Document:

EX-10.2.17

 Exhibit 10.2.17 

CAPITAL ONE FINANCIAL CORPORATION 

2004 Stock Incentive Plan 

Restricted Stock Unit Award Agreement 

No. of Units: 40,076 
 THIS
RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated January 30, 2014 (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 40,076 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), 12(a) and 12(b) below, and to the extent not previously vested or
forfeited as provided herein, the Restricted Stock Units shall vest in full on February 15, 2017 (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, 2014, 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 15 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 or forfeited 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 on the Vesting Date and remain subject to reduction pursuant to subsections 12(a) and 12(b). 
 (c) Vesting
Schedule Upon Becoming Subject to Withholding. 
 (i) Unless otherwise determined by the Committee or the independent
members of the Board of Directors, as applicable, and to the extent permitted or required by law, Capital One may determine, in its sole discretion, following you becoming subject to withholding under applicable tax laws at a time when amounts are
not otherwise vesting pursuant to this Section 3, that a portion of the Restricted Stock Units shall vest and become payable, only and to the extent sufficient on the date of such determination (the “Determination Date”), to provide
for the payment of any tax liability in accordance with applicable tax laws, in an amount equal to the product of (i) the Fair Market Value of the Common Stock for the Determination Date and (ii) the number of Restricted Stock Units
vesting on the Determination Date. The number of Restricted Stock Units vesting pursuant to the preceding sentence shall be rounded up to the nearest whole Restricted Stock Unit. It is understood that the remaining portion of the Restricted Stock
Units shall continue to vest on the Vesting Date as provided herein. 
 (ii) Notwithstanding any other provision of this
Agreement to the contrary, Capital One may take all necessary steps to withhold the amount determined in accordance with the immediately foregoing paragraph in satisfaction of your tax withholding liability, unless Capital One makes another method
of payment available to you. 
 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 other
than as described in subsection 3(c), 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; or 

(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 United States 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 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. Performance-Based Adjustments,
Clawbacks and Other Forfeiture Events. 
 (a) Performance-Based Adjustment. 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 the 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): 

(A) The number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by 6,680; 

(B) The Committee shall determine the extent, if any, to which you are accountable for such outcome, and, based on such
determination, the Committee shall determine (I) whether the number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by up to an additional 6,680 and (II) whether the Vesting Date shall be delayed for all
or any portion of such Restricted Stock Units that are not so reduced. 
 The Committee shall make the determinations referenced in
Section 12(a)(i)(B) in its sole discretion, taking into account the factors set forth on Exhibit A hereto. 

 (ii) Notwithstanding the foregoing, for each fiscal year of the Company ending
during the Performance Period, if any, that the ratio, expressed as a percentage and as certified by the Committee, of (A) the Company’s Core Earnings for such fiscal year, to (B) the Company’s average total assets for such
fiscal year, is not better than or equal to negative two percent (-2%), the number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by 13,359 and there shall be no additional reduction for such fiscal year
pursuant to subsection 12 (a)(i). 
 (iii) For purposes of this Section 12(a), “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 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 (C) the change in the combined uncollectible finance charge and fee reserve. 

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

(b) 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. 
 (c) 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. 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
disclosure documents, including a prospectus, relating to the Plan. You may also contact the HR Help Center to obtain copies of the Plan disclosure documents and the Plan. You should carefully read the Plan disclosure documents and the Plan. By
accepting the benefits of this Agreement you acknowledge receipt of the Plan and the Plan disclosure documents 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, Chief Executive Officer
 and
President

 CAPITAL ONE FINANCIAL CORPORATION 

2004 Stock Incentive Plan 

Restricted Stock Unit Award Agreement 

No. of Units: 24,662 
 THIS
RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated January 30, 2014 (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 24,662 Restricted Stock Units (the
“Restricted Stock Units”). The Restricted Stock Units shall vest, and the underlying shares of Common Stock (such underlying shares, the “Shares”) shall be issuable, 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 and Shares shall not be assignable or transferable, or otherwise alienated or hypothecated, under any circumstances. Any purported or attempted transfer of such Restricted
Stock Units or Shares or such rights shall be null and void and shall result in the immediate forfeiture and cancellation of the Restricted Stock Units. 

3. Issuance of Common Stock. 

(a) Vesting. Except as provided in Sections 3(b), 12(a) and 12(b) below, and to the extent not previously vested or
forfeited as provided herein, the Restricted Stock Units shall vest, and the Shares shall be issuable in full without restrictions on transferability, on February 15, 2017 (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, 2014, and the Vesting Date shall be
the “Performance Period.” 
 (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 or forfeited 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 the Shares shall become issuable to you on the Vesting Date and remain subject to reduction pursuant to subsections 12(a) and 12(b). 

(c) Vesting Schedule Upon Becoming Subject to Withholding. 

(i) Unless otherwise determined by the Committee or the independent members of the Board of Directors, as applicable, and to
the extent permitted or required by law, Capital One may determine, in its sole discretion, following you becoming subject to withholding under applicable tax laws at a time when amounts are not otherwise vesting pursuant to this Section 3,
that a portion of the Restricted Stock Units shall vest and a portion of the Shares shall be issuable without restrictions on transferability and subsequently withheld by Capital One’s designated agent, only and to the extent sufficient, if
sold at Fair Market Value, on the date of such determination, to provide for the payment of any tax liability in accordance with applicable tax laws. The number of Restricted Stock Units vesting pursuant to the preceding sentence shall be rounded up
to the nearest whole Restricted Stock Unit. It is understood that the remaining portion of the Restricted Stock Units shall continue to vest on the Vesting Date as provided herein. 

(ii) Notwithstanding any other provision of this Agreement to the contrary, Capital One may take all necessary steps to
withhold the amount determined in accordance with the immediately foregoing paragraph in satisfaction of your tax withholding liability, unless Capital One makes another method of payment available to you. 

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 other
than as described in subsection 3(c), 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; or 
 (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 the Restricted Stock Units from which
such dividend equivalents are derived vest pursuant to Section 3. 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 United States 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 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. Performance-Based Adjustments,
Clawbacks and Other Forfeiture Events. 
 (a) Performance-Based Adjustment. 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 the 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): 

(A) The number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by 4,111; 

(B) The Committee shall determine the extent, if any, to which you are accountable for such outcome, and, based on such
determination, the Committee shall determine (I) whether the number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by up to an additional 4,111 and (II) whether the Vesting Date shall be delayed for all
or any portion of such Restricted Stock Units that are not so reduced. 
 The Committee shall make the determinations referenced in
Section 12(a)(i)(B) in its sole discretion, taking into account the factors set forth on Exhibit A hereto. 

 (ii) Notwithstanding the foregoing, for each fiscal year of the Company ending
during the Performance Period, if any, that the ratio, expressed as a percentage and as certified by the Committee, of (A) the Company’s Core Earnings for such fiscal year, to (B) the Company’s average total assets for such
fiscal year, is not better than or equal to negative two percent (-2%), the number of Restricted Stock Units scheduled to vest on the Vesting Date shall be reduced by 8,221 and there shall be no additional reduction for such fiscal year
pursuant to subsection 12(a)(i). 
 (iii) For purposes of this Section 12(a), “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 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 (C) the change in the combined uncollectible finance charge and fee reserve. 

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

(b) 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. 
 (c) 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. 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 13 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 13: 

(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. 
 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
disclosure documents, including a prospectus, relating to the Plan. You may also contact the HR Help Center to obtain copies of the Plan disclosure documents and the Plan. You should carefully read the Plan disclosure documents and the Plan. By
accepting the benefits of this Agreement you acknowledge receipt of the Plan and the Plan disclosure documents 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, 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 30, 2014 (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 12(a) 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 15, 2015 
 One-third of the Restricted Stock Units on February 15, 2016 

One-third of the Restricted Stock Units on February 15, 2017 

Each of the immediately above dates shall be a “Scheduled 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 Scheduled 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 15 trading days preceding the Scheduled Vesting Date and (ii) the number of Restricted Stock Units vesting on the Scheduled 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 on the Scheduled Vesting Dates specified herein (to the extent not previously vested or
forfeited as provided herein) and remain subject to reduction pursuant to Section 12(a). 
 (c) Effect of Termination
of Employment For Cause. Upon your termination of employment with the Company for Cause prior to any Scheduled 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. 
 (d) Vesting Schedule Upon Becoming Subject to
Withholding. 
 (i) Unless otherwise determined by the Committee or the independent members of the Board of Directors, as
applicable, and to the extent permitted or required by law, Capital One may determine, in its sole discretion, following you becoming subject to withholding under applicable tax laws at a time when amounts are not otherwise vesting pursuant to this
Section 3, that a portion of the Restricted Stock Units shall vest and become payable, only and to the extent sufficient on the date of such determination (the “Determination Date”), to provide for the payment of any tax liability in
accordance with applicable tax laws, in an amount equal to the product of (i) the Fair Market Value of the Common Stock for the Determination Date and (ii) the number of Restricted Stock Units vesting on the Determination Date. The number
of Restricted Stock Units vesting pursuant to the preceding sentence shall be rounded up to the nearest whole Restricted Stock Unit. It is understood that the remaining portion of the Restricted Stock Units shall continue to vest on the Scheduled
Vesting Dates as provided herein. 
 (ii) Notwithstanding any other provision of this Agreement to the contrary, Capital One
may take all necessary steps to withhold the amount determined in accordance with the immediately foregoing paragraph in satisfaction of your tax withholding liability. 

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 other
than as described in subsection 3(d), 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; or 

(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 United States 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 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. Clawbacks and Other Forfeiture
Events. 
 (a) 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. 
 (b) 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. 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 disclosure documents, including a prospectus, relating to the Plan. You may also contact the HR Help Center to obtain copies of the Plan disclosure documents and the Plan. You should carefully read the
Plan disclosure documents and the Plan. By accepting the benefits of this Agreement you acknowledge receipt of the Plan and the Plan disclosure documents 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:	 	 
		 	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 30, 2014 (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 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 is 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, and the underlying shares of Common Stock (such underlying shares, the “Shares”) shall be issuable, 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 Sections 3
and 12 hereof, the rights represented by the Restricted Stock Units and the Shares shall not be assignable or transferable, or otherwise alienated or hypothecated, under any circumstances. Any purported or attempted transfer of such Restricted Stock
Units or Shares or such rights shall be null and void and shall result in the immediate forfeiture and cancellation of the Restricted Stock Units. 

3. Issuance of Common Stock. 

(a) Vesting. Except as provided in Sections 3(b), 3(c), 3(d), 13(a) and 13(b) below and to the extent not previously
vested or forfeited as provided herein, the Restricted Stock Units shall vest, and the Shares shall be issuable in full without restrictions on transferability, other than the restrictions contained in Section 12 below, according to the
following schedule: 
 One-third of the Restricted Stock Units on February 15, 2015 

One-third of the Restricted Stock Units on February 15, 2016 

One-third of the Restricted Stock Units on February 15, 2017 

Each of the immediately above dates shall be a “Scheduled Vesting Date.” 

(b) Effect of Termination of Employment. 

(i) Upon your termination of employment with Capital One for any reason other than death, Disability, Retirement, or Change of
Control, all Restricted Stock Units shall immediately be forfeited (to the extent not previously vested or forfeited as provided herein). 

(ii) Upon your termination of employment with Capital One as a result of your death or Disability, all of the Restricted Stock
Units shall immediately vest, and the Shares shall be issuable in full without restrictions on transferability, upon such termination of employment (to the extent not previously vested or forfeited as provided herein). 

 (iii) Upon your termination of employment with Capital One as a result of
Retirement, the Restricted Stock Units shall continue to vest on the Scheduled Vesting Dates (to the extent not previously vested or forfeited as provided herein) and remain subject to reduction pursuant to Section 13(a) and 13(b). 

(c) Vesting Schedule Upon Eligibility for Retirement. 

(i) Unless otherwise determined by the Committee or the independent members of the Board of Directors, as applicable, and to
the extent permitted or required by law, a portion of the Restricted Stock Units shall vest, and the Shares shall be issuable in full without restrictions on transferability, following you becoming eligible for Retirement, at a time determined by
Capital One, only and to the extent sufficient, if sold at Fair Market Value, on the date of such determination, to provide for the payment of any tax liability caused as a consequence of such eligibility condition in accordance with applicable tax
laws. It is understood that the remaining portion of the Restricted Stock Units shall continue to vest on the Scheduled Vesting Dates as provided herein. 

(ii) Notwithstanding any other provision of this Agreement to the contrary, Capital One will take all necessary steps to
withhold the amount determined pursuant to the immediately foregoing paragraph in satisfaction of your tax withholding liability. 

(d) Effect of Change of Control. If a Change of Control of Capital One occurs, then all of the Restricted Stock Units
shall vest and the Shares shall be issuable in full without restrictions on transferability immediately upon the occurrence of such Change of Control (to the extent not previously vested or forfeited as provided herein). 

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) 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; or 

(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. By accepting this Award, you agree that such dividends shall accumulate and be paid to you in cash (without interest) as and when the Restricted Stock Units from which such dividends are
derived vest pursuant to Section 3. You further agree that all such dividends shall be subject to the same vesting requirements that apply to the Restricted Stock Units from which such dividends are derived. 

7. Governing Law. This Agreement shall be governed by United States 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 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. 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 12 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 12: 

(i) “Applicable Holding Shares” means 50% of the Shares acquired hereunder (not including any Shares sold or retained
by the Company or its designated agent 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. 
 13. Performance-Based Adjustments, Clawbacks and Other Forfeiture Events. 

(a) Performance-Based Adjustment. The number of Restricted Stock Units vesting on the Scheduled Vesting Date shall be
subject to reduction as follows: 
 (i) In the event that the Core Earnings of the Company for the Company’s fiscal year
ended immediately prior to such Scheduled Vesting Date, as certified by the Committee, are not positive (i.e., Core Earnings are not greater than zero): 

(A) The number of Restricted Stock Units scheduled to vest on such Scheduled Vesting Date shall be reduced by 50%, rounding up
to the nearest whole share; and 
 (B) the Committee shall determine the extent, if any, to which you are accountable for
such outcome and, based on such determination, the Committee shall determine (I) whether all or any portion of the remaining Restricted Stock Units scheduled to vest on such Scheduled Vesting Date shall be forfeited and (II) whether the
Scheduled Vesting Date shall be delayed for all or any portion of such Restricted Stock Units that are not so forfeited. 
 The Committee
shall make the determinations referenced in Section 13(a)(i)(B) in its sole discretion, taking into account the factors set forth on Appendix A hereto. 

 (ii) Notwithstanding the foregoing, in the event that the ratio, expressed as a
percentage and as certified by the Committee, of (A) the Company’s Core Earnings for the Company’s fiscal year ended immediately prior to such Scheduled Vesting Date, to (B) the Company’s average total assets for the period,
is not better than or equal to negative two percent (-2%), all Restricted Stock Units scheduled to vest on such Scheduled Vesting Date shall be forfeited. 

(iii) For purposes of this Section 13(a), “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 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 (C) the change in the combined uncollectible finance charge and fee reserve. 

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

(b) 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 the 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. 
 (c) 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. 

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, 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 disclosure documents, including a prospectus,
relating to the Plan. You may also contact the HR Help Center to obtain copies of the Plan disclosure documents and the Plan. You should carefully read the Plan disclosure documents and the Plan. By accepting the benefits of this Agreement you
acknowledge receipt of the Plan and the Plan disclosure documents 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:	 	 
		 	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 30, 2014 (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) 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 January 1, 2015 (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. 
 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 15 trading days preceding the Payment Date and (ii) the number of Restricted Stock Units vesting on the Vesting
Date (subject to Section 5 below). For purposes of the preceding sentence, the “Payment Date” shall be the earlier to occur of: (x) February 15, 2015; (y) the termination of your employment due to death or Disability;
or (z) a Change of Control. 
 (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 as soon as
administratively practicable following the Payment 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 15 trading days preceding the Payment 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, 2014 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; or 

(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 United States 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 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. 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, 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 disclosure documents, including a
prospectus, relating to the Plan. You may also contact the HR Help Center to obtain copies of the Plan disclosure documents and the Plan. You should carefully read the Plan disclosure documents and the Plan. By accepting the benefits of this
Agreement you acknowledge receipt of the Plan and the Plan disclosure documents 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:	 	 
		 	Jory Berson
		 	Chief Human Resources OfficerEX-10.7.3

 Exhibit 10.7.3 

CHANGE OF CONTROL EMPLOYMENT AGREEMENT 

CHANGE OF CONTROL EMPLOYMENT AGREEMENT, dated as of the 10th day of
December, 2013 (this “Agreement”), by and between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation (the “Company”), and Richard D. Fairbank (the “Executive”). 

WHEREAS, the Board of Directors of the Company (the “Board”), has determined that it is in the best interests of the Company
and its stockholders to assure that the Company will have the continued dedication of the Executive, notwithstanding the possibility, threat or occurrence of a Change of Control (as defined herein). The Board believes it is imperative to diminish
the inevitable distraction of the Executive by virtue of the personal uncertainties and risks created by a pending or threatened Change of Control and to encourage the Executive’s full attention and dedication to the Company in the event of any
threatened or pending Change of Control, and to provide the Executive with compensation and benefits arrangements upon a Change of Control that ensure that the compensation and benefits expectations of the Executive will be satisfied and that
provide the Executive with compensation and benefits arrangements that are competitive with those of other corporations. Therefore, in order to accomplish these objectives, the Board has caused the Company to enter into this Agreement. 

NOW, THEREFORE, IT IS HEREBY AGREED AS FOLLOWS: 

Section 1. Certain Definitions. (a) “Effective Date” means the first date during the Change of Control
Period (as defined herein) on which a Change of Control occurs. Notwithstanding anything in this Agreement to the contrary, (A) if the Executive’s employment with the Company is terminated by the Company, (B) the Date of Termination
is prior to the date on which the Change of Control occurs, and (C) if it is reasonably demonstrated by the Executive that such termination of employment was (i) at the request of the third party that has taken steps reasonably calculated
to effect such Change of Control, or (ii) otherwise arose in connection with or anticipation of a Change of Control, then for all purposes of this Agreement, “Effective Date” means the date immediately prior to such Date of
Termination. 
 (b) “Change of Control Period” means the period commencing on the date hereof and ending on the third
anniversary of the date hereof; provided, however, that, commencing on the date one year after the date hereof, and on each annual anniversary of such date (such date and each annual anniversary thereof, the “Renewal
Date”), unless previously terminated, the Change of Control Period shall be automatically extended so as to terminate three years from such Renewal Date, unless, at least 60 days prior to the Renewal Date, the Company shall give notice to
the Executive that the Change of Control Period shall not be so extended. 
 (c) “Affiliated Company” means any company
controlled by, controlling or under common control with the Company. 
 (d) “Change of Control” means: 

(1) Any individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange Act of 1934, as
amended (the “Exchange Act”)) (a “Person”) becomes the beneficial owner (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of 20% or more of either (A) the
then-outstanding shares of common stock of the Company (the “Outstanding Company Common Stock”) or (B) the combined voting power of the then-outstanding voting securities of the Company entitled to vote generally in the election of
directors (the “Outstanding Company Voting Securities”); provided, however, that, for purposes of this Section 1(d), the following acquisitions of Outstanding Company Common Stock or Outstanding Company Voting Securities
shall not constitute a Change of Control: (i) any acquisition directly from the Company, (ii) any acquisition by the Company, (iii) any acquisition by any employee benefit plan (or related trust) sponsored or maintained by the Company
or any Affiliated Company or (iv) any acquisition pursuant to a transaction that complies with Sections 1(d)(3)(A), 1(d)(3)(B) and 1(d)(3)(C); 

 (2) Individuals who, as of the date hereof, constitute the Board (the “Incumbent
Board”) cease for any reason to constitute at least a majority of the Board; provided, however, that any individual becoming a director subsequent to the date hereof whose election, or nomination for election by the Company’s
stockholders, was approved by a vote of at least a majority of the directors then comprising the Incumbent Board shall be considered as though such individual was a member of the Incumbent Board, but excluding, for this purpose, any such individual
whose initial assumption of office occurs as a result of an actual or threatened election contest with respect to the election or removal of directors or other actual or threatened solicitation of proxies or consents by or on behalf of a Person
other than the Board; 
 (3) Consummation of a reorganization, merger, statutory share exchange or consolidation or similar transaction
involving the Company or any of its subsidiaries, a sale or other disposition of all or substantially all of the assets of the Company, or the acquisition of assets or stock of another entity by the Company or any of its subsidiaries (each, a
“Business Combination”), in each case unless, following such Business Combination, (A) all or substantially all of the individuals and entities that were the beneficial owners of the Outstanding Company Common Stock and the
Outstanding Company Voting Securities immediately prior to such Business Combination beneficially own, directly or indirectly, more than 50% of the then-outstanding shares of common stock (or, for a non-corporate entity, equivalent securities) and
the combined voting power of the then-outstanding voting securities entitled to vote generally in the election of directors (or, for a non-corporate entity, equivalent governing body), as the case may be, of the entity resulting from such Business
Combination (including, without limitation, an entity that, as a result of such transaction, owns the Company or all or substantially all of the Company’s assets either directly or through one or more subsidiaries) in substantially the same
proportions as their ownership immediately prior to such Business Combination of the Outstanding Company Common Stock and the Outstanding Company Voting Securities, as the case may be, (B) no Person (excluding any corporation resulting from
such Business Combination or any employee benefit plan (or related trust) of the Company or such corporation resulting from such Business Combination) beneficially owns, directly or indirectly, 20% or more of, respectively, the then-outstanding
shares of common stock of the corporation resulting from such Business Combination or the combined voting power of the then-outstanding voting securities of such corporation, except to the extent that such ownership existed prior to the Business
Combination, and (C) at least a majority of the members of the board of directors (or, for a non-corporate entity, equivalent governing body) of the entity resulting from such Business Combination were members of the Incumbent Board at the time
of the execution of the initial agreement or of the action of the Board providing for such Business Combination; or 
 (4) Approval by the
stockholders of the Company of a complete liquidation or dissolution of the Company. 
 Section 2. Employment Period. The
Company hereby agrees to continue the Executive in its employ, subject to the terms and conditions of this Agreement, for the period commencing on the Effective Date and ending on the second anniversary of the Effective Date (the “Employment
Period”). The Employment Period shall terminate upon the Executive’s termination of employment for any reason. 

Section 3. Terms of Employment. (a) Position and Duties. (1) During the Employment Period,
(A) the Executive’s position (including status, offices, titles and reporting requirements), authority, duties and responsibilities shall be at least commensurate in all material respects with the most significant of those held, exercised
and assigned at any time during the 120-day period immediately preceding the Effective Date, (B) the Executive’s services shall be performed at the office where the Executive was employed immediately preceding the Effective Date or at any
other location less than 35 miles from such office, and (C) the Executive shall not be required to travel on Company business to a substantially greater extent than required during the 120 day period immediately prior to the Effective Date.

 (2) During the Employment Period, and excluding any periods of vacation and sick or similar leave to which the Executive is entitled, the
Executive agrees to devote reasonable attention and time during normal business hours to the business and affairs of the Company and, to the extent necessary to discharge the responsibilities assigned to the Executive hereunder, to use the
Executive’s reasonable best efforts to perform faithfully and efficiently such responsibilities. During the Employment Period, it shall not be a violation of this Agreement for the Executive to (A) serve on corporate, civic or charitable
boards or committees, (B) deliver lectures, fulfill speaking engagements or teach at educational institutions and (C) manage personal investments, so 

 
long as such activities do not significantly interfere with the performance of the Executive’s responsibilities as an employee of the Company in accordance with this Agreement. It is
expressly understood and agreed that, to the extent that any such activities have been conducted by the Executive prior to the Effective Date, the continued conduct of such activities (or the conduct of activities similar in nature and scope
thereto) subsequent to the Effective Date shall not thereafter be deemed to interfere with the performance of the Executive’s responsibilities to the Company. 

(b) Compensation. (1) Base Salary. During the Employment Period, the Executive shall receive an annual base
salary (the “Annual Base Salary”) at an annual rate at least equal to 12 times the highest monthly base salary paid or payable, including any base salary that has been earned but deferred, to the Executive by the Company and the
Affiliated Companies in respect of the 12-month period immediately preceding the month in which the Effective Date occurs. Notwithstanding the foregoing, if no base salary is paid or payable to the Executive by the Company and the Affiliated
Companies for the 12-month period immediately preceding the month in which the Effective Date occurs, the notional salary specified by the Company’s Compensation Committee, as disclosed in the Company’s most recent annual meeting proxy
statement filed before the Effective Date, shall be the Executive’s Annual Base Salary for purposes of this Agreement. The Annual Base Salary shall be paid at such intervals as the Company pays executive salaries generally. During the
Employment Period, the Annual Base Salary shall be reviewed at least annually, beginning no more than 12 months after the last salary increase awarded to the Executive prior to the Effective Date. Any increase in the Annual Base Salary shall not
serve to limit or reduce any other obligation to the Executive under this Agreement. The Annual Base Salary shall not be reduced after any such increase and the term “Annual Base Salary” shall refer to the Annual Base Salary as so
increased. 
 (2) Annual Bonus. In addition to the Annual Base Salary, the Executive shall be awarded, for each fiscal year
ending during the Employment Period, an annual bonus (the “Annual Bonus”) in cash at least equal to the sum of the Executive’s target award under the Company’s Executive Annual Cash Incentive Plan, if any, or any similar
or comparable bonus plan, that prior to the Effective Date the Compensation Committee specifies as constituting an annual cash bonus plan for purposes of this provision, or a successor plan thereto, in each case for the Company’s fiscal year in
which the Effective Date occurs (or, if no such target awards have been established under any such plans, the midpoint between the high and low bonuses payable to the Executive under such plans), provided, however, that any such targets or
midpoints, as the case may be, shall not be less than such targets or midpoints under such plans for the fiscal year immediately prior to the year in which the Effective Date occurs (the “Recent Annual Bonus”). Each such Annual
Bonus shall be paid no later than two and a half months after the end of the fiscal year for which the Annual Bonus is awarded, unless the Executive shall elect to defer the receipt of such Annual Bonus pursuant to an arrangement that meets the
requirements of Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”). 
 (3) Long-Term
Cash and Equity Incentives, Savings and Retirement Plans. During the Employment Period, the Executive shall be entitled to participate in all long-term cash incentive, equity incentive, savings and retirement plans, practices, policies, and
programs applicable generally to other peer executives of the Company and the Affiliated Companies, but in no event shall such plans, practices, policies and programs provide the Executive with incentive opportunities (measured with respect to both
regular and special incentive opportunities, to the extent, if any, that such distinction is applicable), savings opportunities and retirement benefit opportunities, in each case, less favorable, in the aggregate, than the most favorable of those
provided by the Company and the Affiliated Companies for the Executive under such plans, practices, policies and programs as in effect at any time during the 120-day period immediately preceding the Effective Date or, if more favorable to the
Executive, those provided generally at any time after the Effective Date to other peer executives of the Company and the Affiliated Companies. 

(4) Welfare Benefit Plans. During the Employment Period, the Executive and/or the Executive’s family, as the case may be,
shall be eligible for participation in and shall receive all benefits under welfare benefit plans, practices, policies and programs provided by the Company and the Affiliated Companies (including, without limitation, medical, prescription, dental,
disability, employee life, group life, accidental death and travel accident insurance plans and programs) to the extent applicable generally to other peer executives of the Company and the Affiliated Companies, but in no event shall such plans,
practices, policies and programs provide the Executive with benefits that are less favorable, in the aggregate, than the most favorable of such plans, practices, policies and programs in effect for the Executive at any time during the 120-day period
immediately preceding the Effective Date or, if more favorable to the Executive, those provided generally at any time after the Effective Date to other peer executives of the Company and the Affiliated Companies. 

 (5) Expenses. During the Employment Period, the Executive shall be entitled to
receive prompt reimbursement for all reasonable expenses incurred by the Executive in accordance with the most favorable policies, practices and procedures of the Company and the Affiliated Companies in effect for the Executive at any time during
the 120-day period immediately preceding the Effective Date or, if more favorable to the Executive, as in effect generally at any time thereafter with respect to other peer executives of the Company and the Affiliated Companies. 

(6) Fringe Benefits. During the Employment Period, the Executive shall be entitled to fringe benefits, including, without
limitation, if applicable, use of an automobile and payment of related expenses, in accordance with the most favorable plans, practices, programs and policies of the Company and the Affiliated Companies in effect for the Executive at any time during
the 120-day period immediately preceding the Effective Date or, if more favorable to the Executive, as in effect generally at any time thereafter with respect to other peer executives of the Company and the Affiliated Companies. 

(7) Office and Support Staff. During the Employment Period, the Executive shall be entitled to an office or offices of a size
and with furnishings and other appointments, and to personal secretarial and other assistance, at least equal to the most favorable of the foregoing provided to the Executive by the Company and the Affiliated Companies at any time during the 120-day
period immediately preceding the Effective Date or, if more favorable to the Executive, as provided generally at any time thereafter with respect to other peer executives of the Company and the Affiliated Companies. 

(8) Vacation and Other Paid Leave. During the Employment Period, the Executive shall be entitled to paid vacation and other paid
leave in accordance with the most favorable plans, policies, programs and practices of the Company and the Affiliated Companies as in effect for the Executive at any time during the 120-day period immediately preceding the Effective Date or, if more
favorable to the Executive, as in effect generally at any time thereafter with respect to other peer executives of the Company and the Affiliated Companies. 

Section 4. Termination of Employment. (a) Death or Disability. The Executive’s employment shall
terminate automatically if the Executive dies during the Employment Period. If the Company determines in good faith that the Disability of the Executive has occurred during the Employment Period (pursuant to the definition of
“Disability”), it may give to the Executive written notice in accordance with Section 12(b) of its intention to terminate the Executive’s employment. In such event, the Executive’s employment with the Company shall
terminate effective on the 30th day after receipt of such notice by the Executive (the “Disability Effective Date”), provided that, within the 30 days after such receipt, the Executive shall not have returned to full-time
performance of the Executive’s duties. “Disability” means the absence of the Executive from the Executive’s duties with the Company on a full-time basis for 180 consecutive business days as a result of incapacity due to
mental or physical illness that is determined to be total and permanent by a physician selected by the Company or its insurers and acceptable to the Executive or the Executive’s legal representative (such agreement as to acceptability not to be
unreasonably withheld). 
 (b) Cause. The Company may terminate the Executive’s employment during the Employment Period
with or without Cause. “Cause” means: 
 (1) the willful and continued failure of the Executive to perform substantially the
Executive’s duties (as contemplated by Section 3(a)(1)(A)) with the Company or any Affiliated Company (other than any such failure resulting from incapacity due to physical or mental illness or following the Executive’s delivery of a
Notice of Termination for Good Reason), after a written demand for substantial performance is delivered to the Executive by the Board or the Chief Executive Officer of the Company that specifically identifies the manner in which the Board or the
Chief Executive Officer of the Company believes that the Executive has not substantially performed the Executive’s duties, or 
 (2)
the willful engaging by the Executive in illegal conduct or gross misconduct that is materially and demonstrably injurious to the Company. 

 For purposes of this Section 4(b), no act, or failure to act, on the part of the Executive
shall be considered “willful” unless it is done, or omitted to be done, by the Executive in bad faith or without reasonable belief that the Executive’s 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 the Executive is 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 the Executive in good faith and in the best interests of the Company. The cessation of employment of the Executive shall not be deemed to be for Cause
unless and until there shall have been delivered to the Executive 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 the Executive, if the Executive
is 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 the Executive and the Executive is given an opportunity, together with counsel for the Executive, to
be heard before the Applicable Board), finding that, in the good faith opinion of the Applicable Board, the Executive is guilty of the conduct described in Section 4(b)(1) or 4(b)(2), and specifying the particulars thereof in detail. 

(c) Good Reason. The Executive’s employment may be terminated during the Employment Period by the Executive for Good Reason
or by the Executive voluntarily without Good Reason. “Good Reason” means: 
 (1) the assignment to the Executive of any
duties inconsistent in any respect with the Executive’s position (including status, offices, titles and reporting requirements), authority, duties or responsibilities as contemplated by Section 3(a), or any action by the Company that
results in a diminution in such position, authority, duties or responsibilities, excluding for this purpose an isolated, insubstantial and inadvertent action not taken in bad faith and that is remedied by the Company promptly after receipt of notice
thereof given by the Executive; 
 (2) any failure by the Company to comply with any of the provisions of Section 3(b), other than an
isolated, insubstantial and inadvertent failure not occurring in bad faith and that is remedied by the Company promptly after receipt of notice thereof given by the Executive; 

(3) the Company’s requiring the Executive (i) to be based at any office or location other than as provided in
Section 3(a)(1)(B) of this Agreement or (ii) to travel on Company business to a substantially greater extent than required during the 120-day period immediately prior to the Effective Date; 

(4) any other action or inaction that constitutes a material breach by the Company of this Agreement; or 

(5) any failure by the Company to comply with and satisfy Section 10(c). 

For purposes of this Section 4(c) of this Agreement, any good faith determination of Good Reason made by the Executive shall be conclusive. The
Executive’s mental or physical incapacity following the occurrence of an event described above in clauses (1) through (5) shall not affect the Executive’s ability to terminate employment for Good Reason. 

(d) Notice of Termination. Any termination by the Company for Cause, or by the Executive for Good Reason, shall be communicated
by Notice of Termination to the other party hereto given in accordance with Section 12(b). “Notice of Termination” means a written notice that (1) indicates the specific termination provision in this Agreement relied upon,
(2) to the extent applicable, sets forth in reasonable detail the facts and circumstances claimed to provide a basis for termination of the Executive’s employment under the provision so indicated, and (3) if the Date of Termination
(as defined herein) is other than the date of receipt of such notice, specifies the Date of Termination (which Date of Termination shall be not more than 30 days after the giving of such notice). The failure by the Executive or the Company to set
forth in the Notice of Termination any fact or circumstance that contributes to a showing of Good Reason or Cause shall not waive any right of the Executive or the Company, respectively, hereunder or preclude the Executive or the Company,
respectively, from asserting such fact or circumstance in enforcing the Executive’s or the Company’s respective rights hereunder. 

 (e) Date of Termination. “Date of Termination” means (1) if
the Executive’s employment is terminated by the Company for Cause, or by the Executive for Good Reason, the date of receipt of the Notice of Termination or such later date specified in the Notice of Termination, as the case may be, (2) if
the Executive’s employment is terminated by the Company other than for Cause or Disability, the date on which the Company notifies the Executive of such termination, (3) if the Executive resigns without Good Reason, the date on which the
Executive notifies the Company of such termination, and (4) if the Executive’s employment is terminated by reason of death or Disability, the date of death of the Executive or the Disability Effective Date, as the case may be.
Notwithstanding anything contained herein to the contrary, in no event shall the Date of Termination occur until the Executive experiences a “separation from service” within the meaning of Section 409A of the Code, and the date on
which such separation from service takes place shall be the “Date of Termination.” 
 Section 5. Obligations of the
Company upon Termination. (a) Good Reason; Other Than for Cause, Death or Disability. If, during the Employment Period, the Company terminates the Executive’s employment other than for Cause, death or Disability or the
Executive terminates employment for Good Reason: 
 (1) the Company shall pay to the Executive, in a lump sum in cash on the 30th day after the Date of Termination, the aggregate of the following amounts: 

(A) the sum of (i) the Executive’s Annual Base Salary through the Date of Termination to the extent not theretofore
paid or otherwise deferred by the Executive, (ii) any accrued vacation pay to the extent not theretofore paid, (iii) any annual bonus earned (and not otherwise deferred) by the Executive for the most recently completed fiscal year prior to
the Date of Termination to the extent not theretofore paid (the sum of the amounts described in subclauses (i), (ii) and (iii), the “Accrued Obligations”) and (iv) the product of (x) the higher of (I) the Recent
Annual Bonus and (II) the Annual Bonus paid or payable, including any bonus or portion thereof that has been earned but deferred (and annualized for any fiscal year consisting of less than 12 full months or during which the Executive was employed
for less than 12 full months), for the most recently completed fiscal year, if any (such higher amount, the “Highest Annual Bonus”) and (y) a fraction, the numerator of which is the number of days in the current fiscal year
through the Date of Termination and the denominator of which is 365 (the “Pro Rata Bonus”); and 
 (B) the
amount equal to the product of (i) two and one-half and (ii) the sum of (x) the Executive’s Annual Base Salary and (y) the Highest Annual Bonus; and 

(C) an amount equal to the sum of the employer contributions under the Company or its Affiliated Company’s (as applicable)
qualified defined contribution plans and any excess or supplemental defined contribution plans in which the Executive participates as of the Date of Termination (or, if more favorable to the Executive, the plans as in effect immediately prior to the
Effective Date) that the Executive would receive if the Executive’s employment continued for two and one-half years after the Date of Termination, assuming for this purpose that (i) the Executive’s benefits under such plans are fully
vested, (ii) the Executive’s compensation in each of the two and one-half years is that required by Sections 3(b)(1) and 3(b)(2), (iii) the rate of any such employer contribution is equal to the maximum rate provided under the terms
of the applicable plans for the year in which the Date of Termination occurs (or, if more favorable to the Executive, or in the event that as of the Date of Termination the rate of any such contribution for such year is not determinable, the rate of
contribution under the plans for the plan year ending immediately prior to the Effective Date), and (iv) to the extent that the Company’s contributions are determined based on the contributions or deferrals of the Executive, that the
Executive’s contribution or deferral elections, as appropriate, are those in effect immediately prior to the Date of Termination; and 

(D) an amount equal to the employer contributions under the Company or its Affiliated Company’s (as applicable) qualified
defined contribution plans in which the Executive participates or is otherwise being credited with service for purposes of vesting as of the Date of Termination that are forfeited by the Executive as of the Date of Termination but that would have
vested under such plans if the Executive’s employment continued for two and one-half years after the Date of Termination; and 

 (E) the amount equal to the product of (i) the sum of the Company’s or
any of its Affiliated Company’s (as applicable) employer contributions under the Company’s health care and life insurance plans in which the Executive actively participates as of the Date of Termination (or, if more favorable to the
Executive, the plans as in effect immediately prior to the Effective Date), with such total amount increased by 9.1% for projected cost increases during the two and one-half year period following the Date of Termination, and (ii) two and
one-half, plus an additional amount equal to the income and employment taxes on such amount so that after the payment of all taxes on such payment the Executive retains an amount equal to the amount determined under this Section 5(a)(1)(E); and

 (2) for purposes of determining the Executive’s vested status or percentage, as applicable, under any supplemental or excess defined
contribution plan maintained by the Company or its Affiliated Companies in which the Executive participates or is otherwise being credited with service for purposes of vesting as of the Date of Termination, the Executive shall be credited with two
and one-half years of additional service credit from the Date of Termination; and 
 (3) the Company shall take such actions as are
necessary to cause the Executive and/or the Executive’s family to continue to be eligible to participate in the Company’s health care and life insurance benefit plans that the Executive would be eligible to participate in if the Executive
continued as an active employee two and one-half years after the Executive’s Date of Termination, or such longer period as may be provided by the terms of the appropriate plan, program, practice or policy (the “Benefit Continuation
Period”), with the Executive to pay the full cost of premiums for such participation at the rate applicable to active employees of the Company, to the extent the Executive elects in writing to continue such coverage within 60 days after the
Date of Termination. For purposes of determining eligibility (but not the time of commencement of benefits or eligibility for any employer premium subsidy) of the Executive for access to retiree welfare benefits pursuant to the retiree welfare
benefit plans of the Company as in effect immediately prior to the Effective Date (or, if more favorable to the Executive, the plans as in effect at the end of the Benefit Continuation Period) (the “Retiree Coverage”), the Executive
shall be considered to have remained employed until the end of the Benefit Continuation Period and to have retired on the last day of such period, and the Company shall take such actions as are necessary to cause the Executive to be eligible to
commence participating in the applicable retiree welfare benefit plans as of the applicable benefit commencement date. To the extent the Executive is not eligible for Retiree Coverage at the end of the Benefit Continuation Period (after taking into
account the immediately preceding sentence), following the Benefit Continuation Period, the Executive shall be eligible to elect continued health coverage as provided under Section 4980B of the Code or other applicable law (“COBRA
Coverage”), as if the Executive’s employment with the Company had terminated as of the end of such period, and the Company shall take such actions as are necessary to cause such COBRA Coverage not to be offset by the provision of
benefits under this Section 5(a)(3) and to cause the period of COBRA Coverage to commence at the end of the Benefit Continuation Period; and 

(4) the Company shall, at its sole expense as incurred, provide the Executive with outplacement services the scope and provider of which shall
be selected by the Executive in the Executive’s sole discretion, provided that the cost of such outplacement shall not exceed $30,000; and provided, further, that such outplacement benefits shall end not later than the last day of
the second calendar year that begins after the Date of Termination; and 
 (5) except as otherwise set forth in the last sentence of
Section 6, to the extent not theretofore paid or provided, the Company shall timely pay or provide to the Executive any Other Benefits (as defined in Section 6) in accordance with the terms of the underlying plans or agreements. 

Notwithstanding the foregoing provisions of this Section 5(a)(1) and except as otherwise provided in Section 12(g): (I) the Company’s
obligations under this Section 5(a) are contingent upon the signing of a release as described below, and (II) in the event that the Executive is a “specified employee” within the meaning of Section 409A of the Code (as determined
in accordance with the methodology established by the Company as in effect on the Date of Termination) (a “Specified Employee”), amounts that would otherwise be payable and benefits that would otherwise

 
be provided under Section 5(a)(1) during the six-month period immediately following the Date of Termination (other than the Accrued Obligations) shall instead be paid, with interest on any
delayed payment at the applicable federal rate provided for in Section 7872(f)(2)(A) of the Code (“Interest”), or provided on the first business day after the date that is six months following the Executive’s
“separation from service” within the meaning of Section 409A of the Code (the “Delayed Payment Date”). 
 Furthermore, as a
condition precedent to receiving benefits or payments under this Section 5(a) of the Agreement, Executive must execute and deliver to the Company a valid waiver and release agreement (the “Release”) in a form tendered to the Executive
by the Company not later than 15 days after the Executive’s Date of Termination. Such Release shall be substantially in the form of (I) the waiver and release agreement in general usage by the Company immediately before the Effective Date
or (II) any such agreement that may be created by the Company immediately before the Effective Date, subject to any changes thereto that may be required by law; furthermore provided that such Release shall include preservation of the
Executive’s indemnification rights or right of recovery as an insured (including, but not limited to, any right to receive an advancement of attorney’s fees and other defense costs) under any of the insurance policies of the Company or any
of its affiliates, subsidiaries or related entities, including, without limitation, any director and officer insurance policies, under the Company’s by-laws and articles of incorporation, and under any other common law, contractual or other
indemnification or attorney fee coverage rights in effect immediately before the Effective Date. Any Release tendered to the Executive must identify all amounts and benefits to be provided to the Executive pursuant to this Section 5(a) of the
Agreement prior to the Executive’s execution of the Release, including, but not limited to, any adjustment to the amount provided that may be made in accordance with Section 8 of the Agreement. 

(b) Death. If the Executive’s employment is terminated by reason of the Executive’s death during the Employment
Period, the Company shall provide the Executive’s estate or beneficiaries with (i) the Accrued Obligations, (ii) the Pro Rata Bonus, and (iii) the timely payment or delivery of the Other Benefits, and shall have no other
severance obligations under this Agreement. The Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive’s estate or beneficiary, as applicable, in a lump sum in cash on the
30th day after the Date of Termination. With respect to the provision of the Other Benefits, the term “Other Benefits” as utilized in this Section 5(b) shall include, without
limitation, and the Executive’s estate and/or beneficiaries shall be entitled to receive, benefits at least equal to the most favorable benefits provided by the Company and the Affiliated Companies to the estates and beneficiaries of peer
executives of the Company and the Affiliated Companies under such plans, programs, practices and policies relating to death benefits, if any, as in effect with respect to other peer executives and their beneficiaries at any time during the 120-day
period immediately preceding the Effective Date or, if more favorable to the Executive’s estate and/or the Executive’s beneficiaries, as in effect on the date of the Executive’s death with respect to other peer executives of the
Company and the Affiliated Companies and their beneficiaries. 
 (c) Disability. If the Executive’s employment is
terminated by reason of the Executive’s Disability during the Employment Period, the Company shall provide the Executive with (i) the Accrued Obligations, (ii) the Pro Rata Bonus, and (iii) the timely payment or delivery of the
Other Benefits in accordance with the terms of the underlying plans or agreements, and shall have no other severance obligations under this Agreement. The Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive in a lump sum in
cash on the 30th day after the Date of Termination, provided, that in the event that the Executive is a Specified Employee, the Pro Rata Bonus shall be paid, with Interest, to the Executive
on the Delayed Payment Date. With respect to the provision of the Other Benefits, the term “Other Benefits” as utilized in this Section 5(c) shall include, and the Executive shall be entitled after the Disability Effective Date to
receive, disability and other benefits at least equal to the most favorable of those generally provided by the Company and the Affiliated Companies to disabled executives and/or their families in accordance with such plans, programs, practices and
policies relating to disability, if any, as in effect generally with respect to other peer executives and their families at any time during the 120-day period immediately preceding the Effective Date or, if more favorable to the Executive and/or the
Executive’s family, as in effect at any time thereafter generally with respect to other peer executives of the Company and the Affiliated Companies and their families. 

(d) Cause; Other Than for Good Reason. If the Executive’s employment is terminated for Cause during the Employment Period,
the Company shall provide the Executive with the Accrued Obligations and the timely payment or delivery of the Other Benefits, and shall have no other severance obligations under this 

 
Agreement. If the Executive voluntarily terminates employment during the Employment Period, excluding a termination for Good Reason, the Company shall provide to the Executive the Accrued
Obligations and the Pro Rata Bonus and the timely payment or delivery of the Other Benefits, and shall have no other severance obligations under this Agreement. In such case, all the Accrued Obligations and the Pro Rata Bonus shall be paid to the
Executive in a lump sum in cash on the 30th day after the Date of Termination, provided, that in the event that the Executive is a Specified Employee, the Pro Rata Bonus shall be paid, with
Interest, to the Executive on the Delayed Payment Date. 
 Section 6. Non-exclusivity of Rights. Nothing in this
Agreement shall prevent or limit the Executive’s continuing or future participation in any plan, program, policy or practice provided by the Company or the Affiliated Companies and for which the Executive may qualify, nor, subject to
Section 9(a)(2) and Section 12(f), shall anything herein limit or otherwise affect such rights as the Executive may have under any other contract or agreement with the Company or the Affiliated Companies. Amounts that are vested benefits
or that the Executive is otherwise entitled to receive under any plan, policy, practice or program of or any other contract or agreement with the Company or the Affiliated Companies at or subsequent to the Date of Termination (“Other
Benefits”) shall be payable in accordance with such plan, policy, practice or program or contract or agreement, except as explicitly modified by this Agreement. Without limiting the generality of the foregoing, the Executive’s
resignation under this Agreement with or without Good Reason, shall in no way affect the Executive’s ability to terminate employment by reason of the Executive’s “retirement” under any compensation and benefits plans, programs or
arrangements of the Company or the Affiliated Companies, including without limitation any retirement or pension plans or arrangements or to be eligible to receive benefits under any compensation or benefit plans, programs or arrangements of the
Company or the Affiliated Companies, including without limitation any retirement or pension plan or arrangement of the Company or the Affiliated Companies or substitute plans adopted by the Company or its successors, and any termination which
otherwise qualifies as Good Reason shall be treated as such even if it is also a “retirement” for purposes of any such plan. Notwithstanding the foregoing, if the Executive receives payments and benefits pursuant to Section 5(a) of
this Agreement, the Executive shall not be entitled to any severance pay or benefits under any severance plan, program or policy of the Company and the Affiliated Companies, unless otherwise specifically provided therein in a specific reference to
this Agreement, or to any payments or benefits under any Non-Competition Agreement between the Executive and the Company or one of its Affiliated Companies (the “NCA”) that is in effect as of immediately prior to the Effective Date.

 Section 7. Full Settlement; Legal Fees. The Company’s obligation to make the payments provided for in this
Agreement and otherwise to perform its obligations hereunder shall not be affected by any set-off, counterclaim, recoupment, defense, or other claim, right or action that the Company may have against the Executive or others. In no event shall the
Executive be obligated to seek other employment or take any other action by way of mitigation of the amounts payable to the Executive under any of the provisions of this Agreement, and such amounts shall not be reduced whether or not the Executive
obtains other employment. The Company agrees to pay as incurred (within 10 days following the Company’s receipt of an invoice from the Executive), at any time from the Effective Date of this Agreement through the Executive’s remaining
lifetime (or, if longer, through the 20th anniversary of the Effective Date) to the full extent permitted by law, all legal fees and expenses that the Executive may reasonably incur as a result of
any contest (regardless of the outcome thereof) by the Company, the Executive or others of the validity or enforceability of, or liability under, any provision of this Agreement or any guarantee of performance thereof (including as a result of any
contest by the Executive about the amount of any payment pursuant to this Agreement), plus, in each case, Interest. In order to comply with Section 409A of the Code, in no event shall the payments by the Company under this Section 7 be
made later than the end of the calendar year next following the calendar year in which such fees and expenses were incurred, provided, that the Executive shall have submitted an invoice for such fees and expenses at least 10 days before the
end of the calendar year next following the calendar year in which such fees and expenses were incurred. The amount of such legal fees and expenses that the Company is obligated to pay in any given calendar year shall not affect the legal fees and
expenses that the Company is obligated to pay in any other calendar year, and the Executive’s right to have the Company pay such legal fees and expenses may not be liquidated or exchanged for any other benefit. Notwithstanding anything
contained herein to the contrary, in no event shall the Executive be entitled to the payment of legal fees under this Section 7 in connection with an enforcement action by the Company of the Executive’s obligations under the NCA (as
modified by Section 9(a) of this Agreement). 

 Section 8. Treatment of Payments by the Company. 

(a) In the event that the payments or distributions to be made by the Company to or for the benefit of the Executive (whether paid or payable
or distributed or distributable pursuant to the terms of this Agreement, under some other plan, agreement, or arrangement, or otherwise) (a “Payment”) (i) constitute “parachute payments” within the meaning of
Section 280G of the Internal Revenue Code and (ii) but for this Section 8 would be subject to the excise tax imposed by Section 4999 of the Internal Revenue Code (the “Excise Tax”), then the Payment to the
Executive shall be either: (i) delivered in full, or (ii) delivered after reducing the Payment $1 below an amount equal to 2.99 times the Executive’s “base amount,” within the meaning of Section 280G(b)(3) of the Code
(the “Safe Harbor Amount”) which would result in no portion of the Payment being subject to the Excise Tax; whichever of the foregoing amounts determined under (i) and (ii) hereof, taking into account the applicable
federal, state, and local income taxes and the Excise Tax, results in the receipt by the Executive on an after-tax basis, of the greater amount, notwithstanding that all or some portion of the Payment may be subject to the Excise Tax. 

(b) In the event of a reduction of the amounts payable hereunder, if applicable, any amount payable shall be made by reducing the payments and
benefits under the following sections in the following order and only to the extent necessary: (i) Section 5(a)(4), (ii) Section 5(a)(1)(B), (iii) Section 5(a)(1)(C), (iv) Section 5(a)(1)(D),
(v) Section 5(a)(1)(E); (vi) Section 5(a)(1)(A)(iv), (vii) Section 5(a)(2) and (viii) Section 5(a)(3). For purposes of reducing the Payments to the Safe Harbor Amount, only amounts payable under this Agreement
(and no other Payments) shall be reduced. 
 (c) All determinations required to be made under this Section 8, including whether an
Excise Tax may be owed and the assumptions to be utilized in arriving at such determination, shall be made by Deloitte & Touche or such other nationally recognized certified public accounting firm as may be designated by the Executive (the
“Accounting Firm”). The Company and the Executive shall cooperate with each other and the Accounting Firm and shall provide necessary information so that the Accounting Firm may make all such determinations. The Accounting Firm
shall provide detailed supporting calculations both to the Company and the Executive within 15 business days of the receipt of notice from the Executive that there has been a Payment or such earlier time as is requested by the Company. In the event
that the Accounting Firm is serving as accountant or auditor for the individual, entity or group effecting the Change of Control, the Executive may appoint another nationally recognized accounting firm to make the determinations required hereunder
(which accounting firm shall then be referred to as the Accounting Firm hereunder). All fees and expenses of the Accounting Firm shall be borne solely by the Company. Any determination by the Accounting Firm shall be binding upon the Company and the
Executive. 
 Section 9. Restrictive Covenants. (a) If, as of immediately prior to the Effective Date, the Executive
is a party to an NCA and/or a Confidentiality, Work Product and Non-Solicitation of Employee Agreement (“CWP + NS”), the restrictive covenants set forth in the NCA and the CWP + NS and the enforcement provisions thereof shall continue in
full force and effect as if set forth herein in their entirety and Section 9(b) shall be inapplicable to the Executive; provided, however, that, notwithstanding anything to the contrary contained herein or in the NCA or the CWP + NS,
following the Effective Date, (1) the Non-Competition Period and the period of application for the Non-Solicitation of Employees provision set forth in Section 3 of any applicable CWP + NS, shall be limited to one year from the
Executive’s Date of Termination (or such shorter period as shall apply consistent with the Company’s ability to waive the non-competition covenant pursuant to the NCA), (2) the Executive shall not be entitled to receive any payments
or benefits under the NCA upon a termination of employment for any reason, and (3) in no event shall an asserted violation of the NCA constitute a basis for deferring or withholding any amounts otherwise payable to the Executive under this
Agreement. 
 (b) If the Executive is not party to an NCA as of immediately prior to the Effective Date, following the Effective Date, the
Executive shall hold in a fiduciary capacity for the benefit of the Company all secret or confidential information, knowledge or data relating to the Company or the Affiliated Companies, and their respective businesses, which information, knowledge
or data shall have been obtained by the Executive during the Executive’s employment by the Company or the Affiliated Companies and which information, knowledge or data shall not be or become public knowledge (other than by acts by the Executive
or representatives of the Executive in violation of this Agreement). After termination of the Executive’s employment with the Company, the Executive shall not, without the prior written consent of the Company or as may otherwise be required by
law or legal process, communicate or divulge any such information, knowledge or data to anyone other than the Company and those persons designated by the Company. In no event shall an asserted violation of this Section 9(b) constitute a basis
for deferring or withholding any amounts otherwise payable to the Executive under this Agreement. 

 Section 10. Successors. (a) This Agreement is personal to the Executive,
and, without the prior written consent of the Company, shall not be assignable by the Executive other than by will or the laws of descent and distribution. This Agreement shall inure to the benefit of and be enforceable by the Executive’s legal
representatives. 
 (b) This Agreement shall inure to the benefit of and be binding upon the Company and its successors and assigns. Except
as provided in Section 10(c), without the prior written consent of the Executive this Agreement shall not be assignable by the Company. 

(c) The Company will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of the Company to assume expressly and agree to perform this Agreement in the same manner and to the same extent that the Company would be required to perform it if no such succession had taken place.
“Company” means the Company as hereinbefore defined and any successor to its business and/or assets as aforesaid that assumes and agrees to perform this Agreement by operation of law or otherwise. 

Section 11. Funding. This Agreement constitutes an unfunded, unsecured obligation of the Company, and any payments made
hereunder shall be made from the general assets of the Company. Prior to the Effective Date, the Company may establish a trust pursuant to a trust agreement and may make contributions to such trust in accordance with the terms and conditions of such
trust agreement for the purpose of assisting the Company in meeting its payment obligations under this Agreement; provided, however, that the trust shall not be funded if the funding thereof would result in taxable income to the Executive by
reason of Section 409A(b) of the Code; and provided, further, that in no event shall any trust assets at any time be located or transferred outside of the United States, within the meaning of Section 409A(b) of the Code. Any fees
and expenses of the trustee shall be paid by the Company.  
 Section 12. Miscellaneous. (a) This Agreement
shall be governed by and construed in accordance with the laws of the State of Delaware without reference to principles of conflict of laws. The captions of this Agreement are not part of the provisions hereof and shall have no force or effect. This
Agreement may not be amended or modified other than by a written agreement executed by the parties hereto or their respective successors and legal representatives. 

(b) All notices and other communications hereunder shall be in writing and shall be given by hand delivery to the other party or by registered
or certified mail, return receipt requested, postage prepaid, addressed as follows: 
 if to the Executive: 

At the most recent address on file at the Company. 

if to the Company: 

Capital One Financial Corporation 

1680 Capital One Drive 

McLean, Virginia 22102 

Attention: General Counsel 
 or
to such other address as either party shall have furnished to the other in writing in accordance herewith. Notice and communications shall be effective when actually received by the addressee. 

(c) The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other
provision of this Agreement. 

 (d) The Company may withhold from any amounts payable under this Agreement such United States
federal, state or local or foreign taxes as shall be required to be withheld pursuant to any applicable law or regulation. 
 (e) The
Executive’s or the Company’s failure to insist upon strict compliance with any provision of this Agreement or the failure to assert any right the Executive or the Company may have hereunder, including, without limitation, the right of the
Executive to terminate employment for Good Reason pursuant to Sections 4(c)(1) through 4(c)(5), shall not be deemed to be a waiver of such provision or right or any other provision or right of this Agreement. 

(f) The Executive and the Company acknowledge that, except as may otherwise be provided under any other written agreement between the
Executive and the Company, the employment of the Executive by the Company is “at will” and, subject to Section 1(a), prior to the Effective Date, the Executive’s employment may be terminated by either the Executive or the Company
at any time prior to the Effective Date, in which case the Executive shall have no further rights under this Agreement. From and after the date hereof, this Agreement shall supersede any prior Change of Control Employment Agreement between the
Company and the Executive. From and after the Effective Date, except as specifically provided herein including Section 9(a) of this Agreement with respect to the NCA (as modified by Section 9(a)), this Agreement shall supersede any other
severance or separation pay agreement or employment agreement containing severance provisions between the Executive and the Company or its Affiliated Companies. 

(g) Notwithstanding Section 5(a)(1) of this Agreement and if the Executive is party to an NCA, in the event the Change of Control is not
a “change in the ownership or effective control” of the Company or “a change in the ownership of a substantial portion of the assets” of the Company (each as defined in Section 409A of the Code and the regulations thereunder
as in effect from time to time), the payments under Section 5(a)(1)(B) shall be paid as follows: (1) the amount equal to the sum of (A) one times the Executive’s Annual Base Salary and (B) the amount of the employer portion
of health care premiums plus the 2% administrative fee (the “Installment Amount”) shall be paid in installments beginning on the first regular payroll date following the Date of Termination and continuing on each regular payroll
date for during the one-year period following the Date of Termination, and (2) the amount determined under Section 5(a)(1)(B) minus the Installment Amount shall be paid in a lump sum in cash on the 30th day after the Date of Termination, in each case, subject to delayed payment until the Delayed Payment Date if the Executive is a Specified Employee; provided that, if the Executive fails to execute
a timely Release that becomes irrevocable in accordance with Section 5(a) hereof, then the Executive shall (I) forfeit all unpaid installments otherwise due hereunder, and (II) refund to the Company any installments already paid (with no
interest due for periods before the end of the 30-day period after the Company sends the Executive a written notice demanding such repayment). 

(h) The Agreement is intended to comply with the requirements of Section 409A of the Code or an exemption or exclusion therefrom and
shall in all respects be administered in accordance with Section 409A of the Code. Each payment under the Agreement shall be treated as a separate payment for purposes of Section 409A of the Code. In no event may the Executive, directly or
indirectly, designate the calendar year of any payment to be made under this Agreement. If the Executive dies following the Date of Termination and prior to the payment of any amounts delayed on account of Section 409A of the Code, such amounts
shall be paid to the personal representative of the Executive’s estate on the 30th day after the date of the Executive’s death. All reimbursements and in-kind benefits provided under the
Agreement that constitute deferred compensation within the meaning of Section 409A of the Code shall be made or provided in accordance with the requirements of Section 409A of the Code, including without limitation, that (i) in no
event shall reimbursements by the Company under this Agreement be made later than the end of the calendar year next following the calendar year in which the applicable fees and expenses were incurred, provided, that the Executive shall have
submitted an invoice for such fees and expenses at least 10 days before the end of the calendar year next following the calendar year in which such fees and expenses were incurred; (ii) the amount of in-kind benefits the Company is obligated to
pay or provide in any given calendar year shall not affect the in-kind benefits that he Company is obligated to pay or provide in any other calendar year; (iii) the Executive’s right to have the Company pay or provide such reimbursements
and in-kind benefits may not be liquidated or exchanged for any other benefit; and (iv) in not event shall the Company’s obligations to make reimbursements or to provide in-kind benefits apply beyond the Executive’s remaining lifetime
(or if longer, through the 20th anniversary of the Effective Date). Prior to the Effective Date but within the time period permitted by the applicable Treasury Regulations, the Company may, in
consultation with the Executive, modify the Agreement, in the least restrictive manner necessary and without any diminution in the value of the payments to the Executive, in order to cause the provisions of the Agreement to comply with the
requirements of Section 409A of the Code, so as to avoid the imposition of taxes and penalties on the Executive pursuant to Section 409A of the Code. 

 IN WITNESS WHEREOF, the Executive has hereunto set the Executive’s hand and, pursuant to the
authorization from the Board, the Company has caused these presents to be executed in its name on its behalf, all as of the day and year first above written. 

 

			
		 	/s/ Richard D. Fairbank
		 	Richard D. Fairbank
	
	CAPITAL ONE FINANCIAL CORPORATION
		
	 By:
	 	/s/ John G. Finneran, Jr.
		 	John G. Finneran, Jr.

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