EX-20.1 2 a04-14598_1ex20d1.htm EX-20.1

Exhibit 20.1

 

Capital One Master Trust (RECEIVABLES)*

MONTHLY PERIOD: November 2004

 

1)

 

Beginning of the Month Principal Receivables:

 

 

 

$

34,638,814,610.38

 

2)

 

Beginning of the Month Finance Charge Receivables:

 

 

 

$

842,112,948.85

 

3)

 

Beginning of the Month Discounted Receivables:

 

 

 

$

0.00

 

4)

 

Beginning of the Month Total Receivables:

 

 

 

$

35,480,927,559.23

 

 

 

 

 

 

 

 

 

5)

 

Removed Principal Receivables:

 

 

 

$

0.00

 

6)

 

Removed Finance Charge Receivables:

 

 

 

$

0.00

 

7)

 

Removed Total Receivables:

 

 

 

$

0.00

 

 

 

 

 

 

 

 

 

8)

 

Additional Principal Receivables:

 

 

 

$

909,785,277.26

 

9)

 

Additional Finance Charge Receivables:

 

 

 

$

38,229,016.49

 

10)

 

Additional Total Receivables:

 

 

 

$

948,014,293.75

 

 

 

 

 

 

 

 

 

11)

 

Discounted Receivables Generated this Period:

 

 

 

$

0.00

 

 

 

 

 

 

 

 

 

12)

 

End of the Month Principal Receivables:

 

 

 

$

35,582,572,070.14

 

13)

 

End of the Month Finance Charge Receivables:

 

 

 

$

850,086,078.99

 

14)

 

End of the Month Discounted Receivables:

 

 

 

$

0.00

 

15)

 

End of the Month Total Receivables:

 

 

 

$

36,432,658,149.13

 

 

 

 

 

 

 

 

 

16)

 

Excess Funding Account Balance

 

 

 

$

0.00

 

17)

 

Adjusted Invested Amount of all Master Trust Series

 

 

 

$

31,040,571,260.25

 

 

 

 

 

 

 

 

 

18)

 

End of the Month Seller Percentage

 

 

 

12.76

%

 

Capital One Master Trust (DELINQUENCIES AND LOSSES)

MONTHLY PERIOD: November 2004

 

 

 

 

 

ACCOUNTS

 

RECEIVABLES

 

 

 

 

 

 

 

 

 

1)

 

End of the Month Delinquencies:

 

 

 

 

 

 

 

2)

30 - 59 days delinquent

 

461,943

 

$

507,080,334.29

 

 

 

3)

60 - 89 days delinquent

 

299,502

 

$

354,333,687.21

 

 

 

4)

90+ days delinquent

 

603,487

 

$

772,764,833.88

 

 

 

 

 

 

 

 

 

 

 

5)

Total 30+ days delinquent

 

1,364,932

 

$

1,634,178,855.38

 

 

 

 

 

 

 

 

 

 

 

6)

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

 

 

 

4.49

%

 

 

 

 

 

 

 

 

7)

 

Defaulted Accounts during the Month

 

190,772

 

$

184,288,834.80

 

 

 

 

 

 

 

 

 

8)

 

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

 

 

 

6.22

%

 

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

 


 

 

 

Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: November 2004

 

 

 

 

 

 

 

 

 

 

COLLECTIONS

 

PERCENTAGES

 

 

 

 

 

 

 

 

 

1)

 

Total Collections and Gross Payment Rate**

 

$

5,628,295,293.83

 

15.45

%

 

 

 

 

 

 

 

 

2)

 

Collections of Principal Receivables and Principal Payment Rate

 

$

5,014,328,240.32

 

14.11

%

 

 

 

 

 

 

 

 

 

 

3)

Prior Month Billed Finance Charges and Fees

 

$

443,945,070.54

 

 

 

 

 

4)

Amortized AMF Income

 

$

45,975,993.37

 

 

 

 

 

5)

Interchange Collected

 

$

77,173,023.01

 

 

 

 

 

6)

Recoveries of Charged Off Accounts

 

$

51,995,763.89

 

 

 

 

 

7)

Collections of Discounted Receivables

 

$

0.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

8)

Collections of Finance Charge Receivables and Annualized Yield

 

$

619,089,850.81

 

20.90

%

 

 

 

Capital One Master Trust (AMF COLLECTIONS)
MONTHLY PERIOD: November 2004

 

 

 

 

 

 

1)

 

Beginning Unamortized AMF Balance

 

 

 

 

$

226,143,162.20

 

 

 

2)

+ AMF Slug

 

 

$

22,204,245.64

 

 

 

 

 

3)

+ AMF Collections

 

 

$

40,853,196.07

 

 

 

 

 

4)

- Amortized AMF Income

 

 

$

45,975,993.37

 

 

 

5)

 

Ending Unamortized AMF Balance

 

 

 

 

$

243,224,610.54

 

 

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