Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: September 2004
1) |
| Beginning of the Month Principal Receivables: |
| $ | 34,661,093,961.20 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 832,871,493.81 |
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3) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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4) |
| Beginning of the Month Total Receivables: |
| $ | 35,493,965,455.01 |
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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: |
| $ | 1,054,359,415.62 |
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9) |
| Additional Finance Charge Receivables: |
| $ | 36,319,151.58 |
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10) |
| Additional Total Receivables: |
| $ | 1,090,678,567.20 |
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11) |
| Discounted Receivables Generated this Period: |
| $ | 0.00 |
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12) |
| End of the Month Principal Receivables: |
| $ | 35,101,219,970.10 |
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13) |
| End of the Month Finance Charge Receivables: |
| $ | 861,621,752.72 |
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14) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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15) |
| End of the Month Total Receivables: |
| $ | 35,962,841,722.82 |
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16) |
| Excess Funding Account Balance |
| $ | 0.00 |
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17) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 30,025,743,406.56 |
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18) |
| End of the Month Seller Percentage |
| 14.46 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: September 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 |
| 455,447 |
| $ | 506,174,034.31 |
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| 3) | 60 - 89 days delinquent |
| 293,102 |
| $ | 345,385,439.87 |
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| 4) | 90+ days delinquent |
| 583,526 |
| $ | 744,275,872.28 |
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| 5) | Total 30+ days delinquent |
| 1,332,075 |
| $ | 1,595,835,346.46 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.44 | % | |
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7) |
| Defaulted Accounts during the Month |
| 170,270 |
| $ | 172,005,953.49 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 5.78 | % |
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: September 2004
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 5,878,747,337.94 |
| 16.07 | % | |
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,263,896,874.16 |
| 14.74 | % | |
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 455,232,116.36 |
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| 4) | Amortized AMF Income |
| $ | 44,677,881.78 |
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| 5) | Interchange Collected |
| $ | 69,646,391.23 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 48,956,737.93 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 618,513,127.30 |
| 20.78 | % |
Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: September 2004
1) |
| Beginning Unamortized AMF Balance |
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| $ | 233,276,804.05 |
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| 2) | + AMF Slug |
| $ | 8,843,001.85 |
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| 3) | + AMF Collections |
| $ | 41,015,218.26 |
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| 4) | - Amortized AMF Income |
| $ | 44,677,881.78 |
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5) |
| Ending Unamortized AMF Balance |
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| $ | 238,457,142.38 |
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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