Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: November 2008
1) | Beginning of the Month Principal Receivables: | $ | 46,028,371,133.47 | |||
2) | Beginning of the Month Finance Charge Receivables: | $ | 905,601,999.77 | |||
3) | Beginning of the Month AMF Receivables: | $ | 54,685,050.29 | |||
4) | Beginning of the Month Discounted Receivables: | $ | 0.00 | |||
5) | Beginning of the Month Total Receivables: | $ | 46,988,658,183.53 | |||
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: | $ | 505,933,652.89 | |||
11) | Additional Finance Charge Receivables: | $ | 5,409,176.46 | |||
12) | Additional AMF Receivables | $ | 130,400.17 | |||
13) | Additional Total Receivables: | $ | 511,473,229.52 | |||
14) | Discounted Receivables Generated this Period: | $ | 0.00 | |||
15) | End of the Month Principal Receivables: | $ | 46,844,690,398.72 | |||
16) | End of the Month Finance Charge Receivables: | $ | 981,696,141.44 | |||
17) | End of the Month AMF Receivables | $ | 59,133,190.09 | |||
18) | End of the Month Discounted Receivables: | $ | 0.00 | |||
19) | End of the Month Total Receivables: | $ | 47,885,519,730.25 | |||
20) | Excess Funding Account Balance | $ | 0.00 | |||
21) | Adjusted Invested Amount of all Master Trust Series | $ | 36,663,766,145.48 | |||
22) | End of the Month Seller Percentage | 21.73 | % | |||
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: November 2008
| ACCOUNTS | RECEIVABLES | |||||||
1) | End of the Month Delinquencies: | |||||||
2) 30 - 59 days delinquent | 305,825 | $ | 667,635,779.44 | |||||
3) 60 - 89 days delinquent | 232,225 | $ | 526,737,042.83 | |||||
4) 90+ days delinquent | 503,840 | $ | 1,223,573,138.19 | |||||
5) Total 30+ days delinquent | 1,041,890 | $ | 2,417,945,960.46 | |||||
6) Delinquencies 30 + Days as a Percent of End of the Month Total Receivables | 5.05 | % | ||||||
7) | Defaulted Accounts during the Month | 161,979 | $ | 307,579,489.16 | ||||
8) | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables | 7.93 | % | |||||
| * | For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables |
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: November 2008
| COLLECTIONS | PERCENTAGES | ||||||||
1) | Total Collections and Gross Payment Rate** | $ | 7,392,346,604.59 | 15.56 | % | ||||
2) | Collections of Principal Receivables and Principal Payment Rate | $ | 6,591,585,391.84 | 14.17 | % | ||||
3) Prior Month Billed Finance Charges and Fees | $ | 587,870,117.52 | |||||||
4) Amortized AMF Income | $ | 26,119,492.85 | |||||||
5) Interchange Collected | $ | 121,807,015.60 | |||||||
6) Recoveries of Charged Off Accounts | $ | 68,755,162.57 | |||||||
7) Collections of Discounted Receivables | $ | 0.00 | |||||||
8) Collections of Finance Charge Receivables and Annualized Yield | $ | 804,551,788.54 | 20.75 | % | |||||
Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: November 2008
| |||||||||
1) | Beginning Unamortized AMF Balance | $ | 138,340,479.43 | ||||||
2) + AMF Slug | $ | 220,925.97 | |||||||
3) + AMF Collections | $ | 22,328,917.06 | |||||||
4) - Amortized AMF Income | $ | 26,119,492.85 | |||||||
5) | Ending Unamortized AMF Balance | $ | 134,770,829.61 | ||||||
| ** | Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables |
