RFS HOLDING LLC - FORM 8-K - EX-99.1 - COMPOSITION OF THE TRUST PORTFOLIO - August 19, 2016

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Exhibit 99.1

 

 

 

The following tables summarize the trust portfolio by various criteria as of July 31, 2016 for each of the retailers included in the trust portfolio.

 

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   $2,828,716,080    20.2%    5,283,901    28.6% 
Lowe’s    2,656,595,825    19.0%    2,079,965    11.3% 
Wal-Mart (1)    1,933,793,637    13.8%    1,606,083    8.7% 
Sam’s Club Dual Card    1,702,644,130    12.2%    1,368,599    7.4% 
Sam’s Club(1)    1,416,938,749    10.1%    2,045,347    11.1% 
Gap Family Dual Card(2)    1,399,321,465    10.0%    1,476,376    8.0% 
Belk    825,757,585    5.9%    1,668,499    9.0% 
Gap(3)    504,327,782    3.6%    1,543,401    8.4% 
Chevron    299,167,756    2.1%    1,047,239    5.7% 
JCPenney Dual Card    131,925,256    0.9%    94,253    0.5% 
Other    294,785,122    2.1%    235,525    1.3% 
Total   $13,993,973,386    100.0%    18,449,188    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   $(14,326,632)   -0.1%    293,817    1.6% 
No Balance    –    0.0%    6,897,101    37.4% 
$0.01-$500.00    925,257,226    6.6%    5,771,065    31.3% 
$500.01-$1,000.00    1,059,567,223    7.6%    1,457,673    7.9% 
$1,000.01-$2,000.00    2,330,277,102    16.7%    1,602,627    8.7% 
$2,000.01-$3,000.00    2,264,017,279    16.2%    921,700    5.0% 
$3,000.01-$4,000.00    1,926,230,675    13.8%    556,106    3.0% 
$4,000.01-$5,000.00    1,755,078,787    12.5%    390,643    2.1% 
$5,000.01-$6,000.00    1,324,006,971    9.5%    242,116    1.3% 
$6,000.01-$7,000.00    865,343,046    6.2%    133,914    0.7% 
$7,000.01-$8,000.00    619,687,986    4.4%    83,097    0.5% 
$8,000.01-$9,000.00    420,783,388    3.0%    49,715    0.3% 
$9,000.01-$10,000.00    295,153,777    2.1%    31,180    0.2% 
$10,000.01-$15,000.00    184,654,771    1.3%    16,450    0.1% 
$15,000.01-$20,000.00    24,061,962    0.2%    1,443    0.0% 
$20,000.01 or  more    14,179,825    0.1%    541    0.0% 
Total   $13,993,973,386    100.0%    18,449,188    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   $102,387,906    0.7%    962,093    5.2% 
$500.01-$1,000.00    270,800,502    1.9%    1,208,447    6.6% 
$1,000.01-$2,000.00    1,063,992,175    7.6%    4,160,614    22.6% 
$2,000.01-$3,000.00    1,510,473,432    10.8%    3,354,450    18.2% 
$3,000.01-$4,000.00    1,456,615,013    10.4%    2,028,406    11.0% 
$4,000.01-$5,000.00    1,927,720,822    13.8%    1,828,771    9.9% 
$5,000.01-$6,000.00    1,862,584,171    13.3%    1,349,827    7.3% 
$6,000.01-$7,000.00    1,252,724,755    9.0%    841,511    4.6% 
$7,000.01-$8,000.00    1,326,260,633    9.5%    881,306    4.8% 
$8,000.01-$9,000.00    908,821,132    6.5%    479,126    2.6% 
$9,000.01-$10,000.00    1,700,558,928    12.2%    1,051,558    5.7% 
$10,000.01 or more    611,033,918    4.4%    303,079    1.6% 
Total   $13,993,973,386    100.0%    18,449,188    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    321,977,103    2.3%    434,355    2.4% 
Over 48 Months to 60 Months    1,046,219,465    7.5%    1,262,853    6.8% 
Over 60 Months to 72 Months    1,045,894,870    7.5%    1,322,453    7.2% 
Over 72 Months to 84 Months    1,146,656,391    8.2%    1,332,432    7.2% 
Over 84 Months to 96 Months    1,144,319,890    8.2%    1,281,708    6.9% 
Over 96 Months to 108 Months    1,258,239,540    9.0%    1,354,023    7.3% 
Over 108 Months to 120 Months    1,205,130,163    8.6%    1,364,502    7.4% 
Over 120 Months    6,825,535,964    48.8%    10,096,862    54.7% 
Total   $13,993,973,386    100.0%    18,449,188    100.0%