Document:

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                         FORM OF STOCK OPTION AGREEMENT

                                  EXHIBIT 10.65

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                             STOCK OPTION AGREEMENT
                             ----------------------

      THIS STOCK OPTION AGREEMENT is made and entered into as of the date set
forth in the attachment hereto between WILMINGTON TRUST CORPORATION, a Delaware
corporation (the "Corporation"), and ___________ whose name is set forth on the
attachment hereto ("_________").

                                   BACKGROUND

      A. The Corporation has determined that its interests will be advanced by
providing an incentive to _____________ to acquire a proprietary interest in the
Corporation and, as a stockholder, to share in its success, with added incentive
to work effectively for and in the Corporation's interests.

      B. Unless otherwise provided herein, capitalized terms used herein shall
have the meanings given to them in the Corporation's ________________ Plan (the
"Plan").

      NOW, THEREFORE, in consideration of the foregoing, the mutual promises
contained herein and other good and valuable consideration, the receipt and
sufficiency of which hereby are acknowledged, the parties hereto, intending to
be legally bound hereby, agree as follows:

      1. Grant. Subject to the provisions of the Plan, ______________ hereby is
granted, as a matter of separate agreement and not in lieu of salary or any
other compensation for services, the right and option (the "Option") to purchase
up to the number of full shares of the Corporation's common stock set forth in
the attachment hereto, which may be authorized but unissued shares or previously
issued shares which the Corporation has re-acquired and holds in its treasury.
The Option shall be an incentive stock option under Section 422 of the Internal
Revenue Code of 1986, as amended (the "Code"), with respect to the number of
shares so reflected on the attachment hereto and a non-statutory stock option
with respect to the number of shares so reflected on the attachment hereto.

      2. Price. The purchase price of each of the shares described in Paragraph
1 above shall be set forth in the attachment hereto.

      3. When Exercisable. The Option may not be exercised prior to
_____________ from the date hereof. Thereafter, and from time to time,
________________ may exercise the Option, in whole or in part, at any time
within a period of ___ years after the date set forth in the attachment hereto,
subject to earlier termination as provided in Paragraph 6 below.

      4. How Exercisable. _____________ may exercise the Option by delivering
written notice to the Corporation specifying the number of shares to be
acquired. That notice shall be accompanied either by (a) a check in full payment
of the Option price per share, (b) delivery of full shares of the Corporation's
common stock duly owned by _______________ (and for which ________________ has
good title, free and clear of any liens or encumbrances) in negotiable form and
having a Market Value Per Share on the date of exercise equal to the Option
price of the shares being acquired (which may include shares to be issued in
connection with the exercise of the Option, subject to such rules as the
Committee deems appropriate), (c) any combination of cash and such shares equal
in value to the exercise price, or (d) delivery of other consideration that the
Committee deems appropriate (including payment in accordance with a cashless
exercise program under which, if _______________ so instructs, shares may be
issued directly to

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_____________'s broker or dealer upon receipt of the full exercise price from
the broker or dealer). Until that payment, ______________ shall have no rights
in the stock being acquired.

      ______________ acknowledges that all shares acquired by him or her
pursuant hereto are and will be acquired for investment only and not for
distribution. _____________ shall provide the Corporation with a written
representation, signed by him or her, to that effect upon request.

      5. Transfer. The Option is not transferable by _____________ otherwise
than by will or pursuant to the laws of descent and distribution or, in certain
circumstances, pursuant to a qualified domestic relations order, as defined in
the Internal Revenue Code of 1986, as amended, or the Employee Retirement Income
Security Act of 1974, as amended.

      6. Termination of Option.

      a. If _________________'s employment is terminated for any reason other
than retirement, death, or disability, whether by resignation or discharge, the
Option shall be cancelled effective as of the date that employment is
terminated.

      b. In the case of _______________'s death, the Option shall terminate in
accordance with the terms and conditions of the Plan.

      c. If ______________'s employment terminates due to disability or
retirement, the Option shall, at _______________'s election, vest immediately if
not already vested, and shall be exercisable until the earlier of the expiration
date of the Option or _______ years after the date of the disability or
retirement. If _____________ has died before then, the Option shall be
exercisable only by the person or persons to whom ________________'s rights
under the Option passed under ________________'s will or by the laws of descent
and distribution.

      d. In the event of a Change in Control, the Option shall, to the extent it
is outstanding and unexercised, become exercisable in accordance with the terms
and conditions of the Plan.

      7. Plan Provisions Control Award Terms; Modifications. The Option is
granted pursuant and subject to the terms and conditions of the Plan, the
provisions of which are incorporated by reference herein. If any provision
hereof conflicts with any provision of the Plan as constituted on the Date of
Grant, the terms of the Plan shall control. The Option shall not be modified
after the Date of Grant except by written agreement between the Corporation and
________________; provided, however, that such modification (a) shall not be
inconsistent with the Plan and (b) shall be approved by the Committee.

      In all other respects, all questions relating to the validity,
interpretation, construction, and enforcement hereof shall be governed by
Delaware law.

      8. Taxes. The Corporation shall be entitled to withhold (or secure payment
from ______________ in lieu of withholding) the amount of any withholding or
other tax required to be withheld or paid by the Corporation by law with respect
to any shares issuable hereunder, or upon a disqualifying disposition of shares
received pursuant to the exercise of the portion of the Option, if any, which is
an incentive stock option under Section 422 of the Code. The Corporation may
defer issuance of shares upon the exercise of the Option unless the Corporation
is indemnified to its satisfaction against any liability for any such tax. The
amount of that withholding or tax payment shall be determined by the Committee
or its delegate. _______________ may satisfy his or her tax withholding
obligation by: (a) paying cash to the Corporation and/or (b) delivering to the
Corporation a number of shares of the Corporation's stock or withholding from
the Option, at the appropriate time, a number of shares, in either case
sufficient, based upon the Market Value Per Share of those shares, to satisfy
those tax

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withholding requirements. The Committee shall be authorized, in its sole
discretion, to establish rules and procedures relating to any such withholding
methods it deems necessary or appropriate (including, without limitation, rules
and procedures relating to elections to have shares withheld upon exercise of
the Option) to meet those withholding obligations.

      9. Continuation in Employment. Nothing herein shall be deemed to confer on
_______________any right to continue in the employ of the Corporation or any of
its subsidiaries or to interfere in any way with the right of the Corporation or
any of its subsidiaries to terminate his or her employment at any time.

      10. Notice of Disposition of Shares. _________________ agrees that, if he
or she disposes of any shares acquired on the exercise of the Option (including
a disposition by sale, exchange, gift, or other transfer of legal title) within
12 months after the date any portion, thereof is exercised, ________________
shall notify the Corporation promptly.

      11. Counterparts. This Stock Option Agreement may be executed in one or
more counterparts, and when the Corporation and __________________ have each
executed at least one counterpart, this Stock Option Agreement shall be deemed
valid and in full force and effect as of the date set forth on the attachment
hereto.

      IN WITNESS WHEREOF, by the Corporation's execution hereto and
__________________'s execution of the attachment hereto, the parties have
executed and delivered this Stock Option Agreement as of the date first written
on the attachment hereto.

                                          WILMINGTON TRUST CORPORATION

                                          By:___________________________________

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                   ATTACHMENT TO STOCK OPTION AGREEMENT DATED
                   -------------------------------------------------------
All of the terms and conditions of the Stock Option Agreement dated
_______________ to which this Attachment is attached are incorporated by
reference as fully as if set forth herein.

Date of Grant:  ______________________

Staff Member:  ________________________

Incentive Stock Option for: __________ Shares

Non-Statutory Stock Option for:   ______________ Shares

Exercise price per share:  $_______________

_______________________________________________(SEAL)
Signature
______________________________________________ (PRINCIPAL RESIDENCE)

______________________________________________<PAGE>

                       FORM OF RESTRICTED STOCK AGREEMENT

                                  EXHIBIT 10.66

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                           RESTRICTED STOCK AGREEMENT
                           --------------------------

            The parties to this RESTRICTED STOCK AGREEMENT (this "Agreement"),
dated ______________, are WILMINGTON TRUST CORPORATION, a Delaware corporation
(the "Company"), and _______________________________ ("_____________").

                                   BACKGROUND
                                   ----------

            A. The Company has adopted _____________________, as amended (the
"Plan"), for the benefit of __________________ of the Company and its
subsidiaries.

            B. The Company desires to grant shares of the Company's common stock
to ________________ subject to certain transfer and forfeiture restrictions set
forth in this Agreement, as well as the provisions of the Plan. Those
restrictions shall lapse in accordance herewith.

            NOW, THEREFORE, in consideration of the foregoing, the mutual
covenants contained herein, and other good and valuable consideration, the
receipt and sufficiency of which hereby are acknowledged, the parties hereto,
intending to be legally bound hereby, agree as follows:

1.    RESTRICTED SHARES.
      -----------------

      1.1   Grant of Restricted Shares.
            --------------------------

            (a)   As of the date of this Agreement (the "Date of Grant"), the
Company grants to ______________ the number of shares of its common stock set
forth in the attachment hereto (the "Restricted Shares"), subject to the
restrictions set forth in Paragraph 1.2 hereof, the terms and conditions of the
Plan, and the other terms and conditions hereof. If and when the restrictions
set forth in Paragraph 1.2 expire in accordance with the terms of this Agreement
without forfeiture of the Restricted Shares, and upon the satisfaction of all
other applicable conditions with respect to the Restricted Shares, those shares
shall no longer be considered Restricted Shares for purposes hereof.

            (b)   As soon as practicable after the Date of Grant, the Company
shall, at its sole discretion, either:

                  (i) direct that a stock certificate or certificates
            representing the applicable Restricted Shares be registered in the
            name of ______________. Such certificate or certificates shall be
            held in the custody of the Company or its designee until the

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            expiration of the applicable Restricted Period (as defined in
            Paragraph 1.3). If the Company directs that a stock certificate or
            certificates representing the Restricted Shares be issued, on or
            before the date of the execution hereof____________ shall have
            delivered to the Company one or more stock powers endorsed in blank
            relating to the Restricted Shares. Each certificate for the
            Restricted Shares shall bear the following legend (the "Legend"):

                 The ownership and transferability of this certificate
                 and the shares of stock represented hereby are subject
                 to the terms and conditions (including those relating to
                 forfeiture) of _____________________ and a Restricted
                 Stock Agreement entered into between the registered
                 owner and Wilmington Trust Corporation. Copies of the
                 Plan and Agreement are on file in the executive offices
                 of the Company in Wilmington, Delaware.

            In addition, the stock certificate or certificates for the
            Restricted Shares shall be subject to stop-transfer orders and other
            restrictions as the Company may deem advisable under the rules,
            regulations, and other requirements of the Securities and Exchange
            Commission, any stock exchange upon which the Company's common stock
            is then listed, and any applicable federal or state securities laws.
            The Company may cause a legend or legends to be placed on that
            certificate or certificates to make appropriate reference to those
            restrictions.

                  (ii) in lieu of directing that a stock certificate or
            certificates representing the Restricted Shares be issued, the
            Company may direct that the Restricted Shares be issued in book
            entry form, subject to the restrictions set forth herein.

            (c)   As soon as administratively practicable following the vesting
of any portion of the Restricted Shares, and upon the satisfaction of all other
applicable conditions relating to the Restricted Shares (including, without
limitation, the payment by __________ of all applicable withholding taxes), the
Company shall deliver or cause to be delivered to ______________ a certificate
or certificates for the applicable Restricted Shares that shall not bear the
Legend.

      1.2   Restrictions.
            ------------

            (a)   _________________ shall have all rights and privileges of a
stockholder with respect to the Restricted Shares, including the right to vote
and receive dividends or other distributions with respect to the Restricted
Shares, except that the following restrictions shall apply:

                  (i) _______________ shall not be entitled to delivery of the
            certificate or certificates for any portion of the Restricted Shares
            until that portion of those

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            Restricted Shares has vested without a forfeiture of the Restricted
            Shares and upon the satisfaction of all other applicable conditions;

                  (ii) none of the Restricted Shares may be sold, transferred,
            assigned, pledged, or otherwise encumbered or disposed of until
            those Restricted Shares have vested;

                  (iii) all shares of common stock distributed as a dividend or
            distribution, if any, with respect to the Restricted Shares before
            those Restricted Shares have vested shall be subject to the same
            restrictions as the Restricted Shares; and

                  (iv) all of the Restricted Shares which have not yet vested
            shall be forfeited and returned to the Company and all rights of
            ______________ with respect to the Restricted Shares shall terminate
            in their entirety on the terms and conditions set forth in Paragraph
            1.4.

            (b)   Any attempt to dispose of Restricted Shares or any interest in
the Restricted Shares in a manner contrary to the restrictions set forth herein
shall be void and of no effect.

      1.3   Restricted Period and Vesting.
            -----------------------------

            (a)   Subject to the provisions of this Section 1.3 and
Sections 1.4, 1.5, and 1.6, the restrictions set forth in Paragraph 1.2 shall
apply for a period (the "Restricted Period") beginning on the Date of Grant and
ending on the _______ anniversary of the Date of Grant.

            (b)   Notwithstanding the provisions of Sections 1.3(a), the
Restricted Shares shall be deemed vested and no longer subject to forfeiture
under Section 1.4 in accordance with the schedule set forth in the attachment
hereto.

            (c)   Upon ______________'s death, Disability, Normal Retirement, or
Other Retirement, or in the event of a Change in Control (as that term is
defined in the Plan), all Restricted Shares shall be deemed vested.

      1.4   Forfeiture.
            ----------

            (a)   Subject to Section 1.6 below, if, during the Restricted
Period, (i) ___________'s employment with the Company and its subsidiaries is
terminated for any reason other than Normal Retirement, death, or disability,
(ii) there occurs a material breach hereof by ___________, or (iii)
_______________ fails to meet the tax withholding obligations described in
Section 1.5(b), all rights of ________________ to the Restricted Shares that
have not vested in accordance with Section 1.3 as of the date of that
termination shall terminate immediately and be forfeited in their entirety.

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            (b)   In the event of any forfeiture under this Paragraph 1.4, any
certificate or certificates representing the forfeited Restricted Shares shall
be canceled to the extent of any Restricted Shares that are forfeited.

      1.5   Withholding.
            -----------

            (a)   The Compensation Committee (as that term is defined in the
Plan) or its designee shall determine the amount of any withholding or other tax
required by law to be withheld or paid by the Company with respect to any income
recognized by the Executive relating to the Restricted Shares.

            (b)   ________________ shall be required to meet any applicable tax
withholding obligation in accordance with the provisions of the Plan.
___________may satisfy his or her tax withholding obligation by: (1) paying cash
to the Company and/or (2) delivering to the Company a number of shares of the
Company's stock or having the Company withhold from ___________, at the
appropriate time, a number of shares, in either case sufficient, based upon the
market value per share of those shares, to satisfy those tax withholding
requirements.

            (c)   The Compensation Committee shall be authorized, in its sole
discretion, to establish rules and procedures relating to the use of shares of
____________'s common stock to satisfy tax withholding obligations as it deems
necessary or appropriate to facilitate and promote the conformity of the
Executive's transactions under the Plan and this Agreement with Rule 16b-3 under
the Securities Exchange Act of 1934, as amended, if that Rule is applicable to
transactions by _______________.

      1.6   Compensation Committee's Discretion. Notwithstanding any provision
hereof to the contrary, the Compensation Committee shall have discretion under
the Plan to waive any forfeiture of the Restricted Shares as set forth in
Paragraph 1.4, the Restricted Period, and any other conditions set forth herein.

2.    REPRESENTATIONS OF _________________.
      ------------------------------------

      ______________ hereby represents to the Company that ______________has
read and fully understands the provisions of this Agreement and the Plan and his
or her decision to participate in the Plan is completely voluntary. Further,
_____________ acknowledges that ______________ is relying solely on his or her
own advisors with respect to the tax consequences of this restricted stock
award.

3.    NOTICES.
      -------

      All notices or communications under this Agreement shall be in writing,
addressed as follows:

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            To the Company:

            Wilmington Trust Company
            Rodney Square North
            1100 North Market Street
            Wilmington, Delaware 19890

            Attention:  Gerard A. Chamberlain, Esquire

            To ____________________, the address set forth in the attachment
hereto.

Any such notice or communication shall be (a) delivered by hand (with written
confirmation of receipt) or sent by a nationally recognized overnight delivery
service (receipt requested) or (b) be sent certified or registered mail, return
receipt requested, postage prepaid, addressed as above (or to such other address
as such party may designate in writing from time to time), and the actual date
of receipt shall determine the time at which notice was given.

4.    ASSIGNMENT; BINDING AGREEMENT.
      -----------------------------

      This Agreement shall be binding upon and inure to the benefit of the heirs
and representatives of __________ and the assigns and successors of the Company,
but neither this Agreement nor any rights hereunder shall be assignable or
otherwise subject to hypothecation by ______________.

5.    ENTIRE AGREEMENT; AMENDMENT; TERMINATION.
      ----------------------------------------

      This Agreement represents the entire agreement between the parties with
respect to the subject matter hereof. The provisions of the Plan are
incorporated by reference in this Agreement in their entirety. In the event of
any conflict between the provisions of this Agreement and the Plan, the
provisions of the Plan shall control. This Agreement may be amended at any time
by written agreement of the parties hereto.

6.    GOVERNING LAW.
      -------------

      This Agreement and its validity, interpretation, performance, and
enforcement shall be governed by the laws of Delaware other than the conflict of
laws provisions of those laws.

7.    SEVERABILITY.
      ------------

      Whenever possible, each provision herein shall be interpreted in a manner
so to be effective and valid under applicable law, but if any provision hereof
is held to be prohibited by or invalid under applicable law, then (a) that
provision shall be deemed amended to accomplish the objectives of the provision
as originally written to the fullest extent permitted by law and (b) all other
provisions hereof shall remain in full force and effect.

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8.    NO RIGHT TO CONTINUED EMPLOYMENT OR PARTICIPATION; EFFECT ON OTHER PLANS.
      ------------------------------------------------------------------------

      This Agreement shall not confer upon __________ any right with respect to
continued employment by the Company or its subsidiaries or continued
participation in the Plan, nor shall it interfere in any way with the right of
the Company and its subsidiaries to terminate __________'s employment at any
time. Payments received by ______________ pursuant to this Agreement shall not
be included in the determination of benefits under any pension, group insurance,
or other benefit plan of the Company or any Subsidiaries in which ______________
may be enrolled or for which _______________ may become eligible, except as may
be provided under the terms of those plans or by the Board of Directors.

9.    NO STRICT CONSTRUCTION.
      ----------------------

      No rule of strict construction shall be implied against the Company, the
Compensation Committee, or any other person in the interpretation of any term of
the Plan, this Agreement, or any rule or procedure established by the
Compensation Committee.

10.   USE OF THE WORD "_____________".
      -------------------------------

      Wherever the word "_____________" is used in any provision hereof under
circumstances in which the provision should logically be construed to apply to
the executors, administrators, or person or persons to whom the Restricted
Shares may be transferred by will or the laws of descent and distribution, the
word "______________" shall be deemed to include those person or persons.

12.   CAPITALIZED TERMS.
      -----------------

      Capitalized terms not otherwise defined herein shall have the meaning
assigned them in the Plan.

11.   FURTHER ASSURANCES.
      ------------------
      _______________ agrees, upon demand of the Company or the Compensation
Committee, to do all acts and execute, deliver, and perform all additional
documents, instruments, and agreements (including, without limitation, stock
powers with respect to shares of the Company's common stock issued as a dividend
or distribution on Restricted Shares) that may be reasonably required by the
Company or the Compensation Committee, as the case may be, to implement the
provisions and purposes of this Agreement and the Plan.

12.   CERTAIN DEFINITIONS.
      -------------------

      a. "Cause" means termination for, as the Compensation Committee determines
in its sole and absolute discretion, ______________'s personal dishonesty,
willful misconduct, breach of fiduciary duty involving personal profit,
intentional failure to perform stated duties, willful

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violation of any law, rule, or regulation (other than traffic violations or
similar offences), or a final cease-and-desist order.

      b. "Disability" means any physical or mental injury or disease of a
permanent nature that renders _______________ incapable of meeting the
requirements of the employment or other work he or she performed immediately
before that disability commenced. The Compensation Committee or its designee
shall make the determination of whether _____________ is disabled and when
_______________ becomes disabled in its sole and absolute discretion.

      c. "Normal Retirement Date" means the date on which ________________
terminates active employment with the employer he or she was employed with when
he or she was last granted Restricted Shares on or after attaining age 65, but
does not include termination for Cause.

      d. "Other Retirement Date" means a date, on or after ______________
attains age 55 but earlier than _______________'s Normal Retirement Date, that
the Compensation Committee in its sole and absolute discretion or its designee
approves and designates to be the date upon which __________________ retires for
purposes hereof, but does not include termination for Cause.

      IN WITNESS WHEREOF, by the Corporation's execution hereof and
______________'s execution of the attachment hereto, the parties have duly
executed this Agreement as of the date first written above.

                                       WILMINGTON TRUST CORPORATION

                                       By:    __________________________________

                                       Title: __________________________________

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                 ATTACHMENT TO RESTRICTED STOCK AGREEMENT DATED
                 -----------------------------------------------------------

All of the terms and conditions of the Restricted Stock Agreement dated ________
to which this Attachment is attached are incorporated by reference as fully as
if set forth herein.

      Date of Award:              ________________

      Name of Executive:          ________________

      Number of Shares:           ________

      Vesting Date                Vested Amount

      __________________          __________
      __________________          __________
      __________________          __________

      Address:

      ______________________________ (SEAL)

      ______________________________ (PRINCIPAL RESIDENCE)
      ______________________________

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