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CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : November 1998
Beginning of the Month Principal Receivables : 10,967,640,565.93
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Beginning of the Month Finance Charge Receivables : 350,534,074.07
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Beginning of the Month Discounted Receivables : 0.00
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Beginning of the Month Total Receivables : 11,318,174,640.00
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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 : 789,603,110.33
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Additional Finance Charge Receivables : 33,664,879.89
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Additional Total Receivables : 823,267,990.22
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Discounted Receivables Generated this Period 0.00
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End of the Month Principal Receivables : 10,688,348,560.20
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End of the Month Finance Charge Receivables : 331,589,408.27
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End of the Month Discounted Receivables : 0.00
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End of the Month Total Receivables : 11,019,937,968.47
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Excess Funding Account Balance 0.00
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Adjusted Invested Amount of all Master Trust Series 9,945,313,226.26
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End of the Month Seller Percentage 6.95%
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : November 1998 ACCOUNTS RECEIVABLES
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End of the Month Delinquencies :
30 - 59 Days Delinquent 139,952 191,525,958.98
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60 - 89 Days Delinquent 86,212 126,576,180.79
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90 + Days Delinquent 164,830 248,485,306.83
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Total 30 + Days Delinquent 390,994 566,587,446.60
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.14%
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Defaulted Accounts During the Month 54,075 59,828,202.55
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 6.55%
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Total Collections and Gross Payment Rate 1,286,949,067.49 11.37%
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Collections of Principal Receivables and Principal Payment Rate 1,085,255,346.88 9.90%
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Prior Month Billed Finance Charge and Fees 169,049,733.48
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Amortized AMF Income 11,489,865.77
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Interchange Collected 9,894,445.73
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Recoveries of Charged Off Accounts 12,709,520.31
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Collections of Discounted Receivables 0.00
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Collections of Finance Charge Receivables and Annualized Yield 203,143,565.29 22.23%
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : November 1998
Beginning Unamortized AMF Balance 60,546,680.78
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+ AMF Slug for Added Accounts 6,064,574.57
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+ AMF Collections 10,040,021.09
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- Amortized AMF Income 11,489,865.77
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Ending Unamortized AMF Balance 65,161,410.67
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CAPITAL ONE MASTER TRUST (DISCOUNTED RECEIVABLES)
MONTHLY PERIOD : November 1998
Gross Principal Payment Rate 9.90%
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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
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Discounted Receivables to be Collected 0.00
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/s/ Douglas C.H. Adamson
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Douglas C.H. Adamson
Securitization Manager
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