-----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, HTY/+tLohOU+1J87Ozc3woXPT9HnGxcBFhNoySejpZ9xSGbFa+xMnyK1oqVO9VNy FWuwHDKkiceYZqM5lSFjHg== 0000950133-97-001162.txt : 19970401 0000950133-97-001162.hdr.sgml : 19970401 ACCESSION NUMBER: 0000950133-97-001162 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 19961231 FILED AS OF DATE: 19970331 SROS: NYSE FILER: COMPANY DATA: COMPANY CONFORMED NAME: CAPITAL ONE MASTER TRUST CENTRAL INDEX KEY: 0000922869 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 541088621 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-25762 FILM NUMBER: 97570695 BUSINESS ADDRESS: STREET 1: 11013 W BROAD ST RD CITY: GLEN ALLEN STATE: VA ZIP: 23060 BUSINESS PHONE: 7032051000 MAIL ADDRESS: STREET 1: 11013 WEST BROAD ST RD CITY: GLEN ALLEN STATE: VA ZIP: 23060 FORMER COMPANY: FORMER CONFORMED NAME: SIGNET MASTER TRUST DATE OF NAME CHANGE: 19940509 10-K 1 CAPITAL ONE MASTER TRUST FORM 10-K. 1 SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 1996 Commission file number 0-23750 CAPITAL ONE MASTER TRUST CAPITAL ONE BANK ------------------------------------------------------- (Exact name of registrant as specified in its charter) Virginia 54-1719855 - --------------------------------- ------------------------------------ (State or other jurisdiction of (I.R.S. Employer Identification No.) incorporation or organization) 11013 West Broad Street Road, Glen Allen , Virginia 23060 - --------------------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code 804 967-1000 ------------ Securities registered pursuant to Section 12(b) of the Act: None Securities registered pursuant to Section 12(g) of the Act: Series 1993-1 Certificates Series 1993-3 Certificates 5.20% Class A Asset Backed Certificates, Series 1993-1 4.85% Class A Asset Backed Certificates, Series 1993-3 5.40% Class B Asset Backed Certificates, Series 1993-1 5.25% Class B Asset Backed Certificates, Series 1993-3 Series 1993-4 Certificates Series 1994-1 Certificates Floating Rate Class A Asset Backed Certificates, Series 1993-4 Floating Rate Class A Asset Backed Certificates, Series 5.80% Class B Asset Backed Certificates, Series 1993-4 1994-1 6.60% Class B Asset Backed Certificates, Series 1994-1 Series 1994-2 Certificates Series 1994-3 Certificates Floating Rate Class A Asset Backed Certificates, Series 1994-2 Floating Rate Class A Asset Backed Certificates, Series 6.95% Class B Asset Backed Certificates, Series 1994-2 7.35% Class B Asset Backed Certificates, Series 1994-3 Series 1994-4 Certificates Series 1995-1 Certificates 6.80% Class A Asset Backed Certificates, Series 1994-4 Floating Rate Class A Asset Backed Certificates, Series 7.10% Rate Class B Asset Backed Certificates, Series 1994-4 1995-1 Series 1995-3 Certificates Series 1995-4 Certificates Floating Rate Class B Asset Backed Certificates, Series 1995-3 Floating Rate Class A Asset Backed Certificates, Series 1995-4 Securities to be registered pusuant to Section 12(g) of the Act: Series 1996-2 Certificates Series 1996-3 Certificates Floating Rate Class A Asset Backed Certificates, Series 1996-2 Floating Rate Class A Asset Backed Certificates, Series 1996-3
Page 1 of 39 2 Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No ---- ---- Registrant does not have any voting stock. Registrant has not been involved in bankruptcy proceedings during the preceding five years. Registrant is not reporting as a corporate issuer. No documents have been incorporated by reference into this Form 10K. THE EXHIBIT INDEX APPEARS ON PAGE 8 -2- 3 PART I ITEM 1. BUSINESS. Not Applicable. ITEM 2. PROPERTIES. Not Applicable. ITEM 3. LEGAL PROCEEDINGS. The registrant knows of no material pending legal proceedings with respect to the Trust, involving the Trust, the Trustee, the Trust Assets or Capital One Bank. ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS. No matter was submitted during the fiscal year covered by this report to a vote of Certificateholders. PART II ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS. (a) To the best knowledge of the registrant, there is no established public trading market for the Certificates. (b) As of February 28, 1997, there were 15 investor Certificateholders of record. For purposes of this report, "Certificateholders" includes Class A Certificateholders, Class B Certificateholders and holders of any Collateral Indebtedness Interest. c) Not Applicable. ITEM 6. SELECTED FINANCIAL DATA. Not Applicable. ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS. Not Applicable ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA. Not Applicable. ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE. None. -3- 4 PART III ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT. Not Applicable. ITEM 11. EXECUTIVE COMPENSATION. Not Applicable. ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT. (a) The Public Certificates representing investors' interests in the Trust are represented by a single Certificate registered in the name of Cede & Co., the nominee of the Depository Trust Company ("DTC"), and an investor holding an interest in the Trust is not entitled to receive a Certificate representing such interest except in certain limited circumstances. Accordingly, Cede & Co. is the sole holder of record of the Public Certificates, which it held on behalf of brokers, dealers, banks and other direct participants in the DTC system at December 31, 1996. Such direct participants may hold Certificates for their own accounts or for the accounts of their customers. At February 28, 1997, the following direct DTC participants held positions in Public Certificates representing interests in the Trust equal to or exceeding 5% of the $8,420,067,012.58 total principal amount of Certificates outstanding on that date:
Percentage of Participant Aggregate Total Certificates Name and Address Principal Amount Principal Amount - ----------------------------------------------------------------------------- Bankers Trust Company $ 458,057,023 5.44% SSB-Custodian 459,415,000 5.46 Citibank 523,477,000 6.22 Bank of New York 822,994,000 9.77 Chase Manhattan Bank, N.A. 1,769,532,616 21.02
The address of each of the above participants is: c/o The Depository Trust Company 55 Water Street New York, NY 10041 The Series 1996-1 Class A Certificates are held solely by Salomon Brothers International Limited. On February 28, 1997, Salomon Brothers International Limited held interest in the Trust of 8.03% of the total principal amount of Certificates outstanding. The address of Salomon Brothers International Limited is as follows: Victoria Plaza 111 Buckingham Palace Road London, SW1W 0SB England -4- 5 The Series 1994-A Certificates are held solely by Eiger Capital Corporation. On February 28, 1997, Eiger Capital Corporation held interest in the Trust of 7.66% of the total principal amount of Certificates outstanding. The address of Eiger Capital Corporation is as follows: c/o Lord Securities Corporation 2 Wall Street New York, NY 10005 Attention: Mr. Andrew L. Stidd, President No other owner holds more than a 5% interest in the Trust. (b) Not Applicable. (c) Not Applicable. ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS. (a) The registrant knows of no transaction or series of transactions during 1996, or any currently proposed transaction or series of transactions, in an amount exceeding $60,000, involving the Trust in which any Certificateholder identified in item 12(a) or any other beneficial owner of more than five percent of the Certificates known to the registrant had or will have a direct or indirect material interest. There are no persons of the types described in Item 404(a)(1), (2) and (4) of Regulation S-K. (b) Not Applicable. (c) Not Applicable. PART IV ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K. (a) Exhibits. Exhibit 99.0 Capital One Master Trust Aggregated Data for 1996 Exhibit 99.1 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1993-1 Supplement. Exhibit 99.2 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1993-3 Supplement. Exhibit 99.3 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1993-4 Supplement. Exhibit 99.4 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-1 Supplement.
-5- 6 Exhibit 99.5 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-2 Supplement. Exhibit 99.6 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-3 Supplement. Exhibit 99.7 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1994-4 Supplement. Exhibit 99.8 Annual Certificateholders' Statement delivered pursuant to Section 5.02(c) of the Series 1994-A Supplement. Exhibit 99.9 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1995-1 Supplement. Exhibit 99.10 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1995-2 Supplement. Exhibit 99.11 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1995-3 Supplement. Exhibit 99.12 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1995-4 Supplement. Exhibit 99.13 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1996-1 Supplement. Exhibit 99.14 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1996-2 Supplement. Exhibit 99.15 Annual Certificateholders' Statement delivered pursuant to Section 5.02(e) of the Series 1996-3 Supplement.
- ----------- (b) Reports on Form 8-K. The following Current Reports on Form 8-K were filed by the registrant relating to 1996: Current Reports on Form 8-K dated February 15, 1996, March 15, 1996, April 15, 1996, May 15, 1996, June 17, 1996, July 15, 1996, August 15, 1996, September 16, 1996, October 15, 1996, November 15, 1996, December 16, 1996 and January 15, 1997. -6- 7 SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Capital One Master Trust ------------------------- (Registrant) By: Capital One Bank ------------------------- (Seller and Servicer) Dated: March 31, 1997 By: /s/ David M. Willey ------------------------- David M. Willey Vice President and Treasurer -7- 8 EXHIBIT INDEX
Sequential Exhibit No. Page No. ----------- -------- 99.0 Capital One Master Trust Aggregated Data for 1996 10 99.1 Annual Certificateholders' Statement delivered pursuant to 11 Section 5.02(e) of the Series 1993-1 Supplement. 99.2 Annual Certificateholders' Statement delivered pursuant to 13 Section 5.02(e) of the Series 1993-3 Supplement. 99.3 Annual Certificateholders' Statement delivered pursuant to 15 Section 5.02(e) of the Series 1993-4 Supplement. 99.4 Annual Certificateholders' Statement delivered pursuant to 17 Section 5.02(e) of the Series 1994-1 Supplement. 99.5 Annual Certificateholders' Statement delivered pursuant to 19 Section 5.02(e) of the Series 1994-2 Supplement. 99.6 Annual Certificateholders' Statement delivered pursuant to 21 Section 5.02(e) of the Series 1994-3 Supplement. 99.7 Annual Certificateholders' Statement delivered pursuant to 23 Section 5.02(e) of the Series 1994-4 Supplement. 99.8 Annual Certificateholders' Statement delivered pursuant to 25 Section 5.02(e) of the Series 1994-A Supplement. 99.9 Annual Certificateholders' Statement delivered pursuant to 26 Section 5.02(c) of the Series 1995-1 Supplement. 99.10 Annual Certificateholders' Statement delivered pursuant to 28 Section 5.02(e) of the Series 1995-2 Supplement. 99.11 Annual Certificateholders' Statement delivered pursuant to 30 Section 5.02(e) of the Series 1995-3 Supplement. 99.12 Annual Certificateholders' Statement delivered pursuant to 32 Section 5.02(e) of the Series 1995-4 Supplement. 99.13 Annual Certificateholders' Statement delivered pursuant to 34 Section 5.02(c) of the Series 1996-1 Supplement.
-8- 9 99.14 Annual Certificateholders' Statement delivered pursuant to 36 Section 5.02(c) of the Series 1996-2 Supplement. 99.15 Annual Certificateholders' Statement delivered pursuant to 38 Section 5.02(c) of the Series 1996-3 Supplement.
-9- EX-99.0 2 1996 AGGREGATED DATA. 1 EXHIBIT 99.0 CAPITAL ONE MASTER TRUST AGGREGATED DATA FOR 1996 Defaults $443,804,949.45 Total Collections 10,469,681,905.47 Collections of Principal Receivables 8,981,698,136.56 Collections of Finance Charge Receivables 1,500,720,869.08 (includes amortization of annual membership fees) Monthly Servicing Fee paid 143,293,306.96 Aggregate amount paid to Certificateholders allocable to interest 411,157,768.40 Aggregate amount paid to Certificateholders allocable to principal 1,758,734,091.00 Class A Investor Charge-Offs 0.00 Class B Investor Charge-Offs 0.00 Reductions in Collateral Indebtedness Interest 0.00
-10- EX-99.1 3 SERIES 1993-1. 1 EXHIBIT 99.1 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 51.9999999996 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 0 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 51.9999999996 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-11- 2 EXHIBIT 99.1 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 54.0000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 54.0000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-12- EX-99.2 4 SERIES 1993-3. 1 EXHIBIT 99.2 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 1048.50000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 1000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 48.50000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-13- 2 EXHIBIT 99.2 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 52.5000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 52.5000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-14- EX-99.3 5 SERIES 1993-4. 1 EXHIBIT 99.3 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 58.5100958292 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 58.5100958292 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-15- 2 EXHIBIT 99.3 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1993-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capial One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 57.9999995604 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 57.9999995604 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-16- EX-99.4 6 SERIES 1994-1. 1 EXHIBIT 99.4 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 1,029.0761741905 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ 1,000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 29.0761741905 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-17- 2 EXHIBIT 99.4 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 1,044.00000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ 1,000.0000000000 ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 44.00000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-18- EX-99.5 7 SERIES 1994-2. 1 EXHIBIT 99.5 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.5925958412 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.5925958412 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-19- 2 EXHIBIT 99.5 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 69.5000000004 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 69.5000000004 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-20- EX-99.6 8 SERIES 1994-3. 1 EXHIBIT 99.6 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerlySignet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 58.0003735663 ---------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 58.0003735663 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-21- 2 EXHIBIT 99.6 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 73.5000014736 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 73.5000014736 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-22- EX-99.7 9 SERIES 1994-4. 1 EXHIBIT 99.7 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 67.9999999200 ------------------------ 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 67.9999999200 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-23- 2 EXHIBIT 99.7 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 71.0000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 71.0000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-24- EX-99.8 10 SERIES 1994-A. 1 EXHIBIT 99.8 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1994-A Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders. 1. January 1, 1996 Invested Amount balance. $ 1,000,000,000.00 -------------------------- 2. The total amount of principal distributed to Class A Certificateholders on April 15, 1996. $ 200,000,000.00 -------------------------- 3. The total amount of Invested Amount Increase on June 3, 1996. $ 600,000,000.00 -------------------------- 4. The total amount of principal distributed to Class A Certificateholders on August 15, 1996. $ 500,000,000.00 -------------------------- 5. The total amount of principal distributed to Class A Certificateholders on December 15, 1996. $ 300,000,000.00 -------------------------- 6. December 31, 1996 Invested Amount balance. $ 600,000,000.00 -------------------------- 7. The amount distributed in respect of interest on the Class A Certificates. $ 58,629,913.16 --------------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-25- EX-99.9 11 SERIES 1995-1. 1 EXHIBIT 99.9 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.8984291666 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.8984291666 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-26- 2 EXHIBIT 99.9 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 59.0198181483 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 59.0198181483 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-27- EX-99.10 12 SERIES 1995-2. 1 EXHIBIT 99.10 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.0828736334 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.0828736334 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-28- 2 EXHIBIT 99.10 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 58.2042627690 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 58.2042627690 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-29- EX-99.11 13 SERIES 1995-3. 1 EXHIBIT 99.11 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 57.4906513927 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 57.4906513927 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-30- 2 EXHIBIT 99.11 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 58.6120402198 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 58.6120402198 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-31- EX-99.12 14 SERIES 1995-4. 1 EXHIBIT 99.12 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 47.5797094166 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 47.5797094166 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-32- 2 EXHIBIT 99.12 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1995-4 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 58.0003736410 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 58.0003736410 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-33- EX-99.13 15 SERIES 1996-1. 1 EXHIBIT 99.13 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 18.4211110947 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 18.4211110947 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-34- 2 EXHIBIT 99.13 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-1 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 18.6638670004 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 18.6638670004 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-35- EX-99.14 16 SERIES 1996-2. 1 EXHIBIT 99.14 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 0.0000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 0.0000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-36- 2 EXHIBIT 99.14 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-2 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 0.0000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 0.0000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-37- EX-99.15 17 SERIES 1996-3. 1 EXHIBIT 99.15 1996 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class A Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class A Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class A Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class A Certificateholders, per $1,000 interest $ 0.0000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class A Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates, per $1,000 interest $ 0.0000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
-38- 2 EXHIBIT 99.15 (cont.) 1996 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT (To be delivered by the Paying Agent each Calendar Year pursuant to subsection 5.02(c) of the Pooling and Servicing Agreement) CAPITAL ONE BANK CAPITAL ONE MASTER TRUST 1996-3 Under the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of September 30, 1993, between Capital One Bank (formerly Signet Bank/Virginia), as Transferor and Servicer, and Bank, The Bank of New York as Trustee, the Servicer is required each year to prepare certain information regarding distributions to Class B Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year is set forth below. The information is presented on the basis of an original principal amount of $1,000 per Class B Certificate. All capitalized terms used herein shall have the respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding Distributions to Class B Certificateholders (Stated on the basis of $1,000 original principal amount). 1. The total amount distributed to Class B Certificateholders, per $1,000 interest $ 0.0000000000 ----------------------- 2. The amount of the distribution set forth in paragraph 1 above in respect of principal on the Class B Certificates, per $1,000 interest $ -0- ----------------------- 3. The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class B Certificates, per $1,000 interest $ 0.0000000000 -----------------------
CAPITAL ONE BANK SIGNET TRUST COMPANY as Servicer, as Paying Agent, By: /s/ JOHN SCHMOHL By: /s/ MARY L. BREWER ---------------------------------- ------------------------ Name: John Schmohl Name: Mary L. Brewer Title: Director of External Reporting Title: Corporate Trust Officer
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