-----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, RAsc6G5qi87gIDuxIW8dQE9bh4YokJNXxh3kuqLzIrJ3WVViDeKqn0haWp4x0t14 foMKtK0PIPIPwJWC6C1fkQ== 0000950133-99-000102.txt : 19990118 0000950133-99-000102.hdr.sgml : 19990118 ACCESSION NUMBER: 0000950133-99-000102 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 18 CONFORMED PERIOD OF REPORT: 19990115 ITEM INFORMATION: ITEM INFORMATION: FILED AS OF DATE: 19990115 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: 99507476 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 DATED 1/15/99 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 15, 1999 CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Virginia 0-25762 54-1719855 - ------------------------------- ------------- ------------------- (State or other jurisdiction of (Commission (IRS Employer incorporation) File Number) Identification No.) 11013 West Broad Street Road, Glen Allen, Virginia 23060 - -------------------------------------------------- -------------- (Address of principal executive offices) (Zip Code) (Registrant's telephone number, including area code): (804) 967-1000 (Former name or former address, if changed since last report): Not Applicable Page 1 of 42 2 ITEM 5. OTHER EVENTS The December 1998 monthly Certificateholder's Statements to investors were distributed January 15, 1999. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. December Performance Summary 2. Series 1993-4 Class A and Class B Certificateholder's Statements for the month of December 1998. 3. Series 1994-3 Class A and Class B Certificateholder's Statements for the month of December 1998. 4. Series 1994-A Certificateholder's Statement for the month of December 1998. 5. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of December 1998. 6. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of December 1998. 7. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of December 1998. 8. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of December 1998. 9. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of December 1998. 10. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of December 1998. 11. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of December 1998. 12. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of December 1998. 13. Series 1998-2 Class A and Class B Certificateholder's Statements for the month of December 1998. 14. Series 1998-3 Class A and Class B Certificateholder's Statement for the month of December 1998. 15. Series 1998-4 Class A and Class B Certificateholder's Statement for the month of December 1998. Page 2 of 42 3 16. Series 1998-5 Certificateholder's Statement for the month of December 1998. 17. Trust Excess Spread Analysis SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned there-unto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey --------------------------------------- David M. Willey Senior Vice President and Treasurer Date: January 15, 1999 Page 3 of 42 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 42 5 INDEX TO EXHIBITS
SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ------------ 1 December Performance Summary 07 2 Series 1993-4 Class A and Class B Certificate- holder's Statements for the month of December 1998 09 3 Series 1994-3 Class A and Class B Certificate- holder's Statements for the month of December 1998 11 4 Series 1994-A Certificateholder's Statement for the month of December 1998 13 5 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of December 1998 14 6 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of December 1998 16 7 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of December 1998 18 8 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of December 1998 20
Page 5 of 42 6 9 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of December 1998 22 10 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of December 1998 24 11 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of December 1998 26 12 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of December 1998 29 13 Series 1998-2 Class A and Class B Certificate- holder's Statements for the month of December 1998 32 14 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of December 1998 35 15 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of December 1998 38 16 Series 1998-5 Certificateholder's Statements for the month of December 1998 41 17 Trust Excess Spread Analysis 42
Page 6 of 42 EX-20.01 2 DECEMBER PERFORMANCE SUMMARY 1 CAPITAL ONE MASTER TRUST (RECEIVABLES) MONTHLY PERIOD : December 1998 Beginning of the Month Principal Receivables : 10,892,024,042.16 --------------------- Beginning of the Month Finance Charge Receivables : 331,740,517.57 --------------------- Beginning of the Month Discounted Receivables : 0.00 --------------------- Beginning of the Month Total Receivables : 11,223,764,559.73 --------------------- Removed Principal Receivables : 0.00 --------------------- Removed Finance Charge Receivables : 0.00 --------------------- Removed Total Receivables : 0.00 --------------------- Additional Principal Receivables : 203,675,481.96 --------------------- Additional Finance Charge Receivables : 151,109.30 --------------------- Additional Total Receivables : 203,826,591.26 --------------------- Discounted Receivables Generated this Period 0.00 --------------------- End of the Month Principal Receivables : 11,006,835,466.77 --------------------- End of the Month Finance Charge Receivables : 333,284,425.04 --------------------- End of the Month Discounted Receivables : 0.00 --------------------- End of the Month Total Receivables : 11,340,119,891.81 --------------------- Excess Funding Account Balance 0.00 --------------------- Adjusted Invested Amount of all Master Trust Series 10,138,963,315.57 --------------------- End of the Month Seller Percentage 7.88% ---------------------
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) MONTHLY PERIOD : December 1998 ACCOUNTS RECEIVABLES -------- ----------- End of the Month Delinquencies : 30 - 59 Days Delinquent 149,943 200,163,419.12 --------------------- --------------------- 60 - 89 Days Delinquent 82,793 123,563,346.46 --------------------- --------------------- 90 + Days Delinquent 160,210 244,860,362.92 --------------------- --------------------- Total 30 + Days Delinquent 392,946 568,587,128.50 --------------------- --------------------- Delinquencies 30+ Days as a Percent of End of the Month Total Receivables 5.01% --------------------- Defaulted Accounts During the Month 50,882 55,510,833.34 --------------------- --------------------- Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 6.12% ---------------------
Page 7 of 42 2
CAPITAL ONE MASTER TRUST (COLLECTIONS) MONTHLY PERIOD : December 1998 COLLECTIONS PERCENTAGES ----------- ----------- Total Collections and Gross Payment Rate 1,248,670,626.87 11.13% --------------------- --------------------- Collections of Principal Receivables and Principal Payment Rate 1,048,068,253.42 9.62% --------------------- --------------------- Prior Month Billed Finance Charge and Fees 168,362,143.26 --------------------- Amortized AMF Income 11,258,952.50 --------------------- Interchange Collected 14,006,182.67 --------------------- Recoveries of Charged Off Accounts 13,091,671.39 --------------------- Collections of Discounted Receivables 0.00 --------------------- Collections of Finance Charge Receivables and Annualized Yield 206,718,949.82 22.77% --------------------- --------------------- CAPITAL ONE TRUST (AMF COLLECTIONS) MONTHLY PERIOD : December 1998 Beginning Unamortized AMF Balance 65,161,410.67 --------------------- + AMF Slug 727.67 --------------------- + AMF Collections 5,142,376.13 --------------------- - - Amortized AMF Income 11,258,952.50 --------------------- Ending Unamortized AMF Balance 59,045,561.97 --------------------- CAPITAL ONE MASTER TRUST (DISCOUNTED RECEIVABLES) MONTHLY PERIOD : December 1998 Gross Principal Payment Rate 9.62% --------------------- May 17, 1994 3% Discount of Addition 50,184,973.92 --------------------- Total Discounted Receivables Collections as of Beginning of Month 50,184,973.92 --------------------- Collections of Discounted Receivables Current Month 0.00 --------------------- Discounted Receivables to be Collected 0.00 ---------------------
/s/ Douglas C.H. Adamson --------------------------------- Douglas C.H. Adamson Securitization Manager Page 8 of 42 EX-20.02 3 SERIES 1993-4 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1993-4 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 per $1,000 Original Principal Amount 4.9819324959 ---------------- 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 4.9819324959 ---------------- 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 1993-4 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 0.00 ---------------- 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 15, 1999 per $1,000 Original Principal Amount. 4.8333332967 ----------------
Page 9 of 42 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. 4.8333332967 ---------------- 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 0.0000000000 ---------------- 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 1993-4 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 0.00 ----------------
CAPITAL ONE BANK as Servicer By : /s/ Douglas C.H.Adamson -------------------------------- Name : Douglas C.H. Adamson Title : Securitization Manager Page 10 of 42 EX-20.03 4 SERIES 1994-3 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1994-3 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of January 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 per $1,000 Original Principal Amount 4.9388769510 ---------------- 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 4.9388769510 ---------------- 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 1994-3 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 15, 1999 per $1,000 Original Principal Amount. 6.1250001228 ----------------
Page 11 of 42 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. 6.1250001228 ---------------- 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 0.0000000000 ---------------- 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 1994-3 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 0.00 ---------------- 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 54,303,682 ---------------- 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 54,303,682 ----------------
Page 12 of 42 EX-20.04 5 SERIES 1994-A 1 MONTHLY CERTIFICATEHOLDERS STATEMENT CAPITAL ONE MASTER TRUST SERIES 1994-A Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank, as Seller and Servicer (the "Bank"), and the Bank of New York, as trustee (the "Trustee") and pursuant to the Amended and Restated Series 1994-A Supplement dated as of November 17, 1994 and amended and restated as of October 31, 1997 among the Bank, the Trustee and Union Bank of Switzerland, New York Branch, as servicing agent, the Bank as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of January 15, 1999, and with respect to the performance of the Trust during the month December, 1998 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. Capitalized terms used in this Certificate have their respective meanings set forth in the Pooling and Servicing Agreement. 1) The total amount of the distribution to Series 1994-A Certificateholders on the Payment Date is 215.0955692852 ---------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of principal on the Series 1994-A Certificate is 210.2312543798 ---------------- 3) The amount of the distribution set forth in paragrah 1 above in respect of interest on the Series 1994-A Certificates 4.8643149054 ---------------- 4) The total amount of the distribution to Collateral Indebtedness Holder on the 5.1972102768 ---------------- Payment Date is 5) The amount of the distribution set forth in 4 above in respect to principal 0.0000000000 ---------------- on the Collateral Indebtedness Interest is 6) The amount of the distributioin set forth in 4 above in respect to interest 5.1972102768 ---------------- on the Collateral Indebtedness Interest is
Page 13 of 42 EX-20.05 6 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 per $1,000 Original Principal Amount 4.9302658333 ---------------- 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 4.9302658333 ---------------- 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 15, 1999 per $1,000 Original Principal Amount. 5.0249880247 ----------------
Page 14 of 42 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. 5.0249880247 ---------------- 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 0.0000000000 ---------------- 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) 0.0000000000 ---------------- 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 0.00 ---------------- 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 15 of 42 EX-20.06 7 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 per $1,000 Original Principal Amount 4.8958213929 ---------------- 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 4.8958213929 ---------------- 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 15, 1999 per $1,000 Original Principal Amount. 4.9905435897 ----------------
Page 16 of 42 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. 4.9905435897 ---------------- 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 0.0000000000 ---------------- 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 1995-3 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 0.00 ---------------- 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 ---------------- 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 ----------------
Page 17 of 42 EX-20.07 8 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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 15, 1999 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 15, 1999 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 18 of 42 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 15, 1999 per $1,000 Original Principal Amount. 4.9991547565 ---------------- 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. 4.9991547565 ---------------- 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 19 of 42 EX-20.08 9 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 per $1,000 Original Principal Amount 4.8527658333 ---------------- 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 4.8527658333 ---------------- 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 15, 1999 per $10,000 Original Principal Amount 48.5276583333 ---------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 48.5276583333 ---------------- 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 15, 1999 per $100,000 Original Principal Amount 485.2765833333 ---------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 485.2765833333 ---------------- 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates 0.0000000000 ----------------
Page 20 of 42 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) 0.0000000000 ---------------- 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 ---------------- 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 15, 1999 per $1,000 Original Principal Amount. 5.0508213333 ---------------- 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. 5.0508213333 ---------------- 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 ---------------- F) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.00 ---------------- 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 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 1996-2 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 0.00 ---------------- 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 21 of 42 EX-20.09 10 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 per $1,000 Original Principal Amount 4.8699880500 ---------------- 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 4.8699880500 ---------------- 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 15, 1999 per $1,000 Original Principal Amount. 5.0766547273 ---------------- 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. 5.0766547273 ----------------
Page 22 of 42 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 0.00 ---------------- 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 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 0.00 ---------------- 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 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 23 of 42 EX-20.10 11 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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 15, 1999 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 15, 1999 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 24 of 42 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 15, 1999 per $1,000 Original Principal Amount. 5.0249880997 ---------------- 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. 5.0249880997 ---------------- 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 25 of 42 EX-20.11 12 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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 15, 1999 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 15, 1999 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 26 of 42 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 1997-2 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 15, 1999 per $1,000 Original Principal Amount. 5.0249880642 ---------------- 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. 5.0249880642 ---------------- 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) 1) The total amount of the distribution to Class C Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.2187379734 ---------------- 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. 5.2187379734 ---------------- 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 ----------------
Page 27 of 42 3 H) Class C Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class C Investor Charge Off's 0.0000000000 ---------------- 2) The amount of Class C Investor Charge Off's set forth in paragraph 1 above, per $1,000 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 28 of 42 EX-20.12 13 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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) 1) The total amount of the distribution to Class B Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.2966666187 ----------------
Page 29 of 42 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. 5.2966666187 ---------------- 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) 1) The total amount of the distribution to Class C Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.5847103230 ---------------- 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. 5.5847103230 ---------------- 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 30 of 42 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 31 of 42 EX-20.13 14 SERIES 1998-2 1 FORM OF MONTHLY STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-2 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank (as successor to Signet Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital One as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of January 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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 1998-2 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) 1) The total amount of the distribution to Class B Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 4.8958214221 ----------------
Page 32 of 42 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. 4.8958214221 ---------------- 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 1998-2 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 Class C Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 1) The total amount of the distribution to Class C Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.0680437366 ---------------- 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. 5.0680437366 ---------------- 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 1998-2 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 ----------------
Page 33 of 42 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 8,778,679.00 ---------------- 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 8,778,679.00 ----------------
Page 34 of 42 EX-20.14 15 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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 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 15, 1999 per $1,000 Original Principal Amount. 4.9647102216 ----------------
Page 35 of 42 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. 4.9647102216 ---------------- 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 1998-3 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) 1) The total amount of the distribution to Class C Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.1541547449 ---------------- 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. 5.1541547449 ---------------- 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 1998-3 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 ----------------
Page 36 of 42 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 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 37 of 42 EX-20.15 16 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 15, 1999, and with respect to the performance of the Trust during the month December, 1998 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 15, 1999 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) 1) The total amount of the distribution to Class B Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.3263770000 ----------------
Page 38 of 42 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. 5.3263770000 ---------------- 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 1998-4 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) 1) The total amount of the distribution to Class C Certificateholders on January 15, 1999 per $1,000 Original Principal Amount. 5.8165472688 ---------------- 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. 5.8165472688 ---------------- 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 ----------------
Page 39 of 42 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 9,375,000.00 ---------------- 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 40 of 42 EX-20.16 17 SERIES 1998-5 1 MONTHLY CERTIFICATEHOLDERS STATEMENT CAPITAL ONE MASTER TRUST SERIES 1998-5 Pursuant to the Master Pooling and Servicing Agreement dated as of September 30, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Pooling and Servicing Agreement"), between Capital One Bank, as Seller and Servicer (the "Bank"), and the Bank of New York, as trustee (the "Trustee") and pursuant to the Amended and Restated Series 1998-5 Supplement dated as of November 17, 1994 and amended and restated as of October 31, 1997 among the Bank, the Trustee and Union Bank of Switzerland, New York Branch, as servicing agent, the Bank as Servicer is required to prepare certain information each month regarding current distributions to Certificateholders and the performance of the Capital One Master Trust (the "Trust") during the previous month. The information which is required to be prepared with respect to the Distribution Date of January 15, 1999, and with respect to the performance of the Trust during the month December, 1998 is set forth below. Certain of the information is presented on the basis of an original principal amount of $1,000 per investor Certificate (a "Certificate"). Certain other information is presented based on the aggregate amounts for the Trust as a whole. Capitalized terms used in this Certificate have their respective meanings set forth in the Pooling and Servicing Agreement. 1) The total amount of the distribution to Series 1998-5 Certificateholders on the Payment Date is 6.2122016667 ---------------- 2) The amount of the distribution set forth in paragraph 1 above in respect of principal on the Series 1998-5 Certificate is 0.0000000000 ---------------- 3) The amount of the distribution set forth in paragrah 1 above in respect of interest on the Series 1998-5 Certificates 6.2122016667 ---------------- 4) The total amount of the distribution to Collateral Indebtedness Holder on the Payment Date is 6.8286075000 ---------------- 5) The amount of the distribution set forth in 4 above in respect to principal on the Collateral Indebtedness Interest is 0.0000000000 ---------------- 6) The amount of the distribution set forth in 4 above in respect to interest on the Collateral Indebtedness Interest is 6.8286075000 ----------------
Page 41 of 42 EX-20.17 18 TRUST EXCESS SPREAD ANALYSIS 1 CAPITAL ONE MASTER TRUST TRUST EXCESS SPREAD ANALYSIS - DECEMBER-98
Card Trust COMT 93-4 COMT 94-3 COMT 95-1 COMT 95-3 COMT 96-1* COMT 96-2 Deal Size $700MM $453MM $900MM $1050MM $845MM $750MM Expected Maturity(Class A): 1/15/99 6/15/99 6/15/00 8/15/00 8/15/01 12/15/01 In Accumulation (NON-US Period TRANSACTION) - ---------------------------------------------------------------------------------------------------------------------------------- Excess Spread: Portfolio Yield 12.52% 21.33% 21.33% 21.33% 21.33% 21.33% LESS: (Wt Avg) Coupon 5.73% 5.85% 5.70% 5.66% 5.53% 5.63% SVC Fees 0.90% 2.00% 2.00% 2.00% 1.50% 1.50% Charge-Offs 2.10% 4.68% 4.68% 4.68% 4.68% 4.68% Excess Spread: Dec-98 3.79% 8.80% 8.95% 8.99% 9.62% 9.52% Nov-98 4.73% 7.88% 8.11% 8.14% 8.56% 8.67% Oct-98 6.44% 7.77% 7.92% 7.95% 8.25% 8.49% 3-Mo Avg Excess Spread 4.99% 8.15% 8.33% 8.36% 8.81% 8.89% - ---------------------------------------------------------------------------------------------------------------------------------- Delinquents: 30 to 59 days 1.77% 1.77% 1.77% 1.77% 1.77% 1.77% 60 to 89 days 1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 90+ days 2.16% 2.16% 2.16% 2.16% 2.16% 2.16% Monthly Payment Rate 9.62% 9.62% 9.62% 9.62% 9.62% 9.62%
Card Trust COMT 96-3 COMT 97-1* COMT 97-2* COMT 98-1 COMT 98-2* COMT 98-3* Deal Size $500MM $608MM $502MM $591MM $502MM $464MM Expected Maturity(Class A): 1/15/04 6/15/02 8/15/02 4/15/08 8/10/99 8/16/01 (NON-US (NON-US (NON-US (NON-US TRANSACTION) TRANSACTION) TRANSACTION) TRANSACTION) - ---------------------------------------------------------------------------------------------------------------------------------- Excess Spread: Portfolio Yield 21.33% 21.33% 21.33% 21.33% 21.33% 21.33% LESS: (Wt Avg) Coupon 5.67% 5.28% 5.48% 6.34% 5.43% 6.06% SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% Charge-Offs 4.68% 4.68% 4.68% 4.68% 4.68% 4.68% Excess Spread: Dec-98 9.48% 9.87% 9.67% 8.81% 9.72% 9.09% Nov-98 8.64% 8.60% 8.61% 7.89% 8.87% 8.55% Oct-98 8.45% 8.52% 8.30% 7.58% 8.69% 7.70% 3-Mo Avg Excess Spread 8.86% 9.00% 8.86% 8.09% 9.09% 8.45% - ---------------------------------------------------------------------------------------------------------------------------------- Delinquents: 30 to 59 days 1.77% 1.77% 1.77% 1.77% 1.77% 1.77% 60 to 89 days 1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 90+ days 2.16% 2.16% 2.16% 2.16% 2.16% 2.16% Monthly Payment Rate 9.62% 9.62% 9.62% 9.62% 9.62% 9.62% Card Trust COMT 98-4 Deal Size $750MM Expected Maturity(Class A): 11/15/03 - ----------------------------------------------------------------- Excess Spread: Portfolio Yield 21.33% LESS: (Wt Avg) Coupon 5.63% SVC Fees 1.50% Charge-Offs 4.68% Excess Spread: Dec-98 9.52% Nov-98 8.99% Oct-98 8.20% 3-Mo Avg Excess Spread 8.90% - ----------------------------------------------------------------- Delinquents: 30 to 59 days 1.77% 60 to 89 days 1.09% 90+ days 2.16% Monthly Payment Rate 9.62%
* 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: October excess spread number for Series 1998-4 is a proforma number Capital One Master Trust performance statistics are also available at the Capital One web site: http://www.capitalone.com (Under "For Investors" section) Page 42 of 42 -----END PRIVACY-ENHANCED MESSAGE-----