CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : NOVEMBER 2002
Beginning of the Month Principal Receivables : 25,494,596,568.29
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Beginning of the Month Finance Charge Receivables : 902,280,084.16
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Beginning of the Month Discounted Receivables : 0.00
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Beginning of the Month Total Receivables : 26,396,876,652.45
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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 : 2,639,193,533.50
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Additional Finance Charge Receivables : 38,509,678.54
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Additional Total Receivables :
------------------------
Discounted Receivables Generated this Period 0.00
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End of the Month Principal Receivables : 27,754,578,131.38
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End of the Month Finance Charge Receivables : 925,751,201.24
------------------------
End of the Month Discounted Receivables : 0.00
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End of the Month Total Receivables : 28,680,329,332.62
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Excess Funding Account Balance 0.00
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Adjusted Invested Amount of all Master Trust Series 23,760,382,688.82
------------------------
End of the Month Seller Percentage 14.39%
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : NOVEMBER 2002 ACCOUNTS RECEIVABLES
-------- -----------
End of the Month Delinquencies :
30 - 59 Days Delinquent 435,179.00 482,664,022.49
---------------------- ------------------------
60 - 89 Days Delinquent 294,595.00 345,063,594.60
---------------------- ------------------------
90 + Days Delinquent 635,275.00 780,759,055.21
---------------------- ------------------------
Total 30 + Days Delinquent 1,365,049.00 1,608,486,672.30
---------------------- ------------------------
Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.61%
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Defaulted Accounts During the Month 202,398.00 161,215,303.83
---------------------- ------------------------
Annualized Default Rate as a Percent of Beginning of the Month Principal
Receivables 6.88%
------------------------
* See note on last page of the report
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : NOVEMBER 2002 COLLECTIONS PERCENTAGES
----------- -----------
Total Collections and Gross Payment Rate 4,710,376,273.65 16.20%
---------------------- ------------------------
Collections of Principal Receivables and Principal Payment Rate 4,221,800,097.46 15.01%
---------------------- ------------------------
Prior Month Billed Finance Charge and Fees 377,656,111.77
----------------------
Amortized AMF Income 28,421,049.83
----------------------
Interchange Collected 50,643,935.02
----------------------
Recoveries of Charged Off Accounts 36,191,996.06
----------------------
Collections of Discounted Receivables 0.00
----------------------
Collections of Finance Charge Receivables and Annualized Yield 492,913,092.68 21.02%
---------------------- ------------------------
CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : NOVEMBER 2002
Beginning Unamortized AMF Balance 144,312,453.25
------------------------
+ AMF Slug for Added Accounts 5,352,414.13
----------------------
+ AMF Collections 24,084,133.34
----------------------
- - Amortized AMF Income 28,421,049.83
----------------------
Ending Unamortized AMF Balance 145,327,950.89
------------------------
/s/ Tom Feil
--------------------------
Tom Feil
Director, Capital Markets
*For calculation purposes Beginning of Month Principal Receivables includes
Additional Principal Receivables.
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