CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : APRIL 2002
Beginning of the Month Principal Receivables : 23,734,931,969.04
--------------------------
Beginning of the Month Finance Charge Receivables : 861,715,094.61
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Beginning of the Month Discounted Receivables : 0.00
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Beginning of the Month Total Receivables : 24,596,647,063.65
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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 : 770,450,115.87
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Additional Finance Charge Receivables : 7,958,011.76
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Additional Total Receivables :
--------------------------
Discounted Receivables Generated this Period 0.00
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End of the Month Principal Receivables : 24,346,637,603.93
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End of the Month Finance Charge Receivables : 849,681,304.24
--------------------------
End of the Month Discounted Receivables : 0.00
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End of the Month Total Receivables : 25,196,318,908.17
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Excess Funding Account Balance 0.00
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Adjusted Invested Amount of all Master Trust Series 20,721,504,049.00
--------------------------
End of the Month Seller Percentage 14.89%
--------------------------
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : APRIL 2002 ACCOUNTS RECEIVABLES
-------- -----------
End of the Month Delinquencies :
30 - 59 Days Delinquent 417,905.00 391,087,578.63
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60 - 89 Days Delinquent 253,616.00 254,693,353.84
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90 + Days Delinquent 574,760.00 600,980,742.11
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Total 30 + Days Delinquent 1,246,281.00 1,246,761,674.58
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 4.95%
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Defaulted Accounts During the Month 164,972.00 114,512,854.70
------------------------ --------------------------
Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 5.61%
--------------------------
* See note on last page of the report
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : APRIL 2002 COLLECTIONS PERCENTAGES
----------- -----------
Total Collections and Gross Payment Rate 4,020,405,035.88 15.84%
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Collections of Principal Receivables and Principal Payment Rate 3,566,437,806.32 14.55%
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Prior Month Billed Finance Charge and Fees 349,689,556.44
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Amortized AMF Income 31,949,773.02
------------------------
Interchange Collected 48,002,917.86
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Recoveries of Charged Off Accounts 35,696,331.84
------------------------
Collections of Discounted Receivables 0.00
------------------------
Collections of Finance Charge Receivables and Annualized Yield 465,338,579.16 22.79%
------------------------ --------------------------
CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : APRIL 2002
Beginning Unamortized AMF Balance 170,808,868.03
--------------------------
+ AMF Slug for Added Accounts 1,682,580.21
------------------------
+ AMF Collections 20,578,423.42
------------------------
- - Amortized AMF Income 31,949,773.02
------------------------
Ending Unamortized AMF Balance 161,120,098.64
--------------------------
/s/ Tom Feil
----------------------------
Tom Feil
Director of Securitization
*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables.
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