCLUDED IN THE REPORT

Items 1-4.                 Not Applicable

Item 5.                    The Certificateholder Statements for the month ending
                           August 31, 2002 for the Universal Card Master Trust
                           Series 1995-3 certificates were distributed on
                           September 17, 2002.

Item 6.                    Not Applicable.

Item 7.                    Exhibits.

The following are filed as Exhibits to this Report under Exhibits 20.1.


Exhibit 20.1                                Monthly Servicing Report dated
                                            September 17, 2002 with respect to
                                            the Universal Card Master Trust
                                            Series 1995-3.


                                                     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 (Registrant)



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




                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                      Universal Card Master Trust
                    For the Due Period Ending August 31, 2002

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

This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.

<table>
<Caption>
A.   Information Regarding the Total Trust
     -------------------------------------

         <S>                                                            <C>
1. Trust Portfolio Yield ..................................            11.59%
       Total Yield Component  .............................            15.26%
       Net Credit Loss Component  .........................             3.67%
       Recoveries .........................................             0.71%
2. Principal Purchase Rate  ...............................            15.61%

3. Principal Payment  Rate  ...............................            13.26%

4. Aggregate Amount of Principal Receivables in the Trust :
     Beginning of Due Period  ............................  $   7,170,021,347
     Weighted Average (used for mid-month addition)  .....  $               0
     Lump Sum Addition  ..................................  $               0
     End of Due Period  ..................................  $   7,312,966,541
     Transferor's Interest  ..............................  $   2,877,916,541
     Aggregate Invested Amount of all Series: ............  $   4,435,050,000
</table>

5. 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) :

<table>
<Caption>
                 <S>                                           <C>
       Current  ..........................................  $   6,993,991,602
         5-34 days delinquent  ...........................  $     295,055,461
        35-64 days delinquent  ...........................  $      94,956,088
        65-94 days delinquent  ...........................  $      47,907,150
       95-124 days delinquent  ...........................  $      37,081,099
      125-154 days delinquent  ...........................  $      29,369,294
      155-184 days delinquent  ...........................  $      26,013,957
</table>

<table>
<Caption>
               <S>                                                    <C>
      Current  ...........................................             92.95%
         5-34 days delinquent  ...........................              3.92%
        35-64 days delinquent  ...........................              1.26%
        65-94 days delinquent  ...........................              0.64%
       95-124 days delinquent  ...........................              0.49%
      125-154 days delinquent  ...........................              0.39%
      155-184 days delinquent  ...........................              0.35%
     35+ days delinquent  ................................              3.13%
</table>

                                      Page 4




                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                         Universal Card Master Trust
                    For the Due Period Ending August 31, 2002

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

B. Information Regarding Group 1
   -----------------------------
<table>
<Caption>
  (Percentage Basis)
         <S>                                               <C>
  1. Portfolio Yield                                      11.59%
  2. Weighted Average Certificate Rate                     1.50%
  3. Weighted Average Investor Fee Rates                   1.87%
</table>


C. Information Regarding Group 1
   -----------------------------
<table>
<Caption>
  (Dollars Basis)

            <S>                                     <C>
  1. Total Investor Collections                 $   106,909,641
         Principal Collections                  $    99,447,662
         Finance Charge Collections             $     7,461,980
  2. Investor Default Amount                    $     1,794,583
  3. Investor Monthly Interest                  $       707,570
  4. Investor Monthly Fees                      $       914,547
</table>









                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002

==============================================================================
This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.

<table>
<Caption>
C2. Information Regarding Series 1995-3
   ------------------------------------
         <S>                                              <C>
    1. Total Investor Collections                    $  106,909,641
         Principal Collections                       $   99,447,662
         Reallocated Finance Charge Collections      $    7,461,980
    2. Investor Default Amount                       $    1,794,583
    3. Investor Monthly Interest                     $      707,570
    4. Investor Monthly Servicing Fee                $      914,547
    5. Excess Finance Charge Collections             $    4,088,976
</table>

*Finance charges have been reallocated based on sharing mechanics within the
Group, this amount also includes investment proceeds due to Series.

C3. Information Regarding Trigger Level
   ------------------------------------
<table>
<Caption>
Current Month
  <S>                                                      <C>
    1. Series Adjusted Portfolio Yield - current month   11.68%

    2. Base Rate - current month                          3.32%
         Coupon Component                                 1.45%
         Servicing Component                              1.87%
    3. Excess Spread Percentage - current month           8.36%
</table>

<table>
<Caption>
3 Month Averages
  <S>                                                      <C>
    4. Series Adjusted Portfolio Yield - 3 month average 11.12%

    5. Base Rate - 3 month average                        3.67%
         Coupon Component                                 1.80%
         Servicing Component                              1.87%
    6. Excess Spread Percentage - 3 month average         7.45%
</table>













                                      Page 4

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002

==============================================================================
This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.
<table>
<Caption>
D. Information Regarding Series 1995-3
--------------------------------------

             <S>                                            <C>
 1a. Class A Invested Amount                             $  163,125,000

 1b. Class B Invested Amount                             $   45,000,000

 1c. CIA Invested Amount                                 $   52,500,000

 2a. Class A Monthly Interest                            $      538,766

 2b. Class B Monthly Interest                            $       78,300

 2c. CIA Monthly Interest                                $       90,504

 3a. Balance in the Class A Interest Funding Account     $    2,303,688

 3b. Balance in the Class B Interest Funding Account     $      167,400

 3c. Balance in the CIA Interest Funding Account         $       90,504

 4a. Class A Investor Charge-offs                        $            0

 4b. Class B Investor Charge-offs                        $            0

 4c. CIA Investor Charge-offs                            $            0

 5. Required Amount                                      $            0

 6a. Class A Principal Deposit to PFA (2)                $  163,125,000

 6b. Class B Principal Deposit to PFA (2)                $            0

 6c. CIA Principal Deposit to PFA (2)                    $            0

 7a. Balance in Class A Principal Funding Account (2)    $  489,375,000

 7b. Balance in Class B Principal Funding Account (2)    $            0

 7c. Balance in CIA Principal Funding Account (2)        $            0
</table>
--------------------------------------------------------------------------
(2) Applicable during the Accumulation Period and any Early Amortization Period


                                      Page 5

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer
==============================================================================
                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002
==============================================================================
This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.
<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

1c. The total amount of the distribution to CIA provider
    on the Payment Date                                               $       90,504

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

2c. The amount of the distribution set forth in item 1(c) above
    in respect of principal on the CIA                                $            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

3c. The amount of the distribution set forth in item 1(c) above
    in respect of interest on the CIA                                 $       90,504

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                                       $  489,375,000

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

4c. The amount, if any, by which the outstanding principal
    balance of the CIA exceeds the CIA
    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 6

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002

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

This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.

The undersigned, a duly authorized representative of Citibank (South Dakota),
National Association as Servicer, pursuant to the Amended and Restated Pooling
and Servicing Agreement dated as of April 24, 1998 (as amended and supplemented,
the 'Pooling and Servicing Agreement'), among Citibank (South Dakota), National
Association (as successor to Universal Bank, N.A.), as Transferor and Citibank
(South Dakota), National Association(as successor to Universal Card Services
Corp.), as Servicer and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company), as Trustee (the 'Trustee'), does hereby certify the information
set forth below.

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

           2.    Citibank (South Dakota), National Association, 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 September 17, 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 the date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

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


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

                             Citibank (South Dakota), National Association,
                             Servicer

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 7















                                      Page 5
[{"type": "8-K", "sequence": "1", "filename": "ucs083102.txt", "description": "UCS MONTHLY 8-K", "secsgml_size_bytes": 19089}]
{"company-data": {"conformed-name": "AT&T UNIVERSAL CARD MASTER TRUST", "cik": "0000947183", "assigned-sic": "6189", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "033-93806-01", "film-number": "02768664"}, "business-address": {"street1": "C/O CITIGROUP INC", "street2": "425 PARK AVENUE 2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043", "phone": "2127937306"}, "mail-address": {"street1": "C/O CITIGROUP INC", "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): September 17th, 2002
 ------------------------------------------------------------------------------

                  Citibank (SOUTH DAKOTA), NATIONAL ASSOCIATION
                                  ON BEHALF OF
                           UNIVERSAL CARD MASTER TRUST
                    (Issuer of the Asset Backed Certificates)
 -------------------------------------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)

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

                                    33-93806
                                    333-02878
                                    333-09309
                                    333-79497
                            -------------------------
                            (Commission File Numbers)

                                   46-0358360
                            -------------------------
                      (IRS Employer Identification Number)

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

        Registrants telephone number, including area code (605) 331-2626

                                 Not Applicable
          -------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)

INFORMATION TO BE INCLUDED IN THE REPORT

Items 1-4.                 Not Applicable

Item 5.                    The Certificateholder Statements for the month ending
                           August 31, 2002 for the Universal Card Master Trust
                           Series 1995-3 certificates were distributed on
                           September 17, 2002.

Item 6.                    Not Applicable.

Item 7.                    Exhibits.

The following are filed as Exhibits to this Report under Exhibits 20.1.

Exhibit 20.1                                Monthly Servicing Report dated
                                            September 17, 2002 with respect to
                                            the Universal Card Master Trust
                                            Series 1995-3.

                                                     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 (Registrant)

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

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                      Universal Card Master Trust
                    For the Due Period Ending August 31, 2002

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

This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.
A.   Information Regarding the Total Trust
     -------------------------------------
1. Trust Portfolio Yield ..................................            11.59%
       Total Yield Component  .............................            15.26%
       Net Credit Loss Component  .........................             3.67%
       Recoveries .........................................             0.71%
2. Principal Purchase Rate  ...............................            15.61%

3. Principal Payment  Rate  ...............................            13.26%

4. Aggregate Amount of Principal Receivables in the Trust :
     Beginning of Due Period  ............................  $   7,170,021,347
     Weighted Average (used for mid-month addition)  .....  $               0
     Lump Sum Addition  ..................................  $               0
     End of Due Period  ..................................  $   7,312,966,541
     Transferor's Interest  ..............................  $   2,877,916,541
     Aggregate Invested Amount of all Series: ............  $   4,435,050,000
5. 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  ..........................................  $   6,993,991,602
         5-34 days delinquent  ...........................  $     295,055,461
        35-64 days delinquent  ...........................  $      94,956,088
        65-94 days delinquent  ...........................  $      47,907,150
       95-124 days delinquent  ...........................  $      37,081,099
      125-154 days delinquent  ...........................  $      29,369,294
      155-184 days delinquent  ...........................  $      26,013,957
Current  ...........................................             92.95%
         5-34 days delinquent  ...........................              3.92%
        35-64 days delinquent  ...........................              1.26%
        65-94 days delinquent  ...........................              0.64%
       95-124 days delinquent  ...........................              0.49%
      125-154 days delinquent  ...........................              0.39%
      155-184 days delinquent  ...........................              0.35%
     35+ days delinquent  ................................              3.13%
Page 4

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                         Universal Card Master Trust
                    For the Due Period Ending August 31, 2002

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

B. Information Regarding Group 1
   -----------------------------
(Percentage Basis)
1. Portfolio Yield                                      11.59%
  2. Weighted Average Certificate Rate                     1.50%
  3. Weighted Average Investor Fee Rates                   1.87%
C. Information Regarding Group 1
   -----------------------------
(Dollars Basis)
1. Total Investor Collections                 $   106,909,641
         Principal Collections                  $    99,447,662
         Finance Charge Collections             $     7,461,980
  2. Investor Default Amount                    $     1,794,583
  3. Investor Monthly Interest                  $       707,570
  4. Investor Monthly Fees                      $       914,547
Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002

==============================================================================
This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.
C2. Information Regarding Series 1995-3
   ------------------------------------
1. Total Investor Collections                    $  106,909,641
         Principal Collections                       $   99,447,662
         Reallocated Finance Charge Collections      $    7,461,980
    2. Investor Default Amount                       $    1,794,583
    3. Investor Monthly Interest                     $      707,570
    4. Investor Monthly Servicing Fee                $      914,547
    5. Excess Finance Charge Collections             $    4,088,976
*Finance charges have been reallocated based on sharing mechanics within the
Group, this amount also includes investment proceeds due to Series.

C3. Information Regarding Trigger Level
   ------------------------------------
Current Month
1. Series Adjusted Portfolio Yield - current month   11.68%

    2. Base Rate - current month                          3.32%
         Coupon Component                                 1.45%
         Servicing Component                              1.87%
    3. Excess Spread Percentage - current month           8.36%
3 Month Averages
4. Series Adjusted Portfolio Yield - 3 month average 11.12%

    5. Base Rate - 3 month average                        3.67%
         Coupon Component                                 1.80%
         Servicing Component                              1.87%
    6. Excess Spread Percentage - 3 month average         7.45%
Page 4

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002

==============================================================================
This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.
D. Information Regarding Series 1995-3
--------------------------------------
1a. Class A Invested Amount                             $  163,125,000

 1b. Class B Invested Amount                             $   45,000,000

 1c. CIA Invested Amount                                 $   52,500,000

 2a. Class A Monthly Interest                            $      538,766

 2b. Class B Monthly Interest                            $       78,300

 2c. CIA Monthly Interest                                $       90,504

 3a. Balance in the Class A Interest Funding Account     $    2,303,688

 3b. Balance in the Class B Interest Funding Account     $      167,400

 3c. Balance in the CIA Interest Funding Account         $       90,504

 4a. Class A Investor Charge-offs                        $            0

 4b. Class B Investor Charge-offs                        $            0

 4c. CIA Investor Charge-offs                            $            0

 5. Required Amount                                      $            0

 6a. Class A Principal Deposit to PFA (2)                $  163,125,000

 6b. Class B Principal Deposit to PFA (2)                $            0

 6c. CIA Principal Deposit to PFA (2)                    $            0

 7a. Balance in Class A Principal Funding Account (2)    $  489,375,000

 7b. Balance in Class B Principal Funding Account (2)    $            0

 7c. Balance in CIA Principal Funding Account (2)        $            0
--------------------------------------------------------------------------
(2) Applicable during the Accumulation Period and any Early Amortization Period

                                      Page 5

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer
==============================================================================
                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002
==============================================================================
This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.
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

1c. The total amount of the distribution to CIA provider
    on the Payment Date                                               $       90,504

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

2c. The amount of the distribution set forth in item 1(c) above
    in respect of principal on the CIA                                $            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

3c. The amount of the distribution set forth in item 1(c) above
    in respect of interest on the CIA                                 $       90,504

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                                       $  489,375,000

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

4c. The amount, if any, by which the outstanding principal
    balance of the CIA exceeds the CIA
    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 6

                Citibank (South Dakota), National Association, Transferor
                 Citibank (South Dakota), National Association, Servicer

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

                 Universal Card Master Trust, Series 1995-3
                    For the Due Period Ending August 31, 2002

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

This Certificate relates to the Due Period ending Aug 31, 2002 and the related
Distribution Date.

The undersigned, a duly authorized representative of Citibank (South Dakota),
National Association as Servicer, pursuant to the Amended and Restated Pooling
and Servicing Agreement dated as of April 24, 1998 (as amended and supplemented,
the 'Pooling and Servicing Agreement'), among Citibank (South Dakota), National
Association (as successor to Universal Bank, N.A.), as Transferor and Citibank
(South Dakota), National Association(as successor to Universal Card Services
Corp.), as Servicer and Deutsche Bank Trust Company Americas (formerly Bankers
Trust Company), as Trustee (the 'Trustee'), does hereby certify the information
set forth below.

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

           2.    Citibank (South Dakota), National Association, 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 September 17, 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 the date hereof, to the best knowledge of the
                 undersigned, no Amortization Event has been deemed
                 to have occurred on or prior to such Distribution Date.

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

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

                             Citibank (South Dakota), National Association,
                             Servicer

                                By:     /s/ Andrew Lubliner
                                   __________________________________________
                                        Name:    Andrew Lubliner
                                        Title:   Servicing Officer
                                      Page 7

                                      Page 5