-----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, VXlCCg+bq/gccEVajBUIFxq8qPcb7aLru0ZsnzLJmJQ7CZamUkKd1hr/WLOiCm/Y 6VZaejzGZYkgchjnUKsaaA== 0000950133-00-000321.txt : 20000210 0000950133-00-000321.hdr.sgml : 20000210 ACCESSION NUMBER: 0000950133-00-000321 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20000118 ITEM INFORMATION: ITEM INFORMATION: FILED AS OF DATE: 20000209 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: 528184 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: January 18, 2000 ---------------- 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 38 2 ITEM 5. OTHER EVENTS The December 1999 monthly Certificateholder's Statements to investors were distributed January 18, 2000. ITEM 7(c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. December Performance Summary 2. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of December 1999. 3. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of December 1999. 4. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of December 1999. 5. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of December 1999. 6. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of December 1999. 7. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of December 1999. 8. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of December 1999. 9. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of December 1999. 10. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of December 1999. 11. Series 1998-4 Class A and Class B Certificateholder's Statements for the month of December 1999. 12. Series 1999-1 Class A and Class B Certificateholder's Statements for the month of December 1999 13. Series 1999-2 Class A and Class B Certificateholder's Statements for the month of December 1999 14. Series 1999-3 Class A and Class B Certificateholder's Statements for the month of December 1999 15. Trust Excess Spread Analysis Page 2 of 38 3 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: January 18, 2000 Page 3 of 38 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 38 5 INDEX TO EXHIBITS
SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ------------- 1 December Performance Summary 07 2 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of December 1999 09 3 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of December 1999 11 4 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of December 1999 13 5 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of December 1999 15 6 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of December 1999 17 7 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of December 1999 19 8 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of December 1999 21 9 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of December 1999 24 10 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of December 1999 27 11 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of December 1999 30 12 Series 1999-1 Class A and Class B Certificate- holder's Statements for the month of December 1999 32 13 Series 1999-2 Class A and Class B Certificate- holder's Statements for the month of December 1999 34 14 Series 1999-3 Class A and Class B Certificate-
Page 5 of 38 6 holder's Statements for the month of December 1999 36 15 Trust Excess Spread Analysis 38
Page 6 of 38 EX-20.1 2 DECEMBER PERFORMANCE SUMMARY 1
CAPITAL ONE MASTER TRUST (RECEIVABLES) MONTHLY PERIOD : DECEMBER 1999 Beginning of the Month Principal Receivables : 11,273,381,217.61 -------------------- Beginning of the Month Finance Charge Receivables : 394,342,975.64 -------------------- Beginning of the Month Discounted Receivables : 0.00 -------------------- Beginning of the Month Total Receivables : 11,667,724,193.25 -------------------- Removed Principal Receivables : 0.00 -------------------- Removed Finance Charge Receivables : 0.00 -------------------- Removed Total Receivables : 0.00 -------------------- Additional Principal Receivables : 248,577,551.10 -------------------- Additional Finance Charge Receivables : 676,299.90 -------------------- Additional Total Receivables : 249,253,851.00 -------------------- Discounted Receivables Generated this Period 0.00 -------------------- End of the Month Principal Receivables : 11,523,177,750.60 -------------------- End of the Month Finance Charge Receivables : 414,989,785.96 -------------------- End of the Month Discounted Receivables : 0.00 -------------------- End of the Month Total Receivables : 11,938,167,536.56 -------------------- Excess Funding Account Balance 0.00 -------------------- Adjusted Invested Amount of all Master Trust Series 9,832,976,677.68 -------------------- End of the Month Seller Percentage 14.67% -------------------- CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) MONTHLY PERIOD : DECEMBER 1999 ACCOUNTS RECEIVABLES -------- ----------- End of the Month Delinquencies : 30 - 59 Days Delinquent 187,881.00 204,104,352.86 ------------------ -------------------- 60 - 89 Days Delinquent 114,320.00 135,124,501.70 ------------------ -------------------- 90 + Days Delinquent 199,148.00 259,727,324.79 ------------------ -------------------- Total 30 + Days Delinquent 501,349.00 598,956,179.35 ------------------ -------------------- Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.02% -------------------- Defaulted Accounts During the Month 51,924.00 46,670,937.67 ------------------ -------------------- Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 4.97% --------------------
Page 7 of 38 2
CAPITAL ONE MASTER TRUST (COLLECTIONS) MONTHLY PERIOD : DECEMBER 1999 COLLECTIONS PERCENTAGES ----------- ----------- Total Collections and Gross Payment Rate 1,780,224,787.30 15.26% ------------------ -------------------- Collections of Principal Receivables and Principal Payment Rate 1,537,329,328.55 13.64% ------------------ -------------------- Prior Month Billed Finance Charge and Fees 185,457,932.22 ------------------ Amortized AMF Income 16,223,352.97 ------------------ Interchange Collected 27,583,379.06 ------------------ Recoveries of Charged Off Accounts 15,016,353.41 ------------------ Collections of Discounted Receivables 0.00 ------------------ Collections of Finance Charge Receivables and Annualized Yield 244,281,017.66 26.00% ------------------ -------------------- CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) MONTHLY PERIOD : DECEMBER 1999 Beginning Unamortized AMF Balance 83,116,852.21 -------------------- + AMF Slug for Added Accounts 63,018.81 ------------------ + AMF Collections 14,837,794.06 ------------------ - - Amortized AMF Income 16,223,352.97 ------------------ Ending Unamortized AMF Balance 81,794,312.11 ------------------
/s/ Charles Kim ---------------------------------- Charles Kim Securitization Manager Page 8 of 38 EX-20.2 3 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.2829166667 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.2829166667 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 each Series 1995-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.00 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.3868055556 ------------------
Page 9 of 38 2 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3868055556 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ D) Class B Investor Charge Off's and Reimbursement of Charge Off's 0.00 ------------------ 1) The amount of Class B Investor Charge Off's 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 each Series 1995-1 Investor Certificateholder's Investment) 0.00 ------------------ 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 transactions on such Distribution Date 0.00 ------------------ E) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 99,000,000 ------------------ 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 Distribution Date, will be equal to 99,000,000 ------------------
Page 10 of 38 EX-20.3 4 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.2451388929 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.2451388929 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 each Series 1995-3 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.00 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.3490277656 ------------------
Page 11 of 38 2 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3490277656 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.00 ------------------ 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 each Series 1995-3 Investor Certificateholder's Investment) 0.00 ------------------ 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 transactions on such Distribution Date 0.00 ------------------ E) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 73,500,000.00 ------------------ 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 Distribution Date, will be equal to 73,500,000.00 ------------------
Page 12 of 38 EX-20.4 5 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 January 18, 2000 per $10,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------ 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 January 18, 2000 per $100,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------
Page 13 of 38 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 Original Principal Amount 0.0000000000 ------------------ 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 1996-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.3584721893 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3584721893 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1996-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ G) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 59,150,000 ------------------ 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 Distribution Date, will be equal to 59,150,000 ------------------
Page 14 of 38 EX-20.5 6 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.1979166667 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.1979166667 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 January 18, 2000 per $10,000 Original Principal Amount 61.9791666667 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 61.9791666667 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.00 ------------------ 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 January 18, 2000 per $100,000 Original Principal Amount 619.7916666667 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 619.7916666667 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------
Page 15 of 38 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 Original Principal Amount 0.0000000000 ------------------ 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 each Series 1996-2 Investor Certificateholder's Investment) 0.00 ------------------ 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 transactions on such Distribution Date 0.00 ------------------ E) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.4151389091 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.4151389091 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal 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 Original Principal Amount 0.00 ------------------ 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 1996-2 Investor Certificateholder's Investment) 0.00 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ G) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 67,500,000 ------------------ 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 Distribution Date, will be equal to 67,500,000 ------------------
Page 16 of 38 EX-20.6 7 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.2168055500 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.2168055500 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 each Series 1996-3 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.00 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.4434721818 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.4434721818 ------------------
Page 17 of 38 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.00 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1996-3 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 45,000,000 ------------------ 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 Distribution Date, will be equal to 45,000,000 ------------------
Page 18 of 38 EX-20.7 8 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 January 18, 2000 per $10,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------ 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 January 18, 2000 per $100,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------ 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 19 of 38 2 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 1997-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.3868056090 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3868056090 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1997-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ G) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 54,744,750 ------------------ 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 Distribution Date, will be equal to 54,744,750 ------------------
Page 20 of 38 EX-20.8 9 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 January 18, 2000 per $10,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------ 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 January 18, 2000 per $100,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ------------------
Page 21 of 38 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 Original Principal Amount 0.0000000000 ------------------ 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 1997-2 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.3868054767 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3868054767 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1997-2 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ G) Information Regarding Distributions to the Class C Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class C Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.5993056282 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class C Certificates, per $1,000 Original Principal Amount. 6.5993056282 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class C Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ H) Class C Investor Charge Off's and Reimbursement of Charge Off's
Page 22 of 38 3 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 Original Principal Amount 0.0000000000 ------------------ 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 1997-2 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ I) The Available Collateral Amount as of the close of business on the preceding Distribution Date (after giving effect to any withdrawal from the Collateral Account) was equal to 55,243,375 ------------------ 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 Distribution Date, will be equal to 55,243,375 ------------------
Page 23 of 38 EX-20.9 10 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 5.2583333400 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 5.2583333400 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1998-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 5.2966666187 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 5.2966666187 ------------------
Page 24 of 38 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1998-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) Information Regarding Distributions to the Class C Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class C Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 7.0006943576 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class C Certificates, per $1,000 Original Principal Amount. 7.0006943576 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class C Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1998-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------
Page 25 of 38 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 Collateral Account) was equal to 9,456,264.78 ------------------ 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 C Interest Holder on such Distribution Date, will be equal to 9,456,264.78 ------------------
Page 26 of 38 EX-20.10 11 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 0.0000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 Investment) 0.0000000000 ------------------ 5) The amount, if any, by which the outstanding principal balance of the Class A Certificates
Page 27 of 38 2 exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.3206943334 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3206943334 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ D) Class B Investor Charge Off's and Reimbursement of Charge Off's 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) Information Regarding Distributions to the Class C Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class C Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.5284722843 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class C Certificates, per $1,000 Original Principal Amount. 6.5284722843 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class C Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ F) Class C Investor Charge Off's and Reimbursement of Charge Off's
Page 28 of 38 3 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 Original Principal Amount 0.0000000000 ------------------ 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 Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ 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 Collateral Account) was equal to 6,227,718.00 ------------------ 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 C Interest Holder on such Distribution Date, will be equal to 6,226,849.65 ------------------
Page 29 of 38 EX-20.11 12 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 4.5250000079 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 4.5250000079 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.7173611667 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.7173611667 ------------------
Page 30 of 38 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ D) Class B Investor Charge Off's and Reimbursement of Charge Off's 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) Information Regarding Distributions to the Class C Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class C Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 7.3579494194 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class C Certificates, per $1,000 Original Principal Amount. 7.3579494194 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class C Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ 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 Collateral Account) was equal to 9,375,000.00 ------------------ 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 C Interest Holder on such Distribution Date, will be equal to 9,375,000.00 ------------------
Page 31 of 38 EX-20.12 13 SERIES 1999-1 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1999-1 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.2356944400 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.2356944400 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1999-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.4245833600 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.4245833600 ------------------
Page 32 of 38 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1999-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Collateral Interest Holder on 0 per $1,000 Original Principal Amount. 5.5000000000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount. 5.5000000000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount. 0.0000000000 ------------------ F) Collateral Interest Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Collateral Interest Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Collateral Interest Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Collateral Interest Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount 0.0000000000 ------------------
Page 33 of 38 EX-20.13 14 SERIES 1999-2 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1999-2 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.2215277800 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.2215277800 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1999-2 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders on January 18, 2000 per $1,000 Original Principal Amount. 6.3915278400 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.3915278400 ------------------
Page 34 of 38 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1999-2 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount) 1) The total amount of the distribution to Collateral Interest Holder on per $1,000 Original Principal Amount. 6.6701388800 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount. 6.6701388800 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount. 0.0000000000 ------------------ F) Collateral Interest Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Collateral Interest Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Collateral Interest Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Collateral Interest Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount 0.0000000000 ------------------
Page 35 of 38 EX-20.14 15 SERIES 1999-3 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1999-3 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 January 18, 2000, and with respect to the performance of the Trust during the month December, 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 January 18, 2000 per $1,000 Original Principal Amount 6.3395833250 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 Original Principal Amount 6.3395833250 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1999-3 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ 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 January 18, 2000 per $1,000 Original Principal Amount. 6.5568056000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 Original Principal Amount. 6.5568056000 ------------------
Page 36 of 38 2 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ 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 Original Principal Amount 0.0000000000 ------------------ 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 1999-3 Investor Certificateholder's Investment) 0.0000000000 ------------------ 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 transactions on such Distribution Date 0.0000000000 ------------------ E) Information Regarding Distributions to the Collateral Interest Holder (Stated on the Basis of $1,000 Original Principal Amount) 1) The total amount of the distribution to Collateral Interest Holder on per $1,000 Original Principal Amount. 6.0416666000 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Collateral Interest, per $1,000 Original Principal Amount. 6.0416666000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Collateral Interest, per $1,000 Original Principal Amount. 0.0000000000 ------------------ F) Collateral Interest Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Collateral Interest Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Collateral Interest Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Collateral Interest Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount 0.0000000000 ------------------
Page 37 of 38 EX-20.15 16 TRUST EXCESS SPREAD ANALYSIS 1 CAPITAL ONE MASTER TRUST
TRUST EXCESS SPREAD ANALYSIS - DECEMBER-99 Card Trust COMT 95-1 COMT 95-3 COMT 96-1* COMT 96-2 COMT 96-3 COMT 97-1* Deal Size $900MM $1050MM $845MM $750MM $500MM $608MM Expected Maturity(Class A): 6/15/00 8/15/00 8/15/01 12/15/01 1/15/04 6/15/02 (NON-US (NON-US TRANSACTION) TRANSACTION) - ------------------------------------------------------------------------------------------------------------------------------------ Excess Spread: Portfolio Yield 24.40% 24.40% 24.40% 24.40% 24.40% 24.40% LESS: (Wt Avg) Coupon 6.46% 6.42% 6.08% 6.39% 6.42% 6.01% SVC Fees 2.00% 2.00% 1.50% 1.50% 1.50% 1.50% Charge-Offs 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% Excess Spread: Jan-00 12.57% 12.61% 13.45% 13.14% 13.11% 13.52% Dec-99 12.57% 12.61% 13.45% 13.14% 13.11% 13.52% Nov-99 12.72% 12.75% 12.76% 13.28% 13.25% 13.32% 3-Mo Avg Excess Spread 12.62% 12.66% 13.22% 13.19% 13.16% 13.45% - ------------------------------------------------------------------------------------------------------------------------------------ Delinquents: 30 to 59 days 1.71% 1.71% 1.71% 1.71% 1.71% 1.71% 60 to 89 days 1.13% 1.13% 1.13% 1.13% 1.13% 1.13% 90+ days 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% Monthly Payment Rate 15.26% 15.26% 15.26% 15.26% 15.26% 15.26% Card Trust COMT 97-2* COMT 98-1 COMT 98-3* COMT 98-4 COMT 99-1 COMT 99-2 COMT 99-3 Deal Size $502MM $591MM $464MM $750MM $625MM $625MM $500MM Expected Maturity(Class A): 8/15/02 4/15/08 8/16/2001 11/15/2003 5/15/2004 5/15/2002 7/15/2006 (NON-US (NON-US TRANSACTION) TRANSACTION) - ------------------------------------------------------------------------------------------------------------------------------------ Excess Spread: Portfolio Yield 24.40% 24.40% 24.40% 24.40% 24.40% 24.40% 24.40% LESS: (Wt Avg) Coupon 6.03% 6.46% 6.81% 5.90% 6.31% 6.42% 6.47% SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% Charge-Offs 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% Excess Spread: Jan-00 13.50% 13.07% 12.72% 13.63% 13.22% 13.11% 13.06% Dec-99 13.50% 13.07% 12.72% 13.63% 13.22% 13.11% 13.06% Nov-99 12.81% 12.55% 13.02% 13.29% 13.18% 13.25% 13.01% 3-Mo Avg Excess Spread 13.27% 12.90% 12.82% 13.52% 13.21% 13.16% 13.04% - ------------------------------------------------------------------------------------------------------------------------------------ Delinquents: 30 to 59 days 1.71% 1.71% 1.71% 1.71% 1.71% 1.71% 1.71% 60 to 89 days 1.13% 1.13% 1.13% 1.13% 1.13% 1.13% 1.13% 90+ days 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% Monthly Payment Rate 15.26% 15.26% 15.26% 15.26% 15.26% 15.26% 15.26%
* 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 Onweb site: http://www.capitalone.co (Under "For Investors" section) -----END PRIVACY-ENHANCED MESSAGE-----