Exhibit 20.16

CAPITAL ONE MASTER TRUST (COMT)

Performance Summary - April 2005

Capital One Master Trust (COMT)

Series		COMT 1998-1
Size		$	591	MM
Expected Maturity (Class A)		04/15/2008
Gross Monthly Payment Rate		16.63		%
Delinquency Rate:	30 to 59 days	1.20		%
60 to 89 days		0.76		%
90 + days		1.80		%

Excess Spread Analysis

Series		COMT 1998-1
Portfolio Yield		17.86	%
Weighted Average Coupon		6.16	%
Servicing Fee Percentage		1.50	%
Net Loss Rate		4.47	%
Excess Spread Percentage:	Apr-05	5.73	%
Mar-05		6.68	%
Feb-05		7.21	%
3-Month Average Excess Spread		6.54	%

Capital One Master Trust (COMT)

Note: Servicing Fee Percentage includes 0.75% paid as Servicer Interchange to Capital One Bank as the Servicer of the Capital One Master Trust.

Capital One Master Trust (COMT)

Series		COMT 1999-3
Size		$	500	MM
Expected Maturity (Class A)		07/17/2006
Gross Monthly Payment Rate		16.63		%
Delinquency Rate:	30 to 59 days	1.20		%
	60 to 89 days	0.76		%
	90 + days	1.80		%

Excess Spread Analysis

Series		COMT 1999-3
Portfolio Yield		17.86	%
Weighted Average Coupon		3.54	%
Servicing Fee Percentage		1.50	%
Net Loss Rate		4.47	%
Excess Spread Percentage:	Apr-05	8.34	%
	Mar-05	9.41	%
	Feb-05	9.82	%
3-Month Average Excess Spread		9.19	%

Capital One Master Trust (COMT)

Note: Servicing Fee Percentage includes 0.75% paid as Servicer Interchange to Capital One Bank as the Servicer of the

Capital One Master Trust.

Capital One Master Trust (COMT)

Series		COMT 2000-2			COMT 2000-3			COMT 2000-4
Size		$	750	MM	$	1000	MM	$	1200	MM
Expected Maturity (Class A)		06/15/2005			08/15/2007			10/17/2005
Gross Monthly Payment Rate		16.63		%	16.63		%	16.63		%
Delinquency Rate:	30 to 59 days	1.20		%	1.20		%	1.20		%
60 to 89 days		0.76		%	0.76		%	0.76		%
90 + days		1.80		%	1.80		%	1.80		%

Excess Spread Analysis

Series		COMT 2000-2		COMT 2000-3		COMT 2000-4
Portfolio Yield		17.86	%	17.86	%	17.86	%
Weighted Average Coupon		7.26	%	3.56	%	6.18	%
Servicing Fee Percentage		2.00	%	2.00	%	2.00	%
Net Loss Rate		4.47	%	4.47	%	4.47	%
Excess Spread Percentage:	Apr-05	4.12	%	7.82	%	5.20	%
Mar-05		5.06	%	8.90	%	6.18	%
Feb-05		5.56	%	9.30	%	6.77	%
3-Month Average Excess Spread		4.91	%	8.67	%	6.05	%

Capital One Master Trust (COMT)

Note: Servicing Fee Percentage includes 0.75% paid as Servicer Interchange to Capital One Bank as the Servicer of the Capital One Master Trust.

Capital One Master Trust (COMT)

Series		COMT 2001-1			COMT 2001-2			COMT 2001-3			COMT 2001-5
Size		$	1200	MM	$	1200	MM	$	750	MM	$	1000	MM
Expected Maturity (Class A)		02/15/2008			03/15/2006			05/15/2006			08/15/2006
Gross Monthly Payment Rate		16.63		%	16.63		%	16.63		%	16.63		%
Delinquency Rate:	30 to 59 days	1.20		%	1.20		%	1.20		%	1.20		%
	60 to 89 days	0.76		%	0.76		%	0.76		%	0.76		%
	90 + days	1.80		%	1.80		%	1.80		%	1.80		%

Excess Spread Analysis

Series		COMT 2001-1		COMT 2001-2		COMT 2001-3		COMT 2001-5
Portfolio Yield		17.86	%	17.86	%	17.86	%	17.86	%
Weighted Average Coupon		3.21	%	5.24	%	5.20	%	5.07	%
Servicing Fee Percentage		2.00	%	2.00	%	2.00	%	2.00	%
Net Loss Rate		4.47	%	4.47	%	4.47	%	4.47	%
Excess Spread Percentage:	Apr-05	8.18	%	6.14	%	6.18	%	6.31	%
	Mar-05	9.27	%	7.12	%	7.15	%	7.28	%
	Feb-05	9.77	%	7.71	%	7.73	%	7.86	%
3-Month Average Excess Spread		9.07	%	6.99	%	7.02	%	7.15	%

Capital One Master Trust (COMT)

Series		COMT 2001-6			COMT 2001-8
Size		$	1300	MM	$	1000	MM
Expected Maturity (Class A)		08/15/2008			10/16/2006
Gross Monthly Payment Rate		16.63		%	16.63		%
Delinquency Rate:	30 to 59 days	1.20		%	1.20		%
	60 to 89 days	0.76		%	0.76		%
	90 + days	1.80		%	1.80		%

Excess Spread Analysis

Series		COMT 2001-6		COMT 2001-8
Portfolio Yield		17.86	%	17.86	%
Weighted Average Coupon		3.40	%	4.50	%
Servicing Fee Percentage		2.00	%	2.00	%
Net Loss Rate		4.47	%	4.47	%
Excess Spread Percentage:	Apr-05	7.98	%	6.88	%
	Mar-05	9.06	%	7.85	%
	Feb-05	9.48	%	8.43	%
3-Month Average Excess Spread		8.84	%	7.72	%

Capital One Master Trust (COMT)

Note: Servicing Fee Percentage includes 0.75% paid as Servicer Interchange to Capital One Bank as the Servicer of the Capital One Master Trust.

Capital One Master Trust (COMT)

Series		COMT 2002-1			COMT 2002-2			COMT 2002-4
Size		$	1000	MM	$	620	MM	$	750	MM
Expected Maturity (Class A)		01/15/2009			03/15/2007			05/15/2007
Gross Monthly Payment Rate		16.63		%	16.63		%	16.63		%
Delinquency Rate:	30 to 59 days	1.20		%	1.20		%	1.20		%
60 to 89 days		0.76		%	0.76		%	0.76		%
90 + days		1.80		%	1.80		%	1.80		%

Excess Spread Analysis

Series		COMT 2002-1		COMT 2002-2		COMT 2002-4
Portfolio Yield		17.86	%	17.86	%	17.86	%
Weighted Average Coupon		3.23	%	3.17	%	4.78	%
Servicing Fee Percentage		2.00	%	2.00	%	2.00	%
Net Loss Rate		4.47	%	4.47	%	4.47	%
Excess Spread Percentage:	Apr-05	8.15	%	8.22	%	6.61	%
Mar-05		9.24	%	9.30	%	7.57	%
Feb-05		9.74	%	9.81	%	8.16	%
3-Month Average Excess Spread		9.04	%	9.11	%	7.44	%

Capital One Master Trust (COMT)

Note: Servicing Fee Percentage includes 0.75% paid as Servicer Interchange to Capital One Bank as the Servicer of the Capital One Master Trust.