Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: April 2005
1) | Beginning of the Month Principal Receivables: |
| $ | 35,543,395,763.79 |
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2) | Beginning of the Month Finance Charge Receivables: |
| $ | 645,578,982.67 |
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3) | Beginning of the Month AMF Receivables : |
| $ | 69,239,691.25 |
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4) | Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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5) | Beginning of the Month Total Receivables: |
| $ | 36,258,214,437.71 |
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6) | Removed Principal Receivables: |
| $ | 0.00 |
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7) | Removed Finance Charge Receivables: |
| $ | 0.00 |
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8) | Removed AMF Receivables |
| $ | 0.00 |
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9) | Removed Total Receivables: |
| $ | 0.00 |
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10) | Additional Principal Receivables: |
| $ | 1,550,665,108.60 |
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11) | Additional Finance Charge Receivables: |
| $ | 45,343,394.75 |
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12) | Additional AMF Receivables |
| $ | 7,200,833.04 |
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13) | Additional Total Receivables: |
| $ | 1,603,209,336.39 |
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14) | Discounted Receivables Generated this Period: |
| $ | 0.00 |
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15) | End of the Month Principal Receivables: |
| $ | 36,677,722,003.23 |
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16) | End of the Month Finance Charge Receivables: |
| $ | 677,369,600.86 |
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17) | End of the Month AMF Receivables |
| $ | 77,615,073.56 |
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18) | End of the Month Discounted Receivables: |
| $ | 0.00 |
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19) | End of the Month Total Receivables: |
| $ | 37,432,706,677.65 |
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20) | Excess Funding Account Balance |
| $ | 0.00 |
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21) | Adjusted Invested Amount of all Master Trust Series |
| $ | 30,807,322,981.61 |
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22) | End of the Month Seller Percentage |
| 16.01 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: April 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 |
| 403,639 |
| $ | 448,298,999.51 |
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| 3) | 60 - 89 days delinquent |
| 221,854 |
| $ | 284,942,633.08 |
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| 4) | 90+ days delinquent |
| 511,906 |
| $ | 673,285,470.99 |
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| 5) | Total 30+ days delinquent |
| 1,137,399 |
| $ | 1,406,527,103.58 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 3.76 | % | |
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7) | Defaulted Accounts during the Month |
| 188,163 |
| $ | 200,794,905.11 |
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8) | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.50 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: April 2005
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| COLLECTIONS |
| PERCENTAGES |
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1) | Total Collections and Gross Payment Rate** |
| $ | 6,297,403,890.05 |
| 16.63 | % | |
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2) | Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,698,732,324.10 |
| 15.36 | % | |
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 421,823,646.75 |
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| 4) | Amortized AMF Income |
| $ | 45,291,902.70 |
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| 5) | Interchange Collected |
| $ | 84,860,521.35 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 62,512,041.55 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 614,488,112.35 |
| 19.88 | % |
| Capital One Master Trust (AMF COLLECTIONS) |
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| MONTHLY PERIOD: April 2005 |
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1) | Beginning Unamortized AMF Balance |
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| $ | 216,877,344.20 |
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| 2) | + AMF Slug |
| $ | 34,188,107.73 |
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| 3) | + AMF Collections |
| $ | 29,475,356.30 |
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| 4) | - Amortized AMF Income |
| $ | 45,291,902.70 |
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5) | Ending Unamortized AMF Balance |
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| $ | 235,248,905.53 |
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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
