Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: January 2006
1) |
| Beginning of the Month Principal Receivables: |
| $ | 37,716,008,215.18 |
|
2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 663,423,822.60 |
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3) |
| Beginning of the Month AMF Receivables : |
| $ | 86,259,856.95 |
|
4) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
|
5) |
| Beginning of the Month Total Receivables: |
| $ | 38,465,691,894.73 |
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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: |
| $ | 1,046,441,093.68 |
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11) |
| Additional Finance Charge Receivables: |
| $ | 2,877,998.71 |
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12) |
| Additional AMF Receivables |
| $ | 1,167.00 |
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13) |
| Additional Total Receivables: |
| $ | 1,049,320,259.39 |
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14) |
| Discounted Receivables Generated this Period: |
| $ | 0.00 |
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15) |
| End of the Month Principal Receivables: |
| $ | 37,682,354,030.01 |
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16) |
| End of the Month Finance Charge Receivables: |
| $ | 661,046,997.03 |
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17) |
| End of the Month AMF Receivables |
| $ | 81,568,757.19 |
|
18) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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19) |
| End of the Month Total Receivables: |
| $ | 38,424,969,784.23 |
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20) |
| Excess Funding Account Balance |
| $ | 0.00 |
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21) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 32,796,410,546.66 |
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22) |
| End of the Month Seller Percentage |
| 12.97 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: January 2006
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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 |
| 393,905 |
| $ | 460,827,377.20 |
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|
| 3) | 60 - 89 days delinquent |
| 226,049 |
| $ | 288,617,553.41 |
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| 4) | 90+ days delinquent |
| 496,680 |
| $ | 667,092,669.92 |
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| 5) | Total 30+ days delinquent |
| 1,116,634 |
| $ | 1,416,537,600.53 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 3.69 | % | |
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7) |
| Defaulted Accounts during the Month |
| 150,985 |
| $ | 135,881,486.53 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
|
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| 4.21 | % |
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: January 2006
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 6,996,459,211.80 |
| 17.71 | % | |
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 6,329,174,590.52 |
| 16.33 | % | |
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 472,721,299.84 |
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| 4) | Amortized AMF Income |
| $ | 38,852,712.86 |
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| 5) | Interchange Collected |
| $ | 88,802,992.40 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 62,872,278.52 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 663,249,283.62 |
| 20.53 | % |
Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: January 2006
1) |
| Beginning Unamortized AMF Balance |
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|
| $ | 207,287,353.51 |
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| 2) | + AMF Slug |
| $ | 152.08 |
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| 3) | + AMF Collections |
| $ | 42,888,050.52 |
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| |
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| 4) | - Amortized AMF Income |
| $ | 38,852,712.86 |
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5) |
| Ending Unamortized AMF Balance |
|
|
| $ | 211,322,843.25 |
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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