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CAPITAL ONE MASTER TRUST
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Trust Excess Spread Analysis - September-00
Card Trust COMT 96-1* COMT 96-2 COMT 96-3 COMT 97-1* COMT 97-2* COMT 98-1 COMT 98-3*
Deal Size $845MM $750MM $500MM $608MM $502MM $591MM $464MM
Expected Maturity(Class A): 8/15/01 12/15/01 1/15/04 6/15/02 8/15/02 4/15/08 08/16/01
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<S> <C> <C> <C> <C> <C> <C> <C>
Excess Spread:
Portfolio Yield 21.53% 21.53% 21.53% 21.53% 21.53% 21.53% 21.53%
LESS: (Wt Avg) Coupon 6.77% 6.72% 6.75% 6.65% 6.72% 6.42% 6.24%
SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
Charge-Offs 2.63% 2.63% 2.63% 2.63% 2.63% 2.63% 2.63%
Excess Spread: Oct-00 10.63% 10.68% 10.65% 10.75% 10.68% 10.98% 11.16%
Sep-00 10.63% 10.68% 10.65% 10.75% 10.68% 10.98% 11.16%
Aug-00 12.80% 12.85% 12.82% 12.80% 12.85% 13.15% 13.33%
3-Mo Avg Excess Spread 11.35% 11.40% 11.37% 11.43% 11.40% 11.70% 11.88%
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Delinquents: 30 to 59 days 1.34% 1.34% 1.34% 1.34% 1.34% 1.34% 1.34%
60 to 89 days 0.83% 0.83% 0.83% 0.83% 0.83% 0.83% 0.83%
90+ days 1.65% 1.65% 1.65% 1.65% 1.65% 1.65% 1.65%
Monthly Payment Rate 17.12% 17.12% 17.12% 17.12% 17.12% 17.12% 17.12%
Card Trust COMT 98-4 COMT 99-1 COMT 99-2 COMT 99-3 COMT 00-1 COMT 00-2 COMT 00-3
Deal Size $750MM $625MM $625MM $500MM $600MM $750MM $1000MM
Expected Maturity(Class A): 11/15/03 05/15/04 05/15/02 07/15/06 02/17/03 06/15/05 08/15/07
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Excess Spread:
Portfolio Yield 21.53% 21.53% 21.53% 21.53% 21.53% 21.53% 21.53%
LESS: (Wt Avg) Coupon 5.80% 6.68% 6.75% 6.84% 7.16% 6.76% 5.05%
SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 2.00% 2.00%
Charge-Offs 2.63% 2.63% 2.63% 2.63% 2.63% 2.63% 2.63%
Excess Spread: Oct-00 11.60% 10.72% 10.65% 10.56% 10.24% 10.14% 11.85%
Sep-00 11.60% 10.72% 10.65% 10.56% 10.24% 10.14% 11.85%
Aug-00 13.77% 12.89% 12.83% 12.73% 12.41% 12.31% 14.02%
3-Mo Avg Excess Spread 12.32% 11.44% 11.38% 11.28% 10.96% 10.86% 12.57%
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Delinquents: 30 to 59 days 1.34% 1.34% 1.34% 1.34% 1.34% 1.34% 1.34%
60 to 89 days 0.83% 0.83% 0.83% 0.83% 0.83% 0.83% 0.83%
90+ days 1.65% 1.65% 1.65% 1.65% 1.65% 1.65% 1.65%
Monthly Payment Rate 17.12% 17.12% 17.12% 17.12% 17.12% 17.12% 17.12%
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This material is for informational purposes only and is not an offer of
securities for sale in the United States. These securities will not be and have
not been registered under the Securities Act of 1933 and may not be offered or
sold in the United States absent registration or an applicable exemption from
the registration requirements.
Comments:
Capital One Master Trust performance statistics are also available at the
Capital One web site: http://www.capitalone.com (Under "For Investors" section)
* Represents Non-US Denominated Transactions
Note: Series 1995-3 paid out on October 16, 2000.
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