SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

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

                                    FORM 8-K


                                 CURRENT REPORT

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



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


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

      8 1/2% Class A Credit Card Participation Certificates, Series 1991-1
        9% Class B Credit Card Participation Certificates, Series 1991-1
      8 7/8% Class A Credit Card Participation Certificates, Series 1991-3
      9 1/4% Class B Credit Card Participation Certificates, Series 1991-3
        8% Class A Credit Card Participation Certificates, Series 1991-4
       8 1/4% Class B Credit Card Participation Certificates, Series1991-4
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
      6 1/4% Class B Credit Card Participation Certificates, Series 1992-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1992-3
   Floating Rate Class B Credit Card Participation Certificates, Series 1992-3
      5 1/2% Class B Credit Card Participation Certificates, Series 1993-1
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
      6.15% Class B Credit Card Participation Certificates, Series 1993-2
       5.50% Class A Credit Card Participation Certificates, Series 1993-3
       5.70% Class B Credit Card Participation Certificates, Series 1993-3
      4.65% Class A Credit Card Participation Certificates, Series 1994-1
       4.85% Class B Credit Card Participation Certificates, Series 1994-1
      7.25% Class A Credit Card Participation Certificates, Series 1994-2 
                                                       (cover page 1 of 2 pages)
                                       1
<PAGE>

       7.50% Class B Credit Card Participation Certificates, Series 1994-2
      6.80% Class A Credit Card Participation Certificates, Series 1994-3
       7.00% Class B Credit Card Participation Certificates, Series 1994-3
      8.25% Class A Credit Card Participation Certificates, Series 1994-4
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
      8.45% Class B Credit Card Participation Certificates, Series 1995-1
      8 5/8% Class A Credit Card Participation Certificates, Series 1995-2
       7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-4
       7.65% Class B Credit Card Participation Certificates, Series 1995-4
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-5
      6.75% Class A Credit Card Participation Certificates, Series 1995-6
       6.90% Class B Credit Card Participation Certificates, Series 1995-6
      6.70% Class A Credit Card Participation Certificates, Series 1995-8
       6.85% Class B Credit Card Participation Certificates, Series 1995-8
      6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
      5.90% Class A Credit Card Participation Certificates, Series 1995-10
      6.05% Class B Credit Card Participation Certificates, Series 1995-10
  Floating Rate Class A Credit Card Participation  Certificates,  Series 1995-11
   Zero Coupon Class A Credit Card  Participation  Certificates,  Series  1996-1
   Zero Coupon Class B Credit Card Participation Certificates, Series 1996-1
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)



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


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


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


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


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


                                                       (cover page 2 of 2 pages)


                                       2
<PAGE>



ITEM 5.  OTHER EVENTS.

     Set forth below is the monthly report and servicer's  certificate  for each
Series  referenced on the cover page of this Form 8-K (each, a "Monthly Report")
for the Due Period ending  February 26, 1996 and the related  Distribution  Date
delivered  pursuant to Section 5.02 of the applicable  Series  Supplement to the
Pooling and Servicing Agreement (together, the "Agreement") relating to Citibank
Credit Card Master Trust I, among Citibank (South  Dakota),  N.A., as Seller and
Servicer,  Citibank (Nevada),  National Association,  as Seller, and Yasuda Bank
and Trust Company (U.S.A.), as Trustee. Each Monthly Report contains information
relating  to the  distribution,  if any,  to  Certificateholders  of the related
Series on the referenced  Distribution  Date as well as information  relating to
the  Receivables  and the  Accounts  from  which the  Receivables  have  arisen.
Capitalized terms used but not defined herein have the meanings set forth in the
Agreement.

                                       3
<PAGE>
                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

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

                       CITIBANK CREDIT CARD Master Trust I
                   For the Due Period Ending February 26, 1996

================================================================================
This Certificate relates to the Due Period ending February 26, 1996 and the 
related distribution date.

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

   1. Portfolio Yield .........................................           12.87%

         Yield Component ......................................           17.20%

         Credit Loss Component ................................            4.33%

   2. New Purchase Rate .......................................           17.31%

   3. Total Payment Rate ......................................           19.63%

   4. Principal Payment Rate ..................................           18.58%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$  32,066,705,540

         Average ..............................................$  31,589,476,977

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

         End of Due Period ....................................$  31,273,725,281

   6. Delinquencies  (Aggregate  outstanding  balances in the Accounts that were
      delinquent by the time periods listed below as of the close of business of
      the month  preceding the  Distribution  Date, as a percentage of aggregate
      Receivables as of the last day of the Due Period):

         Current ..............................................$  28,214,428,595
            5-34 days delinquent ..............................$   1,944,497,080
           35-64 days delinquent ..............................$     616,605,519
           65-94 days delinquent ..............................$     347,452,345
          95-124 days delinquent ..............................$     239,675,815
         125-154 days delinquent ..............................$     187,252,428
         155-184 days delinquent ..............................$     146,092,107

         Current ...............................................          89.01%
            5-34 days delinquent ...............................           6.13%
           35-64 days delinquent ...............................           1.95%
           65-94 days delinquent ...............................           1.10%
          95-124 days delinquent ...............................           0.76%
         125-154 days delinquent ...............................           0.59%
         155-184 days delinquent ...............................           0.46%


                                       4
<PAGE>

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

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

                  CITIBANK CREDIT CARD Master Trust I - GROUP 1
                  For the Due Period Ending February 26, 1996

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

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

   1. Portfolio Yield                               12.87%                12.86%
   2. Weighted Average Certificate Rate              6.75%                 6.69%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.82%                 0.82%
          Others                                     0.06%                 0.06%
   4. Surplus Finance Charge Collections             5.24%                 5.29%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        5.24%                 5.29%
      minus Required Surplus Finance Charge Amount

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

   1. Total Investor Collections                  $4,740,148,461  $4,740,082,152
          Principal Collections                   $4,414,137,819  $4,414,137,819
          Finance Charge Collections              $  326,010,642  $  325,944,333
   2. Investor Default Amount                     $   82,079,685  $   82,079,685
   3. Investor Monthly Interest                   $  125,810,116  $  124,783,974
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $   15,188,493  $   15,204,849
          Others                                  $    1,102,623  $    1,095,175
   5. Surplus Finance Charge Collections          $  101,829,726  $  102,780,650
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $  101,829,726  $  102,780,650
      minus Required Surplus Finance Charge Amount

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

       All  percents are based on actual cash revenue or expense for the period,
       converted to an annualized  percent using daycounts  appropriate for
       the item, either 30/360,  actual/360, or actual/actual.  Depending on the
       item,  cash  expenses  may accrue from  January 27, 1996 to February  26,
       1996,  31 days, or February 7 , 1996 to March 6 , 1996, 29 days
       (standard basis).


                                       5
<PAGE>


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

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

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

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

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

D. Information Regarding Series 1991-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    375,000,000

 1b. Class B Invested Amount         .......................... $    186,000,000

 2a. Class A Monthly Interest        .......................... $      3,541,667

 2b. Class B Monthly Interest        .......................... $      1,395,000

 3a. Balance in the Class A Interest Funding Account .......... $     31,875,000

 3b. Balance in the Class B Interest Funding Account .......... $      4,185,000

 4a. Available Cash Collateral Amount ......................... $    118,020,000

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

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

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

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

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

 8a. Class A Monthly Principal for the Distribution Date(2).... $    125,000,000

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

 9a. Balance in the Class A Principal Funding Account(2)....... $  1,125,000,000

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

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

                                       6
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $  1,125,000,000

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


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


                                       7
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       8
<PAGE>


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

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

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

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

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

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

 1a. Class A Invested Amount         .......................... $    875,000,000

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

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

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

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

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

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

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

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

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

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

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

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

                                       9
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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


                                       10
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director



                                       11
<PAGE>

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

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

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

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

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

D. Information Regarding Series 1991-4
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    520,833,333

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

 2a. Class A Monthly Interest        .......................... $      4,166,667

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

 3a. Balance in the Class A Interest Funding Account .......... $      8,333,333

 3b. Balance in the Class B Interest Funding Account .......... $      1,065,625

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

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

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

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

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

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

 8a. Class A Monthly Principal for the Distribution Date(2).... $    104,166,667

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

 9a. Balance in the Class A Principal Funding Account(2)....... $    729,166,667

 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 1991-4
                   For the Due Period Ending February 26, 1996

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

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

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

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

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

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

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

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

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $    729,166,667

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


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


                                       13
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       14
<PAGE>


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 8a. Class A Monthly Principal for the Distribution Date(2).... $              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 1991-6
                   For the Due Period Ending February 26, 1996

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

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

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

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

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

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

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

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

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

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


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


                                       16
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       17
<PAGE>


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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1992-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1992-1
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      7,422,917

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

 3a. Balance in the Class A Interest Funding Account .......... $      7,422,917

 3b. Balance in the Class B Interest Funding Account .......... $        702,083

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

 4b. Percent of Class B Invested Amount         ...............           78.12%

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

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

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

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

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

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

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

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

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

                                       18
<PAGE>

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

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

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

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $      7,422,917

 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 ....... $      7,422,917

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

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

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


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


                                       19
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       20
<PAGE>


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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1992-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1992-3
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      6,154,948

 2b. Class B Monthly Interest        .......................... $        414,861

 3a. Balance in the Class A Interest Funding Account .......... $     19,313,802

 3b. Balance in the Class B Interest Funding Account .......... $      1,301,806

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

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

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

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

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

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

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

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

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

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

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

                                       21
<PAGE>

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

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

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

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     19,313,802

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,301,806

 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 ....... $     19,313,802

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,301,806

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

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


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

                                       22
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       23
<PAGE>


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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1993-1
   ------------------------------------------

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

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

 2a. Class A Monthly Interest        .......................... $      4,070,632

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

 3a. Balance in the Class A Interest Funding Account .......... $      4,070,632

 3b. Balance in the Class B Interest Funding Account .......... $        339,167

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

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

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

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

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

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

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

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

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

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

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

                                       24
<PAGE>

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

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

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

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $      4,070,632

 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 ....... $      4,070,632

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

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

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


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

                                       25
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       26
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       27
<PAGE>

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

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

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

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     22,312,500

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

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

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

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $     22,312,500

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

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

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


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


                                       28
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director



                                       29
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 8a. Class A Monthly Principal for the Distribution Date(2).... $              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 1993-3
                   For the Due Period Ending February 26, 1996

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

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

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

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

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

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

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

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

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

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


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

                                       31
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       32
<PAGE>


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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1994-1
   ------------------------------------------

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

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

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

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

 3a. Balance in the Class A Interest Funding Account .......... $      2,906,250

 3b. Balance in the Class B Interest Funding Account .......... $        194,000

 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.

                                       33
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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


                                       34
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       35
<PAGE>


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

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

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

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

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

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

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

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

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

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

 3a. Balance in the Class A Interest Funding Account .......... $     28,395,833

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

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

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

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

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

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

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

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

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

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

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

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

                                       36
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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

                                       37
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director



                                       38
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       39
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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


                                       40
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       41
<PAGE>


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

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

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

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

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

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

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

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

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

 2b. Class B Monthly Interest        .......................... $        221,367

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

 3b. Balance in the Class B Interest Funding Account .......... $        221,367

 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.

                                       42
<PAGE>

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

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

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

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

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

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

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        221,367

 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 ....... $        221,367

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

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


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


                                       43
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director



                                       44
<PAGE>

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

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

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

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

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

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

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

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

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

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

 3a. Balance in the Class A Interest Funding Account .......... $      8,593,750

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

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

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

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

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

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

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

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

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

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

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

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

                                       45
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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

                                       46
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       47
<PAGE>


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

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

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

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

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-2
   ------------------------------------------

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

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

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

 2b. Class B Monthly Interest        .......................... $        146,289

 3a. Balance in the Class A Interest Funding Account .......... $      7,187,500

 3b. Balance in the Class B Interest Funding Account .......... $        146,289

 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.

                                       48
<PAGE>

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

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

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

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

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

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

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        146,289

 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 ....... $        146,289

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

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


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


                                       49
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       50
<PAGE>



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

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

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

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

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

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

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

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

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

 2b. Class B Monthly Interest        .......................... $        181,572

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

 3b. Balance in the Class B Interest Funding Account .......... $        181,572

 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 1995-3
                   For the Due Period Ending February 26, 1996

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

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

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

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        181,572

 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 ....... $        181,572

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

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


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


                                       52
<PAGE>

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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       53
<PAGE>


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

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

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

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

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

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

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

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

 2a. Class A Monthly Interest        .......................... $      4,309,722

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

 3a. Balance in the Class A Interest Funding Account .......... $      4,309,722

 3b. Balance in the Class B Interest Funding Account .......... $        408,000

 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.

                                       54
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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

                                       55
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       56
<PAGE>


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

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

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

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

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

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

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

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

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

 2b. Class B Monthly Interest        .......................... $        290,000

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

 3b. Balance in the Class B Interest Funding Account .......... $        290,000

 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.

                                       57
<PAGE>

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

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

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

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

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

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

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        290,000

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

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

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

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        290,000

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

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


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


                                       58
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       59
<PAGE>


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       60
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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


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

                                       61
<PAGE>


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

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

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

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

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

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

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

         3.   The undersigned is a Servicing Officer.

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

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

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

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

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


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


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       62
<PAGE>


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       63
<PAGE>

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

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

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

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

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

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     13,400,000

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

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

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

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $     13,400,000

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

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

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


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


                                       64
<PAGE>


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

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

               Citibank Credit Card Master Trust I, Series 1995-8
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-8  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director



                                       65
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-9  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-9
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    500,000,000

 1b. Class B Invested Amount         .......................... $     32,000,000

 2a. Class A Monthly Interest        .......................... $      2,729,167

 2b. Class B Monthly Interest        .......................... $        177,333

 3a. Balance in the Class A Interest Funding Account .......... $     13,100,000

 3b. Balance in the Class B Interest Funding Account .......... $        851,200

 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.

                                       66
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0


     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.


                                       67
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-9  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       68
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-10  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-10
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      3,687,500

 2b. Class B Monthly Interest        .......................... $        242,000

 3a. Balance in the Class A Interest Funding Account .......... $      3,687,500

 3b. Balance in the Class B Interest Funding Account .......... $        242,000

 4a. Available Cash Collateral Amount ......................... $     55,860,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       69
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0


     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       70
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-10  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director



                                       71
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-11  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-11
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    625,000,000

 1b. Class B Invested Amount         .......................... $     40,000,000

 2a. Class A Monthly Interest        .......................... $      3,040,104

 2b. Class B Monthly Interest        .......................... $        197,600

 3a. Balance in the Class A Interest Funding Account .......... $      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.

                                       72
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        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 to be included only
         on Payment Date.

                                       73
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-11  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 15, 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       74
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1996-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1996-1
   ------------------------------------------

 1a. Class A Accreted Invested Amount.......................... $    748,172,375

 1b. Class B Accreted Invested Amount.......................... $     47,532,592

 2a. Class A Monthly Accretion       .......................... $      4,576,064

 2b. Class B Monthly Accretion       .......................... $        298,108

 3a. Balance in the Class A Interest Funding Account .......... $      4,576,064

 3b. Balance in the Class B Interest Funding Account .......... $        298,108

 4a. Available Cash Collateral Amount ......................... $     55,839,149

 4b. Percent of Class B Accreted Invested Amount...............          117.48%

 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 1996-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0


     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.


                                       76
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1996-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.


                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,


                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director


                                       77
<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: July 16, 1996


                                       78
<PAGE>
[{"type": "8-K", "sequence": "1", "description": "CITIBANK CREDIT CARD MASTER TRUST I", "secsgml_size_bytes": 192759}]
{"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": "96651849"}, "business-address": {"street1": "701 E 60TH ST N", "city": "SIOUX FALLS", "state": "SD", "zip": "57117", "phone": "6053312626"}, "mail-address": {"street1": "CITIBANK N A LEGAL AFFAIRS OFFICE", "street2": "425 PARK AVENUE 2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043"}}
SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported): March 7, 1996
                      ------------------------------------

                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                       CITIBANK CREDIT CARD Master Trust I
          (Issuer in respect of the Citibank Credit Card Master Trust I

      8 1/2% Class A Credit Card Participation Certificates, Series 1991-1
        9% Class B Credit Card Participation Certificates, Series 1991-1
      8 7/8% Class A Credit Card Participation Certificates, Series 1991-3
      9 1/4% Class B Credit Card Participation Certificates, Series 1991-3
        8% Class A Credit Card Participation Certificates, Series 1991-4
       8 1/4% Class B Credit Card Participation Certificates, Series1991-4
      7.875% Class A Credit Card Participation Certificates, Series 1991-6
      8.350% Class B Credit Card Participation Certificates, Series 1991-6
      6 1/4% Class B Credit Card Participation Certificates, Series 1992-1
   Floating Rate Class A Credit Card Participation Certificates, Series 1992-3
   Floating Rate Class B Credit Card Participation Certificates, Series 1992-3
      5 1/2% Class B Credit Card Participation Certificates, Series 1993-1
       5.95% Class A Credit Card Participation Certificates, Series 1993-2
      6.15% Class B Credit Card Participation Certificates, Series 1993-2
       5.50% Class A Credit Card Participation Certificates, Series 1993-3
       5.70% Class B Credit Card Participation Certificates, Series 1993-3
      4.65% Class A Credit Card Participation Certificates, Series 1994-1
       4.85% Class B Credit Card Participation Certificates, Series 1994-1
      7.25% Class A Credit Card Participation Certificates, Series 1994-2 
                                                       (cover page 1 of 2 pages)
                                       1
7.50% Class B Credit Card Participation Certificates, Series 1994-2
      6.80% Class A Credit Card Participation Certificates, Series 1994-3
       7.00% Class B Credit Card Participation Certificates, Series 1994-3
      8.25% Class A Credit Card Participation Certificates, Series 1994-4
       8.25% Class A Credit Card Participation Certificates, Series 1995-1
      8.45% Class B Credit Card Participation Certificates, Series 1995-1
      8 5/8% Class A Credit Card Participation Certificates, Series 1995-2
       7.85% Class A Credit Card Participation Certificates, Series 1995-3
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-4
       7.65% Class B Credit Card Participation Certificates, Series 1995-4
   Floating Rate Class A Credit Card Participation Certificates, Series 1995-5
      6.75% Class A Credit Card Participation Certificates, Series 1995-6
       6.90% Class B Credit Card Participation Certificates, Series 1995-6
      6.70% Class A Credit Card Participation Certificates, Series 1995-8
       6.85% Class B Credit Card Participation Certificates, Series 1995-8
      6.55% Class A Credit Card Participation Certificates, Series 1995-9
       6.65% Class B Credit Card Participation Certificates, Series 1995-9
      5.90% Class A Credit Card Participation Certificates, Series 1995-10
      6.05% Class B Credit Card Participation Certificates, Series 1995-10
  Floating Rate Class A Credit Card Participation  Certificates,  Series 1995-11
   Zero Coupon Class A Credit Card  Participation  Certificates,  Series  1996-1
   Zero Coupon Class B Credit Card Participation Certificates, Series 1996-1
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)

         UNITED STATES OF AMERICA                   46-0358360
      (State or other jurisdiction of   (I.R.S. Employer Identification No.)
             incorporation)

      33-38312,  33-41054,  33-41055,  33-42235,  33-43575,  33-43576, 33-47657,
     33-48148, 33-52152, 33-62180, 33-77802, 33-84834, 33-97664 AND 33-99328
                              (Commission File No.)

      701 EAST 60TH STREET, NORTH
       SIOUX FALLS, SOUTH DAKOTA                                 57117
(Address of principal executive offices)                       (Zip Code)

        Registrant's telephone number, including area code (605) 331-2626

                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

                                                       (cover page 2 of 2 pages)

                                       2
ITEM 5.  OTHER EVENTS.

     Set forth below is the monthly report and servicer's  certificate  for each
Series  referenced on the cover page of this Form 8-K (each, a "Monthly Report")
for the Due Period ending  February 26, 1996 and the related  Distribution  Date
delivered  pursuant to Section 5.02 of the applicable  Series  Supplement to the
Pooling and Servicing Agreement (together, the "Agreement") relating to Citibank
Credit Card Master Trust I, among Citibank (South  Dakota),  N.A., as Seller and
Servicer,  Citibank (Nevada),  National Association,  as Seller, and Yasuda Bank
and Trust Company (U.S.A.), as Trustee. Each Monthly Report contains information
relating  to the  distribution,  if any,  to  Certificateholders  of the related
Series on the referenced  Distribution  Date as well as information  relating to
the  Receivables  and the  Accounts  from  which the  Receivables  have  arisen.
Capitalized terms used but not defined herein have the meanings set forth in the
Agreement.

                                       3
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                       CITIBANK CREDIT CARD Master Trust I
                   For the Due Period Ending February 26, 1996

================================================================================
This Certificate relates to the Due Period ending February 26, 1996 and the 
related distribution date.

A. Information Regarding the Portfolio
   -----------------------------------

   1. Portfolio Yield .........................................           12.87%

         Yield Component ......................................           17.20%

         Credit Loss Component ................................            4.33%

   2. New Purchase Rate .......................................           17.31%

   3. Total Payment Rate ......................................           19.63%

   4. Principal Payment Rate ..................................           18.58%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$  32,066,705,540

         Average ..............................................$  31,589,476,977

         Lump Sum Addition ....................................$               0

         End of Due Period ....................................$  31,273,725,281

   6. Delinquencies  (Aggregate  outstanding  balances in the Accounts that were
      delinquent by the time periods listed below as of the close of business of
      the month  preceding the  Distribution  Date, as a percentage of aggregate
      Receivables as of the last day of the Due Period):

         Current ..............................................$  28,214,428,595
            5-34 days delinquent ..............................$   1,944,497,080
           35-64 days delinquent ..............................$     616,605,519
           65-94 days delinquent ..............................$     347,452,345
          95-124 days delinquent ..............................$     239,675,815
         125-154 days delinquent ..............................$     187,252,428
         155-184 days delinquent ..............................$     146,092,107

         Current ...............................................          89.01%
            5-34 days delinquent ...............................           6.13%
           35-64 days delinquent ...............................           1.95%
           65-94 days delinquent ...............................           1.10%
          95-124 days delinquent ...............................           0.76%
         125-154 days delinquent ...............................           0.59%
         155-184 days delinquent ...............................           0.46%

                                       4
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

                  CITIBANK CREDIT CARD Master Trust I - GROUP 1
                  For the Due Period Ending February 26, 1996

================================================================================

                                             Current Due          Current Due
                                            Period on an          Period on a
                                            Actual Basis(1)    Standard Basis(1)
B. Information Regarding Group 1
   -----------------------------
   (Percentage Basis)

   1. Portfolio Yield                               12.87%                12.86%
   2. Weighted Average Certificate Rate              6.75%                 6.69%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.82%                 0.82%
          Others                                     0.06%                 0.06%
   4. Surplus Finance Charge Collections             5.24%                 5.29%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        5.24%                 5.29%
      minus Required Surplus Finance Charge Amount

C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1. Total Investor Collections                  $4,740,148,461  $4,740,082,152
          Principal Collections                   $4,414,137,819  $4,414,137,819
          Finance Charge Collections              $  326,010,642  $  325,944,333
   2. Investor Default Amount                     $   82,079,685  $   82,079,685
   3. Investor Monthly Interest                   $  125,810,116  $  124,783,974
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $   15,188,493  $   15,204,849
          Others                                  $    1,102,623  $    1,095,175
   5. Surplus Finance Charge Collections          $  101,829,726  $  102,780,650
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $  101,829,726  $  102,780,650
      minus Required Surplus Finance Charge Amount

  (1)  Values for "Current Due Period on an Actual Basis"  reflect,  in the case
       of a first due period close of a series, activity from the series cut-off
       or close  dates  until the first due  period  end,  or, as in the case of
       Investor Monthly Interest and certain fees, until the first  distribution
       date.  Values  for  "Current  Due  Period on a  Standard  Basis"  reflect
       activity for the entire current period, as if all series had already been
       outstanding prior to the first day of such period.

       All  percents are based on actual cash revenue or expense for the period,
       converted to an annualized  percent using daycounts  appropriate for
       the item, either 30/360,  actual/360, or actual/actual.  Depending on the
       item,  cash  expenses  may accrue from  January 27, 1996 to February  26,
       1996,  31 days, or February 7 , 1996 to March 6 , 1996, 29 days
       (standard basis).

                                       5
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1991-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    375,000,000

 1b. Class B Invested Amount         .......................... $    186,000,000

 2a. Class A Monthly Interest        .......................... $      3,541,667

 2b. Class B Monthly Interest        .......................... $      1,395,000

 3a. Balance in the Class A Interest Funding Account .......... $     31,875,000

 3b. Balance in the Class B Interest Funding Account .......... $      4,185,000

 4a. Available Cash Collateral Amount ......................... $    118,020,000

 4b. Percent of Class B Invested Amount         ...............           63.45%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $    125,000,000

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $  1,125,000,000

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       6
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $  1,125,000,000

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       7
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       8
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1991-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    875,000,000

 1b. Class B Invested Amount         .......................... $    109,000,000

 2a. Class A Monthly Interest        .......................... $      6,471,354

 2b. Class B Monthly Interest        .......................... $        840,208

 3a. Balance in the Class A Interest Funding Account .......... $     12,942,708

 3b. Balance in the Class B Interest Funding Account .......... $      1,680,417

 4a. Available Cash Collateral Amount ......................... $     68,880,000

 4b. Percent of Class B Invested Amount         ...............           63.19%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              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.

                                       9
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       10
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       11
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-4
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-4  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1991-4
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    520,833,333

 1b. Class B Invested Amount         .......................... $    155,000,000

 2a. Class A Monthly Interest        .......................... $      4,166,667

 2b. Class B Monthly Interest        .......................... $      1,065,625

 3a. Balance in the Class A Interest Funding Account .......... $      8,333,333

 3b. Balance in the Class B Interest Funding Account .......... $      1,065,625

 4a. Available Cash Collateral Amount ......................... $     98,350,000

 4b. Percent of Class B Invested Amount         ...............           63.45%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $    104,166,667

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $    729,166,667

 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 1991-4
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $    729,166,667

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       13
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-4
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-4  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       14
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-6
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-6  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1991-6
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    850,000,000

 1b. Class B Invested Amount         .......................... $    105,500,000

 2a. Class A Monthly Interest        .......................... $      5,578,125

 2b. Class B Monthly Interest        .......................... $        734,104

 3a. Balance in the Class A Interest Funding Account .......... $     22,312,500

 3b. Balance in the Class B Interest Funding Account .......... $      2,936,417

 4a. Available Cash Collateral Amount ......................... $     66,885,000

 4b. Percent of Class B Invested Amount         ...............           63.40%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              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 1991-6
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       16
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1991-6
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1991-6  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       17
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1992-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1992-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1992-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,550,000,000

 1b. Class B Invested Amount         .......................... $    134,800,000

 2a. Class A Monthly Interest        .......................... $      7,422,917

 2b. Class B Monthly Interest        .......................... $        702,083

 3a. Balance in the Class A Interest Funding Account .......... $      7,422,917

 3b. Balance in the Class B Interest Funding Account .......... $        702,083

 4a. Available Cash Collateral Amount ......................... $    105,300,000

 4b. Percent of Class B Invested Amount         ...............           78.12%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       18
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1992-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $      7,422,917

 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 ....... $      7,422,917

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       19
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1992-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1992-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       20
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1992-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1992-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1992-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,250,000,000

 1b. Class B Invested Amount         .......................... $     80,000,000

 2a. Class A Monthly Interest        .......................... $      6,154,948

 2b. Class B Monthly Interest        .......................... $        414,861

 3a. Balance in the Class A Interest Funding Account .......... $     19,313,802

 3b. Balance in the Class B Interest Funding Account .......... $      1,301,806

 4a. Available Cash Collateral Amount ......................... $     93,100,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       21
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1992-3
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     19,313,802

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,301,806

 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 ....... $     19,313,802

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,301,806

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       22
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1992-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1992-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 15, 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       23
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1993-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    850,000,000

 1b. Class B Invested Amount         .......................... $     74,000,000

 2a. Class A Monthly Interest        .......................... $      4,070,632

 2b. Class B Monthly Interest        .......................... $        339,167

 3a. Balance in the Class A Interest Funding Account .......... $      4,070,632

 3b. Balance in the Class B Interest Funding Account .......... $        339,167

 4a. Available Cash Collateral Amount ......................... $     55,440,000

 4b. Percent of Class B Invested Amount         ...............           74.92%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       24
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $      4,070,632

 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 ....... $      4,070,632

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       25
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       26
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-2
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1993-2
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      3,718,750

 2b. Class B Monthly Interest        .......................... $        246,000

 3a. Balance in the Class A Interest Funding Account .......... $     22,312,500

 3b. Balance in the Class B Interest Funding Account .......... $      1,476,000

 4a. Available Cash Collateral Amount ......................... $     55,860,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       27
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-2
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     22,312,500

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      1,476,000

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $     22,312,500

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      1,476,000

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       28
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-2
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       29
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1993-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      3,437,500

 2b. Class B Monthly Interest        .......................... $        228,000

 3a. Balance in the Class A Interest Funding Account .......... $      6,875,000

 3b. Balance in the Class B Interest Funding Account .......... $        456,000

 4a. Available Cash Collateral Amount ......................... $     55,860,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              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 1993-3
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       31
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1993-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1993-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       32
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1994-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      2,906,250

 2b. Class B Monthly Interest        .......................... $        194,000

 3a. Balance in the Class A Interest Funding Account .......... $      2,906,250

 3b. Balance in the Class B Interest Funding Account .......... $        194,000

 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.

                                       33
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       34
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       35
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-2
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1994-2
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    940,000,000

 1b. Class B Invested Amount         .......................... $     60,000,000

 2a. Class A Monthly Interest        .......................... $      5,679,167

 2b. Class B Monthly Interest        .......................... $        375,000

 3a. Balance in the Class A Interest Funding Account .......... $     28,395,833

 3b. Balance in the Class B Interest Funding Account .......... $      1,875,000

 4a. Available Cash Collateral Amount ......................... $     70,000,000

 4b. Percent of Class B Invested Amount         ...............          116.67%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       36
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-2
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       37
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-2
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       38
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1994-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    500,000,000

 1b. Class B Invested Amount         .......................... $     32,000,000

 2a. Class A Monthly Interest        .......................... $      2,833,333

 2b. Class B Monthly Interest        .......................... $        186,667

 3a. Balance in the Class A Interest Funding Account .......... $     14,166,667

 3b. Balance in the Class B Interest Funding Account .......... $        933,333

 4a. Available Cash Collateral Amount ......................... $     37,240,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       39
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-3
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       40
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       41
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-4
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-4  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1994-4
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      5,156,250

 2b. Class B Monthly Interest        .......................... $        221,367

 3a. Balance in the Class A Interest Funding Account .......... $     20,625,000

 3b. Balance in the Class B Interest Funding Account .......... $        221,367

 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.

                                       42
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-4
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        221,367

 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 ....... $        221,367

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       43
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1994-4
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1994-4  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       44
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-1
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    625,000,000

 1b. Class B Invested Amount         .......................... $     40,000,000

 2a. Class A Monthly Interest        .......................... $      4,296,875

 2b. Class B Monthly Interest        .......................... $        281,667

 3a. Balance in the Class A Interest Funding Account .......... $      8,593,750

 3b. Balance in the Class B Interest Funding Account .......... $        563,333

 4a. Available Cash Collateral Amount ......................... $     46,550,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       45
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       46
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       47
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-2
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-2
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    500,000,000

 1b. Class B Invested Amount         .......................... $     32,000,000

 2a. Class A Monthly Interest        .......................... $      3,593,750

 2b. Class B Monthly Interest        .......................... $        146,289

 3a. Balance in the Class A Interest Funding Account .......... $      7,187,500

 3b. Balance in the Class B Interest Funding Account .......... $        146,289

 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.

                                       48
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-2
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        146,289

 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 ....... $        146,289

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       49
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-2
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-2  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       50
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-3
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    625,000,000

 1b. Class B Invested Amount         .......................... $     40,000,000

 2a. Class A Monthly Interest        .......................... $      4,088,542

 2b. Class B Monthly Interest        .......................... $        181,572

 3a. Balance in the Class A Interest Funding Account .......... $      4,088,542

 3b. Balance in the Class B Interest Funding Account .......... $        181,572

 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 1995-3
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        181,572

 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 ....... $        181,572

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       52
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-3
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-3  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       53
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-4
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-4  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-4
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,000,000,000

 1b. Class B Invested Amount         .......................... $     64,000,000

 2a. Class A Monthly Interest        .......................... $      4,309,722

 2b. Class B Monthly Interest        .......................... $        408,000

 3a. Balance in the Class A Interest Funding Account .......... $      4,309,722

 3b. Balance in the Class B Interest Funding Account .......... $        408,000

 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.

                                       54
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-4
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       55
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-4
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-4  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 15, 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       56
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-5
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-5  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-5
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $  1,000,000,000

 1b. Class B Invested Amount         .......................... $     64,000,000

 2a. Class A Monthly Interest        .......................... $      5,687,500

 2b. Class B Monthly Interest        .......................... $        290,000

 3a. Balance in the Class A Interest Funding Account .......... $      5,687,500

 3b. Balance in the Class B Interest Funding Account .......... $        290,000

 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.

                                       57
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-5
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        290,000

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        290,000

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       58
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-5
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-5  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       59
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-6
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-6  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-6
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      4,218,750

 2b. Class B Monthly Interest        .......................... $        276,000

 3a. Balance in the Class A Interest Funding Account .......... $     12,656,250

 3b. Balance in the Class B Interest Funding Account .......... $        828,000

 4a. Available Cash Collateral Amount ......................... $     55,860,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       60
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-6
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       61
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-6
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-6  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       62
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-8
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-8  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-8
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    400,000,000

 1b. Class B Invested Amount         .......................... $     25,540,000

 2a. Class A Monthly Interest        .......................... $      2,233,333

 2b. Class B Monthly Interest        .......................... $        145,791

 3a. Balance in the Class A Interest Funding Account .......... $     13,400,000

 3b. Balance in the Class B Interest Funding Account .......... $        874,745

 4a. Available Cash Collateral Amount ......................... $     29,787,800

 4b. Percent of Class B Invested Amount         ...............          116.63%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       63
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-8
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $     13,400,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        874,745

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $     13,400,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $        874,745

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       64
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-8
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-8  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       65
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-9  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-9
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    500,000,000

 1b. Class B Invested Amount         .......................... $     32,000,000

 2a. Class A Monthly Interest        .......................... $      2,729,167

 2b. Class B Monthly Interest        .......................... $        177,333

 3a. Balance in the Class A Interest Funding Account .......... $     13,100,000

 3b. Balance in the Class B Interest Funding Account .......... $        851,200

 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.

                                       66
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       67
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-9
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1995-9  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       68
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-10  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-10
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    750,000,000

 1b. Class B Invested Amount         .......................... $     48,000,000

 2a. Class A Monthly Interest        .......................... $      3,687,500

 2b. Class B Monthly Interest        .......................... $        242,000

 3a. Balance in the Class A Interest Funding Account .......... $      3,687,500

 3b. Balance in the Class B Interest Funding Account .......... $        242,000

 4a. Available Cash Collateral Amount ......................... $     55,860,000

 4b. Percent of Class B Invested Amount         ...............          116.38%

 5a. Class A Investor Charge-offs ............................. $              0

 5b. Class B Investor Charge-offs ............................. $              0

 6.  Required Amount .......................................... $              0

 7.  Draw on Cash Collateral Account .......................... $              0

 8a. Class A Monthly Principal for the Distribution Date(2).... $              0

 8b. Class B Monthly Principal for the Distribution Date(2).... $              0

 9a. Balance in the Class A Principal Funding Account(2)....... $              0

 9b. Balance in the Class B Principal Funding Account(2)....... $              0

     ----------------------------------------------------------
     (2) Applicable during the Accumulation Period and any Early Amortization
         Period.

                                       69
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       70
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-10
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-10  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       71
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-11  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1995-11
   ------------------------------------------

 1a. Class A Invested Amount         .......................... $    625,000,000

 1b. Class B Invested Amount         .......................... $     40,000,000

 2a. Class A Monthly Interest        .......................... $      3,040,104

 2b. Class B Monthly Interest        .......................... $        197,600

 3a. Balance in the Class A Interest Funding Account .......... $      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.

                                       72
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $        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 to be included only
         on Payment Date.

                                       73
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1995-11
                  For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as supplemented  by the Series 1995-11  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 15, 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       74
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1996-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company (U.S.A),  as Trustee,  does hereby certify the
information set forth below.  Capitalized  terms used in this  Certificate  have
their respective meanings as set forth in the Agreement or Series Supplement, as
applicable.

D. Information Regarding Series 1996-1
   ------------------------------------------

 1a. Class A Accreted Invested Amount.......................... $    748,172,375

 1b. Class B Accreted Invested Amount.......................... $     47,532,592

 2a. Class A Monthly Accretion       .......................... $      4,576,064

 2b. Class B Monthly Accretion       .......................... $        298,108

 3a. Balance in the Class A Interest Funding Account .......... $      4,576,064

 3b. Balance in the Class B Interest Funding Account .......... $        298,108

 4a. Available Cash Collateral Amount ......................... $     55,839,149

 4b. Percent of Class B Accreted Invested Amount...............          117.48%

 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 1996-1
                   For the Due Period Ending February 26, 1996

================================================================================

E. Information Regarding Charge-offs and Distributions to Certificateholders(3)
   -------------------------------------------------------------------------

 1a. The total amount of the distribution to Class A
     Certificateholders on the Payment Date ................... $              0

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $              0

 2a. The amount of the distribution set forth in item 1(a) above
     in respect of principal on the Class A Certificates ...... $              0

 2b. The amount of the distribution set forth in item 1(b) above
     in respect of principal on the Class B Certificates ...... $              0

 3a. The amount of the distribution set forth in item 1(a) above
     in respect of interest on the Class A Certificates ....... $              0

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $              0

 4a. The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

 4b. The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Invested Amount as of the end of the Record Date with
     respect to the Payment Date .............................. $              0

     ----------------------------------------------------------
     (3) The following information, as applicable, is to be included only
         on Payment Date.

                                       76
CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

================================================================================

               Citibank Credit Card Master Trust I, Series 1996-1
                   For the Due Period Ending February 26, 1996

================================================================================

     The  undersigned,  a duly  authorized  representative  of  Citibank  (South
Dakota), N.A., as Servicer ("Citibank (South Dakota)"),  pursuant to the Pooling
and Servicing  Agreement dated as of May 29, 1991, (as amended and supplemented,
the  "Agreement"),  as  supplemented  by the Series 1996-1  Supplement (as
amended  and  supplemented,  the "Series  Supplement"),  among  Citibank  (South
Dakota), Seller and Servicer, Citibank (Nevada),  National Association,  Seller,
and Yasuda Bank and Trust Company  (U.S.A),  as Trustee,  does hereby certify as
follows:

         1.   Capitalized  terms used in this  Certificate have their respective
              meanings as set forth in the  Agreement or Series  Supplement,  as
              applicable.

         2.   Citibank (South Dakota) is, as of the date hereof, the
              Servicer under the Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date
              occurring on March 7 , 1996.

         5.   As of the date hereof,  to the best knowledge of the  undersigned,
              the  Servicer  has  performed  in all  material  respects  all its
              obligations  under the Agreement through the Due Period preceeding
              such Distribution Date.

         6.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Amortization Event has been deemed to have occurred on or prior
              to such Distribution Date.

         7.   As of the date hereof,  to the best knowledge of the  undersigned,
              no Lien has  been  placed  on any of the  Receivables  other  than
              pursuant to the Agreement.

              IN  WITNESS  WHEREOF,   the  undersigned  has  duly  executed  and
              delivered this Certificate this 21st day of March 1996.

                    CITIBANK (SOUTH DAKOTA), N.A.
                    Servicer,

                    By:/s/ Robert Wadalavage
                         Name: Robert Wadalavage
                         Title: Director

                                       77
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: July 16, 1996

                                       78