Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: December 2008
1) Beginning of the Month Principal Receivables: | $ | 46,844,690,398.72 | ||
2) Beginning of the Month Finance Charge Receivables: | $ | 981,696,141.44 | ||
3) Beginning of the Month AMF Receivables: | $ | 59,133,190.09 | ||
4) Beginning of the Month Discounted Receivables: | $ | 0.00 | ||
5) Beginning of the Month Total Receivables: | $ | 47,885,519,730.25 | ||
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: | $ | 0.00 | ||
11) Additional Finance Charge Receivables: | $ | 0.00 | ||
12) Additional AMF Receivables | $ | 0.00 | ||
13) Additional Total Receivables: | $ | 0.00 | ||
14) Discounted Receivables Generated this Period: | $ | 0.00 | ||
15) End of the Month Principal Receivables: | $ | 47,731,648,331.48 | ||
16) End of the Month Finance Charge Receivables: | $ | 972,554,931.29 | ||
17) End of the Month AMF Receivables | $ | 62,402,775.09 | ||
18) End of the Month Discounted Receivables: | $ | 0.00 | ||
19) End of the Month Total Receivables: | $ | 48,766,606,037.86 | ||
20) Excess Funding Account Balance | $ | 0.00 | ||
21) Adjusted Invested Amount of all Master Trust Series | $ | 37,461,746,405.54 | ||
22) End of the Month Seller Percentage | 21.52 | % | ||
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: December 2008
| ACCOUNTS | RECEIVABLES | |||||
1) End of the Month Delinquencies: | ||||||
2) 30 - 59 days delinquent | 318,988 | $ | 691,683,955.21 | |||
3) 60 - 89 days delinquent | 227,384 | $ | 540,154,974.48 | |||
4) 90+ days delinquent | 520,495 | $ | 1,299,055,226.80 | |||
5) Total 30+ days delinquent | 1,066,867 | $ | 2,530,894,156.49 | |||
6) Delinquencies 30 + Days as a Percent of End of the Month Total Receivables | 5.19 | % | ||||
7) Defaulted Accounts during the Month | 166,346 | $ | 333,069,264.37 | |||
8) Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables | 8.53 | % | ||||
| * | For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables |
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: December 2008
| COLLECTIONS | PERCENTAGES | ||||||
1) Total Collections and Gross Payment Rate** | $ | 8,203,910,186.64 | 17.13 | % | |||
2) Collections of Principal Receivables and Principal Payment Rate | $ | 7,364,924,876.66 | 15.72 | % | |||
3) Prior Month Billed Finance Charges and Fees | $ | 597,995,819.33 | |||||
4) Amortized AMF Income | $ | 25,507,540.24 | |||||
5) Interchange Collected | $ | 151,077,324.00 | |||||
6) Recoveries of Charged Off Accounts | $ | 64,432,146.38 | |||||
7) Collections of Discounted Receivables | $ | 0.00 | |||||
8) Collections of Finance Charge Receivables and Annualized Yield | $ | 839,012,829.95 | 21.49 | % | |||
| Capital One Master Trust (AMF COLLECTIONS) | |||||||
| MONTHLY PERIOD: December 2008 | |||||||
1) Beginning Unamortized AMF Balance | $ | 134,770,829.61 | |||||
2) + AMF Slug | $ | 0.00 | |||||
3) + AMF Collections | $ | 25,480,020.27 | |||||
4) - Amortized AMF Income | $ | 25,507,540.24 | |||||
5) Ending Unamortized AMF Balance | $ | 134,743,309.64 | |||||
| ** | Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables |
