CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : JULY 2002
Beginning of the Month Principal Receivables : 25,339,645,936.02
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Beginning of the Month Finance Charge Receivables : 851,275,026.97
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Beginning of the Month Discounted Receivables : 0.00
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Beginning of the Month Total Receivables : 26,190,920,962.99
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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 : 742,732,990.83
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Additional Finance Charge Receivables : 30,661,010.67
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Additional Total Receivables :
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Discounted Receivables Generated this Period 0.00
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End of the Month Principal Receivables : 25,993,139,965.42
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End of the Month Finance Charge Receivables : 885,999,700.95
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End of the Month Discounted Receivables : 0.00
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End of the Month Total Receivables : 26,879,139,666.37
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Excess Funding Account Balance 0.00
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Adjusted Invested Amount of all Master Trust Series 23,088,229,049.00
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End of the Month Seller Percentage 11.18%
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : JULY 2002
ACCOUNTS RECEIVABLES
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End of the Month Delinquencies:
30 - 59 Days Delinquent 471,218.00 463,290,633.16
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60 - 89 Days Delinquent 311,309.00 319,415,595.49
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90 + Days Delinquent 540,307.00 611,361,353.36
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Total 30 + Days 1,322,834.00 1,394,067,582.01
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Delinquent
Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.19%
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Defaulted Accounts During the Month 171,778.00 119,374,244.39
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 5.49%
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* See note on last page of the report
CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : JULY 2002
COLLECTIONS PERCENTAGES
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Total Collections and Gross Payment Rate 4,340,743,766.94 16.10%
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COLLECTIONS PERCENTAGES
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Collections of Principal Receivables and Principal Payment Rate 3,861,195,808.32 14.80%
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Prior Month Billed Finance Charge and Fees 370,936,078.41
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Amortized AMF Income 29,878,313.72
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Interchange Collected 52,422,482.00
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Recoveries of Charged Off Accounts 34,451,415.26
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Collections of Discounted Receivables 0.00
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Collections of Finance Charge Receivables and Annualized Yield 487,688,289.39 22.44%
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : JULY 2002
Beginning Unamortized AMF Balance 156,825,563.78
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+ AMF Slug for Added Accounts 2,521,510.28
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+ AMF Collections 21,737,982.95
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- - Amortized AMF Income 29,878,313.72
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Ending Unamortized AMF Balance 151,206,743.29
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/s/ Stuart Levy
----------------------------
Stuart Levy
Manager, Investor Reporting
*For calculation purposes Beginning of Month Principal Receivables includes
Additional Principal Receivables.
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