.
.
.
CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : FEBRUARY 2003
Beginning of the Month Principal Receivables : 27,758,078,698.35
------------------
Beginning of the Month Finance Charge Receivables : 918,063,986.95
------------------
Beginning of the Month Discounted Receivables : 0.00
------------------
Beginning of the Month Total Receivables : 28,676,142,685.30
------------------
Removed Principal Receivables : 0.00
------------------
Removed Finance Charge Receivables : 0.00
------------------
Removed Total Receivables : 0.00
------------------
Additional Principal Receivables : 538,936,880.04
------------------
Additional Finance Charge Receivables : 9,525,798.61
------------------
Additional Total Receivables : 548,462,678.65
------------------
Discounted Receivables Generated this Period 0.00
------------------
End of the Month Principal Receivables : 27,354,798,892.68
------------------
End of the Month Finance Charge Receivables : 863,589,923.69
------------------
End of the Month Discounted Receivables : 0.00
------------------
End of the Month Total Receivables : 28,218,388,816.37
------------------
Excess Funding Account Balance 0.00
------------------
Adjusted Invested Amount of all Master Trust Series 23,761,905,588.82
------------------
End of the Month Seller Percentage 13.13%
------------------
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : FEBRUARY 2003 ACCOUNTS RECEIVABLES
-------- -----------
End of the Month Delinquencies :
30 - 59 Days Delinquent 380,995.00 459,291,044.18
------------- ------------------
60 - 89 Days Delinquent 267,587.00 335,357,775.60
------------- ------------------
90 + Days Delinquent 556,721.00 750,347,941.58
------------- ------------------
Total 30 + Days Delinquent 1,205,303.00 1,544,996,761.36
------------- ------------------
Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.48%
------------------
Defaulted Accounts During the Month 190,186.00 163,524,578.80
------------- ------------------
Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 6.93%
------------------
* See note on last page of the report
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : FEBRUARY 2003 COLLECTIONS PERCENTAGES
----------- -----------
Total Collections and Gross Payment Rate 4,783,252,106.46 16.37%
----------------- ---------------
Collections of Principal Receivables and Principal Payment Rate 4,295,281,159.85 15.18%
----------------- ---------------
Prior Month Billed Finance Charge and Fees 367,735,709.81
-----------------
Amortized AMF Income 26,972,594.72
-----------------
Interchange Collected 46,618,276.08
-----------------
Recoveries of Charged Off Accounts 44,804,540.44
-----------------
Collections of Discounted Receivables 0.00
-----------------
Collections of Finance Charge Receivables and Annualized Yield 486,131,121.05 20.62%
----------------- ---------------
CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : FEBRUARY 2003
Beginning Unamortized AMF Balance 144,110,159.04
---------------
+ AMF Slug for Added Accounts 1,771,251.95
-----------------
+ AMF Collections 28,812,420.28
-----------------
- - Amortized AMF Income 26,972,594.72
-----------------
Ending Unamortized AMF Balance 147,721,236.55
---------------
/s/ Tom Feil
--------------------------------
Tom Feil
Director, Capital Markets
*FOR CALCULATION PURPOSES BEGINNING OF MONTH PRINCIPAL RECEIVABLES INCLUDES
ADDITIONAL PRINCIPAL RECEIVABLES.
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