Document:

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                                 EXHIBIT 4.10
                                 ------------

                                [Face of Note]

UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR THE INDIVIDUAL
SECURITIES REPRESENTED HEREBY, THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED
EXCEPT AS A WHOLE BY THE DEPOSITORY TRUST COMPANY OR ANY SUCCESSOR DEPOSITARY
APPOINTED AS SUCH PURSUANT TO THE SENIOR INDENTURE (THE "DEPOSITARY") TO A
NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR
ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO
SUCH A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS
THIS GLOBAL SECURITY IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITARY TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR
PAYMENT, AND ANY SECURITY ISSUED IS REGISTERED IN THE NAME OF THE DEPOSITARY OR
ITS NOMINEE OR SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF THE DEPOSITARY AND ANY PAYMENT IS MADE TO THE DEPOSITARY OR ITS NOMINEE, ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF HAS AN INTEREST HEREIN.

CUSIP No. 14040HAE5
No. R-___                                                          $225,000,000

                       CAPITAL ONE FINANCIAL CORPORATION

                             7 1/4% NOTES DUE 2006

          Capital One Financial Corporation, a corporation duly organized and
existing under the laws of Delaware (the "Company"), for value received, hereby
promises to pay to Cede & Co. or registered assigns the principal sum of TWO
HUNDRED TWENTY-FIVE MILLION United States Dollars at the Company's office or
agency for said purpose in the Borough of Manhattan, The City of New York, on
May 1, 2006 in such coin or currency of the United States of America as at the
time of payment shall be legal tender for the payment of public and private
debts, and to pay interest semi-annually in arrears on May 1 and November 1 of
each year (each an "interest payment date"), commencing November 1, 1999, on
said principal sum in like coin or currency at the rate per annum set forth
above at said office or agency from April 28, 1999 or from the most recent May 1
or November 1, as the case may be, to which interest on the Securities has been
paid or duly provided for, until payment of said principal sum has been made or
duly provided for; provided that, unless this Security is a Security issued in
                   --------
global form (a "Global Security"), interest may be paid, at the option of the
company, by mailing a check therefor payable to the Holder entitled thereto at
his last address as it appears on the Security Register.  The interest so
payable will be paid to the Person in whose name this Global Security (or one or
more Predecessor Securities) is registered at the close of business on the April
15 or
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October 15, as the case may be, next preceding such interest payment date,
unless the Company shall default in the payment of interest due on such interest
payment date after taking into account any applicable grace period, in which
case such defaulted interest shall be paid as set forth in the Senior Indenture.
Notwithstanding the foregoing, as long as this Security is a Global Security,
the Company shall pay or cause to be paid the principal of, and interest on,
this Security to the Holder hereof or a single nominee of the Holder, or, at the
option of the Company, to such other Persons as the Holder hereof may designate,
by wire transfer of immediately available funds on the date such payments are
due.

          Reference is made to the further provisions set forth on the reverse
hereof. Such further provisions shall for all purposes have the same effect as
though fully set forth at this place.

          This Security shall not be valid or obligatory until the certificate
of authentication hereon shall have been duly signed by the Trustee acting under
the Senior Indenture.
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                                                                               3

          IN WITNESS WHEREOF, the Company has caused this instrument to be duly
executed.

Dated:  April 28, 1999

                                        CAPITAL ONE FINANCIAL CORPORATION

                                        By:    /s/ Susanna K. Tisa
                                            -----------------------------------
                                            Name:  Susanna K. Tisa
                                            Title: Director of Capital Markets

[CORPORATE SEAL]                        Attest By:   /s/ John G. Finneran, Jr.
                                                  -----------------------------
                                                  Name:  John G. Finneran, Jr.
                                                  Title: Corporate Secretary

          This is one of the Securities issued under the within-mentioned Senior
Indenture.

Dated:  April 28, 1999

                                               HARRIS TRUST AND SAVINGS BANK

                                               By:   /s/  D.G. Donovan
                                                  ---------------------------
                                                        Authorized Officer
<PAGE>

                               [Reverse of Note]

                       Capital One Financial Corporation

                             7 1/4% Notes Due 2006

          This Security is one of a duly authorized issue of debt securities of
the Company, of the series hereinafter specified, all issued or to be issued
under an Indenture, dated as of November 1, 1996 (the "Senior Indenture"), and
duly executed and delivered by the Company to Harris Trust and Savings Bank, as
trustee (hereinafter, the "Trustee"), to which reference to the Senior Indenture
is hereby made for a description of the respective rights and duties thereunder
of the Trustee, the Company and the Holders of the Securities.  This Security is
one of a series designated as the "7 1/4% Notes due 2006" of the Company
(hereinafter called the "Notes"), issued under the Senior Indenture and limited
in aggregate principal amount to $225,000,000.

          Neither the Senior Indenture nor the Notes limit or otherwise restrict
the amount of indebtedness which may be incurred or other securities which may
be issued by the Company.  The Notes issued under the Senior Indenture will be
direct, unsecured obligations of the Company and will mature on May 1, 2006.
The Notes rank on parity with all other unsecured, unsubordinated indebtedness
of the Company.

          The Notes will bear interest at the rate of 7 1/4% per annum.

          The Notes are not redeemable prior to maturity.

          The Notes are not entitled to any sinking fund.

          In case an Event of Default shall have occurred and be continuing with
respect to the Notes, the principal hereof may be declared, and upon such
declaration shall become, due and payable, in the manner, with the effect and
subject to the conditions provided in the Senior Indenture.  The Senior
Indenture provides that in certain circumstances such declaration and its
consequences may be waived by the Holders of a majority in aggregate principal
amount of the Notes then Outstanding.  However, any such consent or waiver by
the Holder shall not affect any subsequent default or impair any right
consequent thereon.

          The Senior Indenture permits the Company and the Trustee, without the
consent of the Holders of the Notes for certain situations and with the consent
of not less than two-thirds of the Holders in aggregate principal amount of the
Outstanding Notes in other situations, to execute supplemental indentures adding
to, modifying or changing various provisions to the Senior Indenture; provided
                                                                      --------
that no such supplemental indenture, without the consent of the Holder of each
Outstanding Security affected thereby, shall (i) change the Stated Maturity of
the principal of, or any installment of interest on the Notes, or reduce the
principal amount thereof or
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the interest thereon, or change the place or currency of payment of principal
of, or interest on, the Notes, or impair the right to institute suit for the
enforcement of any payment on or after the Stated Maturity thereof, or change
the Company's obligation to pay additional amounts (except as otherwise
contemplated in the Senior Indenture); (ii) reduce the percentage in principal
amount of the Outstanding Notes, the consent of whose Holders is required for
any such supplemental indenture, or the consent of whose Holders is required for
any waiver (of compliance with certain provisions of the Senior Indenture or
certain defaults hereunder and their consequence) provided for in the Senior
Indenture; or (iii) modify any of the provisions of Sections 902, 513 or 1008 of
the Senior Indenture, except to increase any such percentage or provide that
certain other provisions of the Senior Indenture cannot be modified or waived
without the consent of the Holder of each Outstanding Security affected thereby.

          The Company may omit in any particular instance to comply with any
term, provision or condition set forth in Section 1005, 1006 or 1007 of the
Senior Indenture, if before the time for such compliance, the Holders of at
least a majority in principal amount of the Outstanding Notes, by act of such
Holders, either shall waive such compliance in such instance or generally shall
have waived compliance with such term, provision or condition, but no such
waiver shall extend to or affect such term, provision or condition except to the
extent so expressly waived, and, until such waiver shall become effective, the
obligations of the Company and the duties of the Trustee in respect of any such
term, provision or condition shall remain in full force and effect.

          No reference herein to the Senior Indenture and no provision of this
Note or of the Senior Indenture shall alter or impair the obligations of the
Company, which are absolute and unconditional, to pay the principal of, premium,
if any, and interest on this Note at the place, at the respective times, at the
rate and in the coin and currency herein prescribed.

          The Notes are issuable in registered form without coupons in
denominations of $1,000 and any multiple thereof.

          At the office or agency of the Company referred to on the face hereof
and in the manner and subject to the limitations provided in the Senior
Indenture, the Notes may be exchanged for a like aggregate principal amount of
Notes of other authorized denominations.

          Upon due presentment for registration of transfer of the Notes at the
above-mentioned office or agency of the Company, a new Note or Notes of
authorized denominations, for a like aggregate principal amount, will be issued
to the transferee as provided in the Senior Indenture.  No service charge shall
be made for any such transfer, but the Company may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
relation thereto.

          Prior to due presentation of this Note for registration of transfer,
the Company, the Trustee, and any authorized agent of the Company or the
Trustee, may deem and treat the Holder hereof as the absolute owner of the Note
(whether or not this Note shall be overdue and made by
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                                                                               3

anyone other than the Company or the Trustee or any authorized agent of the
Company or the Trustee), for the purpose of receiving payment of, or on account
of, the principal hereof and, subject to the provisions on the face hereof,
interest hereon and for all other purposes, and neither the Company nor the
Trustee nor any authorized agent of the Company or the Trustee shall be affected
by any notice to the contrary.

          No recourse shall be had for the payment of the principal of, or the
interest on, this Note, for any claim based hereon, or otherwise in respect
hereof, or based on or in respect of the Senior Indenture or any indenture
supplemental thereto, against any incorporator, shareholder, officer or
director, as such, past, present or future, of the Company or of any successor
corporation, either directly or through the Company or any successor
corporation, whether by virtue of any constitution, statute or rule of law or by
the enforcement of any assessment or penalty or otherwise, all such liability
being, by the acceptance hereof and as part of the consideration for the issue
hereof, expressly waived and released.

          THIS NOTE SHALL BE DEEMED TO BE A CONTRACT MADE UNDER THE LAWS OF THE
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STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE CONSTRUED IN ACCORDANCE WITH
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THE LAWS OF SAID STATE, WITHOUT REFERENCE TO PRINCIPLES OF CONFLICTS OF LAW.
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          All terms used in this Note (and not otherwise defined in this Note)
that are defined in the Senior Indenture shall have the meanings assigned to
them in the Senior Indenture.<PAGE>

                                 EXHIBIT 10.1.3
                                 --------------

                               Capital One Bank
                      Senior and Subordinated Bank Notes
                Due From 30 Days to 30 Years From Date of Issue

                   SECOND AMENDMENT TO AMENDED AND RESTATED
                  DISTRIBUTION AGREEMENT DATED APRIL 30, 1996

                                                                  April 30, 1999

MERRILL LYNCH & CO.
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED
CHASE SECURITIES INC.
CREDIT SUISSE FIRST BOSTON CORPORATION
DONALDSON, LUFKIN & JENRETTE SECURITIES CORPORATION
LEHMAN BROTHERS INC.
J.P. MORGAN SECURITIES INC.
NATIONSBANC MONTGOMERY SECURITIES LLC
SALOMON SMITH BARNEY INC.

c/o  Merrill Lynch & Co.
     Merrill Lynch, Pierce, Fenner & Smith Incorporated
     World Financial Center
     North Tower, 11/th/ Floor
     New York, New York 10281-1311

Ladies and Gentlemen:

     Capital One Bank, a banking association chartered under the laws of the
Commonwealth of Virginia (the "Bank"), desires to amend the Amended and Restated
Distribution Agreement, dated April 30, 1996, as amended by the Amendment to the
Amended and Restated Distribution Agreement, dated April 21, 1998, entered into
with respect to the distribution of the Bank's Senior and Subordinated Bank
Notes due from 30 days to 30 years from date of issue (the "Notes"), and made
between the Bank and the Agents party thereto (which agreement, as amended from
time to time, is herein referred to as the "Distribution Agreement") in the
following manner:

     Section 1.  Amendments to the Distribution Agreement.
                 ----------------------------------------

     The Distribution Agreement is hereby amended as follows:
<PAGE>

          (a)  The words "or, otherwise make available through electronic media
          (provided that Bank shall notify the Agents of such availability)"
          shall be inserted after the words "as promptly as reasonably
          practicable after such reports become publicly available" on line 6 of
          clause (e) of Section 4 of the Distribution Agreement.

     Section 2.  Representations and Warranties.
                 ------------------------------

     The Bank hereby repeats and reaffirms the representations and warranties
contained in Section 2 of the Distribution Agreement, with the same force and
effect as though such representations and warranties had been made as of the
date hereof, provided that all references in such representations and warranties
to (i) the Distribution Agreement shall refer to the Distribution Agreement as
amended by this Amendment, (ii) the Offering Circular shall refer to the
Offering Circular dated April 30, 1999, (iii) the Letters of Representation
shall refer to the Short-Term and Medium-Term Letters of Representation dated
April 30, 1997, and (iv) the Call Reports shall refer to the Call Reports
beginning with and including the Call Report for the period ended December 31,
1996.

     Section 3.  Governing Law.
                 -------------

     This Amendment shall be governed by and construed and interpreted in
accordance with the laws of the State of New York.

     Section 4.  Severability of Provisions.
                 --------------------------

     Any provision of this Amendment which is prohibited or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining
provisions hereof or affecting the validity or enforceability of such provision
in any other jurisdiction.

     Section 5.  Captions.
                 --------

     The captions in this Amendment are for convenience of reference only and
shall not define or limit any of the terms or provisions hereof.

               [Remainder of this page intentionally left blank]

                                       2
<PAGE>

     If the foregoing is agreeable to you, please sign and return to the Bank a
counterpart hereof, whereupon this instrument along with all counterparts will
become a binding agreement between each of the Agents and the Bank in accordance
with its terms.

                                     Very truly yours,

                                     CAPITAL ONE BANK

                                     By:  /s/ Susanna K. Tisa
                                         ---------------------------
                                          Name: Susanna K. Tisa
                                          Title: Director of Capital Markets

CONFIRMED AND ACCEPTED,
As of the date first written above:

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

By:   /s/
     --------------------------------
      Name:
      Title:

CHASE SECURITIES INC.

By:   /s/
     --------------------------------
      Name:
      Title:

CREDIT SUISSE FIRST BOSTON  CORPORATION

By:     /s/  Julie A. Keogh
     --------------------------------
      Name:  Julie A. Keogh
      Title: Authorized Signatory

DONALDSON, LUFKIN & JENRETTE SECURITIES CORPORATION

By:     /s/
     --------------------------------
      Name:
      Title:

                                       3
<PAGE>

LEHMAN BROTHERS INC.

By:     /s/  Kyle Miller
     --------------------------------
      Name:  Kyle Miller
      Title: Senior Vice President

J.P. MORGAN SECURITIES INC.

By:     /s/
     --------------------------------
      Name:
      Title:

NATIONSBANC MONTGOMERY SECURITIES LLC

By:     /s/
     --------------------------------
      Name:
      Title:

SALOMON SMITH BARNEY INC.

By:     /s/  Martha D. Bailey
     --------------------------------
      Name:  Martha D. Bailey
      Title: First Vice President

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