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: November 15, 1996 ----------------- 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 of (Commission (IRS Employer 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 2 ITEM 5. OTHER EVENTS. The October 1996 monthly Certificateholders Statements to investors were distributed November 15, 1996. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 28: 1. October Performance Summary 2. Series 1993-1 Class A and Class B Certificateholder's Statements for the month of October 1996. 3. Series 1993-3 Class A and Class B Certificateholder's Statements for the month of October 1996. 4. Series 1993-4 Class A and Class B Certificateholder's Statements for the month of October 1996. 5. Series 1994-2 Class A and Class B Certificateholder's Statements for the month of October 1996. 6. Series 1994-3 Class A and Class B Certificateholder's Statements for the month of October 1996. 7. Series 1994-4 Class A and Class B Certificateholder's Statements for the month of October 1996. 8. Series 1994-A Certificateholders' Statement for the month of October 1996. 9. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of October 1996. 10. Series 1995-2 Class A and Class B Certificateholder's Statements for the month of October 1996. 11. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of October 1996. 12. Series 1995-4 Class A and Class B Certificateholder's Statements for the month of October 1996. 13. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of October 1996. Page 2 of 30 3 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 thereunto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey ------------------- David M. Willey Vice President Date: November 15, 1996 Page 3 of 30 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 30 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ------------------ 1 October Performance Summary 06 2 Series 1993-1 Class A and Class B Certificate- holder's Statements for the month of October 1996 08 3 Series 1993-3 Class A and Class B Certificate- holder's Statements for the month of October 1996 10 4 Series 1993-4 Class A and Class B Certificate- holder's Statements for the month of October 1996 12 5 Series 1994-2 Class A and Class B Certificate- holder's Statements for the month of October 1996 14 6 Series 1994-3 Class A and Class B Certificate- holder's Statements for the month of October 1996 16 7 Series 1994-4 Class A and Class B Certificate- holder's Statements for the month of October 1996 18 8 Series 1994-A Certificateholder's Statement for the month of October 1996 20 9 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of October 1996 21 10 Series 1995-2 Class A and Class B Certificate- holder's Statements for the month of October 1996. 23 11 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of October 1996. 25 12 Series 1995-4 Class A and Class B Certificate- holder's Statements for the month of October 1996. 27 13 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of October 1996. 29 Page 5 of 30