Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: July 2005
1) |
| Beginning of the Month Principal Receivables: |
| $ | 36,881,180,419.43 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 689,237,528.58 |
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3) |
| Beginning of the Month AMF Receivables: |
| $ | 76,864,610.09 |
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4) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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5) |
| Beginning of the Month Total Receivables: |
| $ | 37,647,282,558.10 |
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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: |
| $ | 0.00 |
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11) |
| Additional Finance Charge Receivables: |
| $ | 0.00 |
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12) |
| Additional AMF Receivables |
| $ | 0.00 |
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13) |
| Additional Total Receivables: |
| $ | 0.00 |
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14) |
| Discounted Receivables Generated this Period: |
| $ | 0.00 |
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15) |
| End of the Month Principal Receivables: |
| $ | 36,336,822,513.88 |
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16) |
| End of the Month Finance Charge Receivables: |
| $ | 688,650,248.18 |
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17) |
| End of the Month AMF Receivables |
| $ | 74,707,142.72 |
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18) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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19) |
| End of the Month Total Receivables: |
| $ | 37,100,179,904.78 |
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20) |
| Excess Funding Account Balance |
| $ | 0.00 |
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21) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 31,991,333,807.35 |
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22) |
| End of the Month Seller Percentage |
| 11.96 | % | |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: July 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 |
| 438,876 |
| $ | 487,153,823.91 |
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| 3) | 60 - 89 days delinquent |
| 268,996 |
| $ | 317,472,963.02 |
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| 4) | 90+ days delinquent |
| 501,660 |
| $ | 648,094,862.89 |
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| 5) | Total 30+ days delinquent |
| 1,209,532 |
| $ | 1,452,721,649.82 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 3.92 | % | |
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7) |
| Defaulted Accounts during the Month |
| 166,072 |
| $ | 180,384,793.09 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 5.87 | % | ||
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: July 2005
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 6,536,698,523.77 |
| 17.36 | % | |||
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,877,000,987.10 |
| 15.93 | % | |||
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 473,792,598.82 |
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| 4) | Amortized AMF Income |
| $ | 42,661,094.86 |
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| 5) | Interchange Collected |
| $ | 90,689,571.26 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 61,844,573.00 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 668,987,837.94 |
| 21.77 | % | ||
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| Capital One Master Trust (AMF COLLECTIONS) |
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| MONTHLY PERIOD: July 2005 |
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1) |
| Beginning Unamortized AMF Balance |
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| $ | 224,746,994.88 |
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| 2) | + AMF Slug |
| $ | 0.00 |
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| 3) | + AMF Collections |
| $ | 33,370,793.59 |
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| 4) | - Amortized AMF Income |
| $ | 42,661,094.86 |
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5) |
| Ending Unamortized AMF Balance |
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| $ | 215,456,693.61 |
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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
