Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: February 2005
1) | Beginning of the Month Principal Receivables: |
| $ | 35,030,734,394.94 |
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2) | Beginning of the Month Finance Charge Receivables: |
| $ | 835,389,808.46 |
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3) | Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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4) | Beginning of the Month Total Receivables: |
| $ | 35,866,124,203.40 |
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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: |
| $ | 1,381,765,794.21 |
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9) | Additional Finance Charge Receivables: |
| $ | 4,302,642.16 |
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10) | Additional Total Receivables: |
| $ | 1,386,068,436.37 |
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11) | Discounted Receivables Generated this Period: |
| $ | 0.00 |
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12) | End of the Month Principal Receivables: |
| $ | 35,408,344,439.19 |
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13) | End of the Month Finance Charge Receivables: |
| $ | 759,961,991.04 |
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14) | End of the Month Discounted Receivables: |
| $ | 0.00 |
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15) | End of the Month Total Receivables: |
| $ | 36,168,306,430.23 |
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16) | Excess Funding Account Balance |
| $ | 0.00 |
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17) | Adjusted Invested Amount of all Master Trust Series |
| $ | 31,040,571,259.66 |
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18) | End of the Month Seller Percentage |
| 12.34 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: February 2005
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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 |
| 381,423 |
| $ | 462,602,391.26 |
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| 3) | 60 - 89 days delinquent |
| 250,836 |
| $ | 319,263,698.61 |
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| 4) | 90+ days delinquent |
| 560,514 |
| $ | 746,257,813.31 |
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| 5) | Total 30+ days delinquent |
| 1,192,773 |
| $ | 1,528,123,903.18 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.23 | % | |
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7) | Defaulted Accounts during the Month |
| 181,917 |
| $ | 179,051,527.77 |
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8) | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 5.90 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: February 2005
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| COLLECTIONS |
| PERCENTAGES |
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1) | Total Collections and Gross Payment Rate** |
| $ | 5,805,425,398.23 |
| 15.58 | % | |||
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2) | Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,183,113,406.34 |
| 14.23 | % | |||
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 460,488,546.23 |
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| 4) | Amortized AMF Income |
| $ | 42,029,408.32 |
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| 5) | Interchange Collected |
| $ | 63,625,537.51 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 62,577,839.44 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 628,721,331.50 |
| 20.72 | % | ||
Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: February 2005
1) | Beginning Unamortized AMF Balance |
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| $ | 231,863,322.14 |
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| 2) | + AMF Slug |
| $ | 509.41 |
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| 3) | + AMF Collections |
| $ | 35,620,068.71 |
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| 4) | - Amortized AMF Income |
| $ | 42,029,408.32 |
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5) | Ending Unamortized AMF Balance |
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| $ | 225,454,491.94 |
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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
