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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K

FOR ANNUAL AND TRANSITION REPORTS
PURSUANT TO SECTIONS 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

(Mark One)

ýANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2002.

or

oTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE ECURITIES EXCHANGE ACT OF 1934

For the transition period from            to

000-25762
(Commission File Number)

Capital One Funding, LLC, As Depositor

CAPITAL ONE MASTER TRUST
(Exact name of registrant as specified in its charter)

Delaware
(State or Other Jurisdiction of Incorporation of the Issuer)

54-1719855
(Registrant’s I.R.S. Employer Identification No.)

Capital One Funding, LLC
140 East Shore Drive,
Room 1048
Glen Allen, Virginia 23059
(804) 967-1000
(Address and Telephone Number of Principal Executive Offices)

11013 West Broad Street Road

Glen Allen, Virginia  23060

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

None

Securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934:

Class A Floating Rate Asset Backed Certificates, Series 1996-3

Class B Floating Rate Asset Backed Certificates, Series 1996-3

   Class A 6.310% Asset Backed Certificates, Series 1998-1

   Class B 6.356% Asset Backed Certificates, Series 1998-1

   Class A 5.43% Asset Backed Certificates, Series 1998-4

   Class A 6.763% Asset Backed Certificates, Series 2000-4

   Class A 6.6557% Asset Backed Certificates, Series 2000-5

   Class A 5.57% Asset Backed Certificates, Series 2001-2

Class A Floating Rate Asset Backed Certificates, Series 2001-4

2

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

ý Yes  o No

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.

Yes o No ý

Indicate by check mark whether the registrant is an accelerated filer (as defined in Exchange Act Rule 12b-2).

Yes o No ý

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter.  None

Registrant does not have any voting stock.

THE INDEX APPEARS ON PAGE 7

3

Part I

Item 1.Business

This Annual Report on Form 10-K (the “Report”) is filed with respect to Capital One Master Trust (the “Trust”), a trust formed pursuant to an Amended and Restated Pooling and Servicing Agreement, dated as of September 30, 1993, amended and restated as of August 1, 2002, between Capital One Funding, LLC as transferor and The Bank of New York, as trustee (the “Trustee”).  Certain information otherwise required to be included in this Report by the Instructions to Form 10-K has been omitted in reliance on the letter relief granted by the staff of the SEC to other companies in similar circumstances.

Item 2.Properties

Not applicable.

Item 3.Legal Proceedings

The registrant knows of no material pending legal proceedings with respect to the Trust, involving the Trust, the Trustee, the Trust Assets, the Servicer or Capital One Funding, LLC.

Item 4.Submission of Matters to a Vote of Security Holders

No matter was submitted to a vote of Certificateholders during the fiscal year covered by this Report.

Part II

Item 5.Market for Registrant’s Common Equity and Related Stockholder Matters

To the best knowledge of the registrant, there is no established public trading market for the Certificates.

(a)For purposes of this report, “Certificateholders” includes Class A Certificateholders, Class B Certificateholders, any holders of Class C Interest and holders of any Collateral Indebtedness Interest.

(b)Not Applicable.

Item 6.Selected Financial Data

Not applicable.

Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations

Not applicable.

Item 7A.                 Quantitative and Qualitative Disclosures About Market Risk.

Not applicable.

Item 8.Financial Statements and Supplementary Data

Not applicable.

Item 9.Changes in and Disagreements With Accountants on Accounting and Financial Disclosure

None.

Part III

Item 10.Directors and Executive Officers of the Registrant

Not applicable.

Item 11.Executive Compensation

Not applicable.

4

Item 12.Security Ownership of Certain Beneficial Owners and Management

(a)Not applicable.

(b)Not applicable.

(c)Not applicable.

Item 13.Certain Relationships and Related Transactions

(a)The registrant knows of no transaction or series of transactions during fiscal year 2002 or any currently proposed transaction or series of transactions, in an amount exceeding $60,000, involving the Trust in which any Certificateholder identified in Item 12(a) or any other beneficial owner of more than five percent of Certificates known to the registrant had or will have a direct or indirect material interest.  There are no persons of the types described in Item 404(a)(1), (2) and (4).

(b)Not applicable.

(c)Not applicable.

Item 14.Controls and Procedures

Not applicable.

Part IV

Item 15.Exhibits, Financial Statement Schedules, and Reports on Form 8-K

(a)(1)Not applicable.

(2)Not applicable.

(3)The exhibits filed in response to Item 601 of Regulation S-K are listed in the Exhibit Index.

(b)Reports on Form 8-K.

The following Current Reports on Form 8-K were filed by the registrant during the year ending December 31, 2002:

Date	Items Reported
January 28, 2002	Items 5 and 7
February 12, 2002	Items 5 and 7
March 12, 2002	Items 5 and 7
April 10, 2002	Items 5 and 7
April 18, 2002	Items 5 and 7
May 10, 2002	Items 5 and 7
May 15, 2002	Items 5 and 7
June 12, 2002	Items 5 and 7
June 13, 2002	Items 5 and 7
June 14, 2002	Items 5 and 7
July 10, 2002	Items 5 and 7
August 2, 2002	Items 9 and 7
August 8, 2002	Items 5 and 7
September 11, 2002	Items 5 and 7
October 9, 2002	Items 5 and 7
November 12, 2002	Items 5 and 7
November 12, 2002	Items 5 and 7
December 10, 2002	Items 5 and 7

(c)See subparagraph (a)(3) above.

(d)Not applicable.

5

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Capital One Master Trust
	(Registrant)
By:	Capital One Funding, LLC
	(Depositor)
By:	/s/ Stephen Linehan
	Stephen Linehan
	Chief Financial Officer

CERTIFICATIONS

I, Stephen Linehan, certify that:

1.I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of Capital One Master Trust;

2.Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;

3.Based on my knowledge, the distribution or servicing information required to be provided to the Trustee by the Servicer under the Pooling and Servicing Agreement, for inclusion in these reports is included in these reports;

4.Based on my knowledge and upon the annual compliance statement included in the reports and required to be delivered to the Trustee in accordance with the Pooling and Servicing Agreement, and except as disclosed in the reports, the Servicer has fulfilled its obligations under the Pooling and Servicing Agreement; and

5.The reports disclose all significant deficiencies relating to the Servicer’s compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the attestation standards established by the American Institute of Certified Public Accountants, as set forth in the Pooling and Servicing Agreement, that is included in these reports.

March 31, 2003	/s/ Stephen Linehan
		Stephen Linehan
		Chief Financial Officer
		Capital One Funding, LLC

6

	EXHIBIT INDEX
Exhibit 3.1	Amended and Restated Limited Liability Agreement of Capital One Funding, LLC dated as of July 31, 2002 (File No. 333-75276)*
Exhibit 3.2	Amended and Restated Pooling and Servicing Agreement (File No. 333-75276)*
Exhibit 99.0	Capital One Master Trust Aggregated Data for 2002.
Exhibit 99.1	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1996-2 Supplement.
Exhibit 99.2	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1996-3 Supplement.
Exhibit 99.3	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1997-1 Supplement.
Exhibit 99.4	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1997-2 Supplement.
Exhibit 99.5	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1998-1 Supplement.
Exhibit 99.6	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1998-4 Supplement.
Exhibit 99.7	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1999-1 Supplement.
Exhibit 99.8	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1999-2 Supplement.
Exhibit 99.9	Annual Certificateholders’ Statement required to be prepared pursuant to Series 1999-3 Supplement.
Exhibit 99.10	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2000-1 Supplement.
Exhibit 99.11	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2000-2 Supplement.
Exhibit 99.12	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2000-3 Supplement.
Exhibit 99.13	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2000-4 Supplement.
Exhibit 99.14	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2000-5 Supplement.
Exhibit 99.15	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-1 Supplement.
Exhibit 99.16	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-2 Supplement.

* Incorporated by Reference

7

Exhibit 99.17	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-3 Supplement.
Exhibit 99.18	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-4 Supplement.
Exhibit 99.19	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-5 Supplement.
Exhibit 99.20	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-6 Supplement.
Exhibit 99.21	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-7 Supplement.
Exhibit 99.22	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2001-8 Supplement.
Exhibit 99.23	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2002-1 Supplement.
Exhibit 99.24	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2002-2 Supplement.
Exhibit 99.25	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2002-3 Supplement.
Exhibit 99.26	Annual Certificateholders’ Statement required to be prepared pursuant to Series 2002-4 Supplement.
Exhibit 99.27	Annual Servicer’s Certificate for the Trust
Exhibit 99.28	Annual Report of Independent Public Accountants

8

EX-99.0

Exhibit 99.0

Capital One Master Trust Aggregated Data for 2002

Defaults	1,545,915,616.53
Total Collections	51,545,883,204.59
Collections of Principal Receivables	45,771,265,614.79
Collection of Finance Charge Receivables (includes amortization of annual membership fees)	5,836,838,973.73
Annual Servicing Fee Paid	412,547,357.60
Aggregate amount paid to Certificateholders allocable to principal	1,840,487,500.00
Class A Investor Charge-Offs	0.00
Class B Investor Charge-Offs	0.00
Class C Investor Charge-Offs	0.00

EX-99.1

Exhibit 99.1

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1996-2

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regardingdistributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during thepreceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	0.0000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $10,000 Original Principal Amount	0.0000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates	0.0000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates	0.0000000000
C)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $100,000 Original Principal Amount	0.0000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates	0.0000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates	0.0000000000
D)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1996-2 Investor Certificateholder’s Investment)	0.0000000000
E)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	1,001.8513888485
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	1.8513888485
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	1,000.0000000000
F)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1996-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.2

Exhibit 99.2

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1996-3

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.0838408500
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.0838408500
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1996-3 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.5171738182
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.5171738182
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1996-3 Investor Certificateholder’s Investment)	0.0000000000

EX-99.3

Exhibit 99.3

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1997-1

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	1,009.6416666804
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	9.6416666804
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	1,000.0000000000
B)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $10,000 Original Principal Amount	10,096.4166668040
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates	96.4166668040
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates	10,000.0000000000
C)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $100,000 Original Principal Amount	100,964.1666680400
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates	964.1666680400
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates	100,000.0000000000
D)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1997-1 Investor Certificateholder’s Investment)	0.0000000000
E)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	1,009.1519444330
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	9.1519444330
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	1,000.0000000000
F)  Class B Investor Charge Off's and Reimbursement of Charge Off's
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1997-1 Investor Certificateholder’s Investment)	0.0000000000

EX-99.4

Exhibit 99.4

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1997-2

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	1,015.0642229385
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	15.0642229385
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	1,000.0000000000
B)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $10,000 Original Principal Amount	10,150.6422293850
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates	150.6422293850
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates	10,000.0000000000
C)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $100,000 Original Principal Amount	101,506.4222938500
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates	1,506.4222938500
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates	100,000.0000000000
D)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1997-2 Investor Certificateholder’s Investment)	0.0000000000
E)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	1,012.6580903140
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	12.6580903140
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	1,000.0000000000
F)  Class B Investor Charge Off’s and Reimbursement of Charge Off's
1)The amount of Class B Investor Charge Off's	0.0000000000
2)The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1997-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.5

Exhibit 99.5

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1998-1

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)     The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	63.1000000800
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	63.1000000800
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1998-1 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	63.5599994243
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	63.5599994243
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1998-1 Investor Certificateholder’s Investment)	0.0000000000

EX-99.6

Exhibit 99.6

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1998-4

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	54.3000000950
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	54.3000000950
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1998-4 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	24.4574521667
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	24.4574521667
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series  1998-4 Investor Certificateholder’s Investment)	0.0000000000

EX-99.7

Exhibit 99.7

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1999-1

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.2866186200
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.2866186200
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-1 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.3143964800
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.3143964800
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-1 Investor Certificateholder’s Investment)	0.0000000000

EX-99.8

Exhibit 99.8

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1999-2

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	1,006.6069444400
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	6.6069444400
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	1,000.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-2 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	1,007.2069446400
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	7.2069446400
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	1,000.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-2 Investor Certificateholder's Investment)	0.0000000000

EX-99.9

Exhibit 99.9

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 1999-3

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	20.4018964000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	20.4018964000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-3 Investor Certificateholder’s Investment)	0.0000000000
5)The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	22.7338408000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	22.7338408000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-3 Investor Certificateholder’s Investment)	0.0000000000

EX-99.10

Exhibit 99.10

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2000-1

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	71.0000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	71.0000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-1 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	73.0000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	73.0000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-1 Investor Certificateholder’s Investment)	0.0000000000

EX-99.11

Exhibit 99.11

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2000-2

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	72.0000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	72.0000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-2 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	73.5000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	73.5000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-2 Investor Certificateholder's Investment)	0.0000000000

EX-99.12

Exhibit 99.12

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2000-3

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.7935630387
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.7935630387
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-3 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	23.0380075390
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	23.0380075390
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-3 Investor Certificateholder's Investment)	0.0000000000

EX-99.13

Exhibit 99.13

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2000-4

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)     The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.2866186197
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.2866186197
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-4 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.8213408611
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.8213408611
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-4 Investor Certificateholder's Investment)	0.0000000000

EX-99.14

Exhibit 99.14

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2000-5

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	18.8810630526
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	18.8810630526
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-5 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.6692575044
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.6692575044
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2000-5 Investor Certificateholder’s Investment)	0.0000000000

EX-99.15

Exhibit 99.15

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-1

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.8949519530
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.8949519530
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-1 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	23.0380075278
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	23.0380075278
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)     The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-1 Investor Certificateholder’s Investment)	0.0000000000

EX-99.16

Exhibit 99.16

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-2

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.2866186197
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.2866186197
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-2 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.9227297500
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.9227297500
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.17

Exhibit 99.17

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-3

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	54.5000000000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	54.5000000000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	22.0241185502
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	22.0241185502
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000

EX-99.18

Exhibit 99.18

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-4

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	18.6782852699
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	18.6782852699
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-4 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.6185631000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.6185631000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000

EX-99.19

Exhibit 99.19

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-5

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	52.9999999803
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	52.9999999803
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-5 Investor Certificateholder’s Investment)	0.0000000000
5)The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	21.7199519695
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	21.7199519695
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-5 Investor Certificateholder’s Investment)	0.0000000000

EX-99.20

Exhibit 99.20

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-6

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.7935630657
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.7935630657
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-6 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	22.9366186709
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	22.9366186709
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-6 Investor Certificateholder’s Investment)	0.0000000000

EX-99.21

Exhibit 99.21

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-7

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	38.5000000197
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	38.5000000197
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-7 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	22.4296740627
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	22.4296740627
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-7 Investor Certificateholder’s Investment)	0.0000000000

EX-99.22

Exhibit 99.22

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2001-8

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	46.0000000197
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	46.0000000197
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-8 Investor Certificateholder’s Investment)	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	23.4435629516
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	23.4435629516
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-7 Investor Certificateholder’s Investment)	0.0000000000

EX-99.23

Exhibit 99.23

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2002-1

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	19.6575908255
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	19.6575908255
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000
5)The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	23.6798130000
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	23.6798130000
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.24

Exhibit 99.24

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2002-2

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	14.1093963941
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	14.1093963941
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000
5)The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	17.2943963172
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	17.2943963172
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.25

Exhibit 99.25

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2002-3

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	12.5413408328
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	12.5413408328
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000
5)The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	31.0916666667
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	31.0916666667
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.26

Exhibit 99.26

2002 ANNUAL CERTIFICATEHOLDER’S STATEMENT

CAPITAL ONE MASTER TRUST

SERIES 2002-4

Under the Amended and Restated Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee (the “Trustee”), Capital One Bank as Servicer is required to prepare certain information regarding distributions to Certificateholders.  The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below.  Certain information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a “Certificate”).  Capitalized terms used in this Certificate have their respective meanings set forth in the Amended and Restated Pooling and Servicing Agreement.

A)  Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class A Certificateholders per $1,000 Original Principal Amount	29.6722222222
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount	29.6722222222
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount	0.0000000000
B)  Class A Investor Charge Off’s and Reimbursement of Charge Off’s (Stated on the Basis of $10,000 Original Principal Amount)
1)The amount of Class A Investor Charge Off’s	0.0000000000
2)The amount of Class A Investor Charge Off’s set forth in paragraph 1 above, per $1,000 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class A Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-3 Investor Certificateholder’s Investment)	0.0000000000
5)The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
C)  Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount.	13.5846740627
2)The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount.	13.5846740627
3)The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount.	0.0000000000
D)  Class B Investor Charge Off’s and Reimbursement of Charge Off’s
1)The amount of Class B Investor Charge Off’s	0.0000000000
2)The amount of Class B Investor Charge Off’s set forth in paragraph 1 above, per $1,001 Original Principal Amount	0.0000000000
3)The total amount reimbursed to the Trust in respect of Class B Investor Charge Off’s	0.0000000000
4)The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 2001-2 Investor Certificateholder’s Investment)	0.0000000000

EX-99.27

Exhibit 99.27

ANNUAL SERVICER’S CERTIFICATE

CAPITAL ONE BANK

CAPITAL ONE MASTER TRUST

The undersigned, a duly authorized representative of Capital One Bank (the “Bank”), as Servicer, pursuant to the Amended and Restated Pooling and Servicing Agreement, dated as of September 30, 1993, as amended and restated as of August 1, 2002 (as amended and supplemented, the “Agreement”), among the Bank, as Servicer, Capital One Funding, LLC, as Transferor, and The Bank of New York, as Trustee, does hereby certify that:

1.The Bank is, as of the date hereof, the Servicer under the Agreement.  Capitalized terms used in this Certificate have their respective meanings as set forth in the Agreement.

2.The undersigned is a Servicing Officer who is duly authorized pursuant to the Agreement to execute and deliver this Certificate to the Trustee.

3.A review of the activities of the Servicer during the calendar year ended December 31, 2002, and of its performance under the Agreement, was conducted under my supervision.

4.Based on such review, the Servicer has, to the best of my knowledge, performed in all material respects its obligations under the Agreement throughout such year and no default in the performance of such obligations has occurred or is continuing except as set forth in the Paragraph 5 below.

5.The following is a description of each default in the performance of the Servicer’s obligations under the provisions of the Agreement known to me to have been made by the Servicer during the year ended December 31, 2002, which sets forth in detail (i) the nature of each such default, (ii) the action taken by the Servicer, if any, to remedy each such default and (iii) the current status of each such default:

None.

IN WITNESS WHEREOF, the undersigned has duly executed this Annual Servicer’s Certificate this 31st day of March, 2003.

CAPITAL ONE BANK
		as Servicer
By:	/s/ Thomas A. Feil
Name:			Thomas A. Feil
Title:			Director of Capital Markets

EX-99.28

Exhibit 99.28

Report of Independent Accountants

Capital One Bank

11013 West Broad Street

Glen Allen, Virginia  23060

and

The Bank of New York

101 Barclay Street

Corporate Trust Dept.

New York, NY  10286

Capital One Master Trust

We have examined management’s assertion, included in the accompanying Report of Management on Compliance, that Capital One Bank (the “Bank”), a wholly-owned subsidiary of Capital One Financial Corporation, complied with the requirements of Sections 3.02, 3.04, 3.09, 4.02, 4.03, 4.04, 4.05 and 8.08 of the Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 between Capital One Funding, LLC, Capital One Bank, and The Bank of New York (collectively, the “Agreement”), and Article IV of the supplements to the Agreement relating to Series 1996-2, 1996-3, 1997-1, 1997-2, 1998-1, 1998-4, 1998-5, 1998-6, 1999-1, 1999-2, 1999-3, 1999-4, 1999-A, 2000-1, 2000-2, 2000-3, 2000-4, 2000-5, 2001-1, 2001-2, 2001-3, 2001-4, 2001-5, 2001-6, 2001-7, 2001-8, 2001-A 2002-1, 2002-2, 2002-3, 2002-4, 2002-A, 2002-B, and 2002-CC (collectively, the “Supplements”), for the year ended December 31, 2002.  Management is responsible for the Bank’s compliance with those requirements.  Our responsibility is to express an opinion on management’s assertion about the Bank’s compliance based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Bank’s compliance with those requirements and performing such other procedures as we considered necessary in the circumstances.  We believe that our examination provides a reasonable basis for our opinion.  Our

examination does not provide a legal determination on the Bank’s compliance with specified requirements.

In our opinion, management’s assertion that the Bank complied with the requirements of the sections of the Agreement and the provisions of the Supplements to the Agreement referred to in the first paragraph above, for the year ended December 31, 2002 is fairly stated, in all material respects.

This report is intended solely for the information and use of Capital One Funding, LLC, Capital One Bank, and The Bank of New York and is not intended to be and should not be used by anyone other than these specified parties.  However, this report is a matter of public record and its distribution is not limited.

/s/ Ernst & Young LLP

Ernst & Young LLP

March 31, 2003

2

Report of Management on Compliance

We, as members of management of Capital One Bank (the “Bank”), a wholly-owned subsidiary of Capital One Financial Corporation, are responsible for complying with the requirements of Sections 3.02, 3.04, 3.09, 4.02, 4.03, 4.04, 4.05 and 8.08 of the Pooling and Servicing Agreement dated as of September 30, 1993, as amended and restated as of August 1, 2002 between Capital One Funding, LLC, Capital One Bank, and The Bank of New York (collectively, the “Agreement”), Article IV of the supplements to the Agreement relating to Series 1996-2, 1996-3, 1997-1, 1997-2, 1998-1, 1998-4, 1998-5, 1998-6, 1999-1, 1999-2, 1999-3, 1999-4, 1999-A, 2000-1, 2000-2, 2000-3, 2000-4, 2000-5, 2001-1, 2001-2, 2001-3, 2001-4, 2001-5, 2001-6, 2001-7, 2001-8, 2001-A, 2002-1, 2002-2, 2002-3, 2002-4, 2002-A, 2002-B, and 2002-CC.  We also are responsible for establishing and maintaining effective internal control over compliance with the requirements referred to in the preceding sentence.

We have performed an evaluation of the Bank’s compliance with the requirements of Sections 3.02, 3.04, 3.09, 4.02, 4.03, 4.04, 4.05 and 8.08 of the Agreement and Article IV of the supplements to the Agreement relating to Series 1996-2, 1996-3, 1997-1, 1997-2, 1998-1, 1998-4, 1998-5, 1998-6, 1999-1, 1999-2, 1999-3, 1999-4, 1999-A, 2000-1, 2000-2, 2000-3, 2000-4, 2000-5, 2001-1, 2001-2, 2001-3, 2001-4, 2001-5, 2001-6, 2001-7, 2001-8, 2001-A, 2002-1, 2002-2, 2002-3, 2002-4, 2002-A, 2002-B, and 2002-CC as of December 31, 2002 and for the year then ended.  Based on this evaluation, we assert that for the year ended December 31, 2002, the Bank complied with the requirements of the sections in the Agreement and each supplement to the Agreement referred to above.

/s/ Richard D. Fairbank	/s/ Nigel W. Morris	/s/ David R. Lawson
Richard D. Fairbank	Nigel W. Morris	David R. Lawson
Chairman and Chief	President and Chief	Senior Vice President,
Executive Officer,	Operating Officer	Chief Financial Officer
Capital One Bank	Capital One Bank	Capital One Bank

March 31, 2003