-----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, L5Afs/5xXPLfjfW3cUyvjfy/6kL7IcVERw3Nr5AOD6kTjgN96+BZtZ/9dMB9A8Tf zGmtAS7bf7Mv3KqlK/3NAQ== 0000950133-99-001822.txt : 19990517 0000950133-99-001822.hdr.sgml : 19990517 ACCESSION NUMBER: 0000950133-99-001822 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 18 CONFORMED PERIOD OF REPORT: 19990517 ITEM INFORMATION: ITEM INFORMATION: FILED AS OF DATE: 19990514 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CAPITAL ONE MASTER TRUST CENTRAL INDEX KEY: 0000922869 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 541719855 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: SEC FILE NUMBER: 000-25762 FILM NUMBER: 99623563 BUSINESS ADDRESS: STREET 1: 11013 W BROAD ST RD CITY: GLEN ALLEN STATE: VA ZIP: 23060 BUSINESS PHONE: 8049671000 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 8-K 1 FORM 8-K 1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------------- FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report: May 17, 1999 ------------ CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter)
Virginia 0-25762 54-1719855 - ------------------------------- ------------ ------------------- (State or other jurisdiction of (Commission (IRS Employer incorporation) File Number) Identification No.)
11013 West Broad Street Road, Glen Allen, Virginia 23060 - -------------------------------------------------- ---------- (Address of principal executive offices) (Zip Code)
(Registrant's telephone number, including area code): (804) 967-1000 (Former name or former address, if changed since last report): Not Applicable Page 1 of 41 2
ITEM 5. OTHER EVENTS The April 1999 monthly Certificateholder's Statements to investors were distributed May 17, 1999. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. April Performance Summary 2. Series 1994-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 3. Series 1994-A Certificateholder's Statement for the month of April 1999. 4. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 5. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 6. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 7. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of April 1999. 8. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 9. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 10. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of April 1999. 11. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 12. Series 1998-2 Class A and Class B Certificateholder's Statements for the month of April 1999. 13. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 14. Series 1998-4 Class A and Class B Certificateholder's Statements for the month of April 1999. 15. Series 1998-5 Certificateholder's Statement for the month of April 1999.
Page 2 of 41 3 16. Series 1998-6 Certificateholder's Statement for the month of April 1999. 17. Trust Excess Spread Analysis
SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned there-unto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey ----------------------------------- David M. Willey Senior Vice President and Treasurer Date: May 17, 1999 Page 3 of 41 4 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ------------------- EXHIBITS TO FORM 8-K CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Page 4 of 41 5 INDEX TO EXHIBITS
SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ------------ 1 April Performance Summary 07 2 Series 1994-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 09 3 Series 1994-A Certificateholder's Statement for the month of April 1999 11 4 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 12 5 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 14 6 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 16 7 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of April 1999 18 8 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 20 9 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 22 10 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of April 1999 24 11 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 27 12 Series 1998-2 Class A and Class B Certificate- holder's Statements for the month of April 1999 30 13 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 33
Page 5 of 41 6 14 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of April 1999 36 15 Series 1998-5 Certificateholder's Statement for the month of April 1999 39 16 Series 1998-6 Certificateholder's Statement for the month of April 1999 40 17 Trust Excess Spread Analysis 41
Page 6 of 41 EX-20.1 2 APRIL PERFORMANCE SUMMARY 1
CAPITAL ONE MASTER TRUST (RECEIVABLES) MONTHLY PERIOD : April 1999 Beginning of the Month Principal Receivables : 10,772,695,380.77 ----------------- Beginning of the Month Finance Charge Receivables : 354,789,524.02 ----------------- Beginning of the Month Discounted Receivables : 0.00 ----------------- Beginning of the Month Total Receivables : 11,127,484,904.79 ----------------- Removed Principal Receivables : 0.00 ----------------- Removed Finance Charge Receivables : 0.00 ----------------- Removed Total Receivables : 0.00 ----------------- Additional Principal Receivables : 507,461,796.59 ----------------- Additional Finance Charge Receivables : 51,843,681.99 ----------------- Additional Total Receivables : 559,305,478.58 ----------------- Discounted Receivables Generated this Period 0.00 ----------------- End of the Month Principal Receivables : 10,506,381,157.49 ----------------- End of the Month Finance Charge Receivables : 349,554,234.60 ----------------- End of the Month Discounted Receivables : 0.00 ----------------- End of the Month Total Receivables : 10,855,935,392.09 ----------------- Excess Funding Account Balance 0.00 ----------------- Adjusted Invested Amount of all Master Trust Series 9,195,918,104.33 ----------------- End of the Month Seller Percentage 12.47% ----------------- CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) MONTHLY PERIOD : April 1999 ACCOUNTS RECEIVABLES -------- ----------- End of the Month Delinquencies : 30 - 59 Days Delinquent 140,658 174,933,779.79 ---------------- ----------------- 60 - 89 Days Delinquent 79,692 113,997,936.51 ---------------- ----------------- 90 + Days Delinquent 150,702 219,048,945.67 ---------------- ----------------- Total 30 + Days Delinquent 371,052 507,980,661.97 ---------------- ----------------- Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 4.68% ----------------- Defaulted Accounts During the Month 51,199 54,254,399.65 ---------------- ----------------- Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 6.04% -----------------
Page 7 of 41 2
CAPITAL ONE MASTER TRUST (COLLECTIONS) MONTHLY PERIOD : April 1999 COLLECTIONS PERCENTAGES ----------- ----------- Total Collections and Gross Payment Rate 1,400,578,864.40 12.59% ---------------- ---------------- Collections of Principal Receivables and Principal Payment Rate 1,193,564,340.61 11.08% ---------------- ---------------- Prior Month Billed Finance Charge and Fees 170,167,799.39 ---------------- Amortized AMF Income 13,177,713.18 ---------------- Interchange Collected 12,095,159.12 ---------------- Recoveries of Charged Off Accounts 16,290,091.17 ---------------- Collections of Discounted Receivables 0.00 ---------------- Collections of Finance Charge Receivables and Annualized Yield 211,730,762.86 23.59% ---------------- ---------------- CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) MONTHLY PERIOD : April 1999 Beginning Unamortized AMF Balance 49,511,124.34 ---------------- + AMF Slug 20,772,930.79 ---------------- + AMF Collections 8,461,474.11 ---------------- - - Amortized AMF Income 13,177,713.18 ---------------- Ending Unamortized AMF Balance 65,567,816.06 ---------------- CAPITAL ONE MASTER TRUST (DISCOUNTED RECEIVABLES) MONTHLY PERIOD : April 1999 Gross Principal Payment Rate 11.08% ---------------- May 17, 1994 3% Discount of Addition 50,184,973.92 ---------------- Total Discounted Receivables Collections as of Beginning of Month 50,184,973.92 ---------------- Collections of Discounted Receivables Current Month 0.00 ---------------- Discounted Receivables to be Collected 0.00 ----------------
/s/ Douglas C.H. Adamson ---------------------------- Douglas C.H. Adamson Securitization Manager Page 8 of 41 EX-20.2 3 SERIES 1994-3 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1994-3 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 4.5566666573 17, 1999 per $1,000 Original Principal Amount --------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect 4.5566666573 of interest on the Class A Certificates, per $1,000 Original Principal Amount --------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect 0.0000000000 of principal of the Class A Certificates, per $1,000 Original Principal Amount --------------------- B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.00 --------------------- 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 0.0000000000 above, per $1,000 Original Principal Amount --------------------- 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.00 --------------------- 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 0.0000000000 each Series 1994-3 Investor Certificateholder's Investment) --------------------- 5) The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after 0.00 giving effect to all transactions on such Distribution Date --------------------- 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 on May 6.1250001228 17, 1999 per $1,000 Original Principal Amount. ---------------------
Page 9 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect 6.1250001228 of interest on the Class B Certificates, per $1,000 Original Principal Amount. --------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect 0.0000000000 of principal of the Class B Certificates, per $1,000 Original Principal Amount. --------------------- D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.00 --------------------- 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 0.0000000000 above, per $1,000 Original Principal Amount --------------------- 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.00 --------------------- 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 0.0000000000 each Series 1994-3 Investor Certificateholder's Investment) --------------------- 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 0.00 to all transactions on such Distribution Date --------------------- E) The Available Collateral Amount as of the close of business on the preceding 54,303,682 Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to --------------------- F) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 54,303,682 Distribution Date, will be equal to ---------------------
Page 10 of 41 EX-20.3 4 SERIES 1994-A 1 MONTHLY CERTIFICATEHOLDERS STATEMENT CAPITAL ONE MASTER TRUST SERIES 1994-A Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank, as Seller and Servicer (the "Bank"), and the Bank of New York, as trustee (the "Trustee") and pursuant to the Amended and Restated Series 1994-A Supplement dated as of November 17, 1994 and amended and restated as of October 31, 1997 among the Bank, the Trustee and Union Bank of Switzerland, New York Branch, as servicing agent, the Bank as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. Capitalized terms used in this Certificate have their respective meanings set forth in the Pooling and Servicing Agreement. 1) The total amount of the distribution to Series 1994-A Certificateholders on the 4.5721234492 Payment Date is -------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of 0.0000000000 principal on the Series 1994-A Certificate is -------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.5721234492 on the Series 1994-A Certificates -------------------- 4) The total amount of the distribution to Collateral Indebtedness Holder on the 4.8233333218 Payment Date is -------------------- 5) The amount of the distribution set forth in 4 above in respect to principal 0.0000000000 on the Collateral Indebtedness Interest is -------------------- 6) The amount of the distribution set forth in 4 above in respect to interest 4.8233333218 on the Collateral Indebtedness Interest is --------------------
Page 11 of 41 EX-20.4 5 SERIES 1995-1 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1995-1 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 4.5477777778 17, 1999 per $1,000 Original Principal Amount ------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect 4.5477777778 of interest on the Class A Certificates, per $1,000 Original Principal Amount ------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect 0.0000000000 of principal of the Class A Certificates, per $1,000 Original Principal Amount ------------------- B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.00 ------------------- 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 0.0000000000 above, per $1,000 Original Principal Amount ------------------- 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.00 ------------------- 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 0.0000000000 each Series 1995-1 Investor Certificateholder's Investment) ------------------- 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 0.00 to all transactions on such Distribution Date ------------------- 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 on May 4.6455555556 17, 1999 per $1,000 Original Principal Amount. -------------------
Page 12 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect 4.6455555556 of interest on the Class B Certificates, per $1,000 Original Principal Amount. ------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect 0.0000000000 of principal of the Class B Certificates, per $1,000 Original Principal Amount. ------------------- D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.00 ------------------- 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 0.0000000000 above, per $1,000 Original Principal Amount ------------------- 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.00 ------------------- 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 0.0000000000 each Series 1995-1 Investor Certificateholder's Investment) ------------------- 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 0.00 to all transactions on such Distribution Date ------------------- E) The Available Collateral Amount as of the close of business on the preceding 99,000,000 Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to ------------------- F) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 99,000,000 Distribution Date, will be equal to -------------------
Page 13 of 41 EX-20.5 6 SERIES 1995-3 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1995-3 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 4.5122222262 17, 1999 per $1,000 Original Principal Amount ----------------- 2) The amount of the distribution set forth in paragraph 1 above in respect 4.5122222262 of interest on the Class A Certificates, per $1,000 Original Principal Amount ----------------- 3) The amount of the distribution set forth in paragraph 1 above in respect 0.0000000000 of principal of the Class A Certificates, per $1,000 Original Principal Amount ----------------- B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.00 ----------------- 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 0.0000000000 above, per $1,000 Original Principal Amount ----------------- 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.00 ----------------- 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 0.0000000000 each Series 1995-3 Investor Certificateholder's Investment) ----------------- 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 0.00 to all transactions on such Distribution Date ----------------- 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 on May 4.6100000000 17, 1999 per $1,000 Original Principal Amount. -----------------
Page 14 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect 4.6100000000 of interest on the Class B Certificates, per $1,000 Original Principal Amount. ----------------- 3) The amount of the distribution set forth in paragraph 1 above in respect 0.0000000000 of principal of the Class B Certificates, per $1,000 Original Principal Amount. ----------------- D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.00 ----------------- 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 0.0000000000 above, per $1,000 Original Principal Amount ----------------- 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.00 ----------------- 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 0.0000000000 each Series 1995-3 Investor Certificateholder's Investment) ----------------- 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 0.00 to all transactions on such Distribution Date ----------------- E) The Available Collateral Amount as of the close of business on the preceding 73,500,000 Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to ----------------- F) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 73,500,000 Distribution Date, will be equal to -----------------
Page 15 of 41 EX-20.6 7 SERIES 1996-1 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1996-1 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 12.8000000000 per $1,000 Original Principal Amount ---------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 12.8000000000 on the Class A Certificates, per $1,000 Original Principal Amount ---------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount ---------------------- B) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 128.0000000000 per $10,000 Original Principal Amount ---------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 128.0000000000 on the Class A Certificates ---------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates ---------------------- C) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 1,280.0000000000 per $100,000 Original Principal Amount ---------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 1,280.0000000000 on the Class A Certificates ---------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates ----------------------
Page 16 of 41 2 D) 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 0.0000000000 Original Principal Amount ---------------------- 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 0.0000000000 each Series 1996-1 Investor Certificateholder's Investment) ---------------------- 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 0.0000000000 transactions on such Distribution Date ---------------------- E) 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 on May 17, 1999 4.6188888484 per $1,000 Original Principal Amount. ---------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.6188888484 on the Class B Certificates, per $1,000 Original Principal Amount. ---------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount. ---------------------- F) 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 0.0000000000 Original Principal Amount ---------------------- 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 0.0000000000 each Series 1996-1 Investor Certificateholder's Investment) ---------------------- 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 0.0000000000 transactions on such Distribution Date ---------------------- G) The Available Collateral Amount as of the close of business on the preceding 59,150,000 Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to ---------------------- H) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 59,150,000 Distribution Date, will be equal to ----------------------
Page 17 of 41 EX-20.7 8 SERIES 1996-2 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1996-2 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 4.4677777833 per $1,000 Original Principal Amount -------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.4677777833 on the Class A Certificates, per $1,000 Original Principal Amount -------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount -------------------- B) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 44.6777778333 per $10,000 Original Principal Amount -------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 44.6777778333 on the Class A Certificates -------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.00 of the Class A Certificates -------------------- C) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 446.7777783333 per $100,000 Original Principal Amount -------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 446.7777783333 on the Class A Certificates -------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates --------------------
Page 18 of 41 2 D) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.00 -------------------- 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount -------------------- 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.00 -------------------- 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 0.0000000000 each Series 1996-2 Investor Certificateholder's -------------------- Investment) 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 0.00 transactions on such Distribution Date -------------------- E) 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 on May 17, 1999 4.6722221818 per $1,000 Original Principal Amount. -------------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.6722221818 on the Class B Certificates, per $1,000 Original Principal Amount. -------------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.00 of the Class B Certificates, per $1,000 Original Principal Amount. -------------------- F) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.00 -------------------- 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount -------------------- 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.00 -------------------- 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 0.0000000000 each Series 1996-2 Investor Certificateholder's Investment) -------------------- 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 0.00 transactions on such Distribution Date -------------------- G) The Available Collateral Amount as of the close of business on the preceding 67,500,000 Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to -------------------- H) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 67,500,000 Distribution Date, will be equal to --------------------
Page 19 of 41 EX-20.8 9 SERIES 1996-3 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1996-3 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 4.4855555500 per $1,000 Original Principal Amount --------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.4855555500 on the Class A Certificates, per $1,000 Original Principal Amount --------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount --------------- B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.00 --------------- 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount --------------- 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.00 --------------- 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 0.0000000000 each Series 1996-3 Investor Certificateholder's Investment) --------------- 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 0.00 transactions on such Distribution Date --------------- 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 on May 17, 1999 4.6988889091 per $1,000 Original Principal Amount --------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.6988889091 on the Class B Certificates, per $1,000 Original Principal Amount ---------------
Page 20 of 41 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.00 of the Class B Certificates, per $1,000 Original Principal Amount --------------- D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.00 --------------- 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount --------------- 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.00 --------------- 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 0.0000000000 each Series 1996-3 Investor Certificateholder's Investment) --------------- 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 0.00 transactions on such Distribution Date --------------- E) The Available Collateral Amount as of the close of business on the preceding 45,000,000 Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to --------------- F) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 45,000,000 Distribution Date, will be equal to ---------------
Page 21 of 41 EX-20.9 10 SERIES 1997-1 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1997-1 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 0.0000000000 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 0.0000000000 on the Class A Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount ------------ B) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 0.0000000000 per $10,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 0.0000000000 on the Class A Certificates ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates ------------ C) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 0.0000000000 per $100,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 0.0000000000 on the Class A Certificates ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates ------------ D) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.0000000000 ------------
Page 22 of 41 2 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount --------------- 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 0.0000000000 each Series 1997-1 Investor Certificateholder's Investment) --------------- 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 0.0000000000 transactions on such Distribution Date --------------- E) 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 on May 17, 1999 4.6455555016 per $1,000 Original Principal Amount --------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.6455555016 on the Class B Certificates, per $1,000 Original Principal Amount --------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount --------------- F) 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 0.0000000000 Original Principal Amount --------------- 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 0.0000000000 each Series 1997-1 Investor Certificateholder's Investment) --------------- 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 0.0000000000 transactions on such Distribution Date --------------- G) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the 54,744,750 Collateral Account) was equal to --------------- H) The Required Collateral Amount as of the close of business on such Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Collateral Indebtedness Holder on such 54,744,750 Distribution Date, will be equal to ---------------
Page 23 of 41 EX-20.10 11 SERIES 1997-2 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1997-2 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 12.6225000124 per $1,000 Original Principal Amount -------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 12.6225000124 on the Class A Certificates, per $1,000 Original Principal Amount -------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount -------------- B) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $10,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 126.2250001240 per $10,000 Original Principal Amount -------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 126.2250001240 on the Class A Certificates -------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates -------------- C) Information Regarding Distributions to the Class A Certificateholders (Stated on the Basis of $100,000 Original Principal Amount) 1) The total amount of the distribution to Class A Certificateholders on May 17, 1999 1,262.2500012400 per $100,000 Original Principal Amount -------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 1,262.2500012400 on the Class A Certificates -------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates -------------- D) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.0000000000 --------------
Page 24 of 41 2 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1997-2 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------ E) 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 on May 17, 1999 4.6455555983 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.6455555983 on the Class B Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount ------------ F) 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1997-2 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------ G) 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 on May 17, 1999 4.8455555279 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.8455555279 on the Class C Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class C Certificates, per $1,000 Original Principal Amount ------------
Page 25 of 41 3 H) 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 0.0000000000 Original Principal Amount --------------- 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 0.0000000000 each Series 1997-2 Investor Certificateholder's Investment) --------------- 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 0.0000000000 all transactions on such Distribution Date --------------- I) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after 55,243,375 giving effect to any withdrawal from the Collateral Account) was equal to --------------- J) The Required Collateral Amount as of the close of business on the upcoming Distribution Date, after giving effect to any withdrawal from the Collateral Account and payments to the Class C Interest Holder on such 55,243,375 Distribution Date, will be equal to ---------------
Page 26 of 41 EX-20.11 12 SERIES 1998-1 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-1 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 5.2583333400 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 5.2583333400 on the Class A Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1998-1 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------ 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 on May 17, 1999 5.2966666187 per $1,000 Original Principal Amount ------------
Page 27 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 5.2966666187 on the Class B Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1998-1 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------ 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 on May 17, 1999 5.2233334548 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 5.2233334548 on the Class C Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class C Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1998-1 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------
Page 28 of 41 3 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 9,456,264.78 Collateral Account) was equal to ------------ H) The Required Cash Collateral Amount as of the close of business on the upcoming Distribution Date, after giving effect to any withdrawal from the Cash Collateral 9,456,264.78 Account and payments to the Class C Interest Holder on such Distribution Date, will be equal to ------------
Page 29 of 41 EX-20.12 13 SERIES 1998-2 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-2 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 0.0000000000 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 0.0000000000 on the Class A Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1998-2 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------ 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 on May 17, 1999 4.5122221820 per $1,000 Original Principal Amount ------------
Page 30 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.5122221820 on the Class B Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1998-2 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------ 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 on May 17, 1999 4.6900000643 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.6900000643 on the Class C Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class C Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 0.0000000000 each Series 1998-2 Investor Certificateholder's Investment) ------------ 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 0.0000000000 transactions on such Distribution Date ------------
Page 31 of 41 3 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 8,778,679.00 Collateral Account) was equal to ------------ H) The Required Cash Collateral Amount as of the close of business on the upcoming Distribution Date, after giving effect to any withdrawal from the Cash Collateral Account and payments to the Class 8,778,679.00 C Interest Holder on such Distribution Date, will be equal to ------------
Page 32 of 41 EX-20.13 14 SERIES 1998-3 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-3 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 0.0000000000 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 0.0000000000 on the Class A Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount ------------ B) Class A Investor Charge Off's and Reimbursement of Charge Off's 0.0000000000 1) The amount of Class A Investor Charge Off's ------------ 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount ------------ 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 1998-3 Investor Certificateholder's 0.0000000000 Investment) ------------ 5) The amount, if any, by which the outstanding principal balance of the Class A Certificates 0.0000000000 exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date ------------ 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 on May 17, 1999 4.5833334193 per $1,000 Original Principal Amount ------------
Page 33 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.5833334193 on the Class B Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 1998-3 Investor Certificateholder's 0.0000000000 Investment) ------------ 5) The amount, if any, by which the outstanding principal balance of the Class B Certificates 0.0000000000 exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date ------------ 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 on May 17, 1999 4.7788889971 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.7788889971 on the Class C Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class C Certificates, per $1,000 Original Principal Amount ------------ F) Class C Investor Charge Off's and Reimbursement of Charge Off's 0.0000000000 1) The amount of Class C Investor Charge Off's ------------ 2) The amount of Class C Investor Charge Off's set forth in paragraph 1 above, per $1,000 0.0000000000 Original Principal Amount ------------ 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 1998-3 Investor Certificateholder's 0.0000000000 Investment) ------------ 5) The amount, if any, by which the outstanding principal balance of the Class C Certificates 0.0000000000 exceeds the Class C Invested Amount after giving effect to all transactions on such Distribution Date ------------
Page 34 of 41 3 G) The Available Cash Collateral Amount as of the close of business on the preceding Distribution Date (after 6,227,718.00 giving effect to any withdrawal from the Collateral Account) was equal to ------------ H) The Required Cash Collateral Amount as of the close of business on the upcoming Distribution Date, after giving effect to any withdrawal from the Cash Collateral Account and payments to the Class 6,226,849.65 C Interest Holder on such Distribution Date, will be equal to ------------
Page 35 of 41 EX-20.14 15 SERIES 1998-4 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-4 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. 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 on May 17, 1999 4.5250000079 per $1,000 Original Principal Amount ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.5250000079 on the Class A Certificates, per $1,000 Original Principal Amount ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class A Certificates, per $1,000 Original Principal Amount ------------ 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 0.0000000000 Original Principal Amount ------------ 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 1998-4 Investor Certificateholder's 0.0000000000 Investment) ------------ 5) The amount, if any, by which the outstanding principal balance of the Class A Certificates 0.0000000000 exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date ------------ 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 on May 17, 1999 4.9566666667 per $1,000 Original Principal Amount. ------------
Page 36 of 41 2 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.9566666667 on the Class B Certificates, per $1,000 Original Principal Amount. ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class B Certificates, per $1,000 Original Principal Amount. ------------ 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 0.0000000000 Original Principal Amount ------------ 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 1998-4 Investor Certificateholder's 0.0000000000 Investment) ------------ 5) The amount, if any, by which the outstanding principal balance of the Class B Certificates 0.0000000000 exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date ------------ 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 on May 17, 1999 5.4299289462 per $1,000 Original Principal Amount. ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest 5.4299289462 on the Class C Certificates, per $1,000 Original Principal Amount. ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 of the Class C Certificates, per $1,000 Original Principal Amount. ------------ 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 0.0000000000 Original Principal Amount ------------ 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 1998-4 Investor Certificateholder's 0.0000000000 Investment) ------------ 5) The amount, if any, by which the outstanding principal balance of the Class C Certificates 0.0000000000 exceeds the Class C Invested Amount after giving effect to all transactions on such Distribution Date ------------
Page 37 of 41 3 G) The Available Cash Collateral Amount as of the close of business on the preceding Distribution Date (after 9,375,000.00 giving effect to any withdrawal from the Collateral Account) was equal to ------------ H) The Required Cash Collateral Amount as of the close of business on the upcoming Distribution Date, after giving effect to any withdrawal from the Cash Collateral Account and payments to the Class 9,375,000.00 C Interest Holder on such Distribution Date, will be equal to ------------
Page 38 of 41 EX-20.15 16 SERIES 1998-5 1 MONTHLY CERTIFICATEHOLDERS STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-5 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank, as Seller and Servicer (the "Bank"), and the Bank of New York, as trustee (the "Trustee") and pursuant to the Amended and Restated Series 1998-5 Supplement dated as of November 17, 1994 and amended and restated as of October 31, 1997 among the Bank, the Trustee and Union Bank of Switzerland, New York Branch, as servicing agent, the Bank as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. Capitalized terms used in this Certificate have their respective meanings set forth in the Pooling and Servicing Agreement. 1) The total amount of the distribution to Series 1998-5 Certificateholders on the 4.5778553022 Payment Date is ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 on the Series 1998-5 Certificate is ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of interest 4.5778553022 on the Series 1998-5 Certificates ------------ 4) The total amount of the distribution to Collateral Indebtedness Holder on the 5.0804626133 Payment Date is ------------ 5) The amount of the distribution set forth in 4 above in respect to principal 0.0000000000 on the Collateral Indebtedness Interest is ------------ 6) The amount of the distribution set forth in 4 above in respect to interest 5.0804626133 on the Collateral Indebtedness Interest is ------------
Page 39 of 41 EX-20.16 17 SERIES 1998-6 1 MONTHLY CERTIFICATEHOLDERS STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-6 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank, as Seller and Servicer (the "Bank"), and the Bank of New York, as trustee (the "Trustee") and pursuant to the Amended and Restated Series 1998-6 Supplement dated as of November 17, 1994 and amended and restated as of October 31, 1997 among the Bank, the Trustee and Union Bank of Switzerland, New York Branch, as servicing agent, the Bank as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of May 17, 1999, and with respect to the performance of the Trust during the month April, 1999 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. Capitalized terms used in this Certificate have their respective meanings set forth in the Pooling and Servicing Agreement. 1) The total amount of the distribution to Series 1998-6 Certificateholders on the 0.0000000000 Payment Date is ------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of principal 0.0000000000 on the Series 1998-6 Certificate is ------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of interest 0.0000000000 on the Series 1998-6 Certificates ------------ 4) The total amount of the distribution to Collateral Indebtedness Holder on the 0.0000000000 Payment Date is ------------ 5) The amount of the distribution set forth in 4 above in respect to principal 0.0000000000 on the Collateral Indebtedness Interest is ------------ 6) The amount of the distribution set forth in 4 above in respect to interest 0.0000000000 on the Collateral Indebtedness Interest is ------------
Page 40 of 41 EX-20.17 18 TRUST EXCESS SPREAD ANALYSIS 1 CAPITAL ONE MASTER TRUST TRUST EXCESS SPREAD ANALYSIS - APRIL-99
Card Trust COMT 94-3 COMT 95-1 COMT 95-3 COMT 96-1* COMT 96-2 Deal Size $453MM $900MM $1050MM $845MM $750MM Expected Maturity(Class A): 6/15/99 6/15/00 8/15/00 8/15/01 12/15/01 (NON-US TRANSACTION) - ------------------------------------------------------------------------------------------------------------ Excess Spread: Portfolio Yield 21.78% 21.78% 21.78% 21.78% 21.78% LESS: (Wt Avg) Coupon 5.22% 5.03% 4.99% 5.03% 4.96% SVC Fees 2.00% 2.00% 2.00% 1.50% 1.50% Charge-Offs 4.23% 4.23% 4.23% 4.23% 4.23% Excess Spread: Apr-99 10.33% 10.52% 10.56% 11.02% 11.09% Mar-99 9.90% 10.11% 10.14% 10.62% 10.67% Feb-99 9.65% 9.95% 9.99% 10.46% 10.52% 3-Mo Avg Excess Spread 9.96% 10.19% 10.23% 10.70% 10.76% - ------------------------------------------------------------------------------------------------------------ Delinquents: 30 to 59 days 1.66% 1.66% 1.66% 1.66% 1.66% 60 to 89 days 1.08% 1.08% 1.08% 1.08% 1.08% 90+ days 2.07% 2.07% 2.07% 2.07% 2.07% Monthly Payment Rate 12.59% 12.59% 12.59% 12.59% 12.59%
Card Trust COMT 96-3 COMT 97-1* COMT 97-2* COMT 98-1 COMT 98-2* COMT 98-3* COMT 98-4 Deal Size $500MM $608MM $502MM $591MM $502MM $464MM $750MM Expected Maturity(Class A): 1/15/04 6/15/02 8/15/02 4/15/08 8/10/99 8/16/01 11/15/03 (NON-US (NON-US (NON-US (NON-US TRANSACTION) TRANSACTION) TRANSACTION) TRANSACTION) - ----------------------------------------------------------------------------------------------------------------------------------- Excess Spread: Portfolio Yield 21.78% 21.78% 21.78% 21.78% 21.78% 21.78% 21.78% LESS: (Wt Avg) Coupon 5.00% 5.10% 4.98% 6.31% 4.76% 6.15% 5.56% SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% Charge-Offs 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% Excess Spread: Apr-99 11.05% 10.95% 11.07% 9.74% 11.29% 9.90% 10.49% Mar-99 10.64% 10.55% 10.67% 9.41% 10.88% 9.75% 10.18% Feb-99 10.49% 10.40% 10.51% 9.60% 10.72% 10.65% 10.43% 3-Mo Avg Excess Spread 10.73% 10.63% 10.75% 9.58% 10.96% 10.10% 10.37% - ----------------------------------------------------------------------------------------------------------------------------------- Delinquents: 30 to 59 days 1.66% 1.66% 1.66% 1.66% 1.66% 1.66% 1.66% 60 to 89 days 1.08% 1.08% 1.08% 1.08% 1.08% 1.08% 1.08% 90+ days 2.07% 2.07% 2.07% 2.07% 2.07% 2.07% 2.07% Monthly Payment Rate 12.59% 12.59% 12.59% 12.59% 12.59% 12.59% 12.59%
* This material is for informational purposes only and is not an offer of securities for sale in the United States. These securities will not be and have not been registered under the Securities Act of 1933 and may not be offered or sold in the United States absent registration or an applicable exemption from the registration requirements. COMMENTS: Capital One Master Trust performance statistics are also available at the Capital One web site: http://www.capitalone.com (Under "For Investors" section) Page 41 of 41 -----END PRIVACY-ENHANCED MESSAGE-----