EX-20.1 3 w84279exv20w1.txt FEBRUARY PERFORMANCE SUMMARY . . . 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 Page 7 of 57
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. Page 8 of 57