1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------------- FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report: December 15, 2000 ----------------- CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Virginia 0-25762 54-1719855 - ---------------------------- ---------------- -------------------- (State or other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 11013 West Broad Street Road, Glen Allen, Virginia 23060 - -------------------------------------------------- ---------- (Address of principal executive offices) (Zip Code) (Registrant's telephone number, including area code): (804) 967-1000 (Former name or former address, if changed since last report): Not Applicable Page 1 of 45 2 ITEM 5. OTHER EVENTS The November 2000 monthly Certificateholder's Statements to investors were distributed December 15, 2000. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. November Performance Summary 2. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of November 2000. 3. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of November 2000. 4. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of November 2000. 5. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of November 2000. 6. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of November 2000. 7. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of November 2000. 8. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of November 2000. 9. Series 1998-4 Class A and Class B Certificateholder's Statements for the month of November 2000. 10. Series 1999-1 Class A and Class B Certificateholdefor the month of November 2000 11. Series 1999-2 Class A and Class B Certificateholdefor the month of November 2000 12. Series 1999-3 Class A and Class B Certificateholdefor the month of November 2000 13. Series 2000-1 Class A and Class B Certificateholder's Statements for the month of November 2000 14. Series 2000-2 Class A and Class B Certificateholder's Statements for the month of November 2000 15. Series 2000-3 Class A and Class B Certificateholder's Statements for the month of November 2000 16. Series 2000-4 Class A and Class B Certificateholder's Statements for the month of November 2000 17. Series 2000-5 Class A and Class B Certificateholder's Statements for the month of November 2000 Page 2 of 45 3 18. Trust Excess Spread Analysis SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned there-unto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey ---------------------------- David M. Willey Senior Vice President of Corporate Financial Management Date: December 15, 2000 Page 3 of 45 4 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ------------------------- EXHIBITS TO FORM 8-K CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Page 4 of 45 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------- -------- ------------ 1 November Performance Summary 07 2 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of November 2000 09 3 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of November 2000 11 4 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of November 2000 13 5 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of November 2000 15 6 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of November 2000 17 7 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of November 2000 20 8 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of November 2000 22 9 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of November 2000 25 10 Series 1999-1 Class A and Class B Certificate- holder's Statements for the month of November 2000 28 11 Series 1999-2 Class A and Class B Certificate- holder's Statements for the month of November 2000 31 12 Series 1999-3 Class A and Class B Certificate- holder's Statements for the month of November 2000 33 13 Series 2000-1 Class A and Class B Certificate- holder's Statements for the month of November 2000 35 14 Series 2000-2 Class A and Class B Certificate- Page 5 of 45 6 holder's Statements for the month of November 2000 37 15 Series 2000-3 Class A and Class B Certificate- holder's Statements for the month of November 2000 39 16 Series 2000-4 Class A and Class B Certificate- holder's Statements for the month of November 2000 41 17 Series 2000-5 Class A and Class B Certificate- holder's Statements for the month of November 2000 43 18 Trust Excess Spread Analysis 45 Page 6 of 45