10-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 10-K

(Mark One)

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

For the fiscal year ended December 31, 2003

or

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

For the transition period from                        to                       

Commission file number 000-25762

Capital One Funding, LLC, as Depositor

on behalf of

CAPITAL ONE MASTER TRUST

(Exact name of registrant as specified in its charter)

New York	Not applicable
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)
c/o Capital One Funding, LLC 140 East Shore Drive Room 1048 Glen Allen, Virginia	23059
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (804) 967-1000

Securities registered pursuant to Section 12(b) of the Act:  None.

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

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

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

Class A Floating Rate Asset Backed Certificates, Series 2000-4

Class A Floating Rate Asset Backed Certificates, Series 2001-2

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

(Title of Class)

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.  Yes  ý*   No  ¨

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K 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. ý

Indicate by check mark whether the registrant is an accelerated filer (as defined in Exchange Act Rule 12b-2).  Yes  ¨   No  ý

State the aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant 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.

Registrant does not have any voting or non-voting common equity.

Documents incorporated by reference: None.

* On August 24, 1995, Sears Receivables Financing Group, Inc., as originator of Sears Credit Account Master Trust II, was issued a no-action letter (“No-Action Letter”) by the Securities and Exchange Commission with respect to certain of the registrant’s reporting requirements pursuant to Section 13 or 15(d) of the Act.  This Form 10-K has been prepared in accordance with the terms of the No-Action Letter.

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 (the “Pooling and Servicing Agreement”), amended and restated as of August 1, 2002, among Capital One Funding, LLC, as transferor, Capital One Bank, as servicer, and The Bank of New York, as trustee (the “Trustee”).  Capitalized terms not defined in this Report have the meaning assigned to them in the Pooling and Servicing Agreement.

Item 2.Properties.

Omitted pursuant to the No-Action Letter.

Item 3.Legal Proceedings.

The registrant knows of no material pending legal proceedings with respect to the Trust, involving the Trust, the Trustee (in its capacity as such), the Trust’s assets, Capital One Bank (in its capacity as servicer) or Capital One Funding, LLC, other than routine litigation incidental to the business of the Trust, the Trustee (in its capacity as such), Capital One Bank (in its capacity as servicer) or Capital One Funding, LLC.

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

None.

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 Investor Certificates.

Each publicly-offered class of the Trust’s Investor Certificates is delivered and held in book-entry form through the facilities of The Depository Trust Company (“DTC”), a “clearing agency” registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended.  Each publicly-offered class of the Trust’s Investor Certificates is represented by one or more certificates registered in the name of Cede & Co. (“Cede”), the nominee of DTC.

Item 6.Selected Financial Data.

Omitted pursuant to the No-Action Letter.

Page 2 of 45

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

Omitted pursuant to the No-Action Letter.

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

Not applicable.

Item 8.Financial Statements and Supplementary Data.

Omitted pursuant to the No-Action Letter.

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

None.

Item 9A.Controls and Procedures.

Not applicable.

PART III

Item 10.Directors and Executive Officers of the Registrant.

Omitted pursuant to the No-Action Letter.

Item 11.Executive Compensation.

Omitted pursuant to the No-Action Letter.

Item 12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.

Each publicly-offered class of Investor Certificates is represented by one or more certificates registered in the name of Cede, the nominee of DTC, and an investor holding an interest in such class of Investor Certificates is not entitled to receive a certificate representing such interest except in limited circumstances set forth in the Pooling and Servicing Agreement.  Accordingly, Cede is the sole holder of record of such Investor Certificates, which it holds on behalf of brokers, dealers, banks, and other direct participant in the DTC system.  Such direct participants may hold the investor certificates for their own accounts or for the accounts of their customers.  The name and address of Cede is Cede & Co., c/o The Depository Trust Company, 55 Water Street, New York, NY  10041.

Page 3 of 45

Capital One Funding, LLC owns 100% of the Transferor Certificate, which represents beneficial ownership of a residual interest in the assets of the Trust as provided in the Pooling and Servicing Agreement.

Item 13.Certain Relationships and Related Transactions.

The registrant knows of no transaction or series of transactions during the most recently completed fiscal year, or any currently proposed transaction or series of transactions, in an amount exceeding $60,000, involving the Trust in which any Investor Certificateholder identified in Item 12 above or any other beneficial owner of more than five percent of Investor Certificates known to the registrant had or will have a direct or indirect material interest.

Item 14.Principal Accounting Fees and Services.

Not applicable.

PART IV

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

(a)(1)Omitted pursuant to the No-Action Letter.

(2)Omitted pursuant to the No-Action Letter.

(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, or otherwise relating to, 2003:

Date	Items Reported
January 9, 2003	Items 5 and 7
February 11, 2003	Items 5 and 7
March 10, 2003	Items 5 and 7
April 10, 2003	Items 5 and 7
May 12, 2003	Items 5 and 7
May 16, 2003	Items 5 and 7
June 11, 2003	Items 5 and 7
July 10, 2003	Items 5 and 7
August 11, 2003	Items 5 and 7
August 12, 2003	Items 5 and 7
August 15, 2003	Items 5 and 7
September 10, 2003	Items 5 and 7
September 11, 2003	Items 5 and 7
September 23, 2003	Items 5 and 7
October 1, 2003	Items 5 and 7
October 10, 2003	Items 5 and 7
October 17, 2003	Items 5 and 7

Page 4 of 45

November 3, 2003	Items 5 and 7
November 10, 2003	Items 5 and 7
November 14, 2003	Items 5 and 7
December 3, 2003	Items 5 and 7
December 10, 2003	Items 5 and 7
January 6, 2004	Items 5 and 7
January 12, 2004	Items 5 and 7

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

(d)Omitted pursuant to the No-Action Letter.

Page 5 of 45

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
	President

Date: March 30, 2004

Page 6 of 45

EXHIBIT INDEX

Exhibit No.

31.1Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant rules and regulations of the Securities and Exchange Commission.

99.0Capital One Master Trust Aggregated Data for 2003.

99.12003 Annual Certificateholders’ Statements prepared by the Servicer.

(a)Series 1998-1

(b)Series 1999-1

(c)Series 1999-3

(d)Series 2000-2

(e)Series 2000-3

(f)Series 2000-4

(g)Series 2001-1

(h)Series 2001-2

(i)Series 2001-3

(j)Series 2001-4

(k)Series 2001-5

(l)Series 2001-6

(m)Series 2001-7

(n)Series 2001-8

(o)Series 2002-1

(p)Series 2002-2

(q)Series 2002-3

(r)Series 2002-4

99.2Annual Independent Accountants’ Report pursuant to Section 3.06 of the Pooling and Servicing Agreement.

99.3Report of Management on Compliance.

99.4Annual Statement of Compliance from the Servicer.

Page 7 of 45

EX-31.1

Exhibit 31.1

CERTIFICATION

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, or similar, 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 report and required to be delivered to the trustee in accordance with the terms of the pooling and servicing, or similar, agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under the 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 Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement, that is included in these reports.

Date: March 30, 2004

/s/ Stephen Linehan
Name:	Stephen Linehan
Title:	President of Capital One Funding, LLC

Page 8 of 45

EX-99.0

Exhibit 99.0

Capital One Master Trust Aggregated Data for 2003

Defaults	2,022,486,778.55
Total Collections	61,186,632,547.10
Collections of Principal Receivables	55,062,769,160.46
Collection of Finance Charge Receivables (includes amortization of annual membership fees)	6,166,029,363.26
Annual Servicing Fee Paid	430,517,871.91
Aggregate amount paid to Certificateholders allocable to principal*	4,959,710,144.93
Class A Investor Charge-Offs	0.00
Class B Investor Charge-Offs	0.00
Class C Investor Charge-Offs	0.00

* Aggregate amount paid to Certificateholders allocable to principal includes a principal distribution of $250,000,000 made on 01/15/03, which relates to the December 2002 monthly period.

Page 9 of 45

EX-99.1(A)

Exhibit 99.1 (a)

2003 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 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
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.	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

Page 10 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Class C Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Class C Certificateholders per $1,000 Original Principal Amount.	21.9088060066
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class C Certificates, per $1,000 Original Principal Amount.	21.9088060066
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class C Certificates, per $1,000 Original Principal Amount.	0.0000000000
F)  Class C Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Class C Investor Charge Off’s	0.0000000000
2)	The amount of Class C 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 C 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
5)	The amount, if any, by which the outstanding principal balance of the Class C Certificates exceeds the Class C Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
G) The Available Cash Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to		9,456,265
H) The Required Cash Collateral Amount as of the close of business on the current Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such Distribution Date, will be equal to		9,456,265

Page 11 of 45

EX-99.1(B)

Exhibit 99.1 (b)

2003 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 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	13.6963063800
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	13.6963063800
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
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.	15.7240843200
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.	15.7240843200
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

Page 12 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	66.0000000000
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	66.0000000000
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 13 of 45

EX-99.1(C)

Exhibit 99.1 (c)

2003 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 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	14.8115841750
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	14.8115841750
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.	17.1435286000
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.	17.1435286000
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

Page 14 of 45

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 1999-3 Investor Certificateholder’s Investment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	72.4999992000
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	72.4999992000
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 15 of 45

EX-99.1(D)

Exhibit 99.1 (d)

2003 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 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
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.	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

Page 16 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	78.0000000000
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	78.0000000000
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 17 of 45

EX-99.1(E)

Exhibit 99.1 (e)

2003 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 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	14.2032508483
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	14.2032508483
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
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.	17.4476951351
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.	17.4476951351
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

Page 18 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	78.9999996000
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	78.9999996000
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 19 of 45

EX-99.1(F)

Exhibit 99.1 (f)

2003 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 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	13.6963064000
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	13.6963064000
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
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.	16.2310285833
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.	16.2310285833
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

Page 20 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	20.3879729524
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	20.3879729524
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 21 of 45

EX-99.1(G)

Exhibit 99.1 (g)

2003 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 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	14.3046397333
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	14.3046397333
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
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.	17.4476952500
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.	17.4476952500
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

Page 22 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	24.1393620000
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	24.1393620000
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 23 of 45

EX-99.1(H)

Exhibit 99.1 (h)

2003 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 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	13.6963064000
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	13.6963064000
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
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.	16.3324174167
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.	16.3324174167
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

Page 24 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	23.4296396190
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	23.4296396190
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 25 of 45

EX-99.1(I)

Exhibit 99.1 (i)

2003 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 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
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.	16.4338064516
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.	16.4338064516
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

Page 26 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	23.9365846022
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	23.9365846022
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 27 of 45

EX-99.1(J)

Exhibit 99.1 (j)

2003 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 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	13.0879730585
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	13.0879730585
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
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.	16.0282508000
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.	16.0282508000
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

Page 28 of 45

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 2001-4 Investor Certificateholder’s Investment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	23.4296396571
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	23.4296396571
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 29 of 45

EX-99.1(K)

Exhibit 99.1 (k)

2003 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 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	52.9999999527
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	52.9999999527
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.	16.1296397419
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.	16.1296397419
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

Page 30 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	23.9365841290
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	23.9365841290
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 31 of 45

EX-99.1(L)

Exhibit 99.1 (l)

2003 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 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	14.2032508308
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	14.2032508308
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
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.	17.3463064615
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.	17.3463064615
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

Page 32 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	67.0000003516
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	67.0000003516
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 33 of 45

EX-99.1(M)

Exhibit 99.1 (m)

2003 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 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	38.5000000473
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	38.5000000473
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
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.	16.8393619355
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.	16.8393619355
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

Page 34 of 45

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
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	23.9365841290
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	23.9365841290
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 35 of 45

EX-99.1(N)

Exhibit 99.1 (n)

2003 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 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	46.0000000473
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	46.0000000473
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
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.	17.8532507097
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.	17.8532507097
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

Page 36 of 45

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 2001-8 Investor Certificateholder’s Investment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	24.9504730323
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	24.9504730323
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 37 of 45

EX-99.1(O)

Exhibit 99.1 (o)

2003 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 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	14.3046397292
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	14.3046397292
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 2002-1 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.	18.3601953000
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.	18.3601953000
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

Page 38 of 45

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 2002-1 Investor Certificateholder’s Investment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	26.4713065143
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	26.4713065143
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 39 of 45

EX-99.1(P)

Exhibit 99.1 (p)

2003 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 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	13.5949174789
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	13.5949174789
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 2002-2 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.	17.8532509677
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.	17.8532509677
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

Page 40 of 45

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 2002-2 Investor Certificateholder’s Investment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	25.9643618433
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	25.9643618433
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 41 of 45

EX-99.1(Q)

Exhibit 99.1 (q)

2003 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 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	13.0879730689
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	13.0879730689
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 2002-3 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.	45.5000000000
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.	45.5000000000
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

Page 42 of 45

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 2002-3 Investor Certificateholder’s Investment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holder per $1,000 Original Principal Amount.	25.9643620741
2)	The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount.	25.9643620741
3)	The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 43 of 45

EX-99.1(R)

Exhibit 99.1 (r)

2003 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 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	49.0000000000
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	49.0000000000
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 2002-4 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.	17.3463065806
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.	17.3463065806
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

Page 44 of 45

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 willhave the effect of increasing, pro rata, the amount of each Series 2002-4 Investor Certificateholder’sInvestment)	0.0000000000
5)	The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date	0.0000000000
E)  Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount)
1)	The total amount of the distribution to Collateral Interest Holderper $1,000 Original Principal Amount.	27.9921398710
2)	The amount of the distribution set forth in paragraph 1 above in respect of intereston the Collateral Interest, per $1,000 Original Principal Amount.	27.9921398710
3)	The amount of the distribution set forth in paragraph 1 above in respect of principalof the Collateral Interest, per $1,000 Original Principal Amount.	0.0000000000
F)  Collateral Interest Investor Charge Off’s and Reimbursement of Charge Off’s
1)	The amount of Collateral Interest Investor Charge Off’s	0.0000000000
2)	The amount of Collateral Interest 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 Collateral Interest Investor Charge Off’s	0.0000000000
4)	The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount	0.0000000000

Page 45 of 45

EX-99.2

Exhibit 99.2

Report of Independent Accountants

Capital One Bank

11013 West Broad Street

Glen Allen, Virginia  23060

and

The Bank of New York, as Trustee

101 Barclay Street, Floor 8 West

Corporate Trust Administration — Asset Backed Securities Unit

New York, NY  10286

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 in all material respects with the requirements of Sections 3.02, 3.04(a), 3.04(b), 3.04(c), 3.04(d), 3.04(e), 3.04(f), 3.09(a), 3.09(b), 4.02, 4.03(a), 4.03(b), 4.03(c), 4.03(d), 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, which was filed with the Securities and Exchange Commission on Form S-3/A on September 12, 2002 (the “Agreement”), as modified by the applicable sections in Article IV of the Series Supplements to the Agreement listed below (the “Supplements”), which were filed with the Securities and Exchange Commission on Form 8-K on the dates indicated below, regarding the Capital One Master Trust for the year ended December 31, 2003.

Series	Date Filed with the SEC on Form 8-K	Series	Date Filed with the SEC on Form 8-K
1996-3	August 26, 1997	2001-3	May 22, 2001
1998-1	July 9, 1998	2001-4	July 3, 2001
1998-4	November 24, 1998	2001-5	August 24, 2001
1999-1	May 28, 1999	2001-6	September 17, 2001
1999-3	July 29, 1999	2001-7	October 25, 2001
2000-1	March 7, 2000	2001-8	November 5, 2001
2000-2	July 31, 2000	2002-1	January 28, 2002
2000-3	September 1, 2000	2002-2	April 18, 2002
2000-4	November 3, 2000	2002-3	May 15, 2002
2000-5	December 12, 2000	2002-4	June 13, 2002
2001-1	March 13, 2001	2002-CC	September 12, 2002
2001-2	May 9, 2001

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 aforementioned Sections of the Agreement as modified by the applicable sections of the Supplements for the year ended December 31, 2003 is fairly stated, in all material respects.

/s/ Ernst & Young LLP

Ernst & Young LLP

March 23, 2004

2

EX-99.3

Exhibit 99.3

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(a), 3.04(b), 3.04(c), 3.04(d), 3.04(e), 3.04(f), 3.09(a), 3.09(b), 4.02, 4.03(a), 4.03(b), 4.03(c), 4.03(d), 4.04, 4.05 and 8.08 of the Pooling and Servicing Agreement dated as of September 30, 1993, amended and restated as of August 1, 2002, which was filed with the Securities and Exchange Commission on Form S-3/A on September 12, 2002 (the “Agreement”) as modified by the applicable sections in Article IV of the Series Supplements to the Agreements listed below (the “Supplements”), filed with the Securities and Exchange Commission on the dates indicated below.:

Series	Date Filed with the SEC on Form 8-K	Series	Date Filed with the SEC on Form 8-K
1996-3	August 26, 1997	2001-3	May 22, 2001
1998-1	July 9, 1998	2001-4	July 3, 2001
1998-4	November 24, 1998	2001-5	August 24, 2001
1999-1	May 28, 1999	2001-6	September 17, 2001
1999-3	July 29, 1999	2001-7	October 25, 2001
2000-1	March 7, 2000	2001-8	November 5, 2001
2000-2	July 31, 2000	2002-1	January 28, 2002
2000-3	September 1, 2000	2002-2	April 18, 2002
2000-4	November 3, 2000	2002-3	May 15, 2002
2000-5	December 12, 2000	2002-4	June 13, 2002
2001-1	March 13, 2001	2002-CC	September 12, 2002
2001-2	May 9, 2001

We also are responsible for establishing and maintaining effective internal control over compliance with the requirements referred to above.

We have performed an evaluation of the Bank’s compliance with the requirements of Sections 3.02, 3.04(a), 3.04(b), 3.04(c), 3.04(d), 3.04(e), 3.04(f), 3.09(a), 3.09(b), 4.02, 4.03(a), 4.03(b), 4.03(c), 4.03(d), 4.04, 4.05 and 8.08 of the Agreement as modified by the applicable sections in Article IV of the Supplements relating to Series 1996-3, 1998-1, 1998-4, 1999-1, 1999-3, 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, 2002-1, 2002-2, 2002-3, ,2002-4, and 2002-CC as of December 31, 2003 and for the year then ended. Based on this evaluation, we assert that for the year ended December 31, 2003, the Bank complied in all material respects with the requirements of these sections of the Agreement as modified, where applicable, by the Supplements referred to above.

/s/ Catherine West	/s/ Susan McFarland
Catherine West	Susan McFarland
President	Chief Financial Officer
Capital One Bank	Capital One Bank

March 23, 2004

2

EX-99.4

Exhibit 99.4

ANNUAL SERVICER’S CERTIFICATE

CAPITAL ONE BANK

CAPITAL ONE MASTER TRUST

The undersigned, a duly authorized representative of Capital One Bank, as Servicer (the “Bank”), 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, 2003, 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 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, 2003, 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.

1

IN WITNESS WHEREOF, the undersigned has duly executed this Certificate this 29th day of March, 2004.

CAPITAL ONE BANK,
as Servicer
By:	/s/ Stephen Linehan
	Name: Stephen Linehan
	Title: Senior Vice President and Treasurer

2