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, 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 November 1999 monthly Certificateholder's Statements to investors were distributed December 15, 1999. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. November Performance Summary 2. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of November 1999. 3. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of November 1999. 4. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of November 1999. 5. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of November 1999. 6. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of November 1999. 7. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of November 1999. 8. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of November 1999. 9. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of November 1999. 10. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of November 1999. 11. Series 1998-4 Class A and Class B Certificateholder's Statements for the month of November 1999. 12. Series 1999-1 Class A and Class B Certificateholder's Statements for the month of November 1999 13. Series 1999-2 Class A and Class B Certificateholder's Statements for the month of November 1999 14. Series 1999-3 Class A and Class B Certificateholder's Statements for the month of November 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: December 15, 1999 Page 3 of 38 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 38 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------- -------- ------------- 1 November Performance Summary 07 2 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of November 1999 09 3 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of November 1999 11 4 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of November 1999 13 5 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of November 1999 15 6 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of November 1999 17 7 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of November 1999 19 8 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of November 1999 21 9 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of November 1999 24 10 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of November 1999 27 11 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of November 1999 30 12 Series 1999-1 Class A and Class B Certificate- holder's Statements for the month of November 1999 32 13 Series 1999-2 Class A and Class B Certificate- holder's Statements for the month of November 1999 34 14 Series 1999-3 Class A and Class B Certificate- Page 5 of 38 6 holder's Statements for the month of November 1999 36 15 Trust Excess Spread Analysis 38 Page 6 of 38