Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: November 2004
1) |
| Beginning of the Month Principal Receivables: |
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| $ | 34,638,814,610.38 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
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| $ | 842,112,948.85 |
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3) |
| Beginning of the Month Discounted Receivables: |
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| $ | 0.00 |
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4) |
| Beginning of the Month Total Receivables: |
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| $ | 35,480,927,559.23 |
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5) |
| Removed Principal Receivables: |
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| $ | 0.00 |
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6) |
| Removed Finance Charge Receivables: |
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| $ | 0.00 |
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7) |
| Removed Total Receivables: |
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| $ | 0.00 |
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8) |
| Additional Principal Receivables: |
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| $ | 909,785,277.26 |
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9) |
| Additional Finance Charge Receivables: |
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| $ | 38,229,016.49 |
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10) |
| Additional Total Receivables: |
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| $ | 948,014,293.75 |
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11) |
| Discounted Receivables Generated this Period: |
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| $ | 0.00 |
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12) |
| End of the Month Principal Receivables: |
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| $ | 35,582,572,070.14 |
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13) |
| End of the Month Finance Charge Receivables: |
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| $ | 850,086,078.99 |
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14) |
| End of the Month Discounted Receivables: |
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| $ | 0.00 |
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15) |
| End of the Month Total Receivables: |
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| $ | 36,432,658,149.13 |
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16) |
| Excess Funding Account Balance |
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| $ | 0.00 |
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17) |
| Adjusted Invested Amount of all Master Trust Series |
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| $ | 31,040,571,260.25 |
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18) |
| End of the Month Seller Percentage |
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| 12.76 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: November 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 |
| 461,943 |
| $ | 507,080,334.29 |
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| 3) | 60 - 89 days delinquent |
| 299,502 |
| $ | 354,333,687.21 |
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| 4) | 90+ days delinquent |
| 603,487 |
| $ | 772,764,833.88 |
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| 5) | Total 30+ days delinquent |
| 1,364,932 |
| $ | 1,634,178,855.38 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.49 | % | |
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7) |
| Defaulted Accounts during the Month |
| 190,772 |
| $ | 184,288,834.80 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.22 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
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| Capital One Master Trust (COLLECTIONS) |
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 5,628,295,293.83 |
| 15.45 | % | |
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,014,328,240.32 |
| 14.11 | % | |
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 443,945,070.54 |
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| 4) | Amortized AMF Income |
| $ | 45,975,993.37 |
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| 5) | Interchange Collected |
| $ | 77,173,023.01 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 51,995,763.89 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 619,089,850.81 |
| 20.90 | % |
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| Capital One Master Trust (AMF COLLECTIONS) |
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1) |
| Beginning Unamortized AMF Balance |
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| $ | 226,143,162.20 |
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| 2) | + AMF Slug |
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| $ | 22,204,245.64 |
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| 3) | + AMF Collections |
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| $ | 40,853,196.07 |
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| 4) | - Amortized AMF Income |
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| $ | 45,975,993.37 |
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5) |
| Ending Unamortized AMF Balance |
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| $ | 243,224,610.54 |
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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
