Exhibit 99.1

Balance Reductions

The accounts in the trust portfolio may have balance reductions granted for a number of reasons, including merchandise refunds, returns, and fraudulent charges. For the twelve months ended February 28, 2019, the average monthly balance reduction rate for the accounts in the trust portfolio attributable to such returns and fraud was 1.36%.

The following information regarding the trust portfolio is as of February 28, 2019:

• total transferred receivables: $5,317,448,518;

• principal receivables: $5,112,634,206;

• finance charge receivables: $204,814,312; and

• total number of accounts designated to the trust portfolio: 4,714,678.

As of February 28, 2019:

• the accounts designated for the trust portfolio had an average total receivable balance of approximately $1,128 and an average credit limit of approximately $6,163;

• for accounts designated for the trust portfolio, the percentage of the aggregate total receivable balance to the aggregate total credit limit was 18.3%; and

• the average age of the accounts designated for the trust portfolio was approximately 59 months.

The following tables summarize the trust portfolio by various criteria as of February 28, 2019 for each of the program partners 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.

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

Composition by Program Partner of the Trust Portfolio

Program Partner	Total Receivables Outstanding	Percentage of Total Receivables Outstanding	Number of Accounts	Percentage of Number of Accounts
Sam's Club DC	$1,334,340,074	25.1%	917,361	19.5%
Lowe's PLCC	1,096,882,153	20.6%	1,088,313	23.1%
TJX DC	712,727,052	13.4%	954,410	20.2%
Old Navy DC¹	555,362,702	10.4%	458,520	9.7%
Gap DC & Banana Republic DC¹	517,074,226	9.7%	522,643	11.1%
PayPal DC	472,565,846	8.9%	279,005	5.9%
BP DC	296,673,990	5.6%	254,306	5.4%
JCPenney DC	264,317,059	5.0%	174,256	3.7%
Dick's Sporting Goods DC	67,505,415	1.3%	65,864	1.4%
Total	$5,317,448,518	100.0%	4,714,678	100.0%

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¹Old Navy, Gap and Banana Republic are currently affiliated retailers. On February 28, 2019, Gap Inc. announced plans to separate Old Navy into an independent, unaffiliated company.

Composition by Account Balance Range of the Trust Portfolio

Account Balance Range	Total Receivables Outstanding	Percentage of Total Receivables Outstanding	Number of Accounts	Percentage of Number of Accounts
Credit Balance	$ (6,114,028)	-0.1%	64,320	1.4%
No Balance	-	0.0%	1,549,678	32.9%
$0.01-$500.00	227,386,131	4.3%	1,248,776	26.5%
$500.01-$1,000.00	311,941,690	5.9%	428,535	9.1%
$1,000.01-$2,000.00	745,973,858	14.0%	506,238	10.7%
$2,000.01-$3,000.00	757,102,479	14.2%	307,791	6.5%
$3,000.01-$4,000.00	657,741,120	12.4%	189,216	4.0%
$4,000.01-$5,000.00	630,373,311	11.9%	140,487	3.0%
$5,000.01-$6,000.00	584,595,507	11.0%	106,535	2.3%
$6,000.01-$7,000.00	407,011,891	7.7%	62,927	1.3%
$7,000.01-$8,000.00	332,103,161	6.2%	44,427	0.9%
$8,000.01-$9,000.00	218,989,819	4.1%	25,871	0.5%
$9,000.01-$10,000.00	185,179,563	3.5%	19,515	0.4%
$10,000.01-$15,000.00	197,836,548	3.7%	17,059	0.4%
$15,000.01-$20,000.00	34,306,757	0.6%	2,028	0.0%
$20,000.01 or more	33,020,709	0.6%	1,275	0.0%
Total	$5,317,448,518	100.0%	4,714,678	100.0%

Composition by Credit Limit Range of the Trust Portfolio

Credit Limit Range	Total Receivables Outstanding	Percentage of Total Receivables Outstanding	Number of Accounts	Percentage of Number of Accounts
$0.01-$500.00	$ 20,281,629	0.4%	133,446	2.8%
$500.01-$1,000.00	50,912,055	1.0%	131,573	2.8%
$1,000.01-$2,000.00	275,906,431	5.2%	482,462	10.2%
$2,000.01-$3,000.00	409,137,888	7.7%	555,241	11.8%
$3,000.01-$4,000.00	379,131,835	7.1%	491,599	10.4%
$4,000.01-$5,000.00	495,814,307	9.3%	457,422	9.7%
$5,000.01-$6,000.00	614,327,153	11.6%	400,918	8.5%
$6,000.01-$7,000.00	420,247,358	7.9%	306,855	6.5%
$7,000.01-$8,000.00	642,573,323	12.1%	408,779	8.7%
$8,000.01-$9,000.00	364,323,312	6.9%	264,557	5.6%
$9,000.01-$10,000.00	752,051,326	14.1%	449,225	9.5%
$10,000.01-$20,000.00	795,716,024	15.0%	599,196	12.7%
$20,000.01 or more	97,025,878	1.8%	33,405	0.7%
Total	$5,317,448,518	100.0%	4,714,678	100.0%

Composition by Account Age Range of the Trust Portfolio

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	670,841,541	12.6%	809,323	17.2%
Over 24 Months to 36 Months	1,187,852,786	22.3%	975,521	20.7%
Over 36 Months to 48 Months	821,071,598	15.4%	698,938	14.8%
Over 48 Months to 60 Months	927,093,165	17.4%	729,608	15.5%
Over 60 Months to 72 Months	634,969,037	11.9%	513,033	10.9%
Over 72 Months to 84 Months	341,483,890	6.4%	308,812	6.6%
Over 84 Months to 96 Months	205,086,378	3.9%	182,276	3.9%
Over 96 Months to 108 Months	120,848,309	2.3%	98,186	2.1%
Over 108 Months to 120 Months	37,291,756	0.7%	44,092	0.9%
Over 120 Months	370,910,058	7.0%	354,889	7.5%
Total	$5,317,448,518	100.0%	4,714,678	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 February 28, 2019 for each of the program partners included in the trust portfolio. Since the largest number of cardholders (based on billing addresses) whose accounts are designated for the trust portfolio were in the five states listed below, adverse economic conditions affecting cardholders residing in those areas could affect timely payment by the related cardholders of amounts due on the accounts and, accordingly, the rate of delinquencies and losses for the trust portfolio.

Composition by Billing Address of the Trust Portfolio

Billing Address	Total Receivables Outstanding	Percentage of Total Receivables Outstanding	Number of Accounts	Percentage of Number of Accounts
California	$ 457,039,012	8.6%	436,713	9.3%
Texas	438,911,916	8.3%	342,142	7.3%
Florida	384,565,462	7.2%	341,986	7.3%
New York	339,926,237	6.4%	331,793	7.0%
Pennsylvania	265,993,589	5.0%	253,054	5.4%
Other	3,431,012,302	64.5%	3,008,990	63.8%
Total	$5,317,448,518	100.0%	4,714,678	100.0%

Composition by Delinquency Status of the Trust Portfolio

Delinquency Status	Total Receivables Outstanding	Percentage of Total Receivables Outstanding	Number of Accounts	Percentage of Number of Accounts
Current, Credit and Zero Balance	$4,992,946,431	93.9%	4,592,286	97.4%
1 – 29 Days	146,324,846	2.8%	67,662	1.4%
30 – 59 Days	45,835,259	0.9%	15,825	0.3%
60 – 89 Days	38,284,530	0.7%	11,852	0.3%
90 – 119 Days	34,482,989	0.6%	10,073	0.2%
120 – 149 Days	31,709,083	0.6%	9,086	0.2%
150 or More Days	27,865,380	0.5%	7,894	0.2%
Total	$5,317,448,518	100.0%	4,714,678	100.0%

Composition by FICO^®Credit Score

A FICO^®credit score is a measurement derived from a proprietary credit scoring method owned by Fair, Isaac & Company to determine the likelihood that credit users will pay their credit obligations in accordance with the terms of their accounts. Although Fair, Isaac & Company discloses only limited information about the variables it uses to assess credit risk, those variables likely include, but are not limited to, debt level, credit history, payment patterns (including delinquency experience) and level of utilization of available credit. FICO^®credit scores range from 300 to 850, and a borrower with a higher score is statistically expected to be less likely to default in payment than a borrower with a lower score.

FICO^® credit scores for any one individual may be determined by up to three independent credit bureaus. In determining whether to grant credit to a potential account holder, the bank uses a FICO^®credit score as reported by one of the three major credit bureaus. Therefore, certain FICO^®credit scores for an individual account holder based upon information collected by other credit bureaus could be different from the FICO^®credit score used by the bank.

FICO^® credit scores are based on independent, third-party information, the accuracy of which we cannot verify. FICO^® credit scores were not developed specifically for use in connection with credit card accounts, but for consumer credit products in general. The bank does not use standardized credit scores, such as a FICO^® credit score, alone to determine the credit limit or other terms that are approved or applied on an account. Rather, each application is scored based on the applicant’s credit bureau report using industry and proprietary credit models and bankruptcy scorecards.

FICO^® credit scores of an individual may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, and changes in credit score technology used by Fair, Isaac & Company. To the extent available, FICO^® credit scores are generally obtained at origination of the account and at least quarterly thereafter. Because the composition of the accounts designated for the trust may change over time, this table is not necessarily indicative of FICO^® credit scores at origination of the accounts or the composition of the accounts in the trust at any specific time thereafter.

The following table reflects receivables as of February 28, 2019, and the composition of accounts by FICO^® credit score as most recently refreshed:

Composition by FICO^®Credit Score Range of the Trust Portfolio

FICO^® Credit Score Range⁽¹⁾	Total Receivables Outstanding	Percentage of Total Receivables Outstanding
Less than or equal to 599	$ 295,083,626	5.5%
600-659	690,212,513	13.0%
660-719	2,109,034,610	39.7%
720 and above	2,214,845,251	41.7%
No score	8,272,518	0.2%
Total	$5,317,448,518	100.0%

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⁽¹⁾

FICO^® is a federally registered trademark of Fair, Isaac & Company

Trust Portfolio - Cardholder Monthly Payment Rates

	Twelve Months Ended February 28,	Calendar Year	One Month Ended December 31,
	2019	2018	2017
Lowest Month	18.98%	18.17%	21.90%
Highest Month	20.73%	22.76%	21.90%
Monthly Average	19.86%	20.53%	21.90%

Trust Portfolio - Payment Status¹

	Percentage of Accounts
	Twelve Billing Cycles Ended February 28, 2019	Twelve Billing Cycles Ended in December, 2018	One Billing Cycle Ended in December, 2017
Less than Minimum Payment	7.88%	7.01%	6.61%
Minimum Payment	14.78%	14.08%	12.01%
Greater than Minimum Payment, Less than Full Payment	39.17%	39.99%	39.20%
Full Payment or Greater than Full Payment	38.17%	38.91%	42.18%

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¹The data for accounts that are added or removed from the trust may be excluded or included, respectively, for up to two months after the date of such add or removal.

We cannot assure you that the cardholder monthly payment rates or the payment experience for the selected portfolio or trust portfolio in the future will be similar to the historical experience set forth in the tables above. In addition, the amount of collections of receivables may vary from month to month due to seasonal variations, general economic conditions, payment habits of individual cardholders and changes in minimum payment formulas.

Synchrony Card Issuance Trust 8-K