<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 10-K
Annual Report Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
For the fiscal year ended December 31, 1998 Commission file number 0-23750
CAPITAL ONE MASTER TRUST
CAPITAL ONE BANK
------------------------------------------------------
(Exact name of registrant as specified in its charter)
Virginia 54-1719855
- ---------------------------------- ---------------------------------------
(State or other jurisdiction of (I.R.S. Employer Identification No.)
incorporation or organization)
11013 West Broad Street, Glen Allen , Virginia 23060
- ---------------------------------------------- -----
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code 804 967-1000
------------
Securities registered pursuant to Section 12(b) of the Act:
None
Securities registered pursuant to Section 12(g) of the Act:
<TABLE>
<S> <C>
Series 1993-1 Certificates Series 1993-4 Certificates
5.20% Class A Asset Backed Certificates, Series 1993-1 Floating Rate Class A Asset Backed Certificates, Series 1993-4
5.40% Class B Asset Backed Certificates, Series 1993-1 5.80% Class B Asset Backed Certificates, Series 1993-4
Series 1994-2 Certificates Series 1994-3 Certificates
Floating Rate Class A Asset Backed Certificates, Series 1994-2 Floating Rate Class A Asset Backed Certificates,Series 1994-3
6.95% Class B Asset Backed Certificates, Series 1994-2 7.35% Class B Asset Backed Certificates, Series 1994-3
Series 1995-1 Certificates Series 1995-3 Certificates
Floating Rate Class A Asset Backed Certificates, Series 1995-1 Floating Rate Class B Asset Backed Certificates, Series 1995-3
Series 1995-4 Certificates Series 1996-2 Certificates
Floating Rate Class A Asset Backed Certificates, Series 1995-4 Floating Rate Class A Asset Backed Certificates, Series 1996-2
Series 1996-3 Certificates Series 1997-1 Certificates
Floating Rate Class A Asset Backed Certificates, Series 1996-3 Floating Rate Class A Asset Backed Certificates, Series 1997-1
Series 1997-2 Certificates Series 1998-1 Certificates
Floating Rate Class A Asset Backed Certificates, Series 1997-2 6.310% Class A Asset Backed Certificates
Series 1998-2 Certificates Series 1998-3 Certificates
7.625% Class A Asset Backed Certificates 7.25% Class A Asset Backed Certificates
Series 1998-4 Certificates
5.43% Class A Rate Asset Backed Certificates
</TABLE>
Page 1 of 33
<PAGE>
Securities to be registered pusuant to Section 12(g) of the Act:
None
<PAGE>
Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
Yes X No
---- ----
Registrant does not have any voting stock.
Registrant has not been involved in bankruptcy proceedings during the
preceding five years.
Registrant is not reporting as a corporate issuer.
No documents have been incorporated by reference into this Form 10K.
THE EXHIBIT INDEX APPEARS ON PAGE 8
-3-
<PAGE>
Part I
Item 1. Business.
- ------ --------
Not Applicable.
Item 2. Properties.
- ------ ----------
Not Applicable.
Item 3. Legal Proceedings.
- ------ -----------------
The registrant knows of no material pending legal proceedings with
respect to the Trust, involving the Trust, the Trustee, the Trust
Assets or Capital One Bank.
Item 4. Submission of Matters to a Vote of Security Holders.
- ------ ---------------------------------------------------
No matter was submitted during the fiscal year covered by this report
to a vote of Certificateholders.
Part II
Item 5. Market for Registrant's Common Equity and Related Stockholder
- ------ -------------------------------------------------------------
Matters.
-------
(a) To the best knowledge of the registrant, there is no established
public trading market for the Certificates.
(b) As of February 28, 1998, there were 23 investor
Certificateholders of record. 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.
(c) Not Applicable.
Item 6. Selected Financial Data.
- ------ -----------------------
Not Applicable.
Item 7. Management's Discussion and Analysis of Financial Condition and
- ------ ---------------------------------------------------------------
Results of Operations.
---------------------
Not Applicable
Item 8. Financial Statements and Supplementary Data.
- ------ -------------------------------------------
Not Applicable.
Item 9. Changes in and Disagreements With Accountants on Accounting and
- ------ ---------------------------------------------------------------
Financial Disclosure.
--------------------
None.
-4-
<PAGE>
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 1997, or any currently proposed transaction or series of transactions, in
an amount exceeding $60,000, involving the Trust in which any Certificateholder
identified in item 12(a) or any other beneficial owner of more than five percent
of the Certificates known to the registrant had or will have a direct or
indirect material interest. There are no persons of the types described in Item
404(a)(1), (2) and (4) of Regulation S-K.
(b) Not Applicable.
(c) Not Applicable.
Part IV
Item 14. Exhibits, Financial Statement Schedules, and Reports On Form 8-K.
- ------- ----------------------------------------------------------------
(a) Exhibits.
--------
Exhibit 99.0 Capital One Master Trust Aggregated
Data for 1998
Exhibit 99.1 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(e) of the Series 1993-1
Supplement.
Exhibit 99.2 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(e) of the Series 1993-4
Supplement.
Exhibit 99.3 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(e) of the Series 1994-3
Supplement.
Exhibit 99.4 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(e) of the Series 1994-A
Supplement.
Exhibit 99.5 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(e) of the Series 1995-1
Supplement.
-5-
<PAGE>
Exhibit 99.6 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(e) of the Series 1995-2
Supplement.
Exhibit 99.7 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(c) of the Series 1995-3
Supplement.
Exhibit 99.8 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1995-4
Supplement.
Exhibit 99.9 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(f) of the Series 1996-2
Supplement.
Exhibit 99.10 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1996-3
Supplement.
Exhibit 99.11 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1997-1
Supplement.
Exhibit 99.12 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1997-2
Supplement.
Exhibit 99.13 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1998-1
Supplement.
Exhibit 99.14 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1998-2
Supplement.
Exhibit 99.15 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1998-3
Supplement.
Exhibit 99.16 Annual Certificateholders' Statement
delivered pursuant to Section
5.02(d) of the Series 1998-4
Supplement.
- -----------
(b) Reports on Form 8-K. The following Current Reports on Form
-------------------
8-K were filed by the registrant relating to 1997: Current
Reports on Form 8-K dated February 17, 1997, March 17, 1997,
April 15, 1997, May 15, 1997, June 16, 1997, July 15, 1997,
August 15, 1997, September 15, 1997, October 15, 1997,
November 17, 1997, December 15, 1997 and January 15, 1998.
-6-
<PAGE>
SIGNATURES
----------
Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.
Capital One Master Trust
------------------------------------
(Registrant)
By: Capital One Bank
------------------------------------
(Seller and Servicer)
Dated: March 31, 1999 By: /s/ David M. Willey
-------------------------------------
David M. Willey
Senior Vice President and Treasurer
-7-
<PAGE>
EXHIBIT INDEX
-------------
<TABLE>
<CAPTION>
Sequential
Exhibit No. Page No.
- ----------- --------
<S> <C> <C>
99.0 Capital One Master Trust Aggregated Data for 1998 9
99.1 Annual Certificateholders' Statement delivered pursuant to 10
Section 5.02(e) of the Series 1993-1 Supplement.
99.2 Annual Certificateholders' Statement delivered pursuant to 12
Section 5.02(e) of the Series 1993-4 Supplement.
99.3 Annual Certificateholders' Statement delivered pursuant to 14
Section 5.02(e) of the Series 1994-3 Supplement.
99.4 Annual Certificateholders' Statement delivered pursuant to 16
Section 5.02(e) of the Series 1994-A Supplement.
99.5 Annual Certificateholders' Statement delivered pursuant to 17
Section 5.02(e) of the Series 1995-1 Supplement.
99.6 Annual Certificateholders' Statement delivered pursuant to 19
Section 5.02(e) of the Series 1995-2 Supplement.
99.7 Annual Certificateholders' Statement delivered pursuant to 21
Section 5.02(c) of the Series 1995-3 Supplement.
99.8 Annual Certificateholders' Statement delivered pursuant to 23
Section 5.02(d) of the Series 1995-4 Supplement.
99.9 Annual Certificateholders' Statement delivered pursuant to 25
Section 5.02(f) of the Series 1996-2 Supplement.
99.10 Annual Certificateholders' Statement delivered pursuant to 27
Section 5.02(d) of the Series 1996-3 Supplement.
99.11 Annual Certificateholders' Statement delivered pursuant to 29
Section 5.02(d) of the Series 1997-1 Supplement.
99.12 Annual Certificateholders' Statement delivered pursuant to 31
Section 5.02(d) of the Series 1997-2 Supplement.
99.13 Annual Certificateholders' Statement delivered pursuant to 33
Section 5.02(d) of the Series 1998-1 Supplement.
99.14 Annual Certificateholders' Statement delivered 35
pursuant to Section 5.02(d) of the Series 1998-2
Supplement.
99.15 Annual Certificateholders' Statement delivered 37
pursuant to Section 5.02(d) of the Series 1998-3
Supplement.
99.16 Annual Certificateholders' Statement delivered 39
pursuant to Section 5.02(d) of the Series 1998-4
Supplement.
</TABLE>
-8-
<PAGE>
Exhibit 99.0
Capital One Master Trust Aggregated Data for 1998
Defaults $ 736,712,825.18
Total Collections 12,892,544,427.03
Collections of Principal Receivables 10,870,605,662.29
Collections of Finance Charge Receivables 2,021,938,764.74
(includes amortization of annual membership
fees)
Monthly Servicing Fee Paid 157,452,876.95
Aggregate amount paid to Certificateholders 554,346,185.20
allocable to interest
Aggegate amount paid to Certificateholders 1,596,597,205.90
allocable to principal
Class A Investor Charge-Offs 0
Class B Investor Charge-Offs 0
Class C Investor Charge-Offs 0
Reductions in Collateral Indebtedness Interest $ 50,347,205.90
<PAGE>
Exhibit 99.1
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(e) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1993-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class A Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to
Class A Certificateholders, per
$1,000 interest $ 43.33333
-----------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class
A Certificates, per $1,000 interest $ 1,000.00000
----------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class
A Certificates, per $1,000 interest $ 1,043.33333
-----------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ---------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(e) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1993-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class B Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to
Class B Certificateholders, per
$1,000 interest $ 54.00000
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class
B certificates, per $1,000 interest $ 1,000.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class B
Certificates, per $1,000 interest $ 1,054.00000
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- -----------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.2
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(e) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1993-4
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class A Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to
Class A Certificateholders, per
$1,000 interest $ 59.51439
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class
A Certificates, per $1,000 interest $ 0.00000
--------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class
A Certificates, per $1,000 interest $ 59.51439
-------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- -----------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(e) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1993-4
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class B Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to
Class B Certificateholders, per
$1,000 interest $ 57.99999
------------------
2. The amount of the distribution
set forth in paragraph 1 above in
respect of principal on the Class
B Certificates, per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class
B Certificates, per $1,000 interest $ 57.99999
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
-------------------------------- ----------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.3
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(e) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1994-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class A Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 59.00745
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class A
Certificates, per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class A
Certificates, per $1,000 interest $ 59.00745
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ---------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(e) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1994-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class B Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 73.50000
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class
B Certificates, per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class B
Certificates, per $1,000 interest $ 73.50000
-------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
-------------------------------- ----------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.4
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(c) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1994-A
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. All capitalized terms used herein
shall have the respective meanings set forth in the Pooling and Servicing
Agreement.
A. Information Regarding Distributions
to Class A Certificateholders.
1. January 1, 1998 Invested Amount balance. $ 1,000,000,000.00
---------------------
2. The total amount of principal
distributed to Class A
Certificateholders in, 1998. $ 700,000,000.00
---------------------
3. The total amount of Invested Amount
Increases in 1998. $ 1,127,000,000.00
---------------------
4. December 31, 1998 Invested Amount
balance. $ 1,427,000,000.00
----------------------
5. The amount distributed in respect
of interest on the Class A
Certificates. $ 61,672,756.64
---------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------ -------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.5
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class A Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to
Class A Certificateholders, per
$1,000 interest $ 58.90606
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class A
Certificates, per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class A
Certificates, per $1,000 interest $ 58.90606
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ----------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class B Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to
Class B Certificateholders, per
$1,000 interest $ 60.02134
--------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class B
Certificates, per $1,000 interest $ 0.00000
--------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class B
Certificates, per $1,000 interest $ 60.020134
--------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
----------------------------- --------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.6
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(f) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to
Class A Certificateholders (Stated on
the basis of $1,000 original principal
amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 39.46704
------------------
2. The amount of the distribution set
forth in paragraph 1 above in respect
of principal on the Class A
Certificates, per $1,000 interest $ 1,000.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class A
Certificates, per $1,000 interest $ 1,039.46704
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- -------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(f) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to
Class B Certificateholders (Stated on
the basis of $1,000 original principal
amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 49.77824
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class B
Certificates, per $1,000 interest $ 1,000.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class B
Certificates, per $1,000 interest $ 1,049.77824
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
-------------------------------- ---------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.7
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class A Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 58.50050
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class
A Certificates, per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class
A Certificates, per $1,000 interest $ 58.50050
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
-------------------------------- -----------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to
Class B Certificateholders (Stated on
the basis of $1,000 original principal
amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 59.61578
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 59.61578
-----------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ---------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.8
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-4
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to
Class A Certificateholders (Stated on
the basis of $1,000 original principal
amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 34.03583
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 1,000.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 1,034.03583
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
-------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1995-4
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions
to Class B Certificateholders
(Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 34.71130
------------------
2. The amount of the distribution set
forth in paragraph 1 above in
respect of principal on the Class B
Certificates, per $1,000 interest $ 1,000.00000
------------------
3. The amount of the distribution set
forth in paragraph 1 above in
respect of interest on the Class B
Certificates, per $1,000 interest $ 1,034.71130
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
-------------------------------- ---------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.9
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1996-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 57.99356
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 57.99356
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1996-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 60.32550
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 60.32550
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.10
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1996-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 58.19633
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 58.19633
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1996-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 60.62967
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 60.62967
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.11
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1997-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 57.51875
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 57.51875
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1997-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 60.02134
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 60.02134
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.12
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1997-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 58.34072
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 58.34072
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1997-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 57.52655
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 57.52655
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.13
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 54.52055
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 54.52055
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-1
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 44.84511
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 44.84511
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.14
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 20.58425
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 20.58425
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-2
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 21.53564
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 21.53564
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.15
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 22.31437
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 22.31437
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-3
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 21.84008
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 21.84008
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
Exhibit 99.16
1998 CLASS A ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-4
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class A Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class A
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class A
Certificateholders, per $1,000 interest $ 4.22333
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class A Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class A Certificates,
per $1,000 interest $ 4.22333
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
<PAGE>
1998 CLASS B ANNUAL CERTIFICATEHOLDER'S STATEMENT
(To be delivered by the Paying Agent
each Calendar Year pursuant to
subsection 5.02(d) of the Pooling
and Servicing Agreement)
CAPITAL ONE BANK
CAPITAL ONE MASTER TRUST 1998-4
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of September 30, 1993, between Capital One Bank (formerly
Signet Bank/Virginia), as Transferor and Servicer, and The Bank of New York, as
Trustee, the Servicer is required each year to prepare certain information
regarding distributions to Class B Certificateholders. The information which is
required to be prepared with respect to the distributions made during the
preceding calendar year is set forth below. The information is presented on the
basis of an original principal amount of $1,000 per Class B Certificate. All
capitalized terms used herein shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
A. Information Regarding Distributions to Class B
Certificateholders (Stated on the basis of $1,000
original principal amount).
1. The total amount distributed to Class B
Certificateholders, per $1,000 interest $ 4.61052
------------------
2. The amount of the distribution set forth
in paragraph 1 above in respect of
principal on the Class B Certificates,
per $1,000 interest $ 0.00000
------------------
3. The amount of the distribution set forth
in paragraph 1 above in respect of
interest on the Class B Certificates,
per $1,000 interest $ 4.61052
------------------
CAPITAL ONE BANK HARRIS TRUST
as Servicer, as Paying Agent,
By: /s/ Charles Kim By: /s/ Keith Richardson
------------------------------- ------------------------------
Name: Charles Kim Name: Keith Richardson
Title: Director of Securitization Title:
