-----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, WpSGVqgvNshMjOV+wGCRLwyFVmei5HhGinY/rvMI63GVMhv3OJcfrKknyXeA/MGf tt8LjuAywPw9aYwiyOQlGg== 0000950133-02-000721.txt : 20020414 0000950133-02-000721.hdr.sgml : 20020414 ACCESSION NUMBER: 0000950133-02-000721 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 18 CONFORMED PERIOD OF REPORT: 19991231 FILED AS OF DATE: 20020227 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: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-25762 FILM NUMBER: 02559242 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 10-K 1 w57901ae10-k.txt FORM 10-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------- FORM 10-K Current Report Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 1999 CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Virginia 54-1719855 - ------------------------------- ------------------- (State or other jurisdiction of (IRS Employer incorporation) 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 Page 1 of 40 Securities registered pursuant to Section 12(b) of the Act: None Securities Registered pursuant to Section 12(g) of the act: Series 1993-4 Certificates Floating Rate Class A Asset Backed Certificates, Series 1993-4 5.8% Class B Asset Backed Certificates, Series 1993-4 Series 1994-3 Certificates Floating Rate Class A Asset Backed Certificates, Series 1994-3 7.35% Class B Asset Backed Certificates, Series 1994-3 Series 1995-1 Certificates Floating Rate Class A Asset Backed Certificates, Series 1995-1 Series 1995-3 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1995-3 Series 1996-1 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1996-1 Series 1996-2 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1996-2 Series 1996-3 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1996-3 Series 1997-1 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1997-1 Series 1997-2 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1997-2 Series 1998-1 Certificates 6.310% Class A Asset Backed Certificates, Series 1998-1 6.356% Class B Asset Backed Certificates, Series 1998-1 Series 1998-2 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1998-2 Page 2 of 40 Series 1998-3 Certificates 5.94% Class A Asset Backed Certificates, Series 1998-3 Series 1998-4 Certificates 5.43% Class A Asset Backed Certificates, Series 1998-4 Floating Rate Class B Asset Backed Certificates, Series 1998-4 Series 1999-1 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1999-1 Series 1999-2 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1999-2 Series 1999-3 Certificates Floating Rate Class A, Class B Asset Backed Certificates, Series 1999-3 Securities to be registered pursuant to Section 12(g) of the Act: None Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No ----- ----- Registrant does not have any voting stock. Registrant has not been involved in bankruptcy proceedings during the preceding five years. Registrant is not reporting as a corporate issuer. No documents have been incorporated by reference into this Form 10K. THE INDEX APPEARS ON PAGE 7 Page 3 of 40 Part I Item 1. Business Not Applicable. Item 2. Properties Not Applicable. Item 3. Legal Proceedings The registrant knows of no material pending legal proceedings with respect to the Trust, involving the Trust, the Trustee, the Trust Assets or Capital One Bank. Item 4. Submission of Matters to a Vote of Security Holders No matter was submitted during the fiscal year covered by this report to a vote of Certificateholders. Part II Item 5. Market for Registrant's Common Equity and Related Stockholder Matters To the best knowledge of the registrant, there is no established public trading market for the Certificates. (a) For purposes of this report, "Certificateholders" includes Class A Certificateholders, Class B Certificateholders, any holders of Class C Interest and holders of any Collateral Indebtedness Interest. (b) Not Applicable. Item 6. Selected financial Data Not Applicable. Item 7. Management's Discussion and Analysis of Financial condition and Results of Operations Not Applicable. Item 8. Financial Statements and Supplementary Data Not Applicable. Page 4 of 40 Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure None. Part III Item 10. Directors and Executive Officers of the Registrant Not Applicable. Item 11. Executive Compensation Not Applicable. Item 12. Security Ownership of Certain Beneficial Owners and Management (a) Not Applicable. (b) Not Applicable. (c) Not Applicable. Item 13. Certain Relationships and Related Transactions (a) The registrant knows of no transaction or series of transactions during 1999 or any currently proposed transaction or series of transactions, in an amount exceeding $60,000, involving the Trust in which any Certificateholder identified in item 12(a) or any other beneficial owner of more than five percent of Certificates known to the registrant had or will have a direct or indirect material interest. There are no persons of the types described in Item 404(a)(1), (2) and (4). (b) Not applicable (c) Not Applicable Part IV Item 14. Exhibits, Financial Statement Schedules, and Reports On Form 8-K Reports on Form 8-K. The following Current Reports on Form: 8-K were filed by the registrant relating to 1999: Current Reports on Form 8-K dated: January 15, 1999; February 16, 1999; March 15, 1999; April 15, 1999; May 17, 1999; June 16, 1999; July 15, 1999; August 16, 1999; September, 20, 1999; October 15, 1999; November 15, 1999; December 15, 1999. Page 5 of 40 SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Capital One Master Trust (Registrant) By: Capital One Bank (Seller and Servicer) By: /s/ David M. Willey --------------------------------- David M. Willey Senior Vice President and CFO Page 6 of 40
EXHIBIT INDEX PAGE NOS Exhibit 99.0 Capital One Master Trust Aggregated Data for 1999 9 Exhibit 99.1 Annual Certificateholders' Statement required to be 10 prepared pursuant to Series 1993-4 Supplement. Exhibit 99.2 Annual Certificateholders' Statement required to be 11 prepared pursuant to Series 1994-3 Supplement. Exhibit 99.3 Annual Certificateholders' Statement required to be 13 prepared pursuant to Series 1995-1 Supplement. Exhibit 99.4 Annual Certificateholders' Statement required to be 15 prepared pursuant to Series 1995-3 Supplement. Exhibit 99.5 Annual Certificateholders' Statement required to be 17 prepared pursuant to Series 1996-1 Supplement. Exhibit 99.6 Annual Certificateholders' Statement required to be 19 prepared pursuant to Series 1996-2 Supplement. Exhibit 99.7 Annual Certificateholders' Statement required to be 21 prepared pursuant to Series 1996-3 Supplement. Exhibit 99.8 Annual Certificateholders' Statement required to be 23 prepared pursuant to Series 1997-1 Supplement. Exhibit 99.9 Annual Certificateholders' Supplement required to be 25 prepared pursuant to Series 1997-2 Supplement. Exhibit 99.10 Annual Certificateholders' Statement required to be 27 prepared pursuant to Series 1998-1 Supplement. Exhibit 99.11 Annual Certificateholders' Statement required to be 29 prepared pursuant to Series 1998-2 Supplement.
Page 7 of 40 Exhibit 99.12 Annual Certificateholders' Statement required to be 31 prepared pursuant to Series 1998-3 Supplement. Exhibit 99.13 Annual Certificateholders' Statement required to be 33 prepared pursuant to Series 1998-4 Supplement. Exhibit 99.14 Annual Certificateholders' Statement required to be 35 prepared pursuant to Series 1999-1 Supplement. Exhibit 99.15 Annual Certificateholders' Statement required to be 37 prepared pursuant to Series 1999-2 Supplement. Exhibit 99.16 Annual Certificateholders' Statement required to be 39 prepared pursuant to Series 1999-3 Supplement.
Page 8 of 40 EX-99.0 3 w57901aex99-0.txt AGGREGATED DATA FOR 1999 Capital One Master Trust Aggregated Data for 1999 Exhibit 99.0 Defaults 609,703,540.35 Total Collections 17,510,011,368.39 Collections of Principal Receivables 14,979,247,775.10 Collection of Finance Charge Receivables (includes amortization of annual membership fees) 2,560,049,568.59 Annual Servicing Fee Paid 156,403,830.41 Aggregate amount paid to Certificateholders allocable to principal 1,136,980,925.11 Class A Investor Charge-Offs 0.00 Class B Investor Charge-Offs 0.00 Class C Investor Charge-Offs 0.00
Page 9 of 40 EX-99.1 4 w57901aex99-1.txt SERIES 1993-4 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.1 CAPITAL ONE MASTER TRUST SERIES 1993-4 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 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 ------------------ 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 per $1,000 Original Principal Amount. 1,009.6666665934 ------------------ 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. 9.6666665934 ------------------ 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. 1,000.0000000000 ------------------ 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 1993-4 Investor Certificateholder's Investment) 0.0000000000 ------------------
Page 10 of 40 EX-99.2 5 w57901aex99-2.txt SERIES 1994-3 Exhibit 99.2 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT CAPITAL ONE MASTER TRUST SERIES 1994-3 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 per $1,000 Original Principal Amount 1,021.5659932867 ------------------ 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 21.5659932867 ------------------ 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 1,000.0000000000 ------------------ 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 1994-3 Investor Certificateholder's Investment) 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 per $1,000 Original Principal Amount. 1,042.8750008594 ------------------ 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. 42.8750008594 ------------------ 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. 1,000.0000000000 ------------------ 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 ------------------
Page 11 of 40 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 1994-3 Investor Certificateholder's Investment) 0.0000000000 ------------------
Page 12 of 40 EX-99.3 6 w57901aex99-3.txt SERIES 1995-1 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.3 CAPITAL ONE MASTER TRUST SERIES 1995-1 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 55.5857502778 --------------- 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 55.5857502778 --------------- 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 1995-1 Investor Certificateholder's Investment) 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 , per $1,000 Original Principal Amount. 56.7101948148 --------------- 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. 56.7101948148 --------------- 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 ---------------
Page 13 of 40 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 1995-1 Investor Certificateholder's Investment) 0.0000000000 ---------------
Page 14 of 40 EX-99.4 7 w57901aex99-4.txt SERIES 1995-3 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.4 CAPITAL ONE MASTER TRUST SERIES 1995-3 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 55.1768613810 ------------------ 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 55.1768613810 ------------------ 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 1995-3 Investor Certificateholder's Investment) 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 , per $1,000 Original Principal Amount. 56.3013058608 ------------------ 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. 56.3013058608 ------------------ 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 ------------------
Page 15 of 40 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 ------------------
Page 16 of 40 EX-99.5 8 w57901aex99-5.txt SERIES 1996-1 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.5 CAPITAL ONE MASTER TRUST SERIES 1996-1 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 53.9409105621 ------------------ 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 53.9409105621 ------------------ 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 , per $10,000 Original Principal Amount 539.4091056213 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 539.4091056213 ------------------ 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 , per $100,000 Original Principal Amount 5,394.0910562130 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 5,394.0910562130 ------------------ 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 ------------------ 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 ------------------
Page 17 of 40 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 ------------------ 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 , per $1,000 Original Principal Amount. 56.4035279927 ------------------ 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. 56.4035279927 ------------------ 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 ------------------
Page 18 of 40 EX-99.6 9 w57901aex99-6.txt SERIES 1996-2 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.6 CAPITAL ONE MASTER TRUST SERIES 1996-2 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 54.6657502833 ------------------ 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 54.6657502833 ------------------ 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 , per $10,000 Original Principal Amount 546.6575028333 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 546.6575028333 ------------------ 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 , per $100,000 Original Principal Amount 5,466.5750283333 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 5,466.5750283333 ------------------ 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 ------------------ 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 ------------------
Page 19 of 40 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 ------------------ 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 , per $1,000 Original Principal Amount. 57.0168615758 ------------------ 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. 57.0168615758 ------------------ 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 1996-2 Investor Certificateholder's Investment) 0.0000000000 ------------------
Page 20 of 40 EX-99.7 10 w57901aex99-7.txt SERIES 1996-3 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.7 CAPITAL ONE MASTER TRUST SERIES 1996-3 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 54.8701946750 ------------------ 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 54.8701946750 ------------------ 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 1996-3 Investor Certificateholder's Investment) 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 , per $1,000 Original Principal Amount. 57.3235281818 ------------------ 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. 57.3235281818 ------------------ 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 ------------------
Page 21 of 40 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1996-3 Investor Certificateholder's Investment) 0.0000000000 ------------------
Page 22 of 40 EX-99.8 11 w57901aex99-8.txt SERIES 1997-1 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.8 CAPITAL ONE MASTER TRUST SERIES 1997-1 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 53.1622127121 ------------------ 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 53.1622127121 ------------------ 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 , per $10,000 Original Principal Amount 531.6221271210 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 531.6221271210 ------------------ 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 , per $100,000 Original Principal Amount 5,316.2212712100 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 5,316.2212712100 ------------------ 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 ------------------ 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 ------------------
Page 23 of 40 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 ------------------ 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 , per $1,000 Original Principal Amount. 56.7101947758 ------------------ 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. 56.7101947758 ------------------ 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 ------------------
Page 24 of 40 EX-99.9 12 w57901aex99-9.txt SERIES 1997-2 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.9 CAPITAL ONE MASTER TRUST SERIES 1997-2 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 40.4602716977 ------------------ 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 40.4602716977 ------------------ 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 , per $10,000 Original Principal Amount 404.6027169770 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 404.6027169770 ------------------ 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 , per $100,000 Original Principal Amount 5,322.3021703900 ------------------ 2) The amount of the distribution set forth in paragraph 1 above in respect of interest on the Class A Certificates 5,322.3021703900 ------------------ 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 ------------------ 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 ------------------
Page 25 of 40 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 ------------------ 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 , per $1,000 Original Principal Amount. 21.9854377109 ------------------ 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. 21.9854377109 ------------------ 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 ------------------
Page 26 of 40 EX-99.10 13 w57901aex99-10.txt SERIES 1998-1 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.10 CAPITAL ONE MASTER TRUST SERIES 1998-1 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 63.1000000800 ------------------ 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 63.1000000800 ------------------ 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 ------------------ 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 , per $1,000 Original Principal Amount. 63.5599994243 ------------------ 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. 63.5599994243 ------------------ 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 ------------------
Page 27 of 40 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 ------------------
Page 28 of 40 EX-99.11 14 w57901aex99-11.txt SERIES 1998-2 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.11 CAPITAL ONE MASTER TRUST SERIES 1998-2 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 1,078.3680555600 ------------------ 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 78.3680555600 ------------------ 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 1,000.0000000000 ------------------ 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 ------------------ 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 , per $1,000 Original Principal Amount. 1,030.3752990773 ------------------ 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. 30.3752990773 ------------------ 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. 1,000.0000000000 ------------------ 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 ------------------
Page 29 of 40 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 ------------------
Page 30 of 40 EX-99.12 15 w57901aex99-12.txt SERIES 1998-3 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.12 CAPITAL ONE MASTER TRUST SERIES 1998-3 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 75.7222222400 ------------------ 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 75.7222222400 ------------------ 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 ------------------ 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 , per $1,000 Original Principal Amount. 55.9946395502 ------------------ 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. 55.9946395502 ------------------ 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 ------------------
Page 31 of 40 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 ------------------
Page 32 of 40 EX-99.13 16 w57901aex99-13.txt SERIES 1998-4 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.13 CAPITAL ONE MASTER TRUST SERIES 1998-4 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 , per $1,000 Original Principal Amount 54.3000000950 ------------------ 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 54.3000000950 ------------------ 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 ------------------ 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 , per $1,000 Original Principal Amount. 60.2879723333 ------------------ 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. 60.2879723333 ------------------ 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 ------------------
Page 33 of 40 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 ------------------
Page 34 of 40 EX-99.14 17 w57901aex99-14.txt SERIES 1999-1 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.14 CAPITAL ONE MASTER TRUST SERIES 1999-1 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 December 15, 1999 per $1,000 Original Principal Amount 33.7603124800 ------------------ 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 33.7603124800 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 5) The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------
Page 35 of 40 1) The total amount of the distribution to Class B Certificateholders on December 15, 1999 per $1,000 Original Principal Amount. 34.9658683200 ------------------ 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. 34.9658683200 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-1 Investor Certificateholder's Investment) 0.0000000000 ------------------ 5) The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date 0.0000000000 ------------------
Page 36 of 40 EX-99.15 18 w57901aex99-15.txt SERIES 1999-2 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.15 CAPITAL ONE MASTER TRUST SERIES 1999-2 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 per $1,000 Original Principal Amount 33.5379514000 ------------------ 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 33.5379514000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-2 Investor Certificateholder's Investment) 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount) 0.0000000000 ------------------ 1) The total amount of the distribution to Class B Certificateholders per $1,000 Original Principal Amount. 34.6179513600 ------------------ 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. 34.6179513600 ------------------ 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 ------------------
Page 37 of 40 D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-2 Investor Certificateholder's Investment) 0.0000000000 ------------------
Page 38 of 40 EX-99.16 19 w57901aex99-16.txt SERIES 1999-3 1999 ANNUAL CERTIFICATEHOLDER'S STATEMENT Exhibit 99.16 CAPITAL ONE MASTER TRUST SERIES 1999-3 Under the 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 regarding distributions to Certificateholders. The information which is required to be prepared with respect to the distributions made during the preceding calendar year 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 per $1,000 Original Principal Amount 28.2467013750 ------------------ 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 28.2467013750 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class A Certificates, per $1,000 Original Principal Amount 0.0000000000 ------------------ B) Class A Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class A Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-3 Investor Certificateholder's Investment) 0.0000000000 ------------------ C) Information Regarding Distributions to the Class B Certificateholders (Stated on the Basis of $1,000 Original Principal Amount)
Page 39 of 40 1) The total amount of the distribution to Class B Certificateholders on December 15, 1999 per $1,000 Original Principal Amount. 29.3647570000 ------------------ 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. 29.3647570000 ------------------ 3) The amount of the distribution set forth in paragraph 1 above in respect of principal of the Class B Certificates, per $1,000 Original Principal Amount. 0.0000000000 ------------------ D) Class B Investor Charge Off's and Reimbursement of Charge Off's 1) The amount of Class B Investor Charge Off's 0.0000000000 ------------------ 2) The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000 Original Principal Amount 0.0000000000 ------------------ 3) The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's 0.0000000000 ------------------ 4) The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount (which will have the effect of increasing, pro rata, the amount of each Series 1999-3 Investor Certificateholder's Investment) 0.0000000000 ------------------
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