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