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CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : January 1999
Beginning of the Month Principal Receivables : 11,006,835,466.77
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Beginning of the Month Finance Charge Receivables : 333,284,425.04
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Beginning of the Month Discounted Receivables : 0.00
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Beginning of the Month Total Receivables : 11,340,119,891.81
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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 : 10,640,664,033.58
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End of the Month Finance Charge Receivables : 341,175,416.39
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End of the Month Discounted Receivables : 0.00
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End of the Month Total Receivables : 10,981,839,449.97
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Excess Funding Account Balance 0.00
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Adjusted Invested Amount of all Master Trust Series 9,747,152,022.46
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End of the Month Seller Percentage 8.40%
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : January 1999 ACCOUNTS RECEIVABLES
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End of the Month Delinquencies :
30 - 59 Days Delinquent 147,054 193,503,681.53
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60 - 89 Days Delinquent 82,795 121,287,984.93
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90 + Days Delinquent 151,558 235,578,127.41
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Total 30 + Days Delinquent 381,407 550,369,793.87
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.01%
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Defaulted Accounts During the Month 49,733 54,689,277.13
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 5.96%
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : January 1999 COLLECTIONS PERCENTAGES
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Total Collections and Gross Payment Rate 1,282,392,323.21 11.31%
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Collections of Principal Receivables and Principal Payment Rate 1,087,486,162.86 9.88%
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Prior Month Billed Finance Charge and Fees 165,242,731.40
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Amortized AMF Income 11,119,389.71
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Interchange Collected 8,743,335.69
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Recoveries of Charged Off Accounts 12,793,973.42
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Collections of Discounted Receivables 0.00
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Collections of Finance Charge Receivables and Annualized Yield 197,899,430.22 21.58%
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CAPITAL ONE TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : January 1999
Beginning Unamortized AMF Balance 59,045,561.97
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+ AMF Slug 0.00
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+ AMF Collections 8,126,119.84
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- - Amortized AMF Income 11,119,389.71
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Ending Unamortized AMF Balance 56,052,292.10
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CAPITAL ONE MASTER TRUST (DISCOUNTED RECEIVABLES)
MONTHLY PERIOD : January 1999
Gross Principal Payment Rate 9.88%
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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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