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): May 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             (Commission File No.) 
         incorporation)

                                   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 May 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 April 25, 1996

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

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

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

   1. Portfolio Yield .........................................           10.34%

         Yield Component ......................................           15.62%

         Credit Loss Component ................................            5.28%

   2. New Purchase Rate .......................................            7.72%

   3. Total Payment Rate ......................................           10.67%

   4. Principal Payment Rate ..................................            9.55%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$   3,908,643,602

         Average ..............................................$   3,873,885,200

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

         End of Due Period ....................................$   3,847,161,979

   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 ..............................................$   3,556,420,550
            5-34 days delinquent ..............................$     207,043,248
           35-64 days delinquent ..............................$      58,081,036
           65-94 days delinquent ..............................$      33,817,163
          95-124 days delinquent ..............................$      23,927,454
         125-154 days delinquent ..............................$      18,969,255
         155-184 days delinquent ..............................$      14,602,719

         Current ...............................................          90.89%
            5-34 days delinquent ...............................           5.29%
           35-64 days delinquent ...............................           1.49%
           65-94 days delinquent ...............................           0.86%
          95-124 days delinquent ...............................           0.61%
         125-154 days delinquent ...............................           0.49%
         155-184 days delinquent ...............................           0.37%



                                       3
<PAGE>

                         CITIBANK (SOUTH DAKOTA), N.A.

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

                   CHOICE CREDIT CARD MASTER TRUST I -GROUP 1
                    For the Due Period Ending April 25, 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                               10.34%                10.34%
   2. Weighted Average Certificate Rate              5.70%                 5.70%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.77%                 0.77%
          Others                                     0.05%                 0.05%
   4. Surplus Finance Charge Collections             3.82%                 3.82%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        3.82%                 3.82%
      minus Required Surplus Finance Charge Amount
C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1. Total Investor Collections                  $  119,384,338  $  119,384,338
          Principal Collections                   $  105,295,140  $  105,295,140
          Finance Charge Collections              $   14,089,198  $   14,089,198
   2. Investor Default Amount                     $    4,769,601  $    4,769,601
   3. Investor Monthly Interest                   $    5,237,000  $    5,237,000
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $      707,117  $      707,117
          Others                                  $       45,917  $       45,917
   5. Surplus Finance Charge Collections          $    3,329,563  $    3,329,563
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $    3,329,563  $    3,329,563
      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 March 27, 1996 to April 25, 1996, 30 days,
       or April 15, 1996 to May 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 April 25, 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        .......................... $      4,625,000

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

 3a. Balance in the Class A Interest Funding Account .......... $     13,875,000

 3b. Balance in the Class B Interest Funding Account .......... $      3,672,000

 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 April 25, 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 ................... $     13,875,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      3,672,000

 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 ....... $     13,875,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      3,672,000

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

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


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



                                       6
<PAGE>


                         CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                    For the Due Period Ending April 25, 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 May 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 9th day of May 1996.


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


                    By: /s/ Susan Sexton
                    Name:  Susan Sexton
                    Title: Vice President



                                       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:  May 31, 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): May 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             (Commission File No.) 
         incorporation)

                                   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 May 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 April 25, 1996

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

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

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

   1. Portfolio Yield .........................................           10.34%

         Yield Component ......................................           15.62%

         Credit Loss Component ................................            5.28%

   2. New Purchase Rate .......................................            7.72%

   3. Total Payment Rate ......................................           10.67%

   4. Principal Payment Rate ..................................            9.55%

   5. Aggregate Amount of Principal Receivables in the Trust:

         Beginning of Due Period ..............................$   3,908,643,602

         Average ..............................................$   3,873,885,200

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

         End of Due Period ....................................$   3,847,161,979

   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 ..............................................$   3,556,420,550
            5-34 days delinquent ..............................$     207,043,248
           35-64 days delinquent ..............................$      58,081,036
           65-94 days delinquent ..............................$      33,817,163
          95-124 days delinquent ..............................$      23,927,454
         125-154 days delinquent ..............................$      18,969,255
         155-184 days delinquent ..............................$      14,602,719

         Current ...............................................          90.89%
            5-34 days delinquent ...............................           5.29%
           35-64 days delinquent ...............................           1.49%
           65-94 days delinquent ...............................           0.86%
          95-124 days delinquent ...............................           0.61%
         125-154 days delinquent ...............................           0.49%
         155-184 days delinquent ...............................           0.37%

                                       3
CITIBANK (SOUTH DAKOTA), N.A.

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

                   CHOICE CREDIT CARD MASTER TRUST I -GROUP 1
                    For the Due Period Ending April 25, 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                               10.34%                10.34%
   2. Weighted Average Certificate Rate              5.70%                 5.70%
   3. Weighted Average Investor Fee Rates
          Fixed Servicing Fee                        0.77%                 0.77%
          Others                                     0.05%                 0.05%
   4. Surplus Finance Charge Collections             3.82%                 3.82%
   5. Required Surplus Finance Charge Amount         0.00%                 0.00%
   6. Aggregate Surplus Finance Charge Amount        3.82%                 3.82%
      minus Required Surplus Finance Charge Amount
C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1. Total Investor Collections                  $  119,384,338  $  119,384,338
          Principal Collections                   $  105,295,140  $  105,295,140
          Finance Charge Collections              $   14,089,198  $   14,089,198
   2. Investor Default Amount                     $    4,769,601  $    4,769,601
   3. Investor Monthly Interest                   $    5,237,000  $    5,237,000
   4. Investor Monthly Fees
          Fixed Servicing Fees                    $      707,117  $      707,117
          Others                                  $       45,917  $       45,917
   5. Surplus Finance Charge Collections          $    3,329,563  $    3,329,563
   6. Required Surplus Finance Charge Collections $            0  $            0
   7. Aggregate Surplus Finance Charge Amount     $    3,329,563  $    3,329,563
      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 March 27, 1996 to April 25, 1996, 30 days,
       or April 15, 1996 to May 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 April 25, 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        .......................... $      4,625,000

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

 3a. Balance in the Class A Interest Funding Account .......... $     13,875,000

 3b. Balance in the Class B Interest Funding Account .......... $      3,672,000

 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 April 25, 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 ................... $     13,875,000

 1b. The total amount of the distribution to Class B
     Certificateholders on the Payment Date ................... $      3,672,000

 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 ....... $     13,875,000

 3b. The amount of the distribution set forth in item 1(b) above
     in respect of interest on the Class B Certificates ....... $      3,672,000

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

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

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

                                       6
CITIBANK (SOUTH DAKOTA), N.A.

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

                Choice Credit Card Master Trust I, Series 1992-2
                    For the Due Period Ending April 25, 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 May 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 9th day of May 1996.

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

                    By: /s/ Susan Sexton
                    Name:  Susan Sexton
                    Title: Vice President

                                       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:  May 31, 1996

                                       8