Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: July 2004
1) | Beginning of the Month Principal Receivables: |
| $ | 33,803,083,920.80 |
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2) | Beginning of the Month Finance Charge Receivables: |
| $ | 801,049,867.87 |
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3) | Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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4) | Beginning of the Month Total Receivables: |
| $ | 34,604,133,788.67 |
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5) | Removed Principal Receivables: |
| $ | 0.00 |
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6) | Removed Finance Charge Receivables: |
| $ | 0.00 |
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7) | Removed Total Receivables: |
| $ | 0.00 |
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8) | Additional Principal Receivables: |
| $ | 997,452,762.88 |
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9) | Additional Finance Charge Receivables: |
| $ | 49,094,064.92 |
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10) | Additional Total Receivables: |
| $ | 1,046,546,827.80 |
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11) | Discounted Receivables Generated this Period: |
| $ | 0.00 |
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12) | End of the Month Principal Receivables: |
| $ | 34,670,795,968.96 |
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13) | End of the Month Finance Charge Receivables: |
| $ | 842,526,970.56 |
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14) | End of the Month Discounted Receivables: |
| $ | 0.00 |
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15) | End of the Month Total Receivables: |
| $ | 35,513,322,939.52 |
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16) | Excess Funding Account Balance |
| $ | 0.00 |
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17) | Adjusted Invested Amount of all Master Trust Series |
| $ | 29,965,844,676.39 |
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18) | End of the Month Seller Percentage |
| 13.57 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: July 2004
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| ACCOUNTS |
| RECEIVABLES |
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1) | End of the Month Delinquencies: |
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| 2) | 30 - 59 days delinquent |
| 448,977 |
| $ | 494,168,475.82 |
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| 3) | 60 - 89 days delinquent |
| 275,973 |
| $ | 326,115,836.68 |
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| 4) | 90+ days delinquent |
| 505,733 |
| $ | 672,642,552.55 |
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| 5) | Total 30+ days delinquent |
| 1,230,683 |
| $ | 1,492,926,865.05 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.20 | % | |
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7) | Defaulted Accounts during the Month |
| 159,123 |
| $ | 170,091,364.35 |
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8) | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 5.87 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
| Capital One Master Trust (COLLECTIONS) |
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| MONTHLY PERIOD: July 2004 |
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| COLLECTIONS |
| PERCENTAGES |
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1) | Total Collections and Gross Payment Rate** |
| $ | 5,912,246,902.48 |
| 16.58 | % | ||
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2) | Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,309,321,272.43 |
| 15.26 | % | ||
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 429,932,609.47 |
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| 4) | Amortized AMF Income |
| $ | 45,312,929.86 |
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| 5) | Interchange Collected |
| $ | 74,999,677.46 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 57,165,803.60 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 607,411,020.39 |
| 20.94 | % | |
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| Capital One Master Trust (AMF COLLECTIONS) |
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| MONTHLY PERIOD: July 2004 |
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1) | Beginning Unamortized AMF Balance |
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| $ | 223,732,708.81 |
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| 2) | + AMF Slug |
| $ | 26,909,468.20 |
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| 3) | + AMF Collections |
| $ | 40,827,539.52 |
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| 4) | - Amortized AMF Income |
| $ | 45,312,929.86 |
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5) | Ending Unamortized AMF Balance |
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| $ | 246,156,786.67 |
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**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables
