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CAPITAL ONE MASTER TRUST
TRUST EXCESS SPREAD ANALYSIS - DECEMBER-00
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Card Trust COMT 96-1* COMT 96-2 COMT 96-3 COMT 97-1* COMT 97-2* COMT 98-1 COMT 98-3* COMT 98-4
Deal Size $845MM $750MM $500MM $608MM $502MM $591MM $486MM $750MM
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 11/15/03
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<S> <C> <C> <C> <C> <C> <C> <C> <C>
Excess Spread:
Portfolio Yield 21.70% 21.70% 21.70% 21.70% 21.70% 21.70% 21.70% 21.70%
LESS: (Wt Avg) Coupon 6.79% 6.75% 6.78% 6.54% 6.74% 6.44% 6.45% 5.86%
SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
Charge-Offs 2.60% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60%
Excess Spread: Dec-00 10.81% 10.85% 10.82% 11.06% 10.86% 11.16% 11.15% 11.74%
Nov-00 10.02% 10.14% 10.11% 10.21% 10.07% 10.52% 10.88% 11.16%
Oct-00 11.27% 11.33% 11.30% 11.40% 11.32% 11.71% 12.07% 12.35%
3-Mo Avg Excess Spread 10.70% 10.77% 10.74% 10.89% 10.75% 11.13% 11.37% 11.75%
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Delinquents: 30 to 59 days 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45%
60 to 89 days 0.92% 0.92% 0.92% 0.92% 0.92% 0.92% 0.92% 0.92%
90+ days 1.69% 1.69% 1.69% 1.69% 1.69% 1.69% 1.69% 1.69%
Monthly Payment Rate 16.32% 16.32% 16.32% 16.32% 16.32% 16.32% 16.32% 16.32%
Card Trust COMT 99-1 COMT 99-2 COMT 99-3 COMT 00-1 COMT 00-2 COMT 00-3 COMT 00-4 COMT 00-5
Deal Size $625MM $625MM $500MM $600MM $750MM $1000MM $1200MM $1250MM
Expected Maturity(Class A): 05/15/04 05/15/02 07/15/06 02/17/03 06/15/05 08/15/07 10/17/05 10/15/03
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Excess Spread:
Portfolio Yield 21.70% 21.70% 21.70% 21.70% 21.70% 21.70% 21.70% 21.70%
LESS: (Wt Avg) Coupon 6.68% 6.78% 6.84% 7.16% 6.76% 6.36% 5.89% 5.81%
SVC Fees 1.50% 1.50% 1.50% 1.50% 2.00% 2.00% 2.00% 2.00%
Charge-Offs 2.60% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60%
Excess Spread: Dec-00 10.92% 10.82% 10.76% 10.44% 10.34% 10.74% 11.21% 11.29%
Nov-00 10.16% 10.11% 9.99% 9.76% 9.66% 9.97% 10.07% 11.82%
Oct-00 11.35% 11.30% 11.18% 10.95% 10.85% 11.16% 13.04% N/A
3-Mo Avg Excess Spread 10.81% 10.74% 10.64% 10.38% 10.28% 10.62% 11.44% N/A
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Delinquents: 30 to 59 days 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45%
60 to 89 days 0.92% 0.92% 0.92% 0.92% 0.92% 0.92% 0.92% 0.92%
90+ days 1.69% 1.69% 1.69% 1.69% 1.69% 1.69% 1.69% 1.69%
Monthly Payment Rate 16.32% 16.32% 16.32% 16.32% 16.32% 16.32% 16.32% 16.32%
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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
