Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: November 2005
1) | | Beginning of the Month Principal Receivables: | | $ | 36,411,849,106.06 | |
2) | | Beginning of the Month Finance Charge Receivables: | | $ | 676,337,352.20 | |
3) | | Beginning of the Month AMF Receivables : | | $ | 77,620,429.71 | |
4) | | Beginning of the Month Discounted Receivables: | | $ | 0.00 | |
5) | | Beginning of the Month Total Receivables: | | $ | 37,165,806,887.97 | |
| | | | | |
6) | | Removed Principal Receivables: | | $ | 0.00 | |
7) | | Removed Finance Charge Receivables: | | $ | 0.00 | |
8) | | Removed AMF Receivables | | $ | 0.00 | |
9) | | Removed Total Receivables: | | $ | 0.00 | |
| | | | | |
10) | | Additional Principal Receivables: | | $ | 0.00 | |
11) | | Additional Finance Charge Receivables: | | $ | 0.00 | |
12) | | Additional AMF Receivables | | $ | 0.00 | |
13) | | Additional Total Receivables: | | $ | 0.00 | |
| | | | | |
14) | | Discounted Receivables Generated this Period: | | $ | 0.00 | |
| | | | | |
15) | | End of the Month Principal Receivables: | | $ | 36,556,269,056.47 | |
16) | | End of the Month Finance Charge Receivables: | | $ | 655,620,550.63 | |
17) | | End of the Month AMF Receivables | | $ | 81,781,490.36 | |
18) | | End of the Month Discounted Receivables: | | $ | 0.00 | |
19) | | End of the Month Total Receivables: | | $ | 37,293,671,097.46 | |
| | | | | |
20) | | Excess Funding Account Balance | | $ | 0.00 | |
21) | | Adjusted Invested Amount of all Master Trust Series | | $ | 32,288,796,166.56 | |
| | | | | |
22) | | End of the Month Seller Percentage | | 11.67 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: November 2005
| | | | ACCOUNTS | | RECEIVABLES | |
1) | | End of the Month Delinquencies: | | | | | |
| | 2) | 30 - 59 days delinquent | | 391,629 | | $ | 449,359,048.08 | |
| | 3) | 60 - 89 days delinquent | | 250,288 | | $ | 301,174,748.90 | |
| | 4) | 90+ days delinquent | | 525,801 | | $ | 660,000,993.40 | |
| | | | | | | | |
| | 5) | Total 30+ days delinquent | | 1,167,718 | | $ | 1,410,534,790.38 | |
| | 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables | | | | 3.78 | % |
| | | | | | | |
7) | | Defaulted Accounts during the Month | | 173,874 | | $ | 143,274,565.45 | |
| | | | | | | |
8) | | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables | | | | 4.72 | % |
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: November 2005
| | | | COLLECTIONS | | PERCENTAGES | |
1) | | Total Collections and Gross Payment Rate** | | $ | 6,463,291,585.24 | | 17.39 | % |
| | | | | | | |
2) | | Collections of Principal Receivables and Principal Payment Rate | | $ | 5,837,956,946.30 | | 16.03 | % |
| | | | | | | |
| | 3) | Prior Month Billed Finance Charges and Fees | | $ | 432,318,355.88 | | | |
| | 4) | Amortized AMF Income | | $ | 40,919,578.14 | | | |
| | 5) | Interchange Collected | | $ | 98,761,144.85 | | | |
| | 6) | Recoveries of Charged Off Accounts | | $ | 59,583,235.19 | | | |
| | 7) | Collections of Discounted Receivables | | $ | 0.00 | | | |
| | | | | | | | |
| | 8) | Collections of Finance Charge Receivables and Annualized Yield | | $ | 631,582,314.06 | | 20.81 | % |
Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: November 2005
1) | | Beginning Unamortized AMF Balance | | | | $ | 212,789,415.29 | |
| | 2) | + AMF Slug | | $ | 0.00 | | | |
| | 3) | + AMF Collections | | $ | 34,671,903.02 | | | |
| | 4) | - Amortized AMF Income | | $ | 40,919,578.14 | | | |
5) | | Ending Unamortized AMF Balance | | | | $ | 206,541,740.17 | |
**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables
