EX-20.1 2 a04-12958_1ex20d1.htm EX-20.1

Exhibit 20.1

 

Capital One Master Trust (RECEIVABLES)*

MONTHLY PERIOD: October 2004

 

1)

 

Beginning of the Month Principal Receivables:

 

$

35,101,219,970.10

 

2)

 

Beginning of the Month Finance Charge Receivables:

 

$

861,621,752.72

 

3)

 

Beginning of the Month Discounted Receivables:

 

$

0.00

 

4)

 

Beginning of the Month Total Receivables:

 

$

35,962,841,722.82

 

 

 

 

 

 

 

5)

 

Removed Principal Receivables:

 

$

0.00

 

6)

 

Removed Finance Charge Receivables:

 

$

0.00

 

7)

 

Removed Total Receivables:

 

$

0.00

 

 

 

 

 

 

 

8)

 

Additional Principal Receivables:

 

$

0.00

 

9)

 

Additional Finance Charge Receivables:

 

$

0.00

 

10)

 

Additional Total Receivables:

 

$

0.00

 

 

 

 

 

 

 

11)

 

Discounted Receivables Generated this Period:

 

$

0.00

 

 

 

 

 

 

 

12)

 

End of the Month Principal Receivables:

 

$

34,638,814,610.38

 

13)

 

End of the Month Finance Charge Receivables:

 

$

842,112,948.85

 

14)

 

End of the Month Discounted Receivables:

 

$

0.00

 

15)

 

End of the Month Total Receivables:

 

$

35,480,927,559.23

 

 

 

 

 

 

 

16)

 

Excess Funding Account Balance

 

$

0.00

 

17)

 

Adjusted Invested Amount of all Master Trust Series

 

$

29,416,205,560.22

 

 

 

 

 

 

 

18)

 

End of the Month Seller Percentage

 

15.08

%

 

Capital One Master Trust (DELINQUENCIES AND LOSSES)

MONTHLY PERIOD: October 2004

 

 

 

 

 

ACCOUNTS

 

RECEIVABLES

 

 

 

 

 

 

 

 

 

1)

 

End of the Month Delinquencies:

 

 

 

 

 

 

 

2)

30 - 59 days delinquent

 

454,916

 

$

508,314,878.29

 

 

 

3)

60 - 89 days delinquent

 

278,090

 

$

337,377,025.66

 

 

 

4)

90+ days delinquent

 

592,040

 

$

756,670,669.84

 

 

 

 

 

 

 

 

 

 

 

 

5)

Total 30+ days delinquent

 

1,325,046

 

$

1,602,362,573.79

 

 

 

 

 

 

 

 

 

 

 

 

6)

Delinquencies 30 + Days as a Percent of End of the Month Total Receivables

 

 

 

4.52

%

 

 

 

 

 

 

 

 

7)

 

Defaulted Accounts during the Month

 

182,523

 

$

176,119,897.44

 

 

 

 

 

 

 

 

 

8)

 

Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables

 

 

 

6.02

%

 

*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables

 


 

Capital One Master Trust (COLLECTIONS)

MONTHLY PERIOD: October 2004

 

 

 

 

 

COLLECTIONS

 

PERCENTAGES

 

 

 

 

 

 

 

 

 

1)

 

Total Collections and Gross Payment Rate**

 

$

5,659,528,371.30

 

15.74

%

 

 

 

 

 

 

 

 

2)

 

Collections of Principal Receivables and Principal Payment Rate

 

$

5,051,956,767.51

 

14.39

%

 

 

 

 

 

 

 

 

 

 

3)

Prior Month Billed Finance Charges and Fees

 

$

450,823,818.96

 

 

 

 

 

4)

Amortized AMF Income

 

$

43,708,809.65

 

 

 

 

 

5)

Interchange Collected

 

$

70,842,327.93

 

 

 

 

 

6)

Recoveries of Charged Off Accounts

 

$

54,510,627.43

 

 

 

 

 

7)

Collections of Discounted Receivables

 

$

0.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

8)

Collections of Finance Charge Receivables and Annualized Yield

 

$

619,885,583.97

 

21.19

%

 

 

 

 

 

 

 

 

 

 

 

 

Capital One Master Trust (AMF COLLECTIONS)

 

 

 

 

 

 

 

 

MONTHLY PERIOD: October 2004

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1)

 

Beginning Unamortized AMF Balance

 

 

 

 

$

238,457,142.38

 

 

 

2)

+ AMF Slug

 

$

0.00

 

 

 

 

 

3)

+ AMF Collections

 

$

31,394,829.47

 

 

 

 

 

4)

- Amortized AMF Income

 

$

43,708,809.65

 

 

 

5)

 

Ending Unamortized AMF Balance

 

 

 

$

226,143,162.20

 

 

**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables