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): December 8, 1997
                      ------------------------------------


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

      8 7/8% Class A Credit Card Participation Certificates, Series 1991-3
      9 1/4% Class B Credit Card Participation Certificates, Series 1991-3
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       5.50% Class A Credit Card Participation Certificates, Series 1993-3
       5.70% Class B Credit Card Participation Certificates, Series 1993-3
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       6.80% Class A Credit Card Participation Certificates, Series 1994-3
       7.00% Class B Credit Card Participation Certificates, Series 1994-3
       8.25% Class A Credit Card Participation Certificates, Series 1994-4
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
       8.45% Class B Credit Card Participation Certificates, Series 1995-1

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

       7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-4
       7.65% Class B Credit Card Participation Certificates, Series 1995-4
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-5
       6.75% Class A Credit Card Participation Certificates, Series 1995-6
       6.90% Class B Credit Card Participation Certificates, Series 1995-6
       6.70% Class A Credit Card Participation Certificates, Series 1995-8
       6.85% Class B Credit Card Participation Certificates, Series 1995-8
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
      5.90% Class A Credit Card Participation Certificates, Series 1995-10
      6.05% Class B Credit Card Participation Certificates, Series 1995-10
  Floating Rate Class A Credit Card Participation Certificates, Series 1995-11
    Zero Coupon Class A Credit Card Participation Certificates, Series 1996-1
    Zero Coupon Class B Credit Card Participation Certificates, Series 1996-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-6
       6.55% Class A Credit Card Participation Certificates, Series 1997-2
       6.70% Class B Credit Card Participation Certificates, Series 1997-2
      6.839% Class A Credit Card Participation Certificates, Series 1997-3
      6.989% Class B Credit Card Participation Certificates, Series 1997-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-4
   Floating Rate Class B Credit Card Participation Certificates, Series 1997-4
    Zero Coupon Class A Credit Card Participation Certificates, Series 1997-6
    Zero Coupon Class B Credit Card Participation Certificates, Series 1997-6
       6.35% Class A Credit Card Participation Certificates, Series 1997-7
       6.45% Class B Credit Card Participation Certificates, Series 1997-7
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-8
  Floating Rate Class A Credit Card Participation Certificates, Series 1997-10
  Floating Rate Class B Credit Card Participation Certificates, Series 1997-10
                       (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.)


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


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


        Registrant's telephone number, including area code (605) 331-2626


                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)


                                                       (cover page 2 of 2 pages)


                                       2
<PAGE>

ITEM 5.  OTHER EVENTS.

     Set forth below is the monthly report and servicer's  certificate  for each
Series  referenced on the cover page of this Form 8-K (each, a "Monthly Report")
for the Due Period ending November 24,1997 and the related  Distribution  Date
delivered  pursuant to Section 5.02 of the applicable  Series  Supplement to the
Pooling and Servicing Agreement (together, the "Agreement") relating to Citibank
Credit Card Master Trust I, among Citibank (South  Dakota),  N.A., as Seller and
Servicer,  Citibank (Nevada),  National Association,  as Seller, and Yasuda Bank
and Trust Company (U.S.A.), as Trustee. Each Monthly Report contains information
relating  to the  distribution,  if any,  to  Certificateholders  of the related
Series on the referenced  Distribution  Date as well as information  relating to
the  Receivables  and the  Accounts  from  which the  Receivables  have  arisen.
Capitalized terms used but not defined herein have the meanings set forth in the
Agreement.


                                       3
<PAGE>


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

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

                      CITIBANK CREDIT CARD MASTER TRUST I
                  For the Due Period Ending November 24, 1997

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


This Certificate relates to the Due Period ending November  24,  1997  and
the related Distribution Date.

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

    1.  Portfolio Yield.........................................         12.07%

          Yield Component.......................................         18.35%

          Credit Loss Component.................................          6.28%

    2.  New Purchase Rate.......................................         17.44%

    3.  Total Payment Rate......................................         18.00%

    4.  Principal Payment Rate..................................         17.06%

    5.  Aggregate Amount of Principal Receivables in the Trust:

          Beginning of Due Period..............................$ 34,256,092,858

          Average..............................................$ 34,068,382,546

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

          End of Due Period....................................$ 33,999,356,106

    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............................................$ 30,721,712,043
               5-34 days delinquent............................$  2,118,122,027
              35-64 days delinquent............................$    653,893,885
              65-94 days delinquent............................$    376,594,997
             95-124 days delinquent............................$    280,599,076
            125-154 days delinquent............................$    222,625,520
            155-184 days delinquent............................$    177,139,649

            Current.............................................         88.92%
               5-34 days delinquent.............................          6.13%
              35-64 days delinquent.............................          1.89%
              65-94 days delinquent.............................          1.09%
             95-124 days delinquent.............................          0.81%
            125-154 days delinquent.............................          0.64%
            155-184 days delinquent.............................          0.52%


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

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

                  CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending November 24, 1997

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

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

   1.  Portfolio Yield                              12.07%              12.05%
   2.  Weighted Average Certificate Rate             6.56%               6.53%
   3.  Weighted Average Investor Fee Rates
           Fixed Servicing Fee                       0.46%               0.47%
           Others                                    0.12%               0.12%
   4.  Surplus Finance Charge Collections            4.93%               4.93%
   5.  Required Surplus Finance Charge Amount        0.00%               0.00%
   6.  Aggregate Surplus Finance Charge Amount       4.93%               4.93%
        minus Required Surplus Finance Charge Amount

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

   1.  Total Investor Collections                 $4,885,010,873 $ 4,884,678,373
           Principal Collections                  $4,530,786,375 $ 4,530,786,375
           Finance Charge Collections             $  354,224,498 $   353,891,998
   2.  Investor Default Amount                    $  122,500,185 $   122,500,185
   3.  Investor Monthly Interest                  $  148,650,462 $   148,064,358
   4.  Investor Monthly Fees
           Fixed Servicing Fees                   $   10,192,045 $    10,274,062
           Others                                 $    2,447,587 $     2,445,931
   5.  Surplus Finance Charge Collections         $   70,434,219 $    70,607,467
   6.  Required Surplus Finance Charge Collections$            0 $             0
   7.  Aggregate Surplus Finance Charge Amount    $   70,434,219 $    70,607,467
       minus Required Surplus Finance Charge Amount


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

       All percents are based on actual cash revenue or expense for the  period,
       converted  to  an  annualized percent using daycounts appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash  expenses  may accrue from October 29, 1997 to November 24, 1997, 27
       days, or November 7 , 1997 to December 7 , 1997, 31 days (standard basis)


                                       5
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1991-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1991-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    510,416,667

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

   2a.  Class A Monthly Interest .............................$      4,314,236

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

   3a.  Balance in the Class A Interest Funding Account.......$     32,356,771

   3b.  Balance in the Class B Interest Funding Account.......$      4,201,042

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

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

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

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

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

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

   8a.  Class A Monthly Principal for the Distribution Date(2)$     72,916,667

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

   9a.  Balance in the Class A Principal Funding Account(2)...$    364,583,333

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

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

                                       6
<PAGE>
                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending November 24, 1997

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


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...............................$  364,583,333

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


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

                                       7
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending November 24, 1997

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

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

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


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

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

               Citibank Credit Card Master Trust I, Series 1991-6
                   For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1991-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1991-6
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    779,166,667

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$      5,578,125

   3b.  Balance in the Class B Interest Funding Account.......$        734,104

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

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

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

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

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

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

   8a.  Class A Monthly Principal for the Distribution Date(2)$     70,833,333

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

   9a.  Balance in the Class A Principal Funding Account(2)...$     70,833,333

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

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

                                       9
<PAGE>
                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1991-6
                   For the Due Period Ending November 24, 1997

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


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...............................$   70,833,333

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


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


                                       10
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1991-6
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1991-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1993-2 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

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

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     11,156,250

   3b.  Balance in the Class B Interest Funding Account.......$        738,000

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending November 24, 1997

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


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.

                                       13
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1993-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1993-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1993-3
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     17,187,500

   3b.  Balance in the Class B Interest Funding Account.......$      1,140,000

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending November 24, 1997

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


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

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

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

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

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

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

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

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1993-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1994-2 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

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

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     11,358,333

   3b.  Balance in the Class B Interest Funding Account.......$        750,000

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending November 24, 1997

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


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

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

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

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

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

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

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

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

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


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



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

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

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1994-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


                                       20
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1994-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1994-3
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$      5,666,667

   3b.  Balance in the Class B Interest Funding Account.......$        373,333

   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.

                                       21
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending November 24, 1997

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


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

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

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

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

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

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

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

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

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


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


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

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

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1994-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1994-4 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1994-4
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      5,156,250

   2b.  Class B Monthly Interest .............................$        248,258

   3a.  Balance in the Class A Interest Funding Account.......$      5,156,250

   3b.  Balance in the Class B Interest Funding Account.......$        248,258

   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.

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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending November 24, 1997

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


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....................$      248,258

    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........$      248,258

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1994-4 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-1 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

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

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     21,484,375

   3b.  Balance in the Class B Interest Funding Account.......$      1,408,333

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

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

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

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

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

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

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

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

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

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

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

                                       27
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending November 24, 1997

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


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

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

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

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

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

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

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

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-1 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-3
    ------------------------------------

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

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

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

   2b.  Class B Monthly Interest .............................$        203,782

   3a.  Balance in the Class A Interest Funding Account.......$     16,354,167

   3b.  Balance in the Class B Interest Funding Account.......$        203,782

   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.

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending November 24, 1997

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


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....................$      203,782

    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........$      203,782

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-4 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-4
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      4,647,222

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

   3a.  Balance in the Class A Interest Funding Account.......$      4,647,222

   3b.  Balance in the Class B Interest Funding Account.......$      1,632,000

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                  For the Due Period Ending November 24, 1997

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


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.


                                       34
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1995-4
                  For the Due Period Ending November 24, 1997

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

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

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-5 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-5
    ------------------------------------

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

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

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

   2b.  Class B Monthly Interest .............................$        325,500

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

   3b.  Balance in the Class B Interest Funding Account.......$        325,500

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

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

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

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

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

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

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

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

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

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

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

                                       36
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending November 24, 1997

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


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....................$      325,500

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

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

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

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      325,500

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-5 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-6
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     25,312,500

   3b.  Balance in the Class B Interest Funding Account.......$      1,656,000

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending November 24, 1997

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


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....................$   25,312,500

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,656,000

    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........$   25,312,500

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,656,000

    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.



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

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

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-8 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-8
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$      6,700,000

   3b.  Balance in the Class B Interest Funding Account.......$        437,372

   4a.  Available Cash Collateral Amount......................$     29,787,800

   4b.  Percent of Class B Invested Amount         ............        116.63%

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending November 24, 1997

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


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

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

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

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

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

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

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

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-8 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

                                       44
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-9 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

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

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$      5,458,333

   3b.  Balance in the Class B Interest Funding Account.......$        354,667

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

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

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

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

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

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

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

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

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

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

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

                                       45
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending November 24, 1997

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


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.


                                       46
<PAGE>

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

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

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-9 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

                                       47
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented by the Series 1995-10 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-10
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     14,750,000

   3b.  Balance in the Class B Interest Funding Account.......$        968,000

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

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

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

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

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

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

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

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

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

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

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

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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending November 24, 1997

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


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.

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

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

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-10 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented by the Series 1995-11 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-11
    ------------------------------------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending November 24, 1997

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


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

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

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      197,600

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

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

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

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      197,600

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

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


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


                                       52
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-11 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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


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

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1996-1 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1996-1
    ------------------------------------

   1a.  Class A Accreted Invested Amount......................$    828,826,196

   1b.  Class B Accreted Invested Amount......................$     52,793,324

   2a.  Class A Monthly Accretion.............................$      3,999,563

   2b.  Class B Monthly Accretion.............................$        261,224

   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......................$     61,782,598

   4b.  Percent of Class B Accreted Invested Amount............        117.03%

   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.

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

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending November 24, 1997

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


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

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

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

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

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

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

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

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

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


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

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

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

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1996-1 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1996-5 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1996-5
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     12,879,563

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending November 24, 1997

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


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

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$   12,879,562

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

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

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

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$   12,879,562

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

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

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


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

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

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

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1996-5 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending November 24, 1997

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1996-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1996-6
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     15,215,780

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

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

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

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

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

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

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

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

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

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

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

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

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending November 24, 1997

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


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

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$   15,215,780

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

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

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

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$   15,215,780

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

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

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


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

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

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

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending November 24, 1997

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1996-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 10, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

                                       62
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

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

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-2 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-2
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      4,093,750

   2b.  Class B Monthly Interest .............................$        268,000

   3a.  Balance in the Class A Interest Funding Account.......$     16,375,000

   3b.  Balance in the Class B Interest Funding Account.......$      1,072,000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

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

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

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

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

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-3
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      2,279,667

   2b.  Class B Monthly Interest .............................$        148,749

   3a.  Balance in the Class A Interest Funding Account.......$      9,118,667

   3b.  Balance in the Class B Interest Funding Account.......$        594,997

   4a.  Available Cash Collateral Amount......................$     29,787,800

   4b.  Percent of Class B Invested Amount         ............        116.63%

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

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

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

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

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

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

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

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

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

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

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

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

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


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.

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

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

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

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 10, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

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

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-4 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-4
    ------------------------------------

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

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

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

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

   3a.  Balance in the Class A Interest Funding Account.......$     12,762,000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$   12,762,000

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

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

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

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$   12,762,000

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

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

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


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

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

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

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

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-4 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 10, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

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

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-6
    ------------------------------------

   1a.  Class A Accreted Invested Amount......................$    653,204,501

   1b.  Class B Accreted Invested Amount......................$     41,396,936

   2a.  Class A Monthly Accretion.............................$      3,441,907

   2b.  Class B Monthly Accretion.............................$        223,170

   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......................$     48,808,201

   4b.  Percent of Class B Accreted Invested Amount............        117.90%

   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.

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

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

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

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


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.

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

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

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

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

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

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

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

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


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


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

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

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

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

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


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-7 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-7
    ------------------------------------

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

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

   2a.  Class A Monthly Interest .............................$      3,307,292

   2b.  Class B Monthly Interest .............................$        215,000

   3a.  Balance in the Class A Interest Funding Account.......$     12,898,438

   3b.  Balance in the Class B Interest Funding Account.......$        838,500

   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.

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

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

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

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

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-7 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

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

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

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,


                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       77
<PAGE>
                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-8
                   For the Due Period Ending November 24, 1997

================================================================================


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-8 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-8
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      3,353,438

   2b.  Class B Monthly Interest .............................$        219,800

   3a.  Balance in the Class A Interest Funding Account.......$     10,898,672

   3b.  Balance in the Class B Interest Funding Account.......$        219,800

   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.

                                       78
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending November 24, 1997

================================================================================


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....................$   10,898,672

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      219,800

    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........$   10,898,672

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      219,800

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0


        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       79
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-8 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,


                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       80
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending November 24, 1997

================================================================================


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented by the Series 1997-10 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-10
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    500,000,000

   1b.  Class B Invested Amount         ......................$     32,000,000

   2a.  Class A Monthly Interest .............................$      2,749,566

   2b.  Class B Monthly Interest .............................$        180,950

   3a.  Balance in the Class A Interest Funding Account.......$      2,749,566

   3b.  Balance in the Class B Interest Funding Account.......$        180,950

   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.

                                       81
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending November 24, 1997

================================================================================


E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$    2,749,566

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      180,950

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$    2,749,566

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      180,950

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0


        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       82
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-10 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.


                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,


                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       83
<PAGE>

                                   SIGNATURES

                 Pursuant to the requirements of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                                CITIBANK (SOUTH DAKOTA), N.A.,
                                   as Servicer
                                Citibank Credit Card Master Trust I



                          By: /s/ Eugene D. Rowenhorst
                             ----------------------------------------------
                              Eugene D. Rowenhorst
                              Senior Vice President


Date: December 15, 1997


                                       84
<PAGE>
[{"type": "8-K", "sequence": "1", "description": "CITIBANK CREDIT CARD MASTER TRUST I", "secsgml_size_bytes": 213276}]
{"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": "97743465"}, "business-address": {"street1": "701 E 60TH ST N", "city": "SIOUX FALLS", "state": "SD", "zip": "57117", "phone": "6053312626"}, "mail-address": {"street1": "CITIBANK N A LEGAL AFFAIRS OFFICE", "street2": "425 PARK AVENUE 2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043"}}
SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported): December 8, 1997
                      ------------------------------------

                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                       CITIBANK CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Citibank Credit Card Master Trust I

      8 7/8% Class A Credit Card Participation Certificates, Series 1991-3
      9 1/4% Class B Credit Card Participation Certificates, Series 1991-3
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
       6.15% Class B Credit Card Participation Certificates, Series 1993-2
       5.50% Class A Credit Card Participation Certificates, Series 1993-3
       5.70% Class B Credit Card Participation Certificates, Series 1993-3
       7.25% Class A Credit Card Participation Certificates, Series 1994-2
       7.50% Class B Credit Card Participation Certificates, Series 1994-2
       6.80% Class A Credit Card Participation Certificates, Series 1994-3
       7.00% Class B Credit Card Participation Certificates, Series 1994-3
       8.25% Class A Credit Card Participation Certificates, Series 1994-4
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
       8.45% Class B Credit Card Participation Certificates, Series 1995-1

                                                       (cover page 1 of 2 pages)
                                       1
7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-4
       7.65% Class B Credit Card Participation Certificates, Series 1995-4
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-5
       6.75% Class A Credit Card Participation Certificates, Series 1995-6
       6.90% Class B Credit Card Participation Certificates, Series 1995-6
       6.70% Class A Credit Card Participation Certificates, Series 1995-8
       6.85% Class B Credit Card Participation Certificates, Series 1995-8
       6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
      5.90% Class A Credit Card Participation Certificates, Series 1995-10
      6.05% Class B Credit Card Participation Certificates, Series 1995-10
  Floating Rate Class A Credit Card Participation Certificates, Series 1995-11
    Zero Coupon Class A Credit Card Participation Certificates, Series 1996-1
    Zero Coupon Class B Credit Card Participation Certificates, Series 1996-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-5
   Floating Rate Class A Credit Card Participation Certificates, Series 1996-6
   Floating Rate Class B Credit Card Participation Certificates, Series 1996-6
       6.55% Class A Credit Card Participation Certificates, Series 1997-2
       6.70% Class B Credit Card Participation Certificates, Series 1997-2
      6.839% Class A Credit Card Participation Certificates, Series 1997-3
      6.989% Class B Credit Card Participation Certificates, Series 1997-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-4
   Floating Rate Class B Credit Card Participation Certificates, Series 1997-4
    Zero Coupon Class A Credit Card Participation Certificates, Series 1997-6
    Zero Coupon Class B Credit Card Participation Certificates, Series 1997-6
       6.35% Class A Credit Card Participation Certificates, Series 1997-7
       6.45% Class B Credit Card Participation Certificates, Series 1997-7
   Floating Rate Class A Credit Card Participation Certificates, Series 1997-8
  Floating Rate Class A Credit Card Participation Certificates, Series 1997-10
  Floating Rate Class B Credit Card Participation Certificates, Series 1997-10
                       (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.)

      33-38312, 33-41054, 33-41055, 33-42235, 33-43575, 33-43576, 33-47657,
     33-48148, 33-52152, 33-62180, 33-77802, 33-84834, 33-97664 AND 33-99328
                              (Commission File No.)

    701 EAST 60TH STREET, NORTH
     SIOUX FALLS, SOUTH DAKOTA                              57117
(Address of principal executive offices)                  (Zip Code)

        Registrant's telephone number, including area code (605) 331-2626

                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

                                                       (cover page 2 of 2 pages)

                                       2
ITEM 5.  OTHER EVENTS.

     Set forth below is the monthly report and servicer's  certificate  for each
Series  referenced on the cover page of this Form 8-K (each, a "Monthly Report")
for the Due Period ending November 24,1997 and the related  Distribution  Date
delivered  pursuant to Section 5.02 of the applicable  Series  Supplement to the
Pooling and Servicing Agreement (together, the "Agreement") relating to Citibank
Credit Card Master Trust I, among Citibank (South  Dakota),  N.A., as Seller and
Servicer,  Citibank (Nevada),  National Association,  as Seller, and Yasuda Bank
and Trust Company (U.S.A.), as Trustee. Each Monthly Report contains information
relating  to the  distribution,  if any,  to  Certificateholders  of the related
Series on the referenced  Distribution  Date as well as information  relating to
the  Receivables  and the  Accounts  from  which the  Receivables  have  arisen.
Capitalized terms used but not defined herein have the meanings set forth in the
Agreement.

                                       3
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                      CITIBANK CREDIT CARD MASTER TRUST I
                  For the Due Period Ending November 24, 1997

================================================================================

This Certificate relates to the Due Period ending November  24,  1997  and
the related Distribution Date.

A.  Information Regarding the Portfolio
    -----------------------------------

    1.  Portfolio Yield.........................................         12.07%

          Yield Component.......................................         18.35%

          Credit Loss Component.................................          6.28%

    2.  New Purchase Rate.......................................         17.44%

    3.  Total Payment Rate......................................         18.00%

    4.  Principal Payment Rate..................................         17.06%

    5.  Aggregate Amount of Principal Receivables in the Trust:

          Beginning of Due Period..............................$ 34,256,092,858

          Average..............................................$ 34,068,382,546

          Lump Sum Addition....................................$              0

          End of Due Period....................................$ 33,999,356,106

    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............................................$ 30,721,712,043
               5-34 days delinquent............................$  2,118,122,027
              35-64 days delinquent............................$    653,893,885
              65-94 days delinquent............................$    376,594,997
             95-124 days delinquent............................$    280,599,076
            125-154 days delinquent............................$    222,625,520
            155-184 days delinquent............................$    177,139,649

            Current.............................................         88.92%
               5-34 days delinquent.............................          6.13%
              35-64 days delinquent.............................          1.89%
              65-94 days delinquent.............................          1.09%
             95-124 days delinquent.............................          0.81%
            125-154 days delinquent.............................          0.64%
            155-184 days delinquent.............................          0.52%

                                       4
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                  CITIBANK CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending November 24, 1997

================================================================================

                                             Current Due       Current Due
                                             Period on an      Period on a
                                             Actual Basis(1)   Standard Basis(1)
B. Information Regarding Group 1
   -----------------------------
   (Percentage Basis)

   1.  Portfolio Yield                              12.07%              12.05%
   2.  Weighted Average Certificate Rate             6.56%               6.53%
   3.  Weighted Average Investor Fee Rates
           Fixed Servicing Fee                       0.46%               0.47%
           Others                                    0.12%               0.12%
   4.  Surplus Finance Charge Collections            4.93%               4.93%
   5.  Required Surplus Finance Charge Amount        0.00%               0.00%
   6.  Aggregate Surplus Finance Charge Amount       4.93%               4.93%
        minus Required Surplus Finance Charge Amount

C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1.  Total Investor Collections                 $4,885,010,873 $ 4,884,678,373
           Principal Collections                  $4,530,786,375 $ 4,530,786,375
           Finance Charge Collections             $  354,224,498 $   353,891,998
   2.  Investor Default Amount                    $  122,500,185 $   122,500,185
   3.  Investor Monthly Interest                  $  148,650,462 $   148,064,358
   4.  Investor Monthly Fees
           Fixed Servicing Fees                   $   10,192,045 $    10,274,062
           Others                                 $    2,447,587 $     2,445,931
   5.  Surplus Finance Charge Collections         $   70,434,219 $    70,607,467
   6.  Required Surplus Finance Charge Collections$            0 $             0
   7.  Aggregate Surplus Finance Charge Amount    $   70,434,219 $    70,607,467
       minus Required Surplus Finance Charge Amount

  (1)  Values for "Current Due Period on an Actual Basis" reflect, in  the  case
       of a first due period close of a series, activity from the series cut-off
       or close dates until the first due period end, or,  as  in  the  case  of
       Investor  Monthly Interest and certain fees, until the first distribution
       date. Values for "Current Due Period on a Standard Basis" reflect activi-
       ty  for the entire current period, as if all series had already been out-
       standing prior to the first day of such period.

       All percents are based on actual cash revenue or expense for the  period,
       converted  to  an  annualized percent using daycounts appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash  expenses  may accrue from October 29, 1997 to November 24, 1997, 27
       days, or November 7 , 1997 to December 7 , 1997, 31 days (standard basis)

                                       5
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-3
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1991-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1991-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    510,416,667

   1b.  Class B Invested Amount         ......................$    109,000,000

   2a.  Class A Monthly Interest .............................$      4,314,236

   2b.  Class B Monthly Interest .............................$        840,208

   3a.  Balance in the Class A Interest Funding Account.......$     32,356,771

   3b.  Balance in the Class B Interest Funding Account.......$      4,201,042

   4a.  Available Cash Collateral Amount......................$     68,880,000

   4b.  Percent of Class B Invested Amount         ............         63.19%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$     72,916,667

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$    364,583,333

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       6
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending November 24, 1997

================================================================================

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...............................$  364,583,333

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       7
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1991-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       8
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-6
                   For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1991-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1991-6
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    779,166,667

   1b.  Class B Invested Amount         ......................$    105,500,000

   2a.  Class A Monthly Interest .............................$      5,578,125

   2b.  Class B Monthly Interest .............................$        734,104

   3a.  Balance in the Class A Interest Funding Account.......$      5,578,125

   3b.  Balance in the Class B Interest Funding Account.......$        734,104

   4a.  Available Cash Collateral Amount......................$     66,885,000

   4b.  Percent of Class B Invested Amount         ............         63.40%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$     70,833,333

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$     70,833,333

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       9
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-6
                   For the Due Period Ending November 24, 1997

================================================================================

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...............................$   70,833,333

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       10
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-6
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1991-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       11
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1993-2 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1993-2
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      3,718,750

   2b.  Class B Monthly Interest .............................$        246,000

   3a.  Balance in the Class A Interest Funding Account.......$     11,156,250

   3b.  Balance in the Class B Interest Funding Account.......$        738,000

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       12
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending November 24, 1997

================================================================================

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.

                                       13
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-2
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1993-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       14
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1993-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1993-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      3,437,500

   2b.  Class B Monthly Interest .............................$        228,000

   3a.  Balance in the Class A Interest Funding Account.......$     17,187,500

   3b.  Balance in the Class B Interest Funding Account.......$      1,140,000

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       15
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       16
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-3
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1993-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       17
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1994-2 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1994-2
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    940,000,000

   1b.  Class B Invested Amount         ......................$     60,000,000

   2a.  Class A Monthly Interest .............................$      5,679,167

   2b.  Class B Monthly Interest .............................$        375,000

   3a.  Balance in the Class A Interest Funding Account.......$     11,358,333

   3b.  Balance in the Class B Interest Funding Account.......$        750,000

   4a.  Available Cash Collateral Amount......................$     70,000,000

   4b.  Percent of Class B Invested Amount         ............        116.67%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       18
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       19
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-2
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1994-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       20
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1994-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1994-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    500,000,000

   1b.  Class B Invested Amount         ......................$     32,000,000

   2a.  Class A Monthly Interest .............................$      2,833,333

   2b.  Class B Monthly Interest .............................$        186,667

   3a.  Balance in the Class A Interest Funding Account.......$      5,666,667

   3b.  Balance in the Class B Interest Funding Account.......$        373,333

   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.

                                       21
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       22
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-3
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1994-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       23
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1994-4 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1994-4
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      5,156,250

   2b.  Class B Monthly Interest .............................$        248,258

   3a.  Balance in the Class A Interest Funding Account.......$      5,156,250

   3b.  Balance in the Class B Interest Funding Account.......$        248,258

   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.

                                       24
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending November 24, 1997

================================================================================

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....................$      248,258

    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........$      248,258

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       25
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-4
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1994-4 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       26
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-1 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-1
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    625,000,000

   1b.  Class B Invested Amount         ......................$     40,000,000

   2a.  Class A Monthly Interest .............................$      4,296,875

   2b.  Class B Monthly Interest .............................$        281,667

   3a.  Balance in the Class A Interest Funding Account.......$     21,484,375

   3b.  Balance in the Class B Interest Funding Account.......$      1,408,333

   4a.  Available Cash Collateral Amount......................$     46,550,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       27
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       28
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-1
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-1 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       29
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    625,000,000

   1b.  Class B Invested Amount         ......................$     40,000,000

   2a.  Class A Monthly Interest .............................$      4,088,542

   2b.  Class B Monthly Interest .............................$        203,782

   3a.  Balance in the Class A Interest Funding Account.......$     16,354,167

   3b.  Balance in the Class B Interest Funding Account.......$        203,782

   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.

                                       30
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending November 24, 1997

================================================================================

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....................$      203,782

    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........$      203,782

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       31
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-3
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       32
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-4
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-4 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-4
    ------------------------------------

   1a.  Class A Invested Amount         ......................$  1,000,000,000

   1b.  Class B Invested Amount         ......................$     64,000,000

   2a.  Class A Monthly Interest .............................$      4,647,222

   2b.  Class B Monthly Interest .............................$        408,000

   3a.  Balance in the Class A Interest Funding Account.......$      4,647,222

   3b.  Balance in the Class B Interest Funding Account.......$      1,632,000

   4a.  Available Cash Collateral Amount......................$     74,480,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       33
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-4
                  For the Due Period Ending November 24, 1997

================================================================================

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.

                                       34
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-4
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-4 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       35
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-5 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-5
    ------------------------------------

   1a.  Class A Invested Amount         ......................$  1,000,000,000

   1b.  Class B Invested Amount         ......................$     64,000,000

   2a.  Class A Monthly Interest .............................$      5,687,500

   2b.  Class B Monthly Interest .............................$        325,500

   3a.  Balance in the Class A Interest Funding Account.......$      5,687,500

   3b.  Balance in the Class B Interest Funding Account.......$        325,500

   4a.  Available Cash Collateral Amount......................$     74,480,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       36
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending November 24, 1997

================================================================================

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....................$      325,500

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      325,500

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       37
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-5
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-5 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       38
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-6
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      4,218,750

   2b.  Class B Monthly Interest .............................$        276,000

   3a.  Balance in the Class A Interest Funding Account.......$     25,312,500

   3b.  Balance in the Class B Interest Funding Account.......$      1,656,000

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       39
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending November 24, 1997

================================================================================

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....................$   25,312,500

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,656,000

    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........$   25,312,500

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,656,000

    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.

                                       40
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-6
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       41
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-8 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-8
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    400,000,000

   1b.  Class B Invested Amount         ......................$     25,540,000

   2a.  Class A Monthly Interest .............................$      2,233,333

   2b.  Class B Monthly Interest .............................$        145,791

   3a.  Balance in the Class A Interest Funding Account.......$      6,700,000

   3b.  Balance in the Class B Interest Funding Account.......$        437,372

   4a.  Available Cash Collateral Amount......................$     29,787,800

   4b.  Percent of Class B Invested Amount         ............        116.63%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       42
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       43
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-8
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-8 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       44
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1995-9 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-9
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    500,000,000

   1b.  Class B Invested Amount         ......................$     32,000,000

   2a.  Class A Monthly Interest .............................$      2,729,167

   2b.  Class B Monthly Interest .............................$        177,333

   3a.  Balance in the Class A Interest Funding Account.......$      5,458,333

   3b.  Balance in the Class B Interest Funding Account.......$        354,667

   4a.  Available Cash Collateral Amount......................$     37,240,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       45
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending November 24, 1997

================================================================================

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.

                                       46
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-9 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       47
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented by the Series 1995-10 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-10
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      3,687,500

   2b.  Class B Monthly Interest .............................$        242,000

   3a.  Balance in the Class A Interest Funding Account.......$     14,750,000

   3b.  Balance in the Class B Interest Funding Account.......$        968,000

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       48
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending November 24, 1997

================================================================================

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.

                                       49
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-10 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       50
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented by the Series 1995-11 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1995-11
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    625,000,000

   1b.  Class B Invested Amount         ......................$     40,000,000

   2a.  Class A Monthly Interest .............................$      3,040,104

   2b.  Class B Monthly Interest .............................$        197,600

   3a.  Balance in the Class A Interest Funding Account.......$      3,040,104

   3b.  Balance in the Class B Interest Funding Account.......$        197,600

   4a.  Available Cash Collateral Amount......................$     46,550,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       51
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      197,600

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      197,600

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       52
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1995-11 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       53
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1996-1 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1996-1
    ------------------------------------

   1a.  Class A Accreted Invested Amount......................$    828,826,196

   1b.  Class B Accreted Invested Amount......................$     52,793,324

   2a.  Class A Monthly Accretion.............................$      3,999,563

   2b.  Class B Monthly Accretion.............................$        261,224

   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......................$     61,782,598

   4b.  Percent of Class B Accreted Invested Amount............        117.03%

   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.

                                       54
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       55
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1996-1 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 8 , 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       56
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1996-5 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1996-5
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      4,293,188

   2b.  Class B Monthly Interest .............................$        281,480

   3a.  Balance in the Class A Interest Funding Account.......$     12,879,563

   3b.  Balance in the Class B Interest Funding Account.......$        844,440

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       57
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$   12,879,562

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      844,440

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$   12,879,562

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      844,440

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       58
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                Citibank Credit Card MasterTrust I,Series 1996-5
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1996-5 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       59
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1996-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1996-6
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    940,000,000

   1b.  Class B Invested Amount         ......................$     60,000,000

   2a.  Class A Monthly Interest .............................$      5,071,927

   2b.  Class B Monthly Interest .............................$        333,865

   3a.  Balance in the Class A Interest Funding Account.......$     15,215,780

   3b.  Balance in the Class B Interest Funding Account.......$      1,001,595

   4a.  Available Cash Collateral Amount......................$     70,000,000

   4b.  Percent of Class B Invested Amount         ............        116.67%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       60
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$   15,215,780

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$    1,001,595

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$   15,215,780

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    1,001,595

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       61
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I,Series 1996-6
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1996-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 10, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       62
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-2 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-2
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      4,093,750

   2b.  Class B Monthly Interest .............................$        268,000

   3a.  Balance in the Class A Interest Funding Account.......$     16,375,000

   3b.  Balance in the Class B Interest Funding Account.......$      1,072,000

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       63
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       64
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-2
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       65
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-3 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-3
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    400,000,000

   1b.  Class B Invested Amount         ......................$     25,540,000

   2a.  Class A Monthly Interest .............................$      2,279,667

   2b.  Class B Monthly Interest .............................$        148,749

   3a.  Balance in the Class A Interest Funding Account.......$      9,118,667

   3b.  Balance in the Class B Interest Funding Account.......$        594,997

   4a.  Available Cash Collateral Amount......................$     29,787,800

   4b.  Percent of Class B Invested Amount         ............        116.63%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       66
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending November 24, 1997

================================================================================

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.

                                       67
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-3
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-3 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 10, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       68
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-4 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-4
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      4,254,000

   2b.  Class B Monthly Interest .............................$        279,356

   3a.  Balance in the Class A Interest Funding Account.......$     12,762,000

   3b.  Balance in the Class B Interest Funding Account.......$        838,068

   4a.  Available Cash Collateral Amount......................$     55,860,000

   4b.  Percent of Class B Invested Amount         ............        116.38%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$              0

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$              0

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       69
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$   12,762,000

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      838,068

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$   12,762,000

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      838,068

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       70
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-4
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-4 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 10, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       71
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-6 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-6
    ------------------------------------

   1a.  Class A Accreted Invested Amount......................$    653,204,501

   1b.  Class B Accreted Invested Amount......................$     41,396,936

   2a.  Class A Monthly Accretion.............................$      3,441,907

   2b.  Class B Monthly Accretion.............................$        223,170

   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......................$     48,808,201

   4b.  Percent of Class B Accreted Invested Amount............        117.90%

   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.

                                       72
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending November 24, 1997

================================================================================

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.

                                       73
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-6
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-6 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       74
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-7 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-7
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    625,000,000

   1b.  Class B Invested Amount         ......................$     40,000,000

   2a.  Class A Monthly Interest .............................$      3,307,292

   2b.  Class B Monthly Interest .............................$        215,000

   3a.  Balance in the Class A Interest Funding Account.......$     12,898,438

   3b.  Balance in the Class B Interest Funding Account.......$        838,500

   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.

                                       75
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-7
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$            0

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$            0

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       76
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-7
                   For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-7 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       77
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-8
                   For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented  by the Series 1997-8 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-8
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    750,000,000

   1b.  Class B Invested Amount         ......................$     48,000,000

   2a.  Class A Monthly Interest .............................$      3,353,438

   2b.  Class B Monthly Interest .............................$        219,800

   3a.  Balance in the Class A Interest Funding Account.......$     10,898,672

   3b.  Balance in the Class B Interest Funding Account.......$        219,800

   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.

                                       78
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending November 24, 1997

================================================================================

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....................$   10,898,672

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      219,800

    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........$   10,898,672

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      219,800

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$            0

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       79
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1997-8
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-8 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       80
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending November 24, 1997

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of May 29, 1991, (as amended and supplemented,  the
"Agreement"),  as  supplemented by the Series 1997-10 Supplement (as amended and
supplemented, the "Series Supplement"), among Citibank  (South  Dakota),  Seller
and  Servicer,  Citibank (Nevada), National Association, Seller, and Yasuda Bank
and Trust Company (U.S.A), as Trustee, does hereby certify the  information  set
forth  below.  Capitalized  terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

D.  Information Regarding Series 1997-10
    ------------------------------------

   1a.  Class A Invested Amount         ......................$    500,000,000

   1b.  Class B Invested Amount         ......................$     32,000,000

   2a.  Class A Monthly Interest .............................$      2,749,566

   2b.  Class B Monthly Interest .............................$        180,950

   3a.  Balance in the Class A Interest Funding Account.......$      2,749,566

   3b.  Balance in the Class B Interest Funding Account.......$        180,950

   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.

                                       81
CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending November 24, 1997

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$    2,749,566

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$      180,950

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$            0

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$    2,749,566

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$      180,950

    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.

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CITIBANK (SOUTH DAKOTA), N.A.
                    CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

              Citibank Credit Card Master Trust I, Series 1997-10
                  For the Due Period Ending November 24, 1997

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  May  29,  1991,  (as
     amended  and  supplemented,  the  "Agreement"),  as  supplemented by the
     Series 1997-10 Supplement (as amended and supplemented, the "Series Sup-
     plement"),  among Citibank (South Dakota), Seller and Servicer, Citibank
     (Nevada), National Association, Seller, and Yasuda Bank and  Trust  Com-
     pany (U.S.A), as Trustee, does hereby certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on December 15, 1997.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  December 1997.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:    Joseph Mecca
                                         Title:      Servicing Officer

                                       83
SIGNATURES

                 Pursuant to the requirements of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                                CITIBANK (SOUTH DAKOTA), N.A.,
                                   as Servicer
                                Citibank Credit Card Master Trust I

                          By: /s/ Eugene D. Rowenhorst
                             ----------------------------------------------
                              Eugene D. Rowenhorst
                              Senior Vice President

Date: December 15, 1997

                                       84