The following tables present data as of September 30, 1999
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 56,777 2.55% $(6,144,345.80) -0.20%
Zero Balance 1,034,115 46.42% - 0.00%
$.01-$1,000.00 401,323 18.01% 139,848,570.78 4.52%
$1,000.01-$3,000.00 299,191 13.43% 575,579,622.88 18.61%
$3,000.01-$5,000.00 215,733 9.68% 855,992,173.92 27.68%
$5,000.01-$10,000.00 213,859 9.60% 1,447,659,796.11 46.81%
Over $10,000.00 6,899 0.31% 79,380,708.60 2.58%
Total 2,227,897 100.00% $3,092,316,526.49 100.00%
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-$1,000.00 102,579 4.60% $ 7,065,429.90 0.23%
$1,000.01-$2,000.00 48,741 2.19% 27,298,489.55 0.88%
$2,000.01-$3,000.00 61,634 2.77% 58,625,846.51 1.90%
$3,000.01-$4,000.00 96,580 4.34% 103,900,251.48 3.36%
$4,000.01-$5,000.00 211,580 9.50% 272,433,983.37 8.81%
$5,000.01-$10,000.00 1,649,884 74.06% 2,451,623,016.44 79.28%
Over $10,000.00 56,899 2.54% 171,369,509.24 5.54%
Total 2,227,897 100.00% $3,092,316,526.49 100.00%
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 2,170,668 97.43% $2,870,920,019.55 92.84%
1-30 Days 35,032 1.57% 119,845,677.99 3.88%
31-60 Days 7,764 0.35% 32,357,320.96 1.05%
61 or More Days 14,433 0.65% 69,193,507.99 2.23%
Total 2,227,897 100.00% $3,092,316,526.49 100.00%
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 158,938 7.13% $ 452,348,519.72 14.63%
Over 6 to 12 Months 350,673 15.74% 523,112,487.98 16.92%
Over 12 to 24 Months 673,939 30.25% 634,474,556.96 20.52%
Over 24 to 48 Months 677,841 30.43% 818,243,201.94 26.46%
Over 48 Months 366,506 16.45% 664,137,759.89 21.47
Total 2,227,897 100.00% $3,092,316,526.49 100.00%
Geographic Distribution by Receivables Balance
Representative Portfolio
Percentage Percentage
of Total of Total
Number of Number of Receivables Receivables
Accounts Accounts Balance Balance
CA 228,094 10.24% $ 307,665,490.18 9.95%
TX 147,498 6.62% 218,463,602.62 7.06%
CT 123,286 5.53% 199,292,688.06 6.44%
NY 152,798 6.86% 195,504,242.29 6.32%
FL 144,165 6.47% 191,675,383.41 6.20%
IL 92,527 4.15% 131,893,477.39 4.27%
PA 102,062 4.58% 127,730,767.93 4.13%
OH 90,429 4.06% 124,726,450.73 4.03%
MI 70,618 3.17% 97,072,232.08 3.14%
NJ 73,016 3.28% 93,204,198.83 3.01%
Other(1) 1,003,404 45.04% 1,405,087,992.97 45.45%
Total 2,227,897 100.00% $3,092,316,526.49 100.00%
<FN>
(1) States with less than 3.01% of the Percentage of Total Receivables
Balance.
</FN>