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CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD: JANUARY 2000
Beginning of the Month Principal Receivables: 11,523,177,750.60
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Beginning of the Month Finance Charge Receivables: 414,989,785.96
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Beginning of the Month Discounted Receivables: 0.00
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Beginning of the Month Total Receivables: 11,938,167,536.56
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Removed Principal Receivables: 0.00
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Removed Finance Charge Receivables: 0.00
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Removed Total Receivables: 0.00
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Additional Principal Receivables: 0.00
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Additional Finance Charge Receivables: 0.00
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Additional Total Receivables: 0.00
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Discounted Receivables Generated this Period 0.00
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End of the Month Principal Receivables: 11,127,301,470.57
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End of the Month Finance Charge Receivables: 417,664,614.67
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End of the Month Discounted Receivables: 0.00
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End of the Month Total Receivables: 11,544,966,085.24
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Excess Funding Account Balance 0.00
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Adjusted Invested Amount of all Master Trust Series 9,832,976,677.68
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End of the Month Seller Percentage 11.63%
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: JANUARY 2000 ACCOUNTS RECEIVABLES
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End of the Month Delinquencies:
30 - 59 Days Delinquent 195,301.00 209,392,705.93
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60 - 89 Days Delinquent 113,287.00 134,100,082.29
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90 + Days Delinquent 209,247.00 270,181,940.30
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Total 30 + Days Delinquent 517,835.00 613,674,728.52
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.32%
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Defaulted Accounts During the Month 52,145.00 48,973,901.48
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 5.10%
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD: JANUARY 2000 COLLECTIONS PERCENTAGES
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Total Collections and Gross Payment Rate 1,821,786,749.41 15.26%
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Collections of Principal Receivables and Principal Payment Rate 1,578,524,712.34 13.70%
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Prior Month Billed Finance Charge and Fees 188,109,771.52
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Amortized AMF Income 15,812,895.54
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Interchange Collected 16,926,227.13
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Recoveries of Charged Off Accounts 15,438,819.68
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Collections of Discounted Receivables 0.00
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Collections of Finance Charge Receivables and Annualized Yield 236,287,713.87 24.61%
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD: JANUARY 2000
Beginning Unamortized AMF Balance 81,794,312.11
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+ AMF Slug for Added Accounts 0.00
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+ AMF Collections 22,787,218.74
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- - Amortized AMF Income 15,812,895.54
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Ending Unamortized AMF Balance 88,768,635.31
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/s/ Charles Kim
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Charles Kim
Securitization Manager
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