Exhibit 99.1
The following tables summarize the trust portfolio by various criteria as of August 31, 2016 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, 2016, 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 | | $ | 2,694,736,550 | | | | 19.6 | % | | | 5,077,862 | | | | 28.1 | % |
| Lowe’s | | | 2,612,967,402 | | | | 19.0 | % | | | 2,060,237 | | | | 11.4 | % |
| Wal-Mart (1) | | | 1,923,737,585 | | | | 14.0 | % | | | 1,584,953 | | | | 8.8 | % |
| Sam’s Club Dual Card | | | 1,691,833,296 | | | | 12.3 | % | | | 1,359,778 | | | | 7.5 | % |
| Sam’s Club(1) | | | 1,412,303,275 | | | | 10.3 | % | | | 2,018,983 | | | | 11.2 | % |
| Gap Family Dual Card(2) | | | 1,398,627,870 | | | | 10.2 | % | | | 1,461,585 | | | | 8.1 | % |
| Belk | | | 809,986,779 | | | | 5.9 | % | | | 1,653,144 | | | | 9.2 | % |
| Gap(3) | | | 487,822,574 | | | | 3.6 | % | | | 1,479,203 | | | | 8.2 | % |
| Chevron | | | 292,304,359 | | | | 2.1 | % | | | 1,035,241 | | | | 5.7 | % |
| JCPenney Dual Card | | | 130,897,897 | | | | 1.0 | % | | | 93,372 | | | | 0.5 | % |
| Other | | | 280,029,205 | | | | 2.0 | % | | | 224,163 | | | | 1.2 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % | | | 18,048,521 | | | | 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 | | $ | (15,264,748 | ) | | | -0.1 | % | | | 285,264 | | | | 1.6 | % |
| No Balance | | | - | | | | 0.0 | % | | | 6,793,118 | | | | 37.6 | % |
| $0.01-$500.00 | | | 900,302,123 | | | | 6.6 | % | | | 5,626,636 | | | | 31.2 | % |
| $500.01-$1,000.00 | | | 1,023,129,839 | | | | 7.4 | % | | | 1,407,484 | | | | 7.8 | % |
| $1,000.01-$2,000.00 | | | 2,255,344,178 | | | | 16.4 | % | | | 1,550,576 | | | | 8.6 | % |
| $2,000.01-$3,000.00 | | | 2,205,023,196 | | | | 16.1 | % | | | 897,421 | | | | 5.0 | % |
| $3,000.01-$4,000.00 | | | 1,887,766,863 | | | | 13.7 | % | | | 544,881 | | | | 3.0 | % |
| $4,000.01-$5,000.00 | | | 1,733,509,904 | | | | 12.6 | % | | | 385,716 | | | | 2.1 | % |
| $5,000.01-$6,000.00 | | | 1,315,177,552 | | | | 9.6 | % | | | 240,469 | | | | 1.3 | % |
| $6,000.01-$7,000.00 | | | 863,200,579 | | | | 6.3 | % | | | 133,609 | | | | 0.7 | % |
| $7,000.01-$8,000.00 | | | 619,265,707 | | | | 4.5 | % | | | 83,035 | | | | 0.5 | % |
| $8,000.01-$9,000.00 | | | 423,393,006 | | | | 3.1 | % | | | 50,020 | | | | 0.3 | % |
| $9,000.01-$10,000.00 | | | 298,133,012 | | | | 2.2 | % | | | 31,499 | | | | 0.2 | % |
| $10,000.01-$15,000.00 | | | 188,926,670 | | | | 1.4 | % | | | 16,854 | | | | 0.1 | % |
| $15,000.01-$20,000.00 | | | 23,650,638 | | | | 0.2 | % | | | 1,418 | | | | 0.0 | % |
| $20,000.01 or more | | | 13,688,272 | | | | 0.1 | % | | | 521 | | | | 0.0 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % | | | 18,048,521 | | | | 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 | | $ | 99,519,647 | | | | 0.7 | % | | | 935,206 | | | | 5.2 | % |
| $500.01-$1,000.00 | | | 261,736,611 | | | | 1.9 | % | | | 1,161,761 | | | | 6.4 | % |
| $1,000.01-$2,000.00 | | | 1,029,382,760 | | | | 7.5 | % | | | 4,039,858 | | | | 22.4 | % |
| $2,000.01-$3,000.00 | | | 1,465,892,630 | | | | 10.7 | % | | | 3,276,118 | | | | 18.2 | % |
| $3,000.01-$4,000.00 | | | 1,414,665,833 | | | | 10.3 | % | | | 1,976,732 | | | | 11.0 | % |
| $4,000.01-$5,000.00 | | | 1,881,747,918 | | | | 13.7 | % | | | 1,788,682 | | | | 9.9 | % |
| $5,000.01-$6,000.00 | | | 1,829,972,396 | | | | 13.3 | % | | | 1,326,633 | | | | 7.4 | % |
| $6,000.01-$7,000.00 | | | 1,217,735,041 | | | | 8.9 | % | | | 825,441 | | | | 4.6 | % |
| $7,000.01-$8,000.00 | | | 1,299,371,985 | | | | 9.5 | % | | | 869,467 | | | | 4.8 | % |
| $8,000.01-$9,000.00 | | | 899,231,755 | | | | 6.5 | % | | | 476,749 | | | | 2.6 | % |
| $9,000.01-$10,000.00 | | | 1,712,249,367 | | | | 12.5 | % | | | 1,060,401 | | | | 5.9 | % |
| $10,000.01 or more | | | 623,740,848 | | | | 4.5 | % | | | 311,473 | | | | 1.7 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % | | | 18,048,521 | | | | 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 | | | - | | | | 0.0 | % | | | - | | | | 0.0 | % |
| Over 36 Months to 48 Months | | | 239,512,639 | | | | 1.7 | % | | | 319,095 | | | | 1.8 | % |
| Over 48 Months to 60 Months | | | 1,042,707,459 | | | | 7.6 | % | | | 1,240,086 | | | | 6.9 | % |
| Over 60 Months to 72 Months | | | 1,025,591,376 | | | | 7.5 | % | | | 1,283,868 | | | | 7.1 | % |
| Over 72 Months to 84 Months | | | 1,123,797,964 | | | | 8.2 | % | | | 1,288,285 | | | | 7.1 | % |
| Over 84 Months to 96 Months | | | 1,112,997,079 | | | | 8.1 | % | | | 1,260,533 | | | | 7.0 | % |
| Over 96 Months to 108 Months | | | 1,216,030,139 | | | | 8.9 | % | | | 1,295,132 | | | | 7.2 | % |
| Over 108 Months to 120 Months | | | 1,212,840,031 | | | | 8.8 | % | | | 1,364,755 | | | | 7.6 | % |
| Over 120 Months | | | 6,761,770,105 | | | | 49.2 | % | | | 9,996,767 | | | | 55.4 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % | | | 18,048,521 | | | | 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, 2016 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 | | $ | 1,336,181,693 | | | | 9.7 | % | | | 1,597,297 | | | | 8.9 | % |
| California | | | 1,052,516,169 | | | | 7.7 | % | | | 1,704,641 | | | | 9.4 | % |
| Florida | | | 873,376,279 | | | | 6.4 | % | | | 1,164,018 | | | | 6.4 | % |
| North Carolina | | | 758,719,317 | | | | 5.5 | % | | | 981,553 | | | | 5.4 | % |
| New York | | | 648,576,664 | | | | 4.7 | % | | | 921,503 | | | | 5.1 | % |
| Other | | | 9,065,876,669 | | | | 66.0 | % | | | 11,679,509 | | | | 64.7 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % | | | 18,048,521 | | | | 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 | | $ | 12,893,744,200 | | | | 93.9 | % | | | 17,568,250 | | | | 97.3 | % |
| 1 – 29 Days | | | 441,669,490 | | | | 3.2 | % | | | 299,746 | | | | 1.7 | % |
| 30 – 59 Days | | | 127,173,525 | | | | 0.9 | % | | | 67,170 | | | | 0.4 | % |
| 60 – 89 Days | | | 91,147,682 | | | | 0.7 | % | | | 41,049 | | | | 0.2 | % |
| 90 – 119 Days | | | 70,911,813 | | | | 0.5 | % | | | 29,696 | | | | 0.2 | % |
| 120 – 149 Days | | | 61,129,503 | | | | 0.4 | % | | | 24,034 | | | | 0.1 | % |
| 150 or More Days | | | 49,470,578 | | | | 0.4 | % | | | 18,576 | | | | 0.1 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % | | | 18,048,521 | | | | 100.0 | % |
The following table reflects receivables as of August 31, 2016, 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 | | $ | 792,272,929 | | | | 5.8 | % |
| 600 to 659 | | | 2,448,416,608 | | | | 17.8 | % |
| 660 to 719 | | | 5,464,183,338 | | | | 39.8 | % |
| 720 and above | | | 4,972,948,059 | | | | 36.2 | % |
| No Score | | | 57,425,858 | | | | 0.4 | % |
| Total | | $ | 13,735,246,792 | | | | 100.0 | % |
| (1) | FICO® is a federally registered trademark of Fair, Isaac & Company. |
