Capital One Master Trust (RECEIVABLES)* |
| Exhibit 20.1 |
MONTHLY PERIOD: October 2007
1) |
| Beginning of the Month Principal Receivables: |
| $ | 44,514,624,712.98 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 931,145,376.75 |
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3) |
| Beginning of the Month AMF Receivables : |
| $ | 59,612,969.25 |
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4) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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5) |
| Beginning of the Month Total Receivables: |
| $ | 45,505,383,059.05 |
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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: |
| $ | 44,134,458,530.26 |
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16) |
| End of the Month Finance Charge Receivables: |
| $ | 947,833,269.62 |
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17) |
| End of the Month AMF Receivables |
| $ | 58,924,996.05 |
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18) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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19) |
| End of the Month Total Receivables: |
| $ | 45,141,216,795.93 |
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20) |
| Excess Funding Account Balance |
| $ | 0.00 |
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21) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 38,512,357,605.02 |
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22) |
| End of the Month Seller Percentage |
| 12.74 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: October 2007
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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 |
| 393,085 |
| $ | 621,800,678.67 |
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| 3) | 60 - 89 days delinquent |
| 274,029 |
| $ | 462,269,833.83 |
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| 4) | 90+ days delinquent |
| 574,935 |
| $ | 1,010,231,073.42 |
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| 5) | Total 30+ days delinquent |
| 1,242,049 |
| $ | 2,094,301,585.92 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.64 | % |
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7) |
| Defaulted Accounts during the Month |
| 163,646 |
| $ | 230,684,271.30 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.22 | % |
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*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: October 2007
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 8,806,124,056.51 |
| 19.35% |
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 7,900,393,008.71 |
| 17.75% |
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 676,583,182.16 |
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| 4) | Amortized AMF Income |
| $ | 32,219,808.14 |
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| 5) | Interchange Collected |
| $ | 128,071,921.39 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 73,866,738.50 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 910,741,650.19 |
| 24.55% |
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Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: October 2007
1) |
| Beginning Unamortized AMF Balance |
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| $ | 174,353,573.58 |
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| 2) | + AMF Slug |
| $ | 0.00 |
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| 3) | + AMF Collections |
| $ | 27,209,205.75 |
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| 4) | - Amortized AMF Income |
| $ | 32,219,808.14 |
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5) |
| Ending Unamortized AMF Balance |
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| $ | 169,342,971.19 |
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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