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:
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: