Document:

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                                                                   Exhibit 10 II

                               OMNIBUS STOCK PLAN

                        RESTRICTED STOCK AWARD AGREEMENT

         AGREEMENT, made effective as of April 29, 2002, by and between
Mercantile Bankshares Corporation, a Maryland corporation ("Company"), and Jack
E. Steil ("Award Recipient"):

         WHEREAS, the Company maintains the Mercantile Bankshares Corporation
1999 Omnibus Stock Plan ("Omnibus Stock Plan") under which the Company's
Compensation Committee ("Committee") of the Board of Directors ("Board") may,
among other things, award shares of the Company's Common Stock of $2.00 par
value ("Common Stock") to such members of the Company's management team as the
Committee may determine, subject to such terms, conditions, or restrictions as
the Committee may deem appropriate; and

         WHEREAS, pursuant to the Omnibus Stock Plan, the Committee, with the
approval of the Board, has granted to the Award Recipient a restricted stock
award subject to this Agreement setting forth the terms and conditions
applicable to such award in accordance with Article 5 of the Omnibus Stock Plan;
and

         WHEREAS, the Award Recipient desires to accept said award in accordance
with the terms and provisions of the Omnibus Stock Plan and this Agreement.

         NOW, THEREFORE, in consideration of the premises and mutual covenants
and agreements contained herein, the Company and Award Recipient agree as
follows:

1.       AWARD OF SHARES:

         Under the terms of the Omnibus Stock Plan, the Committee has granted to
the Award Recipient, and has caused to be recorded on the books of the Company,
a restricted stock award on April 29, 2002 ("Award Date"), of 5,000 shares of
Common Stock ("Award Shares") subject to the terms, conditions, and restrictions
set forth in this Agreement. The Award Recipient has paid to the Company a
purchase price of $50.00, equal to $0.01 for each Award Share granted hereunder.

2.       AWARD RESTRICTIONS:

         The Award Shares shall be nontransferable and subject to forfeiture
until such shares vest in accordance with the provisions set forth below.
Subject to Section 4 of this Agreement, the Award Shares shall become vested in
three installments at the end of three periods of time (each, a "restriction
period"), if the Award Recipient shall have been continuously employed by the
Company and its affiliate, Mercantile-Safe Deposit and Trust Company
("Merc-Safe") throughout the applicable restriction period. The

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number of Award Shares which may become vested in each installment, and the
applicable restriction periods, are set forth below.

                           Number of Award           Restriction
                            Shares Vesting         Period Ending
                           ---------------         -------------
                              1,667                March 12, 2003
                              1,667                March 12, 2004
                              1,666                March 12, 2005
                              -----
                              5,000

         Upon the vesting of Award Shares by virtue of the lapse of the
applicable restriction period set forth above or under Section 4 of this
Agreement, the Company shall deliver to the Award Recipient (or the person or
persons entitled thereto under Section 12 of this Agreement in the event of his
death) a stock certificate covering the requisite number of vested shares
registered on the Company's books within 30 days after vesting. Upon receipt of
such stock certificate, the holder is free to hold or dispose of such
certificate at will, subject to any applicable securities laws or regulations
governing transferability of shares of the Company.

         During the applicable restriction period and prior to vesting, Award
Shares are not transferable by the Award Recipient by means of sale, assignment,
exchange, pledge, hypothecation, or otherwise (other than by will or other
instrument taking effect upon his death or the laws of descent and
distribution).

3.       STOCK CERTIFICATES:

         Prior to the vesting of the Award Shares, the stock certificate(s)
evidencing the Award Shares shall be registered on the Company's books in the
name of the Award Recipient as of the Award Date. Physical possession or custody
of such stock certificate(s) shall be retained by the Company until such time as
the shares are vested. While in its possession, the Company reserves the right
to place a legend on the stock certificate(s) restricting the transferability of
such certificate(s) and referring to the terms and conditions (including
forfeiture) approved by the Committee and applicable to the shares represented
by the certificate(s). The Award Recipient shall deliver to the Company such
number of stock powers, endorsed in blank, as the Committee shall require with
respect to the Award Shares to be held by the Company during each restriction
period.

         Prior to the vesting of the Award Shares, the Award Recipient shall be
entitled to vote the Award Shares and to all other rights of a holder of Common
Stock of the Company, except that cash dividends will not be paid to the Award
Recipient but shall be withheld by the Company on the following terms. The
Company shall maintain and record a calculation of the number of additional
shares of Common Stock ("Additional Award Shares") that the Award Recipient
would own at the end of each restriction period (or at such earlier date on
which Award Shares shall become vested under Section 4 of

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this Agreement) as if cash dividends (commencing with the dividend payable on
March 29, 2002) had been payable to the Award Recipient and had been reinvested
in Common Stock (including fractional shares) of the Company by him as a
participant in the Company's Dividend Reinvestment and Stock Purchase Plan (as
in effect on the date hereof, or any such amended or successor plan). Upon the
vesting of the Award Shares, a certificate for the Additional Award Shares shall
be issued to the Award Recipient in the same manner as will apply to the Award
Shares and shall be deemed to be awarded as a supplemental restricted stock
award under the Omnibus Stock Plan, in consideration of the amount of cash
dividends withheld, with cash paid in lieu of any fractional Additional Award
Share. If any Award Shares do not become vested, the Additional Award Shares
attributable thereto will not be issued and no payments to the Award Recipient
with respect to such Award Share cash dividends will be made.

         Any securities or other property distributable to holders of Common
Stock of the Company, other than cash dividends, prior to the vesting of Award
Shares, shall be treated in the same way, subject to the same vesting and
forfeiture conditions, as Award Shares and shall not be distributed to the Award
Recipient unless and until such Award Shares become vested.

4.       TERMINATION OF EMPLOYMENT:

         If the Award Recipient's employment with the Company and Merc-Safe
terminates due to death or total and permanent disability or by reason of
involuntary termination of his employment by the Company and Merc-Safe in
violation of any employment agreement, during a restriction period, any Award
Shares which are then subject to restriction shall become fully vested as of
such date of termination of employment. If the employment of the Award Recipient
with the Company and Merc-Safe is terminated for any other reason during a
restriction period, no Award Shares which are then subject to restriction shall
become vested and such Award Shares shall be forfeited by the Award Recipient
and revert to the Company, without payment of any consideration to the Award
Recipient. The Committee shall have absolute discretion (subject to any
applicable laws) to determine whether an authorized leave of absence or absence
on military or government service or otherwise shall constitute a termination of
employment for purposes of this Agreement. The Committee shall have absolute
discretion to determine whether an Award Recipient's termination of employment
is due to total and permanent disability. The Committee may require the Award
Recipient to provide whatever evidence the Committee deems desirable to
ascertain whether the Award Recipient is totally and permanently disabled.

5.       WITHHOLDING TAXES AND TAX ELECTIONS:

         The Company or Merc-Safe shall have the right to deduct from any
compensation or any other payment of any kind (including withholding the
issuance of shares of Common Stock) due the Award Recipient the amount of any
federal, state or local taxes required by law to be withheld as a result of the
grant of the restricted stock award or the lapse of a restriction period in
whole or in part; provided, however, that the value of the

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shares of Common Stock withheld may not exceed the statutory minimum withholding
amount required by law. In lieu of such deduction, the Company may require the
Award Recipient to make a cash payment to the Company or an Affiliate equal to
the amount required to be withheld. If the Award Recipient does not make such
payment when requested, the Company may refuse to issue any Common Stock
certificate under this Agreement until arrangements satisfactory to the
Committee for such payment have been made.

         The Award Recipient has received an information letter disclosing that
an election could be made under Section 83(b) of the Internal Revenue Code of
1986, as amended, under which he could recognize income on the grant of Award
Shares at the time of the grant and prior to the vesting of such Award Shares.
The parties have concluded that certain possible consequences of such an
election would not be in the best interests of either party, and the Award
Recipient, as a condition of the grant, agrees not to make such an election.

6.       IMPACT ON OTHER BENEFITS:

         The value of the restricted stock award (either on the Award Date or at
the time the shares are vested) shall not be includable as compensation or
earnings for purposes of any other benefit plan offered by the Company.

7.       ADMINISTRATION:

         The Committee or the Board shall have full authority and discretion
(subject only to the express provisions of the Omnibus Stock Plan) to decide all
matters relating to the administration, interpretation and implementation of the
Omnibus Stock Plan and this Agreement. All such Committee determinations shall
be final, conclusive, and binding upon the Company, the Award Recipient, and any
and all interested parties.

8.       RIGHT TO CONTINUED EMPLOYMENT:

         Nothing in the Omnibus Stock Plan or this Agreement shall be construed
as a contract of employment between the Company and the Award Recipient, or as a
contractual right of the Award Recipient to continue in the employ of the
Company or Merc-Safe.

9.       AMENDMENTS:

         This Agreement contains the entire agreement between the parties with
respect to the subject matter contained herein and may not be modified, except
as provided in the Omnibus Stock Plan or in a written document signed by each of
the parties hereto.

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10.      FORCE AND EFFECT:

         This Agreement is intended to conform in all respects with, and is
subject to all applicable provisions of, the Omnibus Stock Plan (including,
without limitation, the antidilution and other provisions of Article 7), which
is incorporated herein by reference. Inconsistencies between this Agreement and
the Omnibus Stock Plan shall be resolved in accordance with the terms of the
Omnibus Stock Plan. In the event of any ambiguity in this Agreement or any
matters as to which this Agreement is silent, the Omnibus Stock Plan shall
govern.

11.      PREVAILING LAWS:

         This Agreement shall be construed and enforced in accordance with and
governed by the laws of the State of Maryland, without regard to the conflict of
laws principles thereof.

12.      SUCCESSORS:

         This Agreement shall be binding upon and inure to the benefit of the
Company, its successors and assigns, and the Award Recipient and his heirs,
personal representatives and assigns.

         IN WITNESS WHEREOF, the Company has caused this Agreement to be
executed by its duly authorized officer, and the Award Recipient has hereunto
set his hand and seal, on this 29/th/ day of April, 2002.

ATTEST:                                Mercantile Bankshares Corporation

 /s/ Alan D. Yarbro                    By: /s/ Edward J. Kelly, III   (SEAL)
----------------------------              -------------------------
Alan D. Yarbro, Secretary                  Edward J. Kelly, III
                                           President and Chief Executive Officer

WITNESS:

 /s/ Alan D. Yarbro                        /s/ Jack E. Steil          (SEAL)
----------------------------           ----------------------------
Alan D. Yarbro                             Jack E. Steil

                                      -5-<PAGE>

                                                                   EXHIBIT 10 JJ
                          AGREEMENT AND GENERAL RELEASE

          This is an Agreement and General Release (Agreement) between
Mercantile Bankshares Corporation (the "Corporation"), Mercantile-Safe Deposit &
Trust Company (the Bank) and Alan D. Yarbro (Mr. Yarbro). The parties agree as
follows:

          1. The Bank agrees that it will make bi-weekly severance payments to
Mr. Yarbro, based on his current regular annual salary rate, which is
$300,000.00, less all lawful deductions, for the period July 1, 2002 through
December 31, 2002.

          2. The Bank agrees to provide Mr. Yarbro his current level of benefits
through December 31, 2002. The Bank will provide these benefits to Mr. Yarbro in
the following areas: dental coverage, medical coverage, medical reimbursement
plan, life insurance coverage, thrift plan, pension plan, employee assistance
program, blood program, parking and checking account benefits. The parties agree
that payments for benefits and premiums for benefit coverage will continue to be
made in the same manner as prior to this Agreement, and that allowable
deductions from Mr. Yarbro's pay shall be made for such payments. The parties
further agree that the Bank and Mr. Yarbro will continue to make payments for
benefits and benefit premiums in substantially the same proportion as before
this Agreement.

          3. The Bank agrees to pay Mr. Yarbro the sum of Fifty-Two Thousand
Dollars ($52,000.00) in a lump sum payment, less all lawful deductions, as soon
as practicable after December 31, 2002.

          4. The Bank agrees that it will provide Mr. Yarbro the title, free and
clear of any liens, to the automobile (1996 Toyota Camry) the Bank currently
provides for his use. The Bank will be responsible for any transfer or other
taxes incurred in this transfer of title. The Bank will cease insurance coverage
on the vehicle on July 15, 2002; Mr. Yarbro will be responsible for insurance
coverage for the vehicle after that date. In addition, the Bank will cease all
travel and accidental coverage applicable to Mr. Yarbro as of June 30, 2002.

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          5. With respect to the Supplemental Cash Balance Pension Plan and the
Supplemental Thrift Plan (SERPs), Mr. Yarbro shall remain eligible to
participate, in accordance with the SERPs' terms, through December 31, 2002. He
shall receive payment for the amounts vested in the SERPs as of December 31,
2002, and any accrued interest thereon, less all lawful deductions, as soon as
practicable after December 31, 2002.

          6. With respect to the Mercantile Bankshares Corporation and
Affiliates' Annual Incentive Compensation Plan, Mr. Yarbro shall continue as a
Class II participant in the Plan, through December 31, 2002, with any award
thereunder to be paid by March 31, 2003.

          7. With respect to the Mercantile Bankshares Corporation Omnibus Stock
Plan, Mr. Yarbro shall be vested in the stock options which have become
exercisable prior to the execution of this Agreement, and he shall be entitled
to exercise such options as provided in the Plan and his Stock Options
Agreements.

          8. Mr. Yarbro agrees that the benefits listed in paragraphs 1 through
4 are not benefits to which he is otherwise entitled by reason of his
employment. The Parties agree that Mr. Yarbro shall be entitled to all benefits
provided for herein, notwithstanding any other employment he may obtain.

          9. Mr. Yarbro agrees that, in consideration of the promises set forth
in paragraphs 1 through 7, he will, and hereby does, forever and irrevocably
release and discharge the Bank, its officers, directors, employees, agents,
parents (including Mercantile Bankshares Corporation), subsidiaries, affiliates,
predecessors, successors, purchasers, assigns, and representatives, of any and
all grievances, claims, demands, debts, defenses, actions or causes of action,
obligations, damages, and liabilities whatsoever which he now has, has had, or
may have, whether the same be at law, in equity, or mixed, in any way arising
from or relating to any act, occurrence, or transaction before the date of this
Agreement. This is a General Release. Mr. Yarbro expressly acknowledges that
this General Release includes, but is not limited to, Mr. Yarbro's intent to
release the Bank from any claim of age, race, sex, religion, national origin or
any other claim of employment discrimination under the Age Discrimination

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in Employment Act (29 U.S.C.(S)2000 et seq.), the Employee Retirement Income
Security Act (29 U.S.C.(S)1001 et seq.), Article 49B of the Maryland Annotated
Code, and any other law prohibiting employment discrimination.

          10. Mr. Yarbro agrees not to sue the Bank or to join in any lawsuit
against the Bank, or any other person or entity specified in paragraph 9,
concerning any matter which arose on or before the date of this Agreement.

          11. Mr. Yarbro agrees that he shall not be regarded as the prevailing
party for any purpose, including, but not limited to, determining responsibility
for or entitlement to attorneys' fees, under any statute or otherwise.

          12. The parties agree that Mr. Yarbro shall, effective June 30, 2002,
resign from his position as Secretary of the Bank and the Corporation and shall
no longer be an officer or executive of the Bank or the Corporation; thereafter,
he will have no executive responsibilities, but will be available for
consultation until January 1, 2003, at which time his employment with the Bank
and the Corporation will terminate. The Executive Severance Agreement, dated
April 24, 1996, between the Corporation, the Bank and Mr. Yarbro, will terminate
on June 30, 2002.

          13. Mr. Yarbro understands that he has twenty-one (21) days from his
receipt of this Agreement to consider his decision to sign it. By signing this
Agreement, Mr. Yarbro expressly acknowledges that his decision to sign this
Agreement was of his own free will.

          14. Mr. Yarbro understands that he may revoke this Agreement for up to
and including seven (7) days after his execution of the Agreement, and that the
Agreement shall not become effective until the expiration of seven days from its
execution, the effective date of this Agreement.

          15. Mr. Yarbro has been advised by the Bank to consult an attorney
regarding the terms of this Agreement before signing it.

          16. Mr. Yarbro expressly acknowledges and understands that this
Agreement is not an admission of liability under any statute or otherwise by the
Bank, and does not admit any violation of Mr. Yarbro's legal rights, but is
solely entered into as an exchange for the terms described above.

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          17. The parties agree that this Agreement shall be binding upon and
inure to the benefit of the assigns, heirs, executors, and administrators of Mr.
Yarbro and the Bank, its officers, directors, employees, agents, parents
(including Mercantile Bankshares Corporation), subsidiaries, affiliates,
predecessors, successors, purchasers, assigns, and representatives, that this
Agreement contains the entire agreement and understanding of the parties, that
there are no additional promises or terms among the parties other than those
contained herein, and that this Agreement shall not be modified except in
writing signed by each of the parties.

          18. This Agreement shall in all respects be interpreted, enforced, and
governed under the laws of the State of Maryland. The language of all parts of
this Agreement shall in all cases be construed as a whole, according to its fair
meaning, and not strictly for or against any of the parties.

          19. Mr. Yarbro represents that he has read this Agreement, that he
understands all of its terms, and that he enters into this Agreement voluntarily
and with knowledge of its effect.

     June 18, 2002                  /s/ Alan D. Yarbro
---------------------------         --------------------------------------------
Date                                Alan D. Yarbro

     June 18, 2002                  Mercantile Bankshares Corporation
---------------------------
Date

                                    By: /s/ Edward J. Kelly, III
                                        ----------------------------------------

                                    Title: President and Chief Executive Officer
                                           -------------------------------------

     June 18, 2002                  Mercantile-Safe Deposit &
---------------------------
Date                                Trust Company

                                    By: /s/ Edward J. Kelly, III
                                        -------------------------------

                                    Title: Chairman and Chief Executive Officer
                                          --------------------------------------

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