Synchrony Credit Card Master Note Trust 8-K Entry into a Material Definitive Agreement

Exhibit 99.1

The following tables summarize the trust portfolio by various criteria as of August 31, 2015 for each of the retailers included in the trust portfolio, except for the “Composition by FICO^® Credit Score Range” table, which reflects receivables balances as of August 31, 2015, and the composition of accounts by FICO^® credit score as most recently refreshed.

Please note that numbers and percentages presented in the tables in this section may not sum to the totals presented due to rounding.

For purposes of the tables in this section:

• Total Receivables Outstanding is the sum of principal receivables and finance charge receivables (which includes fee receivables) included in the trust portfolio in the period indicated.

• Accounts is the number of accounts included in the trust portfolio as of the date or in the period indicated.

Composition by Retailer

Retailer	Total Receivables Outstanding		Percentage of  Total Receivables Outstanding			Number of Accounts		Percentage  of Number  of Accounts
JCPenney	$	3,128,833,308		19.8	%		6,123,825		28.0	%
Lowe’s		2,832,811,709		17.9	%		2,310,594		10.5	%
Wal-Mart (1)		2,132,992,353		13.5	%		1,812,821		8.3	%
Sam’s Club Dual Card		1,869,522,975		11.8	%		1,522,192		6.9	%
Sam’s Club(1)		1,661,901,648		10.5	%		2,430,270		11.1	%
Gap Family Dual Card(2)		1,531,035,057		9.7	%		1,647,608		7.5	%
Belk		849,894,690		5.4	%		1,843,720		8.4	%
Gap(3)		558,838,095		3.5	%		1,817,073		8.3	%
Chevron		370,693,308		2.3	%		1,693,664		7.7	%
JCPenney Dual Card		153,070,925		1.0	%		106,197		0.5	%
Other		700,221,097		4.4	%		595,631		2.7	%
Total	$	15,789,815,166		100.0	%		21,903,595		100.0	%

⁽¹⁾ Sam’s Club and Wal-Mart are affiliated retailers. Sam’s Club cards may also be used at Wal-Mart locations, and Wal-Mart cards may be used at Sam’s Club locations if the cardholder belongs to the club. Figures shown here are based on which retailer is identified on the card, not where the purchase was made.

⁽²⁾ Figures presented for Gap Family Dual Card include Old Navy Dual Card, Gap Dual Card and Banana Republic Dual Card, which are affiliated retailers. Each of these retailers’ cards may be used at the locations of the other two.

⁽³⁾ Figures presented for Gap include Old Navy, Gap and Banana Republic, which are affiliated retailers. Each of these retailers’ cards may be used at the locations of the other two.

Composition by Account Balance Range

Account Balance Range	Total Receivables Outstanding			Percentage of  Total Receivables Outstanding			Number of Accounts		Percentage  of Number  of Accounts
Credit Balance	$	(15,667,276	)		-0.1	%		306,046		1.4	%
No Balance		-			0.0	%		8,502,620		38.8	%
$0.01-$500.00		1,093,559,941			6.9	%		6,629,012		30.3	%
$500.01-$1,000.00		1,307,925,795			8.3	%		1,797,768		8.2	%
$1,000.01-$2,000.00		2,836,205,918			18.0	%		1,953,381		8.9	%
$2,000.01-$3,000.00		2,664,661,904			16.9	%		1,086,651		5.0	%
$3,000.01-$4,000.00		2,179,990,353	��		13.8	%		629,732		2.9	%
$4,000.01-$5,000.00		1,910,151,297			12.1	%		425,436		1.9	%
$5,000.01-$6,000.00		1,399,931,872			8.9	%		256,163		1.2	%
$6,000.01-$7,000.00		896,272,790			5.7	%		138,747		0.6	%
$7,000.01-$8,000.00		613,819,365			3.9	%		82,387		0.4	%
$8,000.01-$9,000.00		402,658,533			2.6	%		47,588		0.2	%
$9,000.01-$10,000.00		285,320,023			1.8	%		30,148		0.1	%
$10,000.01-$15,000.00		180,622,262			1.1	%		16,101		0.1	%
$15,000.01-$20,000.00		22,744,264			0.1	%		1,358		0.0	%
$20,000.01 or more		11,618,124			0.1	%		457		0.0	%
Total	$	15,789,815,166			100.0	%		21,903,595		100.0	%

Composition by Credit Limit Range

Credit Limit Range	Total Receivables Outstanding		Percentage of  Total Receivables Outstanding			Number of Accounts		Percentage  of Number  of Accounts
$0.01-$500.00	$	140,196,882		0.9	%		1,588,492		7.3	%
$500.01-$1,000.00		388,402,270		2.5	%		1,646,472		7.5	%
$1,000.01-$2,000.00		1,420,644,495		9.0	%		5,213,773		23.8	%
$2,000.01-$3,000.00		1,898,663,115		12.0	%		3,962,641		18.1	%
$3,000.01-$4,000.00		1,810,258,152		11.5	%		2,371,557		10.8	%
$4,000.01-$5,000.00		2,189,074,936		13.9	%		2,037,150		9.3	%
$5,000.01-$6,000.00		2,084,321,022		13.2	%		1,443,969		6.6	%
$6,000.01-$7,000.00		1,320,488,152		8.4	%		890,298		4.1	%
$7,000.01-$8,000.00		1,404,406,203		8.9	%		934,066		4.3	%
$8,000.01-$9,000.00		906,492,275		5.7	%		486,996		2.2	%
$9,000.01-$10,000.00		1,670,432,631		10.6	%		1,060,903		4.8	%
$10,000.01 or more		556,435,035		3.5	%		267,278		1.2	%
Total	$	15,789,815,166		100.0	%		21,903,595		100.0	%

Composition by Account Age Range

Account Age Range	Total Receivables Outstanding		Percentage of  Total Receivables Outstanding			Number of Accounts		Percentage  of Number  of Accounts
Up to 6 Months	$	-		0.0	%		-		0.0	%
6 Months to 12 Months		-		0.0	%		-		0.0	%
Over 12 Months to 24 Months		-		0.0	%		-		0.0	%
Over 24 Months to 36 Months		269,617,904		1.7	%		411,971		1.9	%
Over 36 Months to 48 Months		1,187,632,109		7.5	%		1,566,926		7.2	%
Over 48 Months to 60 Months		1,177,634,474		7.5	%		1,602,566		7.3	%
Over 60 Months to 72 Months		1,297,825,887		8.2	%		1,574,755		7.2	%
Over 72 Months to 84 Months		1,293,890,506		8.2	%		1,554,443		7.1	%
Over 84 Months to 96 Months		1,383,123,763		8.8	%		1,563,631		7.1	%
Over 96 Months to 108 Months		1,388,629,672		8.8	%		1,641,160		7.5	%
Over 108 Months to 120 Months		1,311,153,021		8.3	%		1,489,855		6.8	%
Over 120 Months		6,480,307,831		41.0	%		10,498,288		47.9	%
Total	$	15,789,815,166		100.0	%		21,903,595		100.0	%

Except for the applicable states listed below, no state accounted for more than 5% of the number of accounts or 5% of the total receivables balances, as applicable, as of August 31, 2015 for each of the retailers included in the trust portfolio.

Composition by Billing Address

Billing Address	Total Receivables Outstanding		Percentage of  Total Receivables Outstanding			Number of Accounts		Percentage  of Number  of Accounts
Texas	$	1,539,383,672		9.7	%		1,987,877		9.1	%
California		1,260,682,372		8.0	%		2,189,895		10.0	%
Florida		1,019,470,520		6.5	%		1,427,089		6.5	%
North Carolina		842,690,693		5.3	%		1,131,986		5.2	%
New York		752,677,217		4.8	%		1,107,608		5.1	%
Other		10,374,910,693		65.7	%		14,059,140		64.2	%
Total	$	15,789,815,166		100.0	%		21,903,595		100.0	%

Composition by Delinquency Status

Delinquency Status	Total Receivables Outstanding		Percentage of Total Receivables Outstanding			Number of Accounts		Percentage of Number of Accounts
Current, Credit and Zero Balance	$	14,801,189,832		93.7	%		21,286,725		97.2	%
1 – 29 Days		521,978,231		3.3	%		382,510		1.7	%
30 – 59 Days		148,647,577		0.9	%		86,201		0.4	%
60 – 89 Days		104,733,032		0.7	%		52,649		0.2	%
90 – 119 Days		83,231,786		0.5	%		38,850		0.2	%
120 – 149 Days		72,359,930		0.5	%		32,167		0.1	%
150 or More Days		57,674,778		0.4	%		24,493		0.1	%
Total	$	15,789,815,166		100.0	%		21,903,595		100.0	%

The following table reflects receivables as of August 31, 2015, and the composition of accounts by FICO^® credit score as most recently refreshed:

Composition by FICO^®Credit Score Range 

FICO® Credit Score Range(1)	Total Receivables Outstanding		Percentage of Total Receivables Outstanding
Less than or equal to 599	$	990,823,363		6.3	%
600 to 659		2,954,881,352		18.7	%
660 to 719		6,331,622,239		40.1	%
720 and above		5,447,750,038		34.5	%
No Score		64,738,175		0.4	%
Total	$	15,789,815,166		100.0	%

⁽¹⁾ FICO^® is a federally registered trademark of Fair, Isaac & Company.

Receivables Delinquency Experience
(Dollars in Thousands)

	As of August 21,					As of December 21,
	2015					2014					2013
	Receivables		Percentage of Receivables Outstanding			Receivables		Percentage of Receivables Outstanding			Receivables		Percentage of Receivables Outstanding
Receivables Outstanding	$	15,705,458				$	17,429,750				$	19,408,263
Receivables Delinquent:
30-59 Days		146,171		0.93	%		171,159		0.98	%		223,805		1.15	%
60-89 Days		104,714		0.67	%		132,705		0.76	%		171,322		0.88	%
90-119 Days		81,536		0.52	%		113,169		0.65	%		140,698		0.72	%
120-149 Days		70,363		0.45	%		101,881		0.58	%		119,678		0.62	%
150-179 Days		61,609		0.39	%		84,550		0.49	%		99,588		0.51	%
180 or More Days		4		0.00	%		0		0.00	%		0		0.00	%
Total	$	464,396		2.96	%	$	603,464		3.46	%	$	755,091		3.89	%

	As of December 21,
	2012					2011					2010
	Receivables		Percentage of Receivables Outstanding			Receivables		Percentage of Receivables Outstanding			Receivables		Percentage of Receivables Outstanding
Receivables Outstanding	$	20,374,821				$	19,636,126				$	18,165,466
Receivables Delinquent:
30-59 Days		240,178		1.18	%		230,328		1.17	%		239,331		1.32	%
60-89 Days		175,120		0.86	%		171,955		0.88	%		182,981		1.01	%
90-119 Days		142,810		0.70	%		141,543		0.72	%		156,931		0.86	%
120-149 Days		116,342		0.57	%		117,589		0.60	%		141,554		0.78	%
150-179 Days		101,894		0.50	%		95,273		0.49	%		110,458		0.61	%
180 or More Days		0		0.00	%		15		0.00	%		4		0.00	%
Total	$	776,342		3.81	%	$	756,702		3.85	%	$	831,259		4.58	%

Account Delinquency Experience

	As of August 21,					As of December 21,
	2015					2014					2013
	Accounts		Percentage of Total Accounts Outstanding			Accounts		Percentage of Total Accounts Outstanding			Accounts		Percentage of Total Accounts Outstanding
Accounts Outstanding		21,902,839					24,153,279					30,218,856
Accounts Delinquent:
30-59 Days		85,193		0.39	%		101,615		0.42	%		150,856		0.50	%
60-89 Days		52,374		0.24	%		69,724		0.29	%		104,695		0.35	%
90-119 Days		38,378		0.18	%		56,060		0.23	%		81,893		0.27	%
120-149 Days		31,240		0.14	%		49,598		0.21	%		68,371		0.23	%
150-179 Days		25,971		0.12	%		40,063		0.17	%		55,793		0.18	%
180 or More Days		2		0.00	%		0		0.00	%		0		0.00	%
Total		233,158		1.06	%		317,060		1.31	%		461,608		1.53	%

	As of December 21,
	2012					2011					2010
	Accounts		Percentage of Total Accounts Outstanding			Accounts		Percentage of Total Accounts Outstanding			Accounts		Percentage of Total Accounts Outstanding
Accounts Outstanding		36,683,421					38,362,612					36,768,070
Accounts Delinquent:
30-59 Days		201,009		0.55	%		176,207		0.46	%		185,246		0.50	%
60-89 Days		126,736		0.35	%		117,955		0.31	%		124,760		0.34	%
90-119 Days		97,742		0.27	%		93,716		0.24	%		103,634		0.28	%
120-149 Days		74,700		0.20	%		76,267		0.20	%		90,730		0.25	%
150-179 Days		63,945		0.17	%		62,484		0.16	%		70,391		0.19	%
180 or More Days		0		0.00	%		6		0.00	%		4		0.00	%
Total		564,132		1.54	%		526,635		1.37	%		574,765		1.56	%

Loss Experience
(Dollars in Thousands)

	Eight Months Ended August 21,			Securitization Reporting Year
	2015			2014			2013			2012			2011			2010
Average Principal  Receivables Outstanding	$	15,628,528		$	17,146,343		$	18,127,172		$	17,676,845		$	17,155,868		$	17,547,629
Gross Principal Charge-Offs	$	688,487		$	1,167,467		$	1,189,535		$	1,221,977		$	1,350,808		$	1,764,794
Gross Principal Charge-Offs as a Percentage of Average Principal Receivables Outstanding (Annualized)		6.61	%		6.81	%		6.56	%		6.91	%		7.87	%		10.06	%
Less: Recoveries	$	92,569		$	201,236		$	214,757		$	190,602		$	170,904		$	147,598
Net Principal Charge-Offs	$	595,918		$	966,231		$	974,778		$	1,031,374		$	1,179,904		$	1,617,195
Net Principal Charge-Offs as a Percentage of Average Principal Receivables Outstanding (Annualized)		5.72	%		5.64	%		5.38	%		5.83	%		6.88	%		9.22	%
Gross Charge-Off Accounts		418,199			814,591			975,186			1,034,536			1,131,247			1,506,814
Average Accounts Outstanding		23,112,166			27,556,108			33,456,581			36,425,576			37,973,033			40,139,347
Gross Charge-Offs as a Percentage of Average Accounts Outstanding (Annualized)		2.71	%		2.96	%		2.91	%		2.84	%		2.98	%		3.75	%

Revenue Experience
(Dollars in Thousands)

	Eight Months Ended August 21,			Securitization Reporting Year
	2015			2014			2013			2012			2011			2010
Average Principal Receivables Outstanding	$	15,628,528		$	17,146,343		$	18,127,172		$	17,676,845		$	17,155,868		$	17,547,629
Collected Finance Charges  and Fees	$	2,700,312		$	4,537,206		$	4,771,273		$	4,392,709		$	3,972,184		$	4,275,252
Collected Finance Charges and Fees as a Percentage of Average Principal Receivables Outstanding (Annualized)		25.92	%		26.46	%		26.32	%		24.85	%		23.15	%		24.36	%

Collateral for the Notes

The following information regarding the trust portfolio is as of August 21, 2015:

• total transferred receivables: $15,705,458,341

• principal receivables: $15,106,096,351

• finance charge receivables: $599,361,989

• total number of accounts designated to the trust portfolio: 21,902,839

As of August 31, 2015:

• The accounts designated for the trust portfolio had an average total receivable balance of approximately $721 and an average credit limit of approximately $3,545.

• For accounts designated for the trust portfolio, the percentage of the aggregate total receivable balance to the aggregate total credit limit was 20.3%.

• The average age of the accounts designated for the trust portfolio was approximately 133 months.