1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------------- FORM 8-K/A Current Report THIS AMENDMENT IS BEING FILED TO REVISE GROSS YIELD AND NET CHARGE OFF NUMBERS FOR THE TRUST DUE TO CHANGE IN RECOVERIES Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report: November 29, 1999 ----------------- 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 Page 1 of 38 2 ITEM 5. OTHER EVENTS The October 1999 monthly Certificateholder's Statements to investors were distributed November 15, 1999. ITEM 7 (c). EXHIBITS -------- The following are filed as exhibits to this Report under Exhibit 20: 1. October Performance Summary 2. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of October 1999. 3. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of October 1999. 4. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of October 1999. 5. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of October 1999. 6. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of October 1999. 7. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of October 1999. 8. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of October 1999. 9. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of October 1999. 10. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of October 1999. 11. Series 1998-4 Class A and Class B Certificateholder's Statements for the month of October 1999. 12. Series 1999-1 Class A and Class B Certificateholder's Statements for the month of October 1999 13. Series 1999-2 Class A and Class B Certificateholder's Statements for the month of October 1999 14. Series 1999-3 Class A and Class B Certificateholder's Statements for the month of October 1999 15. Trust Excess Spread Analysis Page 2 of 38 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 there-unto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey ---------------------------- David M. Willey Senior Vice President and Treasurer Date: November 29, 1999 Page 3 of 38 4 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 --------------- EXHIBITS TO FORM 8-K/A CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Page 4 of 38 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ---- 1 October Performance Summary 07 2 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of October 1999 09 3 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of October 1999 11 4 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of October 1999 13 5 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of October 1999 15 6 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of October 1999 17 7 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of October 1999 19 8 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of October 1999 21 9 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of October 1999 24 10 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of October 1999 27 11 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of October 1999 30 12 Series 1999-1 Class A and Class B Certificate- holder's Statements for the month of October 1999 32 13 Series 1999-2 Class A and Class B Certificate- holder's Statements for the month of October 1999 34 14 Series 1999-3 Class A and Class B Certificate- Page 5 of 38 6 holder's Statements for the month of October 1999 36 15 Trust Excess Spread Analysis 38 Page 6 of 38