Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: December 2004
1) |
| Beginning of the Month Principal Receivables: |
| $ | 35,582,572,070.14 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 850,086,078.99 |
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3) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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4) |
| Beginning of the Month Total Receivables: |
| $ | 36,432,658,149.13 |
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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: |
| $ | 36,119,374,938.66 |
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13) |
| End of the Month Finance Charge Receivables: |
| $ | 837,958,489.84 |
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14) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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15) |
| End of the Month Total Receivables: |
| $ | 36,957,333,428.50 |
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16) |
| Excess Funding Account Balance |
| $ | 0.00 |
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17) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 31,040,571,259.66 |
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18) |
| End of the Month Seller Percentage |
| 14.06 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: December 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 |
| 458,519 |
| $ | 500,336,008.76 |
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| 3) | 60 - 89 days delinquent |
| 285,800 |
| $ | 338,985,632.51 |
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| 4) | 90+ days delinquent |
| 608,337 |
| $ | 778,952,306.11 |
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| 5) | Total 30+ days delinquent |
| 1,352,656 |
| $ | 1,618,273,947.38 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.38 | % | |
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7) |
| Defaulted Accounts during the Month |
| 194,867 |
| $ | 186,819,367.39 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.30 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: December 2004
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 5,966,080,133.71 |
| 16.38 | % | |
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,353,952,776.49 |
| 15.05 | % | |
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 426,955,477.06 |
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| 4) | Amortized AMF Income |
| $ | 44,654,818.43 |
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| 5) | Interchange Collected |
| $ | 92,837,989.48 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 54,076,435.65 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 618,524,720.62 |
| 20.86 | % |
Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: December 2004
1) | Beginning Unamortized AMF Balance |
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| $ | 243,224,610.54 |
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| 2) | + AMF Slug |
| $ | 0.00 |
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| 3) | + AMF Collections |
| $ | 38,257,455.03 |
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| 4) | - Amortized AMF Income |
| $ | 44,654,818.43 |
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5) | Ending Unamortized AMF Balance |
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| $ | 236,827,247.14 |
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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
