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CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD: OCTOBER 1996
Beginning of the Month Principal Receivables: 9,014,022,802.71
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Beginning of the Month Finance Charge Receivables: 188,874,394.06
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Beginning of the Month Discounted Receivables: 0.00
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Beginning of the Month Total Receivables: 9,202,897,196.77
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Removed Principal Receivables: 0.00
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Removed Finance Charge Receivables: 0.00
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Removed Total Receivables: 0.00
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Additional Principal Receivables: 0.00
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Additional Finance Charge Receivables: 0.00
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Additional Total Receivables: 0.00
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Discounted Receivables Generated this Period 0.00
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End of the Month Principal Receivables: 8,924,344,797.92
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End of the Month Finance Charge Receivables: 189,880,308.85
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End of the Month Discounted Receivables: 0.00
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End of the Month Total Receivables: 9,114,225,106.77
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Excess Funding Account Balance 0.00
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Invested Amount of all Master Trust Series 7,870,067,012.58
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End of the Month Seller Percentage 11.813504%
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: OCTOBER 1996 ACCOUNTS RECEIVABLES
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End of the Month Delinquencies:
30 - 59 Days Delinquent 54,535 145,712,919.94
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60 - 89 Days Delinquent 30,153 89,258,728.20
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90 + Days Delinquent 68,478 199,871,985.76
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Total 30 + Days Delinquent 153,166 434,843,633.90
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 4.77%
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Defaulted Accounts During the Month 14,837 42,469,768.94
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 5.65%
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD: OCTOBER 1996 COLLECTIONS PERCENTAGES
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Total Collections and Gross Payment Rate 823,660,166.64 8.95%
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Collections of Principal Receivables and Principal Payment Rate 704,124,656.26 7.81%
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Prior Month Billed Finance Charge and Fees 108,853,497.06
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Amortized AMF Income 3,782,281.61
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Interchange Collected 4,843,890.00
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Recoveries of Charged Off Accounts 2,753,700.79
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Collections of Discounted Receivables 0.00
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Collections of Finance Charge Receivables and Annualized Yield 120,233,369.46 16.01%
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD: OCTOBER 1996
Beginning Unamortized AMF Balance 20,393,073.26
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+ AMF Slug for Added Accounts 0.00
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+ AMF Collections 3,084,422.53
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- Amortized AMF Income 3,782,281.61
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Ending Unamortized AMF Balance 19,695,214.18
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CAPITAL ONE MASTER TRUST (DISCOUNTED RECEIVABLES)
MONTHLY PERIOD: OCTOBER 1996
Gross Principal Payment Rate 7.81%
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May 17, 1994 3% Discount of Addition 50,184,973.92
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Total Discounted Receivables Collections as of Beginning of Month 50,184,973.92
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Collections of Discounted Receivables Current Month 0.00
Discounted Receivables to be Collected --------------- 0.00
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CAPITAL ONE BANK
as Servicer
By: /s/ John Schmohl
-----------------------------
Name: John Schmohl
Title: Director of External Reporting
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