The following tables present data as of November 30, 1998
Composition by Account Balance
Representative Portfolio
Percentage Percentage
of Total of Total
Number of Number of Receivables Receivables
Account Balance Range Accounts Accounts Balance Balance
Credit Balance 45,781 2.17% $(5,390,275.43) -0.17%
Zero Balance 865,868 40.99% - 0.00%
$.01-$1,000.00 402,984 19.08% 145,949,688.27 4.56%
$1,000.01-$3,000.00 332,798 15.76% 643,979,578.81 20.13%
$3,000.01-$5,000.00 251,412 11.90% 997,061,336.20 31.16%
$5,000.01-$10,000.00 208,242 9.86% 1,359,534,633.71 42.50%
Over $10,000.00 5,016 0.24% 58,135,492.98 1.82%
Total 2,112,101 100.00% $3,199,270,454.54 100.00%
Composition by Credit Limit
Representative Portfolio
Percentage Percentage
of Total of Total
Number of Number of Receivables Receivables
Credit Limit Range Accounts Accounts Balance Balance
$0.01-$1,000.00 41,588 1.97% $ 8,295,284.91 0.26%
$1,000.01-$2,000.00 59,363 2.81% 34,397,876.13 1.07%
$2,000.01-$3,000.00 68,586 3.25% 68,951,119.55 2.16%
$3,000.01-$4,000.00 110,512 5.23% 126,283,807.31 3.95%
$4,000.01-$5,000.00 227,054 10.75% 303,758,239.14 9.49%
$5,000.01-$10,000.00 1,551,477 73.46% 2,472,051,933.29 77.27%
Over $10,000.00 53,521 2.53% 185,532,194.21 5.80%
Total 2,112,101 100.00% $3,199,270,454.54 100.00%
Composition by Period of Delinquency
Representative Portfolio
Percentage Percentage
Period of Delinquency of Total of Total
(Days Contractually Number of Number of Receivables Receivables
Delinquent) Accounts Accounts Balance Balance
Current 2,046,929 96.92% $2,967,126,050.41 92.74%
1-30 Days 38,270 1.81% 122,083,539.24 3.82%
31-60 Days 8,489 0.40% 31,278,150.66 0.98%
61 or More Days 18,413 0.87% 78,782,714.23 2.46%
Total 2,112,101 100.00% $3,199,270,454.54 100.00%
Composition by Account Age
Representative Portfolio
Percentage Percentage
of Total of Total
Number of Number of Receivables Receivables
Account Age Range Accounts Accounts Balance Balance
0-6 Months 278,221 13.17% $ 593,626,255.98 18.56%
Over 6 to 12 Months 332,401 15.74% 482,541,785.67 15.08%
Over 12 to 24 Months 584,743 27.69% 676,116,894.13 21.13%
Over 24 to 48 Months 544,026 25.76% 770,162,323.22 24.07%
Over 48 Months 372,710 17.64% 676,823,195.54 21.16
Total 2,112,101 100.00% $3,199,270,454.54 100.00%
Geographic Distribution by Receivables Balance
Representative Portfolio
Percentage Percentage
of Total of Total
Number of Number of Receivables Receivables
Accounts Accounts Balance Balance
CA 209,459 9.92% $ 316,623,599.58 9.90%
CT 144,083 6.82% 235,651,991.67 7.36%
TX 143,224 6.78% 222,862,584.02 6.97%
NY 143,251 6.78% 203,785,143.10 6.37%
FL 129,276 6.12% 192,994,914.60 6.03%
IL 86,103 4.08% 134,808,114.57 4.21%
PA 95,540 4.52% 131,704,669.00 4.12%
OH 86,150 4.08% 126,923,252.64 3.97%
MI 67,095 3.18% 99,516,522.82 3.11%
NJ 68,832 3.26% 97,771,408.23 3.06%
Other(1) 939,088 44.46% 1,436,628,254.31 44.90%
Total 2,112,101 100.00% $3,199,270,454.54 100.00%
<FN>
(1) States with less than 3.06% of the Percentage of Total Receivables
Balance.
</FN>