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): February 15, 1996
                      ------------------------------------


                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                        CHOICE CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Choice Credit Card Master Trust I
   Floating Rate Class A Credit Card Participation Certificates, Series 1992-2
       7.20% Class B Credit Card Participation Certificates, Series 1992-2
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)



        UNITED  STATES  OF  AMERICA                             33-55268
(State or other jurisdiction of incorporation)            (Commission File No.)
        

                                   46-0358360
                      (I.R.S. Employer Identification 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)

                                        1
<PAGE>

     ITEM 5. OTHER EVENTS.  Set forth below is the monthly report and servicer's
     certificate  (the  "Monthly  Report")  relating  to the  Distribution  Date
     occurring  on  February  15,  1996 and the  related  Due  Period  delivered
     pursuant to Section 5.02 of the Series 1992-2 Supplement to the Pooling and
     Servicing  Agreement,  each dated as of December  15, 1992  (together,  the
     "Agreement"), relating to Choice Credit Card Master Trust I, among Citibank
     (South  Dakota),  N.A. (the "Bank"),  as successor to Citibank  (Maryland),
     National  Association,  as Seller, the Bank, as Servicer,  and Norwest Bank
     Minnesota,  National  Association,  as Trustee. The Monthly Report contains
     information  relating  to the  distribution  to  Certificateholders  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.


                                       2
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.

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

                        CHOICE CREDIT CARD MASTER TRUST I
                   For the Due Period Ending January 26, 1996

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

This Certificate relates to the Distribution Date occurring on February 15, 1996
and the related Due Period.

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

   1. Portfolio Yield .........................................           10.17%

         Yield Component ......................................           14.60%

         Credit Loss Component ................................            4.43%

   2. New Purchase Rate .......................................            7.95%

   3. Total Payment Rate ......................................            9.71%

   4. Principal Payment Rate ..................................            8.61%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$   4,023,492,583

         Average ..............................................$   4,018,796,361

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

         End of Due Period ....................................$   4,004,204,582

   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 ..............................................$   3,653,827,052
            5-34 days delinquent ..............................$     233,917,579
           35-64 days delinquent ..............................$      68,024,524
           65-94 days delinquent ..............................$      36,092,463
          95-124 days delinquent ..............................$      25,547,813
         125-154 days delinquent ..............................$      19,079,036
         155-184 days delinquent ..............................$      14,456,897

         Current ...............................................          90.20%
            5-34 days delinquent ...............................           5.77%
           35-64 days delinquent ...............................           1.68%
           65-94 days delinquent ...............................           0.89%
          95-124 days delinquent ...............................           0.63%
         125-154 days delinquent ...............................           0.47%
         155-184 days delinquent ...............................           0.36%


                                       3
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.

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

                   CHOICE CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending January 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                               10.17%                10.17%
   2. Weighted Average Certificate Rate              6.27%                 6.27%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.77%                 0.77%
          Others                                     0.05%                 0.05%
   4. Surplus Finance Charge Collections             3.08%                 3.08%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        3.08%                 3.08%
      minus Required Surplus Finance Charge Amount

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

   1. Total Investor Collections                  $  108,498,672  $  108,498,672
          Principal Collections                   $   94,858,115  $   94,858,115
          Finance Charge Collections              $   13,640,557  $   13,640,557
   2. Investor Default Amount                     $    4,133,248  $    4,133,248
   3. Investor Monthly Interest                   $    5,757,833  $    5,757,833
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $      707,117  $      707,117
          Others                                  $       45,917  $       45,917
   5. Surplus Finance Charge Collections          $    2,996,442  $    2,996,442
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $    2,996,442  $    2,996,442
      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  December 27, 1995 to January 26, 1996, 31
       days, or January 16, 1996 to February 14, 1996, 30 days (standard basis).


                                       4
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                   For the Due Period Ending January 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  December  15,  1992,  (as  amended  and
supplemented,  the "Agreement"), as supplemented by the Series 1992-2 Supplement
(as amended and supplemented, the "Series Supplement"),  between Citibank (South
Dakota), Seller and Servicer, and Norwest Bank Minnesota,  National Association,
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 1992-2
   ------------------------------------------

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

 1b. Class B Invested Amount         .......................... $    102,000,000

 2a. Class A Monthly Interest        .......................... $      5,145,833

 2b. Class B Monthly Interest        .......................... $        612,000

 3a. Balance in the Class A Interest Funding Account .......... $     15,780,556

 3b. Balance in the Class B Interest Funding Account .......... $      1,836,000

 4a. Available Cash Collateral Amount ......................... $     77,140,000

 4b. Percent of Class B Invested Amount         ...............           75.63%

 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.

                                       5
<PAGE>


                          CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                   For the Due Period Ending January 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 ................... $     15,780,556

 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 ....... $     15,780,556

 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.


                                       6
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                   For the Due Period Ending January 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  December  15,  1992,  (as  amended  and
supplemented,  the "Agreement"), as supplemented by the Series 1992-2 Supplement
(as amended and supplemented, the "Series Supplement"),  between Citibank (South
Dakota),  N.A.,  Seller and  Servicer,  and  Norwest  Bank  Minnesota,  National
Association, 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 February 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 15th day of February 1996.


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


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



                                       7
<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
                                  Choice Credit Card Master Trust I



                                  By:  /s/ Eugene D. Rowenhorst
                                       ----------------------------------
                                       Eugene D. Rowenhorst
                                       Senior Vice President

Dated:  July 16, 1996


                                       8
<PAGE>
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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): February 15, 1996
                      ------------------------------------

                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                        CHOICE CREDIT CARD MASTER TRUST I
          (Issuer in respect of the Choice Credit Card Master Trust I
   Floating Rate Class A Credit Card Participation Certificates, Series 1992-2
       7.20% Class B Credit Card Participation Certificates, Series 1992-2
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)

        UNITED  STATES  OF  AMERICA                             33-55268
(State or other jurisdiction of incorporation)            (Commission File No.)
        

                                   46-0358360
                      (I.R.S. Employer Identification 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)

                                        1
ITEM 5. OTHER EVENTS.  Set forth below is the monthly report and servicer's
     certificate  (the  "Monthly  Report")  relating  to the  Distribution  Date
     occurring  on  February  15,  1996 and the  related  Due  Period  delivered
     pursuant to Section 5.02 of the Series 1992-2 Supplement to the Pooling and
     Servicing  Agreement,  each dated as of December  15, 1992  (together,  the
     "Agreement"), relating to Choice Credit Card Master Trust I, among Citibank
     (South  Dakota),  N.A. (the "Bank"),  as successor to Citibank  (Maryland),
     National  Association,  as Seller, the Bank, as Servicer,  and Norwest Bank
     Minnesota,  National  Association,  as Trustee. The Monthly Report contains
     information  relating  to the  distribution  to  Certificateholders  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.

                                       2
CITIBANK (SOUTH DAKOTA), N.A.

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

                        CHOICE CREDIT CARD MASTER TRUST I
                   For the Due Period Ending January 26, 1996

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

This Certificate relates to the Distribution Date occurring on February 15, 1996
and the related Due Period.

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

   1. Portfolio Yield .........................................           10.17%

         Yield Component ......................................           14.60%

         Credit Loss Component ................................            4.43%

   2. New Purchase Rate .......................................            7.95%

   3. Total Payment Rate ......................................            9.71%

   4. Principal Payment Rate ..................................            8.61%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$   4,023,492,583

         Average ..............................................$   4,018,796,361

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

         End of Due Period ....................................$   4,004,204,582

   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 ..............................................$   3,653,827,052
            5-34 days delinquent ..............................$     233,917,579
           35-64 days delinquent ..............................$      68,024,524
           65-94 days delinquent ..............................$      36,092,463
          95-124 days delinquent ..............................$      25,547,813
         125-154 days delinquent ..............................$      19,079,036
         155-184 days delinquent ..............................$      14,456,897

         Current ...............................................          90.20%
            5-34 days delinquent ...............................           5.77%
           35-64 days delinquent ...............................           1.68%
           65-94 days delinquent ...............................           0.89%
          95-124 days delinquent ...............................           0.63%
         125-154 days delinquent ...............................           0.47%
         155-184 days delinquent ...............................           0.36%

                                       3
CITIBANK (SOUTH DAKOTA), N.A.

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

                   CHOICE CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending January 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                               10.17%                10.17%
   2. Weighted Average Certificate Rate              6.27%                 6.27%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.77%                 0.77%
          Others                                     0.05%                 0.05%
   4. Surplus Finance Charge Collections             3.08%                 3.08%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        3.08%                 3.08%
      minus Required Surplus Finance Charge Amount

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

   1. Total Investor Collections                  $  108,498,672  $  108,498,672
          Principal Collections                   $   94,858,115  $   94,858,115
          Finance Charge Collections              $   13,640,557  $   13,640,557
   2. Investor Default Amount                     $    4,133,248  $    4,133,248
   3. Investor Monthly Interest                   $    5,757,833  $    5,757,833
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $      707,117  $      707,117
          Others                                  $       45,917  $       45,917
   5. Surplus Finance Charge Collections          $    2,996,442  $    2,996,442
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $    2,996,442  $    2,996,442
      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  December 27, 1995 to January 26, 1996, 31
       days, or January 16, 1996 to February 14, 1996, 30 days (standard basis).

                                       4
CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                   For the Due Period Ending January 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  December  15,  1992,  (as  amended  and
supplemented,  the "Agreement"), as supplemented by the Series 1992-2 Supplement
(as amended and supplemented, the "Series Supplement"),  between Citibank (South
Dakota), Seller and Servicer, and Norwest Bank Minnesota,  National Association,
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 1992-2
   ------------------------------------------

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

 1b. Class B Invested Amount         .......................... $    102,000,000

 2a. Class A Monthly Interest        .......................... $      5,145,833

 2b. Class B Monthly Interest        .......................... $        612,000

 3a. Balance in the Class A Interest Funding Account .......... $     15,780,556

 3b. Balance in the Class B Interest Funding Account .......... $      1,836,000

 4a. Available Cash Collateral Amount ......................... $     77,140,000

 4b. Percent of Class B Invested Amount         ...............           75.63%

 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.

                                       5
CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                   For the Due Period Ending January 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 ................... $     15,780,556

 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 ....... $     15,780,556

 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.

                                       6
CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                   For the Due Period Ending January 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  December  15,  1992,  (as  amended  and
supplemented,  the "Agreement"), as supplemented by the Series 1992-2 Supplement
(as amended and supplemented, the "Series Supplement"),  between Citibank (South
Dakota),  N.A.,  Seller and  Servicer,  and  Norwest  Bank  Minnesota,  National
Association, 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 February 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 15th day of February 1996.

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

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

                                       7
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
                                  Choice Credit Card Master Trust I

                                  By:  /s/ Eugene D. Rowenhorst
                                       ----------------------------------
                                       Eugene D. Rowenhorst
                                       Senior Vice President

Dated:  July 16, 1996

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