-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, CdFiAzi4LZJgH6bxwCEfdC9myVC2ijiLrVHU3sTJRI6n42vMJ7aDRggU20LAsy0z Y8BRcxuLCp6r99Stwbg14Q== 0000950109-98-002360.txt : 19980401 0000950109-98-002360.hdr.sgml : 19980401 ACCESSION NUMBER: 0000950109-98-002360 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 19971231 FILED AS OF DATE: 19980331 SROS: NONE FILER: COMPANY DATA: COMPANY CONFORMED NAME: CAPITAL ONE MASTER TRUST CENTRAL INDEX KEY: 0000922869 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 541088621 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: SEC FILE NUMBER: 000-25762 FILM NUMBER: 98582046 BUSINESS ADDRESS: STREET 1: 11013 W BROAD ST RD CITY: GLEN ALLEN STATE: VA ZIP: 23060 BUSINESS PHONE: 7039671000 MAIL ADDRESS: STREET 1: 11013 WEST BROAD ST RD CITY: GLEN ALLEN STATE: VA ZIP: 23060 FORMER COMPANY: FORMER CONFORMED NAME: SIGNET MASTER TRUST DATE OF NAME CHANGE: 19940509 10-K 1 FORM 10-K SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 1997 Commission file number 0-23750 CAPITAL ONE MASTER TRUST CAPITAL ONE BANK ---------------------------------------------------------- (Exact name of registrant as specified in its charter) Virginia 54-1719855 ------------------------------- ------------------------------------ (State or other jurisdiction of (I.R.S. Employer Identification No.) incorporation or organization) 11013 West Broad Street, Glen Allen , Virginia 23060 ---------------------------------------------- ---------- (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: Series 1993-1 Certificates 5.20% Class A Asset Backed Certificates, Series 1993-1 5.40% Class B Asset Backed Certificates, Series 1993-1 Series 1993-3 Certificates 4.85% Class A Asset Backed Certificates, Series 1993-3 5.25% Class B Asset Backed Certificates, Series 1993-3 Series 1993-4 Certificates Floating Rate Class A Asset Backed Certificates, Series 1993-4 5.80% Class B Asset Backed Certificates, Series 1993-4 Series 1994-2 Certificates Floating Rate Class A Asset Backed Certificates, Series 1994-2 6.95% Class B Asset Backed Certificates, Series 1994-2 Series 1994-3 Certificates Floating Rate Class A Asset Backed Certificates, Series 1994-3 7.35% Class B Asset Backed Certificates, Series 1994-3 Series 1994-4 Certificates 6.80% Class A Asset Backed Certificates, Series 1994-4 7.10% Rate Class B Asset Backed Certificates, Series 1994-4 Series 1995-1 Certificates Floating Rate Class A Asset Backed Certificates, Series 1995-1 Series 1995-3 Certificates Floating Rate Class B Asset Backed Certificates, Series 1995-3 Series 1995-4 Certificates Floating Rate Class A Asset Backed Certificates, Series 1995-4 Series 1996-2 Certificates Floating Rate Class A Asset Backed Certificates, Series 1996-2 Series 1996-3 Certificates Floating Rate Class A Asset Backed Certificates, Series 1996-3 Securities to be registered pursuant to Section 12(g) of the Act: None Page 1 of 33 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 X No --- --- Registrant does not have any voting stock. Registrant has not been involved in bankruptcy proceedings during the preceding five years. Registrant is not reporting as a corporate issuer. No documents have been incorporated by reference into this Form 10K. THE EXHIBIT INDEX APPEARS ON PAGE 8 -2- Part I Item 1. Business. - ------ -------- Not Applicable. Item 2. Properties. - ------ ---------- Not Applicable. Item 3. Legal Proceedings. - ------ ----------------- The registrant knows of no material pending legal proceedings with respect to the Trust, involving the Trust, the Trustee, the Trust Assets or Capital One Bank. Item 4. Submission of Matters to a Vote of Security Holders. - ------ --------------------------------------------------- No matter was submitted during the fiscal year covered by this report to a vote of Certificateholders. Part II Item 5. Market for Registrant's Common Equity and Related Stockholder - ------ ------------------------------------------------------------- Matters. ------- (a) To the best knowledge of the registrant, there is no established public trading market for the Certificates. (b) As of February 28, 1998, there were 23 investor Certificateholders of record. For purposes of this report, "Certificateholders" includes Class A Certificateholders, Class B Certificateholders, any holders of Class C Interest and holders of any Collateral Indebtedness Interest. (c) Not Applicable. Item 6. Selected Financial Data. - ------ ----------------------- Not Applicable. Item 7. Management's Discussion and Analysis of Financial Condition and - ------ --------------------------------------------------------------- Results of Operations. --------------------- Not Applicable Item 8. Financial Statements and Supplementary Data. - ------ ------------------------------------------- Not Applicable. Item 9. Changes in and Disagreements With Accountants on Accounting and - ------ --------------------------------------------------------------- Financial Disclosure. -------------------- None. -3- Part III Item 10. Directors and Executive Officers of the Registrant. - ------- -------------------------------------------------- Not Applicable. Item 11. Executive Compensation. - ------- ---------------------- Not Applicable. Item 12. Security Ownership of Certain Beneficial Owners and Management. - ------- -------------------------------------------------------------- (a) The Public Certificates representing investors' interests in the Trust are represented by a single Certificate registered in the name of Cede & Co., the nominee of the Depository Trust Company ("DTC"), and an investor holding an interest in the Trust is not entitled to receive a Certificate representing such interest except in certain limited circumstances. Accordingly, Cede & Co. is the sole holder of record of the Public Certificates, which it held on behalf of brokers, dealers, banks and other direct participants in the DTC system at December 31, 1997. Such direct participants may hold Certificates for their own accounts or for the accounts of their customers. At February 28, 1998, the following direct DTC participants held positions in Public Certificates representing interests in the Trust equal to or exceeding 5% of the $9,091,460,137.62 total principal amount of Certificates outstanding on that date:
Percentage of Participant Aggregate Total Certificates Name and Address Principal Amount Principal Amount - ------------------------------------------------------------------------------------------------------------------- SSB-Custodian 1,022,362,000 11.25% Chase Manhattan Bank, N.A. 1,553,612,000 17.09% The address of each of the above participants is: c/o The Depository Trust Company 55 Water Street New York, NY 10041
The Series 1997-1 Class A Certificates are held solely by Chase Manhatten Bank, London as Custodian for Morgan Stanley & Co. International Limited. On February 28, 1998, Chase Manhatten Bank, London as Custodian for Morgan Stanley & Co. International Limited held interest in the Trust of 5.35% of the total principal amount of Certificates outstanding. The address of Morgan Stanley & Co. International Limited is as follows: 25 Cabot Square Canary Wharf London E14 4QA England The Series 1996-1 Class A Certificates are held solely by Chase Manhatten Bank, London as Custodian for Salomon Brothers International Limited. On February 28, 1998, Chase Manhatten Bank, London as Custodian for Salomon -4- Brothers International Limited held interest in the Trust of 7.44% of the total principal amount of Certificates outstanding. The address of Salomon Brothers International Limited is as follows: Victoria Plaza 111 Buckingham Palace Road London, SW1W 0SB England The Series 1994-A Certificates are held solely by Union Bank of Switzerland, as Agent. On February 28, 1998, Union Bank of Switzerland, as Agent, held interest in the Trust of 12.88% of the total principal amount of Certificates outstanding. The address of Union Bank of Switzerland is as follows: New York Branch 299 Park Avenue New York, New York 10171 Attention: Loan Servicing Group No other owner holds more than a 5% interest in the Trust. (b) Not Applicable. (c) Not Applicable. Item 13. Certain Relationships and Related Transactions. - ------- ----------------------------------------------- (a) The registrant knows of no transaction or series of transactions during 1997, or any currently proposed transaction or series of transactions, in an amount exceeding $60,000, involving the Trust in which any Certificateholder identified in item 12(a) or any other beneficial owner of more than five percent of the Certificates known to the registrant had or will have a direct or indirect material interest. There are no persons of the types described in Item 404(a)(1), (2) and (4) of Regulation S-K. (b) Not Applicable. (c) Not Applicable. Part IV Item 14. Exhibits, Financial Statement Schedules, and Reports On Form 8-K. - ------- ---------------------------------------------------------------- (a) Exhibits. Exhibit 99.0 Capital One Master Trust Aggregated Data for 1997 Exhibit 99.1 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1993-1 Supplement. Exhibit 99.2 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1993-3 Supplement. -5- Exhibit 99.3 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1993-4 Supplement. Exhibit 99.4 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-2 Supplement. Exhibit 99.5 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-3 Supplement. Exhibit 99.6 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-4 Supplement. Exhibit 99.7 Annual Certificateholders' Statement delivered pursuant to Section 5.02(c) of the Series 1994-A Supplement. Exhibit 99.8 Annual Certificateholders' Statement delivered pursuant to Section 5.02(d) of the Series 1995-1 Supplement. Exhibit 99.9 Annual Certificateholders' Statement delivered pursuant to Section 5.02(f) of the Series 1995-2 Supplement. Exhibit 99.10 Annual Certificateholders' Statement delivered pursuant to Section 5.02(d) of the Series 1995-3 Supplement. Exhibit 99.11 Annual Certificateholders' Statement delivered pursuant to Section 5.02(d) of the Series 1995-4 Supplement. Exhibit 99.12 Annual Certificateholders' Statement delivered pursuant to Section 5.02(d) of the Series 1996-2 Supplement. Exhibit 99.13 Annual Certificateholders' Statement delivered pursuant to Section 5.02(d) of the Series 1996-3 Supplement. - ----------- (b) Reports on Form 8-K. The following Current Reports on Form 8-K ------------------- were filed by the registrant relating to 1997: Current Reports on Form 8-K dated February 17, 1997, March 17, 1997, April 15, 1997, May 15, 1997, June 16, 1997, July 15, 1997, August 15, 1997, September 15, 1997, October 15, 1997, November 17, 1997, December 15, 1997 and January 15, 1998. -6- 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 Bank ---------------------------------- (Seller and Servicer) Dated: March 31, 1998 By: /s/ David M. Willey ---------------------------------- David M. Willey Senior Vice President and Treasurer -7- EXHIBIT INDEX -------------
Sequential Exhibit No. Page No. - ----------- ---------- 99.0 Capital One Master Trust Aggregated Data for 1997 9 99.1 Annual Certificateholders' Statement delivered pursuant to 10 Section 5.02(e) of the Series 1993-1 Supplement. 99.2 Annual Certificateholders' Statement delivered pursuant to 12 Section 5.02(e) of the Series 1993-3 Supplement. 99.3 Annual Certificateholders' Statement delivered pursuant to 13 Section 5.02(e) of the Series 1993-4 Supplement. 99.4 Annual Certificateholders' Statement delivered pursuant to 15 Section 5.02(e) of the Series 1994-2 Supplement. 99.5 Annual Certificateholders' Statement delivered pursuant to 17 Section 5.02(e) of the Series 1994-3 Supplement. 99.6 Annual Certificateholders' Statement delivered pursuant to 19 Section 5.02(e) of the Series 1994-4 Supplement. 99.7 Annual Certificateholders' Statement delivered pursuant to 21 Section 5.02(c) of the Series 1994-A Supplement. 99.8 Annual Certificateholders' Statement delivered pursuant to 22 Section 5.02(d) of the Series 1995-1 Supplement. 99.9 Annual Certificateholders' Statement delivered pursuant to 24 Section 5.02(f) of the Series 1995-2 Supplement. 99.10 Annual Certificateholders' Statement delivered pursuant to 26 Section 5.02(d) of the Series 1995-3 Supplement. 99.11 Annual Certificateholders' Statement delivered pursuant to 28 Section 5.02(d) of the Series 1995-4 Supplement. 99.12 Annual Certificateholders' Statement delivered pursuant to 30 Section 5.02(d) of the Series 1996-2 Supplement. 99.13 Annual Certificateholders' Statement delivered pursuant to 32 Section 5.02(d) of the Series 1996-3 Supplement.
-8- EX-99.0 2 EXHIBIT 99.0 Exhibit 99.0 Capital One Master Trust Aggregated Data for 1997 Defaults $ 821,834,503.46 Total Collections 12,898,842,891.64 Collections of Principal Receivables 10,767,286,976.54 Collections of Finance Charge Receivables 2,148,116,115.86 (includes amortization of annual membership fees) Monthly Servicing Fee Paid 160,985,190.49 Aggregate amount paid to Certificateholders 500,105,971.99 allocable to interest Aggregate amount paid to Certificateholders 606,187,489.75 allocable to principal Class A Investor Charge-Offs 0 Class B Investor Charge-Offs 0 Class C Investor Charge-Offs 0 Reductions in Collateral Indebtedness Interest $ 0 -9- EX-99.1 3 EXHIBIT 99.1 Exhibit 99.1 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). -------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 51.9999999996 -------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 -------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 51.9999999996 --------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ---------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -10- Exhibit 99.1 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 54.0000000000 -------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B certificates, per $1,000 interest $ 0 -------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 54.0000000000 --------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ---------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -11- EX-99.2 4 EXHIBIT 99.2 Exhibit 99.2 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). -------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 13.1250000000 -------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 1,000.0000000000 -------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 1,013.1250000000 --------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ---------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -12- EX-99.3 5 EXHIBIT 99.3 Exhibit 99.3 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). -------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 59.2565141873 -------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 -------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 59.2565141873 --------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ---------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -13- Exhibit 99.3 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). -------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 57.9999995604 -------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 -------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 57.9999995604 --------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ---------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -14- EX-99.4 6 EXHIBIT 99.4 Exhibit 99.4 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 28.9044883810 ------------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 1,000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 1,028.9044883810 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -15- Exhibit 99.4 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 46.3333333336 ------------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 1,000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 1,046.3333333336 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -16- EX-99.5 7 EXHIBIT 99.5 Exhibit 99.5 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 58.7509586015 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 58.7509586015 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -17- Exhibit 99.5 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 73.5000014736 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 73.50000014736 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -18- EX-99.6 8 EXHIBIT 99.6 Exhibit 99.6 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 33.9999999600 ------------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 1,000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 1,033.9999999600 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -19- Exhibit 99.6 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(e) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 59.1666666667 ------------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 1,000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 1,059.1666666667 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -20- EX-99.7 9 EXHIBIT 99.7 Exhibit 99.7 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-A Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders. ------------------- 1. January 1, 1997 Invested Amount balance. $ 600,000,000.00 ------------------------- 2. The total amount of principal distributed to Class A Certificateholders in, 1997. $ 0.00 ------------------------- 3. The total amount of Invested Amount Increase in March 1997. $ 200,000,000.00 ------------------------- 4. The total amount of Invested Amount Increase in August 1997. $ 200,000,000.00 ------------------------- 5. December 31, 1997 Invested Amount balance. $ 1,000,000,000.00 ------------------------- 6. The amount distributed in respect of interest on the Class A Certificates. $ 49,216,308.28 --------------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -21- EX-99.8 10 EXHIBIT 99.8 Exhibit 99.8 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 58.6498475001 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 58.6498475001 -----------------------
CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------- --------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -22- Exhibit 99.8 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 59.7620431233 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ---------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 59.7620431233 ---------------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ -------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -23- EX-99.9 11 EXHIBIT 99.9 Exhibit 99.9 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(f) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.8409585999 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ---------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.8409585999 ---------------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ ----------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -24- Exhibit 99.9 (Cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(f) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 58.9531811282 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ---------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 58.9531811282 ---------------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ ----------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -25- EX-99.10 12 EXHIBIT 99.10 Exhibit 99.10 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 58.2454030596 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ---------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 58.2454030596 ---------------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ -------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -26- Exhibit 99.10 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 59.3576253481 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ---------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 59.3576253481 ---------------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ ----------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -27- EX-99.11 13 EXHIBIT 99.11 Exhibit 99.11 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of ------------------------------------------ $1,000 original principal amount). ---------------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.6988855500 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ---------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.6988855500 ---------------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ ----------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -28- Exhibit 99.11 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of ------------------------------------------ $1,000 original principal amount). ---------------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 58.7509586668 ---------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ---------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 58.7509586668 ---------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ ------------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -29- EX-99.12 14 EXHIBIT 99.12 Exhibit 99.12 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to -------------------------------------- Class A Certificateholders (Stated on the ----------------------------------------- basis of $1,000 original principal amount). ------------------------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 59.4342474999 ------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ------------------ 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 59.4342474999 ------------------ CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ----------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -30- Exhibit 99.12 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to -------------------------------------- Class B Certificateholders (Stated on the ----------------------------------------- basis of $1,000 original principal amount). ------------------------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 61.8300809698 ------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ------------------ 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 61.8300809698 ------------------ CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ----------------------------- ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -31- EX-99.13 15 EXHIBIT 99.13 Exhibit 99.13 1997 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.6331036250 ---------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ---------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.6331036250 ---------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ------------------------------ ------------------------ Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -32- Exhibit 99.13 (cont.) 1997 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(d) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B ---------------------------------------------- Certificateholders (Stated on the basis of $1,000 ------------------------------------------------- original principal amount). --------------------------- 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 60.0464370909 ---------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 0 ---------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 60.0464370909 ---------------- CAPITAL ONE BANK HARRIS TRUST as Servicer, as Paying Agent, By: /s/ Douglas C.H. Adamson By: /s/ Keith Richardson ---------------------------- ----------------------- Name: Douglas C.H. Adamson Name: Keith Richardson Title: Securitization Manager Title: -33- -----END PRIVACY-ENHANCED MESSAGE-----