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 | |
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 | |
| | | | | |
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: | | $ | 1,046,441,093.68 | |
11) | | Additional Finance Charge Receivables: | | $ | 2,877,998.71 | |
12) | | Additional AMF Receivables | | $ | 1,167.00 | |
13) | | Additional Total Receivables: | | $ | 1,049,320,259.39 | |
| | | | | |
14) | | Discounted Receivables Generated this Period: | | $ | 0.00 | |
| | | | | |
15) | | End of the Month Principal Receivables: | | $ | 37,682,354,030.01 | |
16) | | End of the Month Finance Charge Receivables: | | $ | 661,046,997.03 | |
17) | | End of the Month AMF Receivables | | $ | 81,568,757.19 | |
18) | | End of the Month Discounted Receivables: | | $ | 0.00 | |
19) | | End of the Month Total Receivables: | | $ | 38,424,969,784.23 | |
| | | | | |
20) | | Excess Funding Account Balance | | $ | 0.00 | |
21) | | Adjusted Invested Amount of all Master Trust Series | | $ | 32,796,410,546.66 | |
| | | | | |
22) | | End of the Month Seller Percentage | | 12.97 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: January 2006
| | | | ACCOUNTS | | RECEIVABLES | |
| | | | | | | |
1) | | End of the Month Delinquencies: | | | | | |
| | 2) | 30 - 59 days delinquent | | 393,905 | | $ | 460,827,377.20 | |
| | 3) | 60 - 89 days delinquent | | 226,049 | | $ | 288,617,553.41 | |
| | 4) | 90+ days delinquent | | 496,680 | | $ | 667,092,669.92 | |
| | | | | | | | |
| | 5) | Total 30+ days delinquent | | 1,116,634 | | $ | 1,416,537,600.53 | |
| | 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables | | | | 3.69 | % |
| | | | | | | |
7) | | Defaulted Accounts during the Month | | 150,985 | | $ | 135,881,486.53 | |
| | | | | | | |
8) | | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables | | | | 4.21 | % |
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: January 2006
| | | | COLLECTIONS | | PERCENTAGES | |
| | | | | | | |
1) | | Total Collections and Gross Payment Rate** | | $ | 6,996,459,211.80 | | 17.71 | % |
| | | | | | | |
2) | | Collections of Principal Receivables and Principal Payment Rate | | $ | 6,329,174,590.52 | | 16.33 | % |
| | | | | | | |
| | 3) | Prior Month Billed Finance Charges and Fees | | $ | 472,721,299.84 | | | |
| | 4) | Amortized AMF Income | | $ | 38,852,712.86 | | | |
| | 5) | Interchange Collected | | $ | 88,802,992.40 | | | |
| | 6) | Recoveries of Charged Off Accounts | | $ | 62,872,278.52 | | | |
| | 7) | Collections of Discounted Receivables | | $ | 0.00 | | | |
| | | | | | | | |
| | 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 | | | | $ | 207,287,353.51 | |
| | 2) | + AMF Slug | | $ | 152.08 | | | |
| | 3) | + AMF Collections | | $ | 42,888,050.52 | | | |
| | 4) | - Amortized AMF Income | | $ | 38,852,712.86 | | | |
5) | | Ending Unamortized AMF Balance | | | | $ | 211,322,843.25 | |
**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables
