Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: October 2004
1) |
| Beginning of the Month Principal Receivables: |
| $ | 35,101,219,970.10 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 861,621,752.72 |
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3) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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4) |
| Beginning of the Month Total Receivables: |
| $ | 35,962,841,722.82 |
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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: |
| $ | 0.00 |
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9) |
| Additional Finance Charge Receivables: |
| $ | 0.00 |
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10) |
| Additional Total Receivables: |
| $ | 0.00 |
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11) |
| Discounted Receivables Generated this Period: |
| $ | 0.00 |
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12) |
| End of the Month Principal Receivables: |
| $ | 34,638,814,610.38 |
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13) |
| End of the Month Finance Charge Receivables: |
| $ | 842,112,948.85 |
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14) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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15) |
| End of the Month Total Receivables: |
| $ | 35,480,927,559.23 |
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16) |
| Excess Funding Account Balance |
| $ | 0.00 |
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17) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 29,416,205,560.22 |
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18) |
| End of the Month Seller Percentage |
| 15.08 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: October 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 |
| 454,916 |
| $ | 508,314,878.29 |
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| 3) | 60 - 89 days delinquent |
| 278,090 |
| $ | 337,377,025.66 |
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| 4) | 90+ days delinquent |
| 592,040 |
| $ | 756,670,669.84 |
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| 5) | Total 30+ days delinquent |
| 1,325,046 |
| $ | 1,602,362,573.79 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.52 | % | |
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7) |
| Defaulted Accounts during the Month |
| 182,523 |
| $ | 176,119,897.44 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.02 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: October 2004
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 5,659,528,371.30 |
| 15.74 | % | ||
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,051,956,767.51 |
| 14.39 | % | ||
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 450,823,818.96 |
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| 4) | Amortized AMF Income |
| $ | 43,708,809.65 |
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| 5) | Interchange Collected |
| $ | 70,842,327.93 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 54,510,627.43 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 619,885,583.97 |
| 21.19 | % | |
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| Capital One Master Trust (AMF COLLECTIONS) |
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| MONTHLY PERIOD: October 2004 |
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1) |
| Beginning Unamortized AMF Balance |
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| $ | 238,457,142.38 |
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| 2) | + AMF Slug |
| $ | 0.00 |
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| 3) | + AMF Collections |
| $ | 31,394,829.47 |
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| 4) | - Amortized AMF Income |
| $ | 43,708,809.65 |
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5) |
| Ending Unamortized AMF Balance |
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| $ | 226,143,162.20 |
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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
