Document:

Exhibit 10.2.15

 Exhibit 10.2.15 

CAPITAL ONE FINANCIAL CORPORATION 
 2004 Stock Incentive Plan 
 Performance Unit Award Agreement 

No. of Performance Units at Target: 155,363 
 THIS PERFORMANCE UNIT AWARD AGREEMENT (this “Agreement”), dated January 31, 2013 (the “Date of Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation
(“Capital One” or the “Company”), and Richard D. Fairbank (“you”), is made pursuant and subject to the provisions of the Company’s 2004 Stock Incentive Plan, as amended and restated (the “Plan”)
and all capitalized 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. 
 WHEREAS, Article 9 of the Plan provides for the award from time to time in the discretion of the Committee of performance units, the vesting and issuance of which are subject to certain service,
performance or other conditions; 
 W I T N E S S E T H :

 1. Grant of Performance Units. Capital One hereby grants to you an award of performance units (the “Units”)
with a target award of 155,363 Units (the “Target Award”). The maximum payout for this award is 150% of the Target Award plus accrued dividends pursuant to Section 5. The Units shall vest and the underlying shares of common
stock of Capital One, $.01 par value per share (such underlying shares, the “Shares”), shall be issuable only in accordance with the provisions of this Agreement and of the Plan. The Units will not have voting rights. 

2. Non-Transferability. Subject to the provisions of Section 3 hereof, the right to receive some or all of the Units and the
Shares related thereto shall not be assignable or transferable, or otherwise alienated, pledged or hypothecated or otherwise encumbered under any circumstances. Any purported or attempted assignment, transfer, alienation, pledge, hypothecation or
encumbrance of such rights or of the Units or the Shares related thereto prior to their issuance to you shall be null and void and shall result in the immediate forfeiture of such rights or Units, including the Shares related thereto, and
cancellation of this Agreement. 
 3. Lapse of Restrictions. 

(a) Vesting. Except as provided in subsections 3(b) and 3(c) below and to the extent not previously vested or
forfeited as provided herein, the Units shall vest on a date as determined by the Committee after termination of the Performance Period (as defined below) and certification of performance by the Committee, but no later than March 15, 2016, or
earlier in the event of your death, Disability or Change of Control pursuant to paragraph 3(b) or (c) hereof (the “Date of Issuance”). On the Date of Issuance, the Units shall vest, and the Shares shall become issuable as determined
based on the Company’s Adjusted ROA, as defined on Appendix A, as measured against a peer group, consisting of companies in the KBW Bank Sector index as of January 1, 2013, excluding custody banks in that index (the “Peer
Group), over a three-year performance period beginning on January 1, 2013 and ending on December 31, 2015 (the “Performance Period”) as certified by the Committee following the end of the Performance Period. For members of the
Peer Group who fail or are acquired, the Adjusted ROA through the time the independent company stops reporting GAAP financials will be frozen and serve as their final return metric for the Performance Period. Members of the Peer Group that continue
to operate as independent companies but that fall out of the KBW Bank Sector index will continue to be used in the Peer Group. Members of the Peer Group as of January 1, 2013 are shown in Appendix B. Any new entrants to the KBW Bank
Sector index after January 1, 2013 will not be considered members of the Peer Group for any award determination or calculation related to this Agreement. The number 

 
of Units that shall vest and the number of Shares that shall become issuable on the Date of Issuance is set forth on Appendix A. The number of Units vesting and the number of Shares that
shall become issuable on the Date of Issuance shall be reduced in the event that Adjusted ROA for one or more fiscal years in the Performance Period is not positive, as provided on Appendix A. The number of Units vesting and the number of
Shares that shall become issuable on the Date of Issuance shall also be subject to reduction in accordance with section 13(b) below. 
 With respect to any Units that have vested on the Date of Issuance, the Shares related thereto shall be issued to you, in settlement of such vested Units, on such Date of Issuance. Dividends will be
accrued and paid out as additional shares at the time of the award as provided in Section 5 below. All Units, including your rights thereto and to the underlying Shares, which do not vest on or before the Date of Issuance, as provided in this
Section 3, shall immediately be forfeited as of such Date of Issuance (to the extent not previously forfeited as provided herein). 
 (b) Effect of Termination of Employment. 
 (i) Upon
termination of your employment with Capital One for Cause, as defined below, prior to the Date of Issuance, all Units shall immediately be forfeited (to the extent not previously vested as provided herein). 

For the purposes of this Agreement, “Cause” shall be defined as the willful and continued failure by you to
perform substantially your duties with the Company or any affiliated company (other than any such failure resulting from incapacity due to physical or mental illness), after a written demand for substantial performance is delivered to you by the
Capital One Board of Directors (the “Board”) or the Committee that specifically identifies the manner in which the Board or the Committee believes that you have not substantially performed your duties, or the willful engaging by you in
illegal conduct or gross misconduct that in either case is materially and demonstrably injurious to the Company. 

For purposes of this Section 3(b), no act, or failure to act on your part shall be considered “willful”
unless it is done, or omitted to be done, by you in bad faith or without reasonable belief that your action or omission was in the best interests of the Company. Any act, or failure to act, based upon (A) authority given pursuant to a
resolution duly adopted by the Board, or if the Company is not the ultimate parent corporation of the affiliated companies and is not publicly-traded, the board of directors of the ultimate parent of the Company (the “Applicable Board”) or
(B) the advice of counsel for the Company shall be conclusively presumed to be done, or omitted to be done, by you in good faith and in the best interests of the Company. The cessation of your employment shall not be deemed to be for Cause
unless and until there shall have been delivered to you a copy of a resolution duly adopted by the affirmative vote of not less than three-quarters of the entire membership of the Applicable Board (excluding you, if you are a member of the
Applicable Board) at a meeting of the Applicable Board called and held for such purpose (after reasonable notice is provided to you and you are given an opportunity, together with your counsel, to be heard before the Applicable Board), finding that,
in the good faith opinion of the Applicable Board, you are guilty of the conduct described in this Section 3(b)(i), and specifying the particulars thereof in detail. 

 (ii) Upon your termination of employment as a result of your death or
Disability on or prior to December 31, 2015, the Units shall immediately vest and the Shares shall be immediately issuable to you on the Date of Issuance; provided that the number of such Units vesting and such Shares shall be equal to the
product of (x) the Target Award amount as specified above and (y) a fraction, the numerator of which is the number of days from January 1, 2013, through the date of such death or Disability and the denominator of which is 1,095; and
provided further that in such case the Date of Issuance shall be as soon as practicable following your death or Disability and in all events on or before the later of December 31 of the year of termination or 2.5 months following such
termination. Upon your termination of employment as a result of your death or Disability on or after January 1, 2016, but prior to the Date of Issuance, the number of Units that shall vest and the number of Shares that shall be issuable to you
shall be as calculated in Section 3(a) above. 
 (iii) Notwithstanding any other provision in this
Agreement, upon your Retirement on or before December 31, 2013, all Units shall immediately be forfeited; and upon your Retirement on or after January 1, 2014, the number of Units that shall vest and the number of Shares that shall be
issuable to you shall be as calculated in Section 3(a) above. 
 (c) Effect of Change of Control.
Upon a Change of Control, the Units shall vest and the Shares shall become issuable to you in full upon or after the closing date of the transaction giving rise to the Change of Control, provided that, after such Change of Control, the number of
Units that shall vest and the number of Shares that shall be issuable to you shall be calculated based on a performance period from January 1, 2013 through the end of the fiscal quarter immediately preceding the closing date of the transaction
giving rise to the Change of Control; and provided further that the Date of Issuance in such case shall be as soon as practicable after the closing date of such transaction and certification of performance by the Committee, and in all events on or
before March 15 of the year following the year of such Change of Control and in all events within 60 days following such Change of Control. 
 4. Modification and Waiver. Except as provided in the Plan with respect to determinations of the Board or the Committee and subject to the Board’s right to amend the Plan, neither this
Agreement nor any provision hereof can be changed, modified, amended, discharged, terminated or waived orally or by any course of dealing or purported course of dealing, but only by an agreement in writing signed by you and Capital One; provided,
that changes, modifications and amendments not detrimental to you may be made in writing signed only by Capital One. No such agreement shall extend to or affect any provision of this Agreement not expressly changed, modified, amended, discharged,
terminated or waived or impair any right consequent on such a provision. The waiver of or failure to enforce any breach of this Agreement shall not be deemed to be a waiver or acquiescence in any other breach thereof. 

5. Dividends. Dividends with respect to the Shares shall accrue beginning on January 1, 2013, through the applicable Date of
Issuance when the Shares underlying the Units are delivered, at which time such accrued dividends shall be paid out in the form of additional shares of common stock of the Corporation based on the Fair Market Value of a share of the Company’s
common stock on the business day prior to the Date of Issuance. The accrued dividends that shall be paid out to you shall be only such amount that has accrued with respect to the Shares underlying the Units that vest on the Date of Issuance.

 6. Tax Withholding. If you become subject to withholding under applicable tax laws, you agree to pay Capital One the
amount required to be withheld by one or more of the following methods: 
 (a) Capital One’s designated
agent will automatically withhold the number of Shares having a Fair Market Value equal to the amount required to be withheld and deliver the proceeds thereof to Capital One, unless you otherwise instruct Capital One or its designated agent as
provided in (b) or (c) below; 
 (b) by making a timely election to send cash or check payment; or

 (c) by such other methods as Capital One may make available from time to time. 

 7. Governing Law. This Agreement shall be governed by federal law and, to the extent
not preempted thereby, by the laws of the State of Delaware. Capital One and you hereby consent and submit to the personal jurisdiction and venue of any state or federal court located in any city or county of Delaware for resolution of any and all
claims, causes of action or disputes arising out of this Agreement. You and Capital One agree that the court shall not set aside the Committee’s determinations unless there is clear and convincing evidence of bad faith or fraud. 

8. 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, except terms otherwise defined herein, the provisions of this Agreement shall govern. All references herein to the Plan shall mean the Plan as in effect on the date hereof. 

9. Bound by Plan. In consideration of the grant of the Units and the Shares, you agree that you will comply with such conditions
as the Committee may impose on the Units and the Shares and be bound by the terms of the Plan. 
 10. Employment Status.
This Agreement does not constitute a contract of employment nor does it alter your terminable at will status or otherwise guarantee future employment. 
 11. Binding Effect. This Agreement shall be binding upon, enforceable against, and inure to the benefit of you and your legatees, distributees and personal representatives, and Capital One and its
successors and assigns. 
 12. Forfeiture Event. You agree to reimburse the Company with respect to the
Units and the Shares to the extent required under Section 304 of the Sarbanes-Oxley Act of 2002 or as otherwise required by law. 
 13. Clawback. 
 (a) If prior to the third anniversary of the
Date of Issuance a Restatement Date occurs, you shall deliver to the Company on the Restatement Delivery Date the Clawback Shares (each as defined below), if any, as determined under this Section 13(a). 

For purposes of this Section 13(a): 

(i) “Amended Adjusted ROA” means the Adjusted ROA over the Performance Period and taking into account the
financial results of the Company as reflected in the Restatement. 
 (ii) “Held Shares” means the
Shares held by you as of the Restatement Delivery Date in the event that such number of Shares is less than the Clawback Shares. 
 (iii) “Clawback Shares” means the number of Shares equal to (A) the number of Shares that were issued to you under this Agreement on the Date of Issuance minus (B) the number of
shares of common stock of the Company that would have been issuable to you on the Date of Issuance as determined based on the Amended Adjusted ROA and certified by the Committee following the Restatement Date. For any member of the Peer Group that
restates its financial results for all or any portion of the Performance Period prior to the date that the number of Clawback Shares is certified by the Committee, the cumulative Adjusted ROA for such member of the Peer Group used for purposes of
calculating the Clawback Shares shall take into account such restatement. For the avoidance of doubt, neither you nor the Company shall have any obligation with respect to the Clawback Shares in the event that the number of Shares in clause
(B) of the 

 
preceding sentence exceeds the number of Shares in clause (A) of the preceding sentence. The Clawback Shares shall be delivered to the Company in Shares; provided, however, that in the event
that on the Restatement Delivery Date you do not hold a number of Shares equal to or greater than the Clawback Shares, you shall deliver to the Company (x) all Held Shares plus (y) the pre-tax proceeds from sales or other transfers
of all Recovery Shares. Such pre-tax proceeds shall be calculated starting with the most recent sale or other transfer of Recovery Shares prior to the Restatement Delivery Date and continuing in reverse chronological order with any prior sales or
transfers of Recovery Shares until the pre-tax proceeds of all Recovery Shares are determined. The “pre-tax proceeds” for any Recovery Shares that were transferred by you in a transaction other than a sale on the New York Stock Exchange
shall be the Fair Market Value of such Recovery Shares as of the date of such transaction. The “pre-tax proceeds” for any Recovery Shares that were withheld pursuant to Section 6 shall be the Fair Market Value of such Recovery Shares
as of the date they were withheld. 
 (iv) “Recovery Shares” means the number of Shares equal to the
difference between the Clawback Shares and your Held Shares. 
 (v) “Restatement” means an accounting
restatement of the Company’s financial statements, covering all or any portion of the Performance Period, due to the noncompliance of the Company with any financial reporting requirement under the securities laws. For the avoidance of doubt, in
the event that the Company makes any accounting restatement solely due to (A) any change after the Date of Issuance in U.S. generally accepted accounting principles or (B) any change after the Date of Issuance in financial reporting
requirements under the securities laws, such restatement shall not constitute a “Restatement” under this Section 13(a). 
 (vi) “Restatement Date” means the date after the Date of Issuance upon which the Company first files (A) a Restatement or (B) a Current Report on Form 8-K with the Securities and
Exchange Commission (or otherwise publicly announces) that the Company expects to issue a Restatement. 
 (vii)
“Restatement Delivery Date” means the date that is 30 days after the number of Clawback Shares is certified by the Committee in accordance with this Section 13(a), or such earlier date upon which you deliver the Clawback Shares to the
Company. 
 (b) The number of Units vesting and the number of Shares that shall become issuable on the Date of
Issuance shall be subject to reduction in an amount as determined by the Committee in its sole discretion in the event that, prior to the Date of Issuance, the Committee in its sole discretion determines that (i) there has been misconduct
resulting in either a violation of law or of Capital One policy or procedures, including but not limited to Capital One’s Code of Business Conduct and Ethics, that in either case causes significant financial or reputational harm to Capital One
and (ii) either you committed the misconduct or failed in your responsibility to manage or monitor the applicable conduct or risks. 
 14. Mandatory Holding Requirement. 
 (a) You agree that with
respect to the Applicable Holding Shares you may not transfer, sell, pledge, hypothecate or otherwise dispose of such Applicable Holding Shares until the Holding Date; provided that the requirements set forth in this Section 14 shall
immediately lapse and be of no further force and effect upon your death, Disability or a Change of Control. 

 (b) For purposes of this Section 14: 

(i) “Applicable Holding Shares” means 50% of the Shares acquired hereunder (not including any shares of common
stock of the Company sold or retained by the Company to fund the payment of any tax withholding obligation, brokerage commission or fees payable in connection with the Shares) during your term of employment with the Company and during the one-year
period after termination of your employment for any reason; and 
 (ii) “Holding Date” means the first
anniversary of the date of acquisition of any Applicable Holding Shares. 
 15. Miscellaneous. 

(a) Your obligations under this Agreement shall survive any termination of your employment with the Company for any
reason. 
 (b) You acknowledge that any of the Company’s rights or remedies under this Agreement shall be
cumulative and in addition to whatever other remedies the Company may have under law or equity. 
 (c) You agree
that any recovery by the Company under this Agreement will be a recovery of Shares to which you were not entitled under this Agreement and is not to be construed in any manner as a penalty. 

(d) The Company may, to the maximum extent permitted by applicable law, retain for itself funds or securities otherwise
payable to you pursuant to this Agreement to satisfy any obligation or debt that you owe to the Company, including any obligations hereunder. The Company may not retain such funds or securities until such time as they would otherwise be
distributable to you in accordance with this Agreement. 
 Capital One 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
Agreement you acknowledge receipt of the Plan and the Plan disclosure document and agree to be bound by the terms of this Agreement 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:	 	/s/ Mayo A. Shattuck III
		 	Mayo A. Shattuck III
		 	Chairman, Compensation Committee
		
		 	 /s/ Richard D. Fairbank

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

 CAPITAL ONE FINANCIAL CORPORATION 

2004 Stock Incentive Plan 
 Performance Unit Award Agreement 
 No. of Performance Units at Target: XX,XXX

 THIS PERFORMANCE UNIT AWARD AGREEMENT (this “Agreement”), dated January 31, 2013 (the “Date of
Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation (“Capital One” or the “Company”), and FIRST_NAME LAST_NAME (“you”), is made pursuant and subject to the provisions of the
Company’s 2004 Stock Incentive Plan, as amended and restated (the “Plan”) and all capitalized 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.

 WHEREAS, Article 9 of the Plan provides for the award from time to time in the discretion of the Committee of performance
units, the vesting and issuance of which are subject to certain service, performance or other conditions; 
 W I
T N E S S E T H : 
 1. Grant of Performance Units. Capital One
hereby grants to you an award of performance units (the “Units”) with a target award of %%TOTAL_SHARES_GRANTED%-% Units (the “Target Award”). The maximum payout for this award is 150% of the Target Award plus accrued
dividends pursuant to Section 5. The Units shall vest and the underlying shares of common stock of Capital One, $.01 par value per share (such underlying shares, the “Shares”), shall be issuable only in accordance with the provisions
of this Agreement and of the Plan. The Units will not have voting rights. 
 2. Non-Transferability. Subject to the
provisions of Section 3 hereof, the right to receive some or all of the Units and the Shares related thereto shall not be assignable or transferable, or otherwise alienated, pledged or hypothecated or otherwise encumbered under any
circumstances. Any purported or attempted assignment, transfer, alienation, pledge, hypothecation or encumbrance of such rights or of the Units or the Shares related thereto prior to their issuance to you shall be null and void and shall result in
the immediate forfeiture of such rights or Units, including the Shares related thereto, and cancellation of this Agreement. 

3. Lapse of Restrictions. 
 (b) Vesting. Except as provided in subsections 3(b) and 3(c) below and to the extent not previously vested or forfeited as provided herein, the Units shall vest on a date as determined by the
Committee after termination of the Performance Period (as defined below) and certification of performance by the Committee, but no later than March 15, 2016, or earlier in the event of your death, Disability or Change of Control pursuant to
paragraph 3(b) or (c) hereof (the “Date of Issuance”). On the Date of Issuance, the Units shall vest, and the Shares shall become issuable as determined based on the Company’s Adjusted ROA, as defined on Appendix A, as
measured against a peer group, consisting of companies in the KBW Bank Sector index as of January 1, 2013, excluding custody banks in that index (the “Peer Group), over a three-year performance period beginning on January 1, 2013 and
ending on December 31, 2015 (the “Performance Period”) as certified by the Committee following the end of the Performance Period. For members of the Peer Group who fail or are acquired, the Adjusted ROA through the time the
independent company stops reporting GAAP financials will be frozen and serve as their final return metric for the Performance Period. Members of the Peer Group that continue to operate as independent companies but that fall out of the KBW Bank
Sector index will continue to be used in the Peer Group. Members of the Peer Group as of January 1, 2013 are shown in Appendix B. Any new 

 
entrants to the KBW Bank Sector index after January 1, 2013 will not be considered members of the Peer Group for any award determination or calculation related to this Agreement. The number
of Units that shall vest and the number of Shares that shall become issuable on the Date of Issuance is set forth on Appendix A. The number of Units vesting and the number of Shares that shall become issuable on the Date of Issuance shall be
reduced in the event that Adjusted ROA for one or more fiscal years in the Performance Period is not positive, as provided on Appendix A. The number of Units vesting and the number of Shares that shall become issuable on the Date of Issuance
shall also be subject to reduction in accordance with section 13(b) below. 
 With respect to any Units that have
vested on the Date of Issuance, the Shares related thereto shall be issued to you, in settlement of such vested Units, on such Date of Issuance. Dividends will be accrued and paid out as additional shares at the time of the award, as provided in
Section 5 below. All Units, including your rights thereto and to the underlying Shares, which do not vest on or before the Date of Issuance, as provided in this Section 3, shall immediately be forfeited as of such Date of Issuance (to the
extent not previously forfeited as provided herein). 
 (b) Effect of Termination of Employment.

 (i) Upon termination of your employment with Capital One for any reason other than death, Disability,
Retirement or by Capital One not for Cause, as defined below, prior to the Date of Issuance, all Units shall immediately be forfeited (to the extent not previously vested as provided herein). 

(ii) Upon your termination of employment by Capital One not for Cause on or before December 31, 2015, the number of
Units that will vest and the number of underlying Shares that will become issuable to you shall be equal to the product of (x) the number of Units that would have vested on the Date of Issuance if you had remained employed with Capital One
through December 31, 2015, and (y) a fraction, the numerator of which is the number of complete days from January 1, 2013 through the date of termination of your employment and the denominator of which is 1,095. Such Units shall vest
and the underlying Shares shall become issuable to you on the Date of Issuance. Upon your termination by Capital One not for Cause on or after January 1, 2016, but prior to the Date of Issuance, the number of Units that shall vest on the Date
of Issuance and the number of underlying Shares that shall be issuable to you shall be as calculated in 3(a) above. 
 For the purposes of this Agreement, “Cause” shall be defined as the willful and continued failure by you to perform substantially your duties with the Company or any affiliated company (other
than any such failure resulting from incapacity due to physical or mental illness), after a written demand for substantial performance is delivered to you by the Capital One Board of Directors (the “Board”), the Committee, or the Chief
Executive Officer of the Company that specifically identifies the manner in which the Board, the Committee or the Chief Executive Officer of the Company believes that you have not substantially performed your duties, or the willful engaging by you
in illegal conduct or gross misconduct that in either case is materially and demonstrably injurious to the Company. 
 For purposes of this Section 3(b), no act, or failure to act, on your part shall be considered “willful” unless it is done, or omitted to be done, by you in bad faith or without reasonable
belief that your action or omission was in the best interests of the Company. Any act, or failure to act, based upon (A) authority given pursuant to a resolution duly adopted by the Board, or if the Company is not the ultimate parent
corporation of the affiliated companies and is not publicly-traded, the board of directors of the ultimate parent of the Company (the “Applicable Board”), (B) the instructions of the Chief Executive Officer of the Company (unless you
are the Chief Executive Officer at the time of any such instruction) or (C) the advice of counsel for the Company shall be 

 
conclusively presumed to be done, or omitted to be done, by you in good faith and in the best interests of the Company. The cessation of your employment shall not be deemed to be for Cause unless
and until there shall have been delivered to you a copy of a resolution duly adopted by the affirmative vote of not less than three-quarters of the entire membership of the Applicable Board (excluding you, if you are a member of the Applicable
Board) at a meeting of the Applicable Board called and held for such purpose (after reasonable notice is provided to you and you are given an opportunity, together with your counsel, to be heard before the Applicable Board), finding that, in the
good faith opinion of the Applicable Board, you are guilty of the conduct described in this Section 3(b)(ii), and specifying the particulars thereof in detail. 

(iii) Upon your termination of employment as a result of your death or Disability on or prior to December 31, 2015,
the Units shall immediately vest and the Shares shall be immediately issuable to you on the Date of Issuance; provided that the number of such Units vesting and such Shares shall be equal to the product of (x) the Target Award amount as
specified above and (y) a fraction, the numerator of which is the number of days from January 1, 2013, through the date of such death or Disability and the denominator of which is 1,095; and provided further that in such case the Date of
Issuance shall be as soon as practicable following your death or Disability and in all events on or before the later of December 31 of the year of termination or 2.5 months following such termination. Upon your termination of employment as a
result of your death or Disability on or after January 1, 2016, but prior to the Date of Issuance, the number of Units that shall vest and the number of Shares that shall be issuable to you shall be as calculated in Section 3(a) above.

 (iv) Upon your Retirement on or before December 31, 2015, the number of Units that shall vest and the
number of Shares that shall be issuable to you shall be as calculated in Section 3(a) above. 

(c) Effect of Change of Control. Upon a Change of Control, the Units shall vest and the Shares shall become
issuable to you in full upon or after the closing date of the transaction giving rise to the Change of Control, provided that, after such Change of Control, the number of Units that shall vest and the number of Shares that shall be issuable to you
shall be calculated based on a performance period from January 1, 2013 through the end of the fiscal quarter immediately preceding the closing date of the transaction giving rise to the Change of Control; and provided further that the Date of
Issuance in such case shall be as soon as practicable after the closing date of such transaction and certification of performance by the Committee, and in all events on or before March 15 of the year following the year of such Change of Control
and in all events within 60 days following such Change of Control. 
 4. Modification and Waiver. Except as provided in
the Plan with respect to determinations of the Board or the Committee and subject to the Board’s right to amend the Plan, neither this Agreement nor any provision hereof can be changed, modified, amended, discharged, terminated or waived orally
or by any course of dealing or purported course of dealing, but only by an agreement in writing signed by you and Capital One; provided, that changes, modifications and amendments not detrimental to you may be made in writing signed only by Capital
One. No such agreement shall extend to or affect any provision of this Agreement not expressly changed, modified, amended, discharged, terminated or waived or impair any right consequent on such a provision. The waiver of or failure to enforce any
breach of this Agreement shall not be deemed to be a waiver or acquiescence in any other breach thereof. 
 5. Dividends.
Dividends with respect to the Shares shall accrue beginning on January 1, 2013, through the applicable Date of Issuance when the Shares underlying the Units are delivered, at which time such accrued dividends shall be paid out in the form of
additional shares of common stock of the Corporation based on the Fair Market Value of a share of the Company’s common stock on the business day prior to the Date of Issuance. The accrued dividends that shall be paid out to you shall be only
such amount that has accrued with respect to the Shares underlying the Units that vest on the Date of Issuance. 

 6. Tax Withholding. If you become subject to withholding under applicable tax laws,
you agree to pay Capital One the amount required to be withheld by one or more of the following methods: 
 (d)
Capital One’s designated agent will automatically withhold the number of Shares having a Fair Market Value equal to the amount required to be withheld and deliver the proceeds thereof to Capital One, unless you otherwise instruct Capital One or
its designated agent as provided in (b) or (c) below; 
 (e) by making a timely election to send cash
or check payment; or 
 (f) by such other methods as Capital One may make available from time to time.

 7. Governing Law. This Agreement shall be governed by federal law and, to the extent not preempted thereby, by the
laws of the State of Delaware. Capital One and you hereby consent and submit to the personal jurisdiction and venue of any state or federal court located in any city or county of Delaware for resolution of any and all claims, causes of action or
disputes arising out of this Agreement. You and Capital One agree that the court shall not set aside the Committee’s determinations unless there is clear and convincing evidence of bad faith or fraud. 

8. 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, except terms otherwise defined herein, the provisions of this Agreement shall govern. All references herein to the Plan shall mean the Plan as in effect on the date hereof. 

9. Bound by Plan. In consideration of the grant of the Units and the Shares, you agree that you will comply with such conditions
as the Committee may impose on the Units and the Shares and be bound by the terms of the Plan. 
 10. Employment Status.
This Agreement does not constitute a contract of employment nor does it alter your terminable at will status or otherwise guarantee future employment. 
 14. Binding Effect. This Agreement shall be binding upon, enforceable against, and inure to the benefit of you and your legatees, distributees and personal representatives, and Capital One and its
successors and assigns. 
 15. Forfeiture Event. You agree to reimburse the Company with respect to the Units and the
Shares to the extent required under Section 304 of the Sarbanes-Oxley Act of 2002 or as otherwise required by law. 
 16.
Clawback. 
 (a) If, prior to the third anniversary of the Date of Issuance, a Restatement Date occurs,
you shall deliver to the Company on the Restatement Delivery Date the Clawback Shares (each as defined below), if any, as determined under this Section 13(a). 

For purposes of this Section 13(a): 

(viii) “Amended Adjusted ROA” means the Adjusted ROA over the Performance Period and taking into account the
financial results of the Company as reflected in the Restatement. 
 (ix) “Held Shares” means the
Shares held by you as of the Restatement Delivery Date in the event that such number of Shares is less than the Clawback Shares. 
 (x) “Clawback Shares” means the number of Shares equal to (A) the number of Shares that were issued to you under this Agreement on the Date of Issuance

 
minus (B) the number of shares of common stock of the Company that would have been issuable to you on the Date of Issuance as determined based on the Amended Adjusted ROA and
certified by the Committee following the Restatement Date. For any member of the Peer Group that restates its financial results for all or any portion of the Performance Period prior to the date that the number of Clawback Shares is certified by the
Committee, the cumulative Adjusted ROA for such member of the Peer Group used for purposes of calculating the Clawback Shares shall take into account such restatement. For the avoidance of doubt, neither you nor the Company shall have any obligation
with respect to the Clawback Shares in the event that the number of Shares in clause (B) of the preceding sentence exceeds the number of Shares in clause (A) of the preceding sentence. The Clawback Shares shall be delivered to the Company
in Shares; provided, however, that in the event that on the Restatement Delivery Date you do not hold a number of Shares equal to or greater than the Clawback Shares, you shall deliver to the Company (x) all Held Shares plus (y) the
pre-tax proceeds from sales or other transfers of all Recovery Shares. Such pre-tax proceeds shall be calculated starting with the most recent sale or other transfer of Recovery Shares prior to the Restatement Delivery Date and continuing in reverse
chronological order with any prior sales or transfers of Recovery Shares until the pre-tax proceeds of all Recovery Shares are determined. The “pre-tax proceeds” for any Recovery Shares that were transferred by you in a transaction other
than a sale on the New York Stock Exchange shall be the Fair Market Value of such Recovery Shares as of the date of such transaction. The “pre-tax proceeds” for any Recovery Shares that were withheld pursuant to Section 6 shall be the
Fair Market Value of such Recovery Shares as of the date they were withheld. 
 (xi) “Recovery Shares”
means the number of Shares equal to the difference between the Clawback Shares and your Held Shares. 
 (xii)
“Restatement” means an accounting restatement of the Company’s financial statements, covering all or any portion of the Performance Period, due to the noncompliance of the Company with any financial reporting requirement under the
securities laws. For the avoidance of doubt, in the event that the Company makes any accounting restatement solely due to (A) any change after the Date of Issuance in U.S. generally accepted accounting principles or (B) any change after
the Date of Issuance in financial reporting requirements under the securities laws, such restatement shall not constitute a “Restatement” under this Section 13(a). 

(xiii) “Restatement Date” means the date after the Date of Issuance upon which the Company first files
(A) a Restatement or (B) a Current Report on Form 8-K with the Securities and Exchange Commission (or otherwise publicly announces) that the Company expects to issue a Restatement. 

(xiv) “Restatement Delivery Date” means the date that is 30 days after the number of Clawback Shares is
certified by the Committee in accordance with this Section 13(a), or such earlier date upon which you deliver the Clawback Shares to the Company. 
 (b) The number of Units vesting and the number of Shares that shall become issuable on the Date of Issuance shall be subject to reduction in an amount as determined by the Committee in its sole discretion
in the event that, prior to the Date of Issuance, the Committee in its sole discretion determines that (i) there has been misconduct resulting in either a violation of law or of Capital One policy or procedures, including but not limited to
Capital One’s Code of Business Conduct and Ethics, that in either case causes significant financial or reputational harm to Capital One and (ii) either you committed the misconduct or failed in your responsibility to manage or monitor the
applicable conduct or risks. 

 14. Mandatory Holding Requirement. 

(a) You agree that with respect to the Applicable Holding Shares you may not transfer, sell, pledge, hypothecate or
otherwise dispose of such Applicable Holding Shares until the Holding Date; provided that the requirements set forth in this Section 14 shall immediately lapse and be of no further force and effect upon your death, Disability or a Change of
Control. 
 (b) For purposes of this Section 14: 

(i) “Applicable Holding Shares” means 50% of the Shares acquired hereunder (not including any shares of common
stock of the Company sold or retained by the Company to fund the payment of any tax withholding obligation, brokerage commission or fees payable in connection with the Shares) during your term of employment with the Company and during the one-year
period after termination of your employment for any reason; and 
 (ii) “Holding Date” means the first
anniversary of the date of acquisition of any Applicable Holding Shares. 
 15. Miscellaneous. 

(a) Your obligations under this Agreement shall survive any termination of your employment with the Company for any
reason. 
 (b) You acknowledge that any of the Company’s rights or remedies under this Agreement shall be
cumulative and in addition to whatever other remedies the Company may have under law or equity. 
 (c) You agree
that any recovery by the Company under this Agreement will be a recovery of Shares to which you were not entitled under this Agreement and is not to be construed in any manner as a penalty. 

(d) The Company may, to the maximum extent permitted by applicable law, retain for itself funds or securities otherwise
payable to you pursuant to this Agreement to satisfy any obligation or debt that you owe to the Company, including any obligations hereunder. The Company may not retain such funds or securities until such time as they would otherwise be
distributable to you in accordance with this Agreement. 
 [Signature page follows.] 

 Capital One 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 Agreement you acknowledge
receipt of the Plan and the Plan disclosure document and agree to be bound by the terms of this Agreement 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:	 	/s/ Jory Berson
	
	Jory Berson
	Chief Human Resources OfficerExhibit 10.2.16

 Exhibit 10.2.16 

CAPITAL ONE FINANCIAL CORPORATION 
 2004 Stock Incentive Plan 
 Restricted Stock Unit Award Agreement 

No. of Units: 38,841 
 THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated January 31, 2013 (the “Date of Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation
(“Capital One” or the “Company”), and Richard D. Fairbank (“you”), is made pursuant and subject to the provisions of the Company’s 2004 Stock Incentive Plan, as amended and restated (the “Plan”).
All capitalized terms used herein that are defined in the Plan shall have the same meaning given them in the Plan unless otherwise defined herein. 
 WHEREAS, Article 8 of the Plan provides for the award from time to time in the discretion of the Committee of Restricted Stock Units, representing shares of common stock of Capital One, $.01 par value per
share (“Common Stock”), the vesting and issuance of which are subject to continued employment with Capital One or other conditions; 
 W I T N E S S E T H : 
 1. Grant of Restricted Stock Units. Capital One hereby grants to you 38,841 Restricted Stock Units (the “Restricted Stock Units”). The Restricted Stock Units shall vest only in
accordance with the provisions of this Agreement and of the Plan. The Restricted Stock Units will not have voting rights. 
 2.
Non-Transferability. Subject to the provisions of Section 3 hereof, the rights represented by the Restricted Stock Units shall not be assignable or transferable, or otherwise alienated or hypothecated, under any circumstances. Any
purported or attempted transfer of such units or such rights shall be null and void and shall result in the immediate forfeiture and cancellation of the Restricted Stock Units. 

3. Payment of Restricted Stock Units. 
 (a) Vesting. Except as provided in Sections 3(b), 13 and 14 below, and to the extent not previously vested as provided herein, the Restricted Stock Units shall vest in full on February 10,
2016 (the “Vesting Date”); or, if earlier, upon (i) the termination of your employment due to death or Disability or (ii) a Change of Control, and the date of such death, Disability or Change of Control shall be the Vesting Date.
The period between January 1, 2013, and the Vesting Date shall be the “Performance Period.” 

Upon vesting, the Restricted Stock Units shall become payable in cash in an amount equal to the product of (i) the
average Fair Market Value of the Common Stock for the 20 trading days preceding the Vesting Date and (ii) the number of Restricted Stock Units vesting on the Vesting Date (subject to Section 5 below). 

(b) Effect of Termination of Employment for Cause or as a Result of Retirement. 

(i) Upon your termination of employment with Capital One for Cause (as defined herein), all Restricted Stock Units shall
immediately be forfeited (to the extent not previously vested as provided herein). 
 For the purposes of this
Agreement, “Cause” shall be defined as the willful and continued failure by you to perform substantially your duties with the Company or any affiliated company (other than any such failure resulting from incapacity due to physical or
mental illness), after a written demand for substantial performance is delivered to you by the Board or the Committee that specifically identifies the manner in which the Board or the Committee believe that you have not substantially performed your
duties, or the willful engaging by you in illegal conduct or gross misconduct that in either case is materially and demonstrably injurious to the Company. 

 For purposes of this Section 3(b), no act, or failure to act, on your
part shall be considered “willful” unless it is done, or omitted to be done, by you in bad faith or without reasonable belief that your action or omission was in the best interests of the Company. Any act, or failure to act, based upon
(A) authority given pursuant to a resolution duly adopted by the Board, or if the Company is not the ultimate parent corporation of the affiliated companies and is not publicly-traded, the board of directors of the ultimate parent of the
Company (the “Applicable Board”), or (B) the advice of counsel for the Company shall be conclusively presumed to be done, or omitted to be done, by you in good faith and in the best interests of the Company. The cessation of your
employment shall not be deemed to be for Cause unless and until there shall have been delivered to you a copy of a resolution duly adopted by the affirmative vote of not less than three-quarters of the entire membership of the Applicable Board
(excluding you, if you are a member of the Applicable Board) at a meeting of the Applicable Board called and held for such purpose (after reasonable notice is provided to you and you are given an opportunity, together with your counsel, to be heard
before the Applicable Board), finding that, in the good faith opinion of the Applicable Board, you are guilty of the conduct described in this Section 3(b)(i), and specifying the particulars thereof in detail. 

(ii) Upon your termination of employment with Capital One as a result of Retirement, the Restricted Stock Units shall
continue to vest and become payable to you on the Vesting Date and remain subject to reduction pursuant to Section 13 and 14. 
 4. Modification and Waiver. Except as provided in the Plan with respect to determinations of the Committee and subject to the Committee’s right to amend the Plan, neither this Agreement nor
any provision hereof can be changed, modified, amended, discharged, terminated or waived orally or by any course of dealing or purported course of dealing, but only by an agreement in writing signed by you and Capital One; provided that, changes,
modifications and amendments not detrimental to you may be made in writing signed only by Capital One. No such agreement shall extend to or affect any provision of this Agreement not expressly changed, modified, amended, discharged, terminated or
waived or impair any right consequent on such a provision. The waiver of or failure to enforce any breach of this Agreement shall not be deemed to be a waiver or acquiescence in any other breach thereof. 

5. Tax Withholding. If you become subject to withholding under applicable tax laws, you agree to pay Capital One the amount
required to be withheld by one or more of the following methods: 
 (a) automatically through payroll
withholding; and 
 (b) by such other methods as Capital One may make available from time to time. 

6. Dividend Equivalents. With respect to the Restricted Stock Units, you shall be credited with dividend equivalents as and when
dividends are paid to the Company’s other stockholders. Such dividend equivalents shall accumulate and be paid to you in cash (without interest) as and when you receive payment under Section 3 with respect to the Restricted Stock Units
from which such dividend equivalents are derived. All such dividend equivalents shall be subject to the same vesting requirements that apply to the Restricted Stock Units from which such dividend equivalents are derived. 

7. Governing Law. This Agreement shall be governed by federal law and, to the extent not preempted thereby, by the laws of the
State of Delaware. 
 8. 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, except terms otherwise defined herein, the provisions of the Plan shall govern. All references herein to the Plan shall mean the Plan as in effect on the date hereof. 

9. Bound by Plan. In consideration of the grant of the Restricted Stock Units, you agree that you will comply with such conditions
as the Committee may impose on the Restricted Stock Units and be bound by the terms of the Plan. 

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

12. Forfeiture Event. You agree to reimburse the Company with respect to the Restricted Stock Units to the extent required under
Section 304 of the Sarbanes-Oxley Act of 2002 or as otherwise required by law. 
 13. Clawback. The number of
Restricted Stock Units vesting on the Vesting Date shall be subject to reduction in an amount as determined by the Committee in its sole discretion in the event that prior to the Vesting Date the Committee in its sole discretion determines that
(i) there has been misconduct resulting in either a violation of law or of Capital One policy or procedures, including but not limited to Capital One’s Code of Business Conduct and Ethics, that in either case causes significant financial
or reputational harm to Capital One and (ii) either you committed the misconduct or failed in your responsibility to manage or monitor the applicable conduct or risks. 
 14. Performance-Based Adjustment. 
 (a) The number of
Restricted Stock Units vesting on the Vesting Date shall be subject to reduction as follows: 
 (i) For each
fiscal year of the Company ending during the Performance Period, if any, that (A) Core Earnings for the Company for such fiscal year, as certified by the Committee, are not positive (i.e., Core Earnings are not greater than zero) and
(B) Base ROA for the Company for such fiscal year, as certified by the Committee, is better than or equal to negative one percent (-1%), the number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by
6,474; and 
 (ii) For each fiscal year of the Company ending during the Performance Period, if any, that
Base ROA for the Company for such fiscal year, as certified by the Committee, is not better than or equal to negative one percent (-1%), the number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by 12,947
regardless of the Core Earnings of the Company for such fiscal year, and there shall be no additional reduction for such fiscal year pursuant to subsection 14(a)(i) above. 

(b) For purposes of this Section 14: 

(i) “Core Earnings” means the Company’s net income available to common stockholders, excluding, on a
tax-adjusted basis, the impact of (A) impairment or amortization of intangible assets, (B) the credit portion of other than temporary impairment of the securities portfolio, (C) the build or release of the allowance for loan and lease
losses, calculated as the difference between the provision for loan and lease losses and charge-offs, net of recoveries, and (D) the change in the combined uncollectible finance charge and fee reserve; 

(ii) “Base ROA” means the ratio, expressed as a percentage, of (A) the Company’s net income available
to common stockholders, excluding, on a tax-adjusted basis, the impact of any impairment of intangible assets, to (B) the Company’s average total assets for the period; and 

(iii) In the event of any change to U.S. generally accepted accounting principles affecting the treatment or
classification of any component of Core Earnings or Base ROA, such metric shall be calculated in a manner consistent with the definitions herein to the extent practicable. 

 15. Miscellaneous. 

(a) Your obligations under this Agreement shall survive any termination of your employment with the Company for any
reason. 
 (b) You acknowledge that any of the Company’s rights or remedies under this Agreement shall be
cumulative and in addition to whatever other remedies the Company may have under law or equity. 
 (c) You agree
that any recovery by the Company under this Agreement will be a recovery of Restricted Stock Units to which you were not entitled under this Agreement and is not to be construed in any manner as a penalty. 

(d) The Company may, to the maximum extent permitted by applicable law and Section 409A of the Code, retain for
itself funds or securities otherwise payable to you pursuant to this Agreement to satisfy any obligation or debt that you owe the Company, including any obligations hereunder. The Company may not retain such funds or securities until such time as
they would otherwise be distributable to you in accordance with this Agreement. 
 Capital One 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 Agreement you acknowledge receipt of the Plan and the Plan disclosure document and agree to be bound by the terms of this Agreement 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:	 	/s/ Mayo A. Shattuck III
		 	Mayo A. Shattuck III
		 	Chairman, Compensation Committee
		
		 	 /s/ Richard D. Fairbank

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

 CAPITAL ONE FINANCIAL CORPORATION 

2004 Stock Incentive Plan 
 Restricted Stock Unit Award Agreement 
 No. of Units: %%TOTAL_SHARES_GRANTED%-%

 THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated January 31, 2013 (the “Date of
Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation (“Capital One” or the “Company”), and FIRST_NAME LAST_NAME (“you”), is made pursuant and subject to the provisions of the
Company’s 2004 Stock Incentive Plan, as amended and restated (the “Plan”). All capitalized terms used herein that are defined in the Plan shall have the same meaning given them in the Plan unless otherwise defined herein. 

WHEREAS, Article 8 of the Plan provides for the award from time to time in the discretion of the Committee of Restricted Stock Units,
representing shares of common stock of Capital One, $.01 par value per share (“Common Stock”), the vesting and issuance of which are subject to continued employment with Capital One or other conditions; 

W I T N E S S E T H : 

1. Grant of Restricted Stock Units. Capital One hereby grants to you %%TOTAL_UNITS_GRANTED%-% Restricted Stock Units (the
“Restricted Stock Units”). The Restricted Stock Units shall vest only in accordance with the provisions of this Agreement and of the Plan. The Restricted Stock Units will not have voting rights. 

2. Non-Transferability. Subject to the provisions of Section 3 hereof, the rights represented by the Restricted Stock Units
shall not be assignable or transferable, or otherwise alienated or hypothecated, under any circumstances. Any purported or attempted transfer of such units or such rights shall be null and void and shall result in the immediate forfeiture and
cancellation of the Restricted Stock Units. 
 3. Payment of Restricted Stock Units. 

(a) Vesting. Except as provided in subsections 3(b) and 3(c) below, and to the extent not previously vested or
forfeited as provided herein, 100% of the Restricted Stock Units shall vest on December 15, 2013 (the “Vesting Date”); or, if earlier, in full upon (i) the termination of your employment due to death or Disability; or (ii) a
Change of Control, and the date of such death, Disability or Change of Control shall be the Vesting Date. 
 Upon
vesting, the Restricted Stock Units shall become payable in cash in an amount equal to the product of (i) the average Fair Market Value of the Common Stock for the 20 trading days preceding the Vesting Date and (ii) the number of
Restricted Stock Units vesting on the Vesting Date (subject to Section 5 below). 
 (b) Effect of
Termination of Employment. Upon your termination of employment with Capital One for any reason other than death, Disability or a Change of Control, prior to the Vesting Date (such date of termination, the “Termination Date”), the Units
shall immediately vest and become payable in cash on the Termination Date provided that in such case the amount payable shall be equal to the product of (a) and (b) where (a) shall be equal to the product of (i) the average Fair
Market Value of the Common Stock for the 20 trading days preceding the Termination Date and (ii) the number of Restricted Stock Units that would have vested on the Vesting Date if your employment had not been terminated and (b) is a
fraction, the numerator of which is the number of calendar days from January 1, 2013 through and including the Termination Date and the denominator of which is 365. 
 4. Modification and Waiver. Except as provided in the Plan with respect to determinations of the Committee and subject to the Committee’s right to amend the Plan, neither this Agreement nor
any provision hereof can be changed, modified, amended, discharged, terminated or waived orally or by any course of dealing or 

 
purported course of dealing, but only by an agreement in writing signed by you and Capital One; provided that, changes, modifications and amendments not detrimental to you may be made in writing
signed only by Capital One. No such agreement shall extend to or affect any provision of this Agreement not expressly changed, modified, amended, discharged, terminated or waived or impair any right consequent on such a provision. The waiver of or
failure to enforce any breach of this Agreement shall not be deemed to be a waiver or acquiescence in any other breach thereof. 

5. Tax Withholding. If you become subject to withholding under applicable tax laws, you agree to pay Capital One the amount
required to be withheld by one or more of the following methods: 
 (a) automatically through payroll
withholding; and 
 (b) by such other methods as Capital One may make available from time to time. 

6. Dividend Equivalents. With respect to the Restricted Stock Units, dividend equivalents shall be paid to you in cash as soon as
is practicable after dividends are paid to the Company’s other stockholders. 
 7. Governing Law. This Agreement
shall be governed by federal law and, to the extent not preempted thereby, by the laws of the State of Delaware. 
 8.
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, except terms otherwise defined herein, the provisions of the Plan shall govern. All references
herein to the Plan shall mean the Plan as in effect on the date hereof. 
 9. Bound by Plan. In consideration of the
grant of the Restricted Stock Units, you agree that you will comply with such conditions as the Committee may impose on the Restricted Stock Units and be bound by the terms of the Plan. 

10. Employment Status. This Agreement does not constitute a contract of employment nor does it alter your terminable at will
status or otherwise guarantee future employment. 
 11. Binding Effect. This Agreement shall be binding upon, enforceable
against, and inure to the benefit of you and your legatees, distributees and personal representatives, and Capital One and its successors and assigns. 
 12. Forfeiture Event. You agree to reimburse the Company with respect to the Restricted Stock Units to the extent required under Section 304 of the Sarbanes-Oxley Act of 2002 or as otherwise
required by law. 
 Capital One 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 Agreement you acknowledge receipt of the Plan
and the Plan disclosure document and agree to be bound by the terms of this Agreement 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:	 	/s/ Jory Berson
	
	Jory Berson
	Chief Human Resources Officer

 CAPITAL ONE FINANCIAL CORPORATION 

2004 Stock Incentive Plan 
 Restricted Stock Unit Award Agreement 
 No. of Units: %%TOTAL_SHARES_GRANTED%-%

 THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated January 31, 2013 (the “Date of
Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation (“Capital One” or the “Company”), and FIRST_NAME LAST_NAME (“you”), is made pursuant and subject to the provisions of the
Company’s 2004 Stock Incentive Plan, as amended and restated (the “Plan”). All capitalized terms used herein that are defined in the Plan shall have the same meaning given them in the Plan unless otherwise defined herein. 

WHEREAS, Article 8 of the Plan provides for the award from time to time in the discretion of the Committee of Restricted Stock Units,
representing shares of common stock of Capital One, $.01 par value per share (“Common Stock”), the vesting and issuance of which are subject to continued employment with Capital One or other conditions; 

W I T N E S S E T H : 

1. Grant of Restricted Stock Units. Capital One hereby grants to you %%TOTAL_SHARES_GRANTED%-% Restricted Stock Units (the
“Restricted Stock Units). The Restricted Stock Units shall vest only in accordance with the provisions of this Agreement and of the Plan. The Restricted Stock Units will not have voting rights. 

2. Non-Transferability. Subject to the provisions of Section 3 hereof, the rights represented by the Restricted Stock Units
shall not be assignable or transferable, or otherwise alienated or hypothecated, under any circumstances. Any purported or attempted transfer of such units or such rights shall be null and void and shall result in the immediate forfeiture and
cancellation of the Restricted Stock Units. 
 3. Payment of Restricted Stock Units. 

(a) Vesting. Except as provided in subsections 3(b), 3(c) and 13 below, and to the extent not previously vested or
forfeited as provided herein, the Restricted Stock Units shall vest as follows: 
 One-third of the Restricted Stock Units on
February 10, 2014 
 One-third of the Restricted Stock Units on February 10, 2015 

One-third of the Restricted Stock Units on February 10, 2016 
 Each of the anniversaries of the Date of Grant above shall be a “Vesting Date.” Notwithstanding the foregoing, the Restricted Stock Units shall vest in full upon (i) the termination of your
employment due to death or Disability; or (ii) a Change of Control, and the date of such death, Disability or Change of Control shall be the Vesting Date for all applicable Restricted Stock Units. 

Upon vesting, the Restricted Stock Units shall become payable in cash in an amount equal to the product of (i) the
average Fair Market Value of the Common Stock for the 20 trading days preceding the Vesting Date and (ii) the number of Restricted Stock Units vesting on the Vesting Date (subject to Section 5 below). 

(b) Effect of Termination of Employment Not For Cause. Upon your termination of employment with Capital One due to
Retirement or for any reason other than for Cause (as defined herein), death, Disability or a Change of Control, the Units shall continue to vest and become payable in cash on the regularly scheduled Vesting Dates specified in Section 3(a) (to
the extent not previously vested or forfeited as provided herein) and remain subject to reduction pursuant to Section 13. 
 (c) Effect of Termination of Employment For Cause. Upon your termination of employment with the Company for Cause prior to any Vesting Date, all Restricted Stock Units, as of such date of
termination, shall be immediately forfeited (to the extent not previously vested as provided herein). 

 For the purposes of this Agreement, “Cause” shall be defined as
the willful and continued failure by you to perform substantially your duties with the Company or any affiliated company (other than any such failure resulting from incapacity due to physical or mental illness), after a written demand for
substantial performance is delivered to you by the Board, the Committee, or the Chief Executive Officer of the Company that specifically identifies the manner in which the Board, the Committee or the Chief Executive Officer of the Company believes
that you have not substantially performed your duties, or the willful engaging by you in illegal conduct or gross misconduct that in either case is materially and demonstrably injurious to the Company. 

For purposes of this Section 3(c), no act, or failure to act, on your part shall be considered “willful”
unless it is done, or omitted to be done, by you in bad faith or without reasonable belief that your action or omission was in the best interests of the Company. Any act, or failure to act, based upon (A) authority given pursuant to a
resolution duly adopted by the Board, or if the Company is not the ultimate parent corporation of the affiliated companies and is not publicly-traded, the board of directors of the ultimate parent of the Company (the “Applicable Board”),
(B) the instructions of the Chief Executive Officer of the Company (unless you are the Chief Executive Officer at the time of any such instruction) or (C) the advice of counsel for the Company shall be conclusively presumed to be done, or
omitted to be done, by you in good faith and in the best interests of the Company. The cessation of your employment shall not be deemed to be for Cause unless and until there shall have been delivered to you a copy of a resolution duly adopted by
the affirmative vote of not less than three-quarters of the entire membership of the Applicable Board (excluding you, if you are a member of the Applicable Board) at a meeting of the Applicable Board called and held for such purpose (after
reasonable notice is provided to you and you are given an opportunity, together with your counsel, to be heard before the Applicable Board), finding that, in the good faith opinion of the Applicable Board, you are guilty of the conduct described in
this Section 3(c), and specifying the particulars thereof in detail. 
 4. Modification and Waiver. Except as
provided in the Plan with respect to determinations of the Committee and subject to the Committee’s right to amend the Plan, neither this Agreement nor any provision hereof can be changed, modified, amended, discharged, terminated or waived
orally or by any course of dealing or purported course of dealing, but only by an agreement in writing signed by you and Capital One; provided that, changes, modifications and amendments not detrimental to you may be made in writing signed only by
Capital One. No such agreement shall extend to or affect any provision of this Agreement not expressly changed, modified, amended, discharged, terminated or waived or impair any right consequent on such a provision. The waiver of or failure to
enforce any breach of this Agreement shall not be deemed to be a waiver or acquiescence in any other breach thereof. 
 5.
Tax Withholding. If you become subject to withholding under applicable tax laws, you agree to pay Capital One the amount required to be withheld by one or more of the following methods: 

(a) automatically through payroll withholding; and 

(b) by such other methods as Capital One may make available from time to time. 

6. Dividend Equivalents. With respect to the Restricted Stock Units, dividend equivalents shall be paid to you in cash as soon as
is practicable after dividends are paid to the Company’s other stockholders. 
 7. Governing Law. This Agreement
shall be governed by federal law and, to the extent not preempted thereby, by the laws of the State of Delaware. 
 8.
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, except terms otherwise defined herein, the provisions of the Plan shall govern. All references
herein to the Plan shall mean the Plan as in effect on the date hereof. 

 9. Bound by Plan. In consideration of the grant of the Restricted Stock Units, you
agree that you will comply with such conditions as the Committee may impose on the Restricted Stock Units and be bound by the terms of the Plan. 
 10. Employment Status. This Agreement does not constitute a contract of employment nor does it alter your terminable at will status or otherwise guarantee future employment. 

11. Binding Effect. This Agreement shall be binding upon, enforceable against, and inure to the benefit of you and your legatees,
distributees and personal representatives, and Capital One and its successors and assigns. 
 12. Forfeiture Event. You
agree to reimburse the Company with respect to the Restricted Stock Units to the extent required under Section 304 of the Sarbanes-Oxley Act of 2002 or as otherwise required by law. 

13. Clawback. All unvested Restricted Stock Units granted hereunder shall be subject to forfeiture in the event that the Committee
in its sole discretion determines that (i) there has been misconduct resulting in either a violation of law or of Capital One policy or procedures, including but not limited to Capital One’s Code of Business Conduct and Ethics, that in
either case causes significant financial or reputational harm to Capital One and (ii) either you committed the misconduct or failed in your responsibility to manage or monitor the applicable conduct or risks. In the event that the Committee
makes a determination as provided in the preceding sentence, all or any portion of Restricted Stock Units that have not yet vested under this Agreement as of the date of such determination shall be forfeited in an amount as determined by the
Committee in its sole discretion. 
 14. Miscellaneous. 

(a) Your obligations under this Agreement shall survive any termination of your employment with the Company for any
reason. 
 (b) You acknowledge that any of the Company’s rights or remedies under this Agreement shall be
cumulative and in addition to whatever other remedies the Company may have under law or equity. 
 (c) You agree
that any recovery by the Company under this Agreement will be a recovery of Restricted Stock Units to which you were not entitled under this Agreement and is not to be construed in any manner as a penalty. 

(d) The Company may, to the maximum extent permitted by applicable law and Section 409A of the Code, retain for
itself funds or securities otherwise payable to you pursuant to this Agreement to satisfy any obligation or debt that you owe the Company, including any obligations hereunder. The Company may not retain such funds or securities until such time as
they would otherwise be distributable to you in accordance with this Agreement. 
 Capital One 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 Agreement you acknowledge receipt of the Plan and the Plan disclosure document and agree to be bound by the terms of this Agreement 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:	 	/s/ Jory Berson
	
	Jory Berson
	Chief Human Resources Officer

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