Document:

Separation and Release Agreement with Edward C. Nafus

 Exhibit 10.45 
 SEPARATION AND RELEASE AGREEMENT 
 THIS SEPARATION AND RELEASE AGREEMENT (this
“Separation Agreement”) is made by and between Edward C. Nafus, (“Executive”), CSG Systems International, Inc., (“CSGS”) and CSG Systems, Inc. (“Systems” and, together with CSGS, the
“Companies”). The signatories to this Separation Agreement will be referred to jointly as the “Parties”. 
 WHEREAS, the Companies and Executive entered into that certain Employment Agreement dated
November 17, 1998, as amended by that certain First Amendment dated January 11, 2005; as further amended by that certain Second Amendment dated March 8, 2005; as further amended by that certain Third Amendment dated March 6, 2007
as further amended by that certain Fourth Amendment dated August 14th, 2007 (collectively referred to as the “Employment Agreement”); and

 WHEREAS, Executive intends to voluntarily terminate his employment with the Companies as their President and Chief Executive
Officer; and 
 WHEREAS, Executive shall remain as a Director of both CSGS and Systems respective Board of Directors; and 
 WHEREAS, the Companies and Executive desire and intend this Separation Agreement to (i) completely terminate Executive’s Employment Agreement
with the Companies, (ii) outline the total compensation and benefits Executive shall receive, and the legal rights Executive will waive, upon executing this Separation Agreement, and (iii) completely release the Companies from any and all
liabilities related to Executive’s employment with the Companies; 
 NOW, THEREFORE, in consideration of the foregoing recitals and the
respective covenants and agreements of the Parties contained in this document, the Companies and the Executive agree as follows: 
  

	1.	Termination of Employment Agreement. 

 Effective upon the close of business December 28, 2007 (the “Effective Date”), Executive’s Employment Agreement with the Companies shall be deemed terminated. Except for the Executive’s duties and responsibilities
as a non-employee Director on the Companies’ Boards of Directors, as of the Effective Date, Executive shall cease performing all of his responsibilities for the Companies and relinquish any other titles and authorities Executive has with
respect to the Companies and their affiliates or subsidiaries. Upon the Effective Date, Executive shall no longer be authorized to incur any expenses, obligations or liabilities on behalf of the Companies as an employee of the Companies. 

 

	2.	Departure from Employment: Final Pay and Benefits. 

 Executive shall receive the compensation and benefits to which he is entitled to under the Employment Agreement for voluntary resignation through the Effective Date. Executive shall also receive separate notices describing his right to
continue insurance coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). Executive further acknowledges and agrees that he shall neither be eligible to nor receive any portion of his potential 2007 performance bonus
award under the 2007 Performance Bonus Plan. 
 Should Executive elect to sign this Separation Agreement, and not exercise his right of
revocation as described below, his last date of employment will be December 28, 2007. Should Executive elect not to sign this Separation Agreement, or should he sign it and subsequently exercise his right of revocation, then Executive’s
last date of employment shall be December 28, 2007. 
  

	3.	Separation Benefits. 

 Upon Executive’s
execution of this Separation Agreement, and the expiration of the seven (7) day revocation period described in paragraph 11, Executive will be entitled to receive a one-time payment from the Companies in the amount of One Million Nine Hundred
Thousand Dollars ($1,900,000.00), less appropriate deductions. This sum shall be paid to Executive on or after January 1, 2008 and on or before January 31, 2008. The Companies will withhold from such payment all deductions authorized by
law or by the Executive. 
  

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 Nafus Separation Agreement 

	4.	Restricted Shares. 

 Subject to and
contingent upon the expiration of the seven (7) day revocation period described in paragraph 11 below without Executive’s revocation of this Separation Agreement, the following shares of restricted stock of CSG Systems International, Inc.
previously granted to Executive shall automatically become fully vested on the Effective Date and the restrictions and forfeiture provisions associated with such shares shall lapse: 
  

			
	 Grant Date
	  	Number of Shares
	 June 30, 2005
	  	25,000
	 January 10, 2006
	  	52,500
	 March 27, 2007
	  	12,500
	 March 27, 2007
	  	12,500

 but all other provisions of the Restricted Stock Award Agreements pertaining to such shares shall remain in full
force and effect. 
  

	5.	Governing Law. 

 This Separation Agreement
will be interpreted and construed in accordance with the laws of the State of Colorado. 
  

	6.	Executive’s Release of the Companies. 

 In consideration for the benefits to Executive under this Separation Agreement, Executive hereby fully and forever releases and discharges the Companies, any parent, subsidiary, affiliate or related entity of the Companies, and all of their
respective officers, directors, shareholders, employees, agents, predecessors, successors and assigns (collectively, “Releasees”) from and against any and all claims, causes of action, liabilities or demands of any kind whatsoever, whether
presently known or unknown, asserted or unasserted, that Executive may now have or in the future have against Releasees which arose on or before the date that Executive signs this Separation Agreement, and which arise out of or related to
Executive’s employment with, or separation from employment with, the Companies. These claims include, but are not limited to, all claims of discrimination on the basis of race, color, religion, sex, age, national origin, disability, or any
other improper factor; breach of contract; impairment of economic opportunity; interference with contractual or employment relations; infliction of emotional distress; fraud; misrepresentation; defamation; or invasion of privacy, and specifically
including but not limited to claims under the Age Discrimination in Employment Act, the Americans with Disabilities Act, the Family and Medical Leave Act, 42 U.S.C. Sec. 1981, Title VII of the Civil Rights Act of 1964, and any other federal or state
constitution, statute, ordinance or regulation, or common law. This release includes all claims for compensatory, punitive and liquidated damages, attorney fees and costs, is intended to fully and forever eliminate all employment-related claims
Executive may have against Releasees or any of them, and shall be broadly interpreted to achieve that goal. Executive understands that this is a GENERAL RELEASE. 
  

	7.	Confidential Information. 

 During his
employment with the Companies, Executive had access to confidential and proprietary information and trade secrets of the Companies, as well as those of the parent, affiliated, subsidiary and related entities of the Companies (collectively hereafter
the “CSG Group”) as well as third parties with whom the CSG Group does business. This includes information and data concerning research, development, strategic planning, trade secrets, customer accounts, customer lists and preferences
(including preferred/best customer lists), marketing activities and procedures, pricing policies and practices, salaries, personnel and contractors of the CSG Group, accounting practices and procedures, financial data, arrangements and practices,
pro formas, sales methods, personnel files, data processing and other record keeping systems, software, and other information relating to the operations of the CSG Group. As further and essential consideration for the benefits to Executive under
this 

  

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 Nafus Separation Agreement 

 
Separation Agreement, Executive agrees that he will not disclose or impart to any other person, directly or indirectly, any of this information, nor will
Executive remove any of this information from the premises of the CSG Group; the Executive will immediately return to the Companies any confidential information that Executive may have in his possession, including any copies, regardless of the form
of such information or the media on which it resides; and Executive will not retain any copies of such information and will not assist another in the use, disclosure or copying of such confidential information. In the event that Executive violates
any of the terms of this paragraph, the Companies may withhold and/or recover any of the economic benefits paid or provided or agreed to be paid or provided to Executive pursuant to paragraph 3 or 4 above, without waiving its right to pursue any
other legal or equitable remedies, and the Executive’s entitlement to such benefits shall cease and be forfeited. 
  

	8.	Restrictive Covenants. 

 As further and
essential consideration for the benefits to the Executive under this Separation Agreement, Executive agrees that for a period of twelve (12) months following the last date Executive holds the position of Director on the Companies’ Boards
of Directors or from the last date Executive holds an official position with the Companies (whichever occurs last), Executive will not, for any reason whatsoever, directly or indirectly, whether as an employee, agent, consultant,
independent contractor, owner, partner, or otherwise, alone or in association with others: 
  

	 	a)	solicit or enter into any relationship to provide products or services to any current or potential customer of the Companies with whom the Executive actually had personal contact
during the last twelve (12) months of the Executive’s employment with the Companies, for the purpose of providing any product or service that is competitive with the business of the Companies; 

  

	 	b)	utilize any information or data which belongs to or pertains to the Companies or its business or interest and which is not publicly available to persons not employed by the
Companies (“Company Proprietary Information”), while the Executive is working for himself or a competitor of the Companies in competition with the Companies in the business of subscriber management services or other services currently
provided by or being developed by the Companies Company Proprietary Information includes, but is not limited to, financial information relating to the Companies operations including the manner in which it prices and discounts its products and
services, customer and prospective customer lists, supplier lists, proposals and methods of operation, as well as information relating to the employees of the company, which includes information relating to positions, titles, skill sets,
compensation and quality of work. The covenant contained in this subparagraph is in addition to and not in lieu of any other agreements the Executive has signed regarding confidential information of the Companies; or 

  

	 	c)	employ, solicit for employment, or advise or recommend to any other person that such person employ or solicit for employment, any person employed by the Companies.

 Executive agrees that the Companies areas of business are international, and that it is reasonable to restrict the
Executive’s competition as described above to protect the Companies legitimate business needs. In the event that Executive violates any of the terms of this paragraph, the Companies may withhold and/or recover any of the economic benefits paid
or provided or agreed to be paid or provided to Executive pursuant to paragraph 2 or 3 above, without waiving their right to pursue any other legal or equitable remedies, and the Executive’s entitlement to such benefits shall cease and be
forfeited. The restrictions contained herein are in addition to those restrictions contained within any separate nondisclosure, trade secrets, or non-solicitation agreements that the Executive has signed. The Executive agrees that the provisions of
any such agreements are cumulative in their effect, shall remain fully enforceable, and are not merged into this document. 
  

	9.	Disparagement 

 Executive agrees and
acknowledges that the Executive shall not directly or indirectly disparage the Companies and/or and of their related entities and this restrictive covenant shall have an unlimited duration. 
  

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 Nafus Separation Agreement 

	10.	Validity and Severability. 

 Both Executive
and the Companies agree that the Parties will not seek to defeat, or seek to have declared invalid, any provision of this Separation Agreement. In the event that any part of the covenants set forth in paragraph 8 shall be held to be invalid or
unenforceable, the remaining parts thereof shall nevertheless continue to be valid and enforceable as though the invalid and unenforceable part had not been included herein. If any provision of such covenants shall be declared by a court of
competent jurisdiction to exceed the maximum provisions which the court deems reasonable and enforceable, such provisions shall be deemed to be reformed to that which such court deems reasonable and enforceable. If the court determines that no parts
of the covenants are enforceable, then Executive shall immediately repay to the Companies all of the economic benefits Executive received pursuant to paragraph 3 and 4 of this Separation Agreement, and the Companies obligation to make any further
payments to Executive pursuant to such paragraph shall cease. 
 In the event that any benefits are forfeited or must be repaid under this
Separation Agreement, no interest shall be due on such amounts prior to demand, and the temporary use of such funds shall be deemed to be adequate consideration for all of Executive’s remaining obligations under this Separation Agreement,
including Executive’s waivers and releases. 
 If a court finds that any provision of this Separation Agreement is unenforceable, that
provision will be severed and the balance of the Separation Agreement will be enforceable; except that if paragraphs 7, 8, 9 or 10 are found to be unenforceable, then this entire Separation Agreement may, at the Companies option, be declared to be
null and void, in which case the Companies shall have a right of recovery of the economic benefits paid to Executive pursuant to paragraph 3 or 4 above. 
  

	11.	Time to Consider and Right to Revoke. 

 Executive may, at his option, before signing this Separation Agreement, consider it for a period of 21 days from the day it is presented to the Executive. During that period the Executive should review and discuss it with his attorney.
After the Executive signs this Separation Agreement he will have a period of seven (7) days to revoke it by notifying the Company in writing delivered to the Executive Vice President Corporate Development and General Counsel of CSG Systems,
Inc. in Denver, Colorado. This Separation Agreement will not become effective or enforceable until the seven (7) day revocation period expires, and no payments of benefits under paragraph 3 or 4 shall be required until such period has expired
without revocation. 
  

	12.	Cooperation. 

 Executive agrees to fully
cooperate with the Companies in conjunction with any claim or litigation which now exists or may arise in the future concerning any matters with which Executive may have been involved during his tenure with the Companies. Executive further agrees to
be reasonably available upon request for consultation with the Companies or its attorneys with regard to matters with which he was involved while employed by the Companies. 
  

	13.	No Admission. 

 Neither the payment of any
sum of money nor the execution of this Separation Agreement by the Companies shall in any way be construed as an admission of any wrongful or unlawful act whatsoever, and the Companies specifically disclaim any liability to the Executive, or
wrongful or unlawful act against the Executive. 
  

	14.	Acknowledgements. 

 By signing below,
Executive accepts this Separation Agreement in its entirety. Executive acknowledges that he has been encouraged to consult an attorney, has been allowed 21 days to consider this Separation Agreement, understands every provision of this Separation
Agreement, and executes this Separation Agreement voluntarily and without duress or coercion. Executive further acknowledges that this Separation Agreement is written in a manner that is understandable to Executive and that Executive indeed
understands this Separation Agreement. 
 (Execution Page to Follow) 
  

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 Nafus Separation Agreement 

 IN WITNESS WHEREOF, the parties hereto have caused
this Separation and Release Agreement to be duly executed by their authorized representatives as of the dates set forth below. 
  

									
	CSG SYSTEMS INTERNATIONAL, INC.:	 		 	CSG SYSTEMS, INC.:
					
	By:	 	/s/ JOSEPH T. RUBLE	 		 	By: 	 	/s/ JOSEPH T. RUBLE

									
	Print Name:	 	Joseph T. Ruble	 		 	    Print Name:	 	Joseph T. Ruble

									
	Title:	 	EVP	 		 	Title:	 	EVP
	Date:	 	12.6.07	 		 	Date:	 	12.6.07
			
	EXECUTIVE:	 		 	
					
	By:	 	/s/ EDWARD C. NAFUS	 		 		 	

									
	Print Name:	 	Edward C. Nafus	 		 		 	

									
	Title:	 	Pres & CEO	 		 		 	
	Date:	 	12.6.07	 		 		 	

 If an attorney reviews this Separation Agreement on Executive’s behalf, please have the attorney sign
below. 
  

	
	APPROVED AS TO FORM AND CONTENT
	
	  
	Attorney for Executive

  

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 Nafus Separation AgreementNonstatutory Stock Option Agreement

 Exhibit 10.1 
 Private & Confidential 
 CAPITAL ONE FINANCIAL CORPORATION 
 2004 Stock Incentive Plan 
 Nonstatutory Stock Option Agreement 
 No. of Shares Subject to Option: 1,661,780 
 THIS
AGREEMENT, dated the 10th of December, 2007 (the “Date of Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation (the “Company”), and Richard D. Fairbank (“Optionee”), is made pursuant
and subject to the provisions of the Company’s 2004 Stock Incentive Plan, as amended and restated, (the “Plan”), and all terms used herein that are defined in the Plan shall have the same meaning given them in the Plan unless they are
otherwise defined herein: 
 W I T N E S S E T H : 
 1. Grant of Option. Pursuant and subject to the terms and conditions of the Plan and of this Agreement, the Company has granted to Optionee, effective the Date of Grant, the right and option to purchase from
the Company (the “Option”) all or any part of an aggregate of 1,661,780 shares of Company Stock (the “Option Shares”) at the purchase price per share of $50.99 (the “Option Price”), being not less than 100% of the Fair
Market Value per share of the Common Stock on the Date of Grant, such Option to be exercisable as hereinafter provided. The Option shall be a nonstatutory option that does not receive favorable tax treatment under Section 422. 
 2. Terms and Conditions. The Option evidenced by this Agreement is subject to the following terms and conditions: 
 (a) Expiration Date. The Option shall expire ten years from the Date of Grant unless earlier terminated as provided for herein. 
 (b) Transferability. The Option is transferable under the following conditions: 
 (i) Except as provided in the following sentence, the Option shall be nontransferable except by will or by the laws of descent and distribution and, during the lifetime of Optionee, may be exercised only by Optionee,
except as provided in Section 3 below. The Option (or any portion thereof) may be transferred by the Optionee to (1) the spouse, children, or grandchildren of Optionee (“Immediate Family Members”), (2) a trust or trusts for
the exclusive benefit of Optionee and/or such Immediate Family Members, or (3) a partnership in which Optionee and/or such Immediate Family Members are the only partners; provided that (a) no consideration is paid to the Optionee in
connection with the transfer, (b) in the event of a transfer to an individual, the Option is exercisable, during the original transferee’s lifetime, only by the transferee or by his or her guardian or legal representative,
(c) following such transfer, Optionee retains no interest or reversion in the 

  

 Capital One Confidential/Proprietary 

 
Option (or the underlying shares upon exercise) and has no right to alter or amend the Option or revoke the transfer, and (d) subsequent transfer of the
Option by the transferee (excluding transfers by will or by the laws of descent and distribution) is prohibited. Following transfer, the Option shall continue to be subject to the same terms and conditions as were applicable to the Option
immediately before transfer; provided that where appropriate, all references in this Agreement to “Optionee” shall be deemed to refer to the transferee. 
 (ii) Following transfer, the Option shall continue to be subject to the same terms and conditions as were applicable to the Option immediately before transfer (including terms and conditions based on the employment status of Optionee).

 (iii) Promptly upon transfer of the Option, the Optionee shall deliver written notice of the transfer to the Company’s Human Resources Department at
the Company’s West Creek office, in Richmond, Virginia. That written notice shall identify the transferee and the effective date of the transfer. 
 (iv) If sale to the transferee of the Company Stock issuable upon exercise of the Option is not registered under the Securities Act of 1933, as amended, the Company, in its sole discretion, may condition such sale upon such terms and
requirements as it deems appropriate to comply with applicable law. 
 (c) Vesting of Option. Subject to the provisions of Section 3 below, the
Option shall become exercisable in full for all of the Option Shares on the third anniversary of the Date of Grant. Notwithstanding the foregoing, the Option shall become fully exercisable if a Change of Control occurs or upon death or Disability of
Optionee, as such terms are defined in the Plan. 
 (d) Method of Exercising and Payment for Shares. The Option may be exercised by: 
 (i) Following the procedures for the exercise of an Option as may be established from time to time by the Company or its designated agent (the “Procedures”).
The Company will notify Optionee of the Procedures which will specify (1) any required notification, whether oral or written, to the Company or its designated agent; (2) the method for cash payment of the Option Price and any additional
amounts to the Company or its designated agent; (3) if an Optionee elects to substitute for all or any portion of the cash payment shares of Company Stock that an Optionee has owned for at least six months (valued at the Fair Market Value on
the exercise date), the method for delivery of such shares of Company Stock to the Company or its designated agent; (4) if the Optionee exercises by means of a so-called “cashless exercise”, any requirements related to such cashless
exercise and (5) any other requirements, including completion of any required tax or other forms, which must be completed prior to the exercise of the Option. The Optionee may contact the Human Resources Department at the Company’s West
Creek office in Richmond, Virginia to obtain a copy of the Procedures; or 
 (ii) Delivering written notice of exercise to the Human Resources Department at
the Company’s West Creek office in Richmond, Virginia. Such notice shall be accompanied by payment of the Option Price in full by cash (which shall include payment by check, bank draft or money order payable to the order of the Company).
Optionee may substitute for all or any portion of the cash 

  

 Capital One Confidential/Proprietary 

 
payment the delivery of shares of Company Stock that Optionee has owned for at least six months (valued at their Fair Market Value on the date of exercise)
duly endorsed for transfer, or Optionee may exercise the Option by means of a so-called “cashless exercise” pursuant to which Company Stock may be issued directly to Optionee’s designated broker/dealer upon receipt by the Company of
the Option Price in cash from such broker/dealer. 
 The exercise date will be, in the case of (i) above, the date upon which all of the Procedures have
been completed by the Optionee, or such later date as agreed to by the Optionee and the Company or its designated agent, and in the case of (ii) above, the date that the written notice, together with any accompanying payment, is received by the
Company. 
 3. Termination of Employment. If Optionee’s employment with the Company or any Subsidiary terminates for any reason other than
Retirement, Optionee shall forfeit all rights under the Option except to the extent that Optionee is vested in the Option. Notwithstanding the foregoing, in the event of termination of Optionee’s employment by reason of Retirement before
vesting of the Option, the Option shall continue to vest (to the extent not already vested) and shall become exercisable in full for all of the Option Shares on the third anniversary of the Date of Grant. Except as otherwise provided in subsections
3(a), 3(b), 3(c), and 3(d) below, the right of Optionee and Optionee’s successors in interest to exercise the Option shall terminate three months after the date Optionee’s employment terminates (but no later than the expiration date of the
Option period specified in subsection 2(a) above). 
 (a) Exercise following Death. Except as provided in subsection 3(c), if Optionee dies while
employed by the Company or any Subsidiary or within three months following termination of employment, and before the exercise in full or expiration of the Option, Optionee’s estate, or the person or persons to whom the rights under the Option
shall have passed by will or the laws of descent and distribution, may exercise the Option at any time within one year next following Optionee’s death (but in any event before the expiration date of the Option period specified in subsection
2(a) above). 
 (b) Exercise following Disability. In the event of termination of Optionee’s employment by the Company or any Subsidiary by
reason of Disability approved by the Company before exercise in full or expiration of the Option, Optionee may exercise the Option at any time within one year next following such termination of employment (but in any event before the expiration date
of the Option period specified in subsection 2(a) above). 
 (c) Exercise following Retirement. In the event of termination of Optionee’s
employment by reason of Retirement, Optionee may exercise the Option at any time subsequent to vesting and within five years following the date of Retirement (but in any event before the expiration date of the Option period specified in subsection
2(a) above). Notwithstanding the foregoing, in the event that the Optionee dies during the five year period following his termination of employment by reason of Retirement, the Option shall immediately become fully exercisable (if not exercisable
already) and Optionee’s estate or the person or persons to whom the rights under the Option shall have passed by will or the laws of descent and distribution, may exercise the Option at any time within one year next following Optionee’s
death (but in any event before the expiration date of the Option period specified in subsection 2(a) above). 
  

 Capital One Confidential/Proprietary 

 For purposes of this Section 3, it shall not be considered a termination of employment if Optionee is placed by the
Company or any Subsidiary on military or sick leave or such other type of leave of absence that the Committee in its sole discretion considers as continuing the employment relationship intact. At the time of any exercise of any Option exercised
pursuant to this Section 3, the Option Price shall be paid in full as provided in Section 2. 
 (d) Exercise following Change of Control. In
the event of termination of Optionee’s employment by reason of Change of Control, and, if the Optionee is a party to a Change of Control Agreement and terminates employment under the terms of such Agreement and is entitled to severance benefits
under such Agreement, then any such fully vested Option Shares outstanding as of the date of such termination shall remain outstanding and exercisable through the entire maximum term of the Option or, if earlier, until such Option is exercised (but
in any event before the expiration date of the Option period specified in subsection 2(a) above). 
 4. Governing Law. This Agreement shall be
governed by federal law and, to the extent not preempted thereby, by the laws of the Commonwealth of Virginia. 
 5. Conflicts. In the event of any
conflict between the provisions of the Plan as in effect on the Date of Grant and the provisions of this Agreement, the provisions of the Plan shall govern. All references herein to the Plan shall mean the Plan as in effect on the date hereof.

 6. Optionee Bound by Plan. In consideration of the grant of the Option, Optionee agrees that he will comply with such conditions as the Board of
Directors and the Committee may impose on the exercise of the Option and be bound by the terms of the Plan. 
 7. Change in Capital Structure. In the
event of changes in the capital structure of the Company, appropriate adjustments in the number of shares for which the Option shall be exercisable, the Option Price, or both, shall be made, as provided in Section 4.4 of the Plan. 

8. Tax Obligations Upon Exercise of Options. The difference, on the date of exercise, between the fair market value of Company Stock purchased and the Option
Price is compensation taxable to Optionee as ordinary income on the date of exercise and subject to applicable federal and state taxes that the Company is obligated to withhold. Optionee is required to make arrangements suitable to the Company for
the payment of all applicable withholding taxes. By a timely election, Optionee may elect to have the Company withhold upon exercise the number of shares of Company Stock having a fair market value equal to the minimum applicable withholding taxes.

 9. Employment Status. This Agreement does not constitute a contract of employment nor does it alter Optionee’s terminable at will status or
otherwise guarantee future employment. 
 10. Binding Effect. This Agreement shall be binding upon, enforceable against, and inure to the benefit of
Optionee, his legatees, distributees and personal representatives, and the Company and its successors and assigns. 
  

 Capital One Confidential/Proprietary 

 11. Forfeiture Event. Optionee agrees to reimburse the Company with respect to the Option to the extent required
under Section 304 of the Sarbanes-Oxley Act of 2002. 
 The Company from time to time distributes and makes available to associates a disclosure
document relating to the Plan. You may also contact the HR Help Center to obtain a copy of the Plan disclosure document and the Plan. You should carefully read the Plan disclosure document and the Plan. By accepting the benefits of this Option you
acknowledge receipt of the Plan, and the Plan disclosure document and agree to be bound by the terms of this Option and the Plan. 
 IN WITNESS WHEREOF,
CAPITAL ONE FINANCIAL CORPORATION has caused this Agreement to be signed on its behalf. 
  

			
	CAPITAL ONE FINANCIAL CORPORATION
		
	By:	 	  

		 	 Mayo A. Shattuck, III
 Chairman, Compensation
Committee

		
		 	  

		 	 Richard D. Fairbank
 Chairman of the Board, Chief
Executive
 Officer and President

  

 Capital One Confidential/Proprietary

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