Document:

EXHIBIT 10.20.2

 Exhibit 10.20.2 
  
 CAPITAL ONE FINANCIAL CORPORATION 
 2004 Stock Incentive Plan 
 Restricted Stock Award Agreement 
  
 No. of Shares: <No. of Shares> 
  
 THIS AGREEMENT, dated the      of
                    , 2005 (the “Date of Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation
(“Capital One”), and <Name> (“you”), is made pursuant and subject to the provisions of the Company’s 2004 Stock Incentive Plan (the “Plan”) and all terms used herein that are defined in the Plan shall
have the same meaning given them in the Plan unless they are otherwise defined herein. 
  
 WHEREAS, Article 8 of the Plan provides for the award from time to time in the discretion of the Capital One Board of Directors (the “Board”) or its Compensation Committee (the “Committee”) of
shares of common stock of Capital One, .$.01 par value per share (the “Common Stock”), the vesting of which are subject to continued employment or other conditions; 
  
 W I T N E S S E T H : 
  
 1. Grant of Restricted Stock. Pursuant and subject to the terms and
conditions of the Plan, Capital One hereby grants to you <No. of Shares> shares of Common Stock (the “Restricted Stock”). The Restricted Stock shall vest and become freely transferable only in accordance with the provisions of
this Agreement and of the Plan. 
  
 2. Non-Transferability.
Subject to the provisions of Section 3 hereof, the rights represented by the Restricted Stock shall not be assignable or transferable, or otherwise alienated or hypothecated, under any circumstances. Any purported or attempted transfer of such
shares or such rights shall be null and void and shall result in the immediate forfeiture and cancellation of the Restricted Stock. 
  
 3. Lapse of Restrictions. 
  
 (a) Vesting. Except as provided in subsections 3(b) and 3(c) below, the Restricted Stock shall, to the extent not theretofore
vested or forfeited as provided herein, become transferable and the restrictions thereon shall lapse in full as follows: 25% of the Restricted Stock on the first anniversary of the Date of Grant; 25% of the Restricted Stock on the second anniversary
of the Date of Grant; and the remaining 50% of the Restricted Stock on the third anniversary of the Date of Grant. 
  

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 (b) Effect of Termination of Employment. 
  
 (i) Upon your termination of employment with Capital One for
any reason other than death, Disability, or Retirement, all shares of Restricted Stock, to the extent not theretofore vested as provided herein, shall immediately be forfeited. 
  
 (ii) Upon your termination of employment with Capital One as a result of your death, Disability or
Retirement, all of the shares of Restricted Stock shall, to the extent not previously vested or forfeited as provided herein, immediately become transferable and all restrictions thereon shall lapse upon such termination of employment. 

 
 (c) Vesting Schedule Upon Eligibility for
Retirement. 
  
 (i) Unless otherwise
determined by the Committee or the Independent Directors, as applicable, and to the extent permitted or required by law, the Shares granted under this Agreement shall become transferable upon the Grantee becoming eligible for Retirement, as defined
in the Plan, only and to the extent sufficient, if sold at Fair Market Value, as defined in the Plan, on the date of such eligibility, to provide for the payment of the 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 Shares granted under this Agreement shall continue to vest according to its original schedule. 
  
 (ii) Notwithstanding any other provision of this Agreement to the contrary, Capital One will instruct the
Plan administrator to withhold and transfer to Capital One the Restricted Stock that becomes transferable pursuant to the immediately foregoing paragraph in satisfaction of Grantee’s tax withholding liability, unless Grantee notifies Capital
One of Grantee’s intention to satisfy such tax withholding obligations in another permissible manner not less than 60 days prior to such eligibility date. Capital One reserves the right to change this instruction at any time. 
  
 (d) Effect of Change of Control. If a Change of
Control of Capital One occurs, then all of the shares of Restricted Stock shall, to the extent not previously vested or forfeited as provided herein, become transferable and all restrictions thereon shall lapse upon the occurrence of such Change of
Control. 
  
 4. Prohibition of Tax Election. You shall not
attempt or purport to elect under Section 83(b) of the Internal Revenue Code to pay income tax at the time of your Restricted Stock grant, and any such attempted or purported election shall result in the immediate forfeiture and cancellation of all
Restricted Stock granted to you under this Agreement. 
  

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 5. Modification and Waiver. Except as provided in the Plan with respect to determinations of the
Board or the Committee and subject to the Board’s right to amend the Plan, neither this Agreement nor any provision hereof can be changed, modified, amended, discharged, terminated or waived orally or by any course of dealing or purported
course of dealing, but only by an agreement in writing signed by you and Capital One; provided, that changes, modifications and amendments not detrimental to you may be made in writing signed only by Capital One. No such agreement shall extend to or
affect any provision of this Agreement not expressly changed, modified, amended, discharged, terminated or waived or impair any right consequent on such a provision. The waiver of or failure to enforce any breach of this Agreement shall not be
deemed to be a waiver or acquiescence in any other breach thereof. 
  
 6. Tax Withholding. If you become subject to withholding under applicable tax laws, you agree to pay Capital One the amount required to be withheld by one or more of the following methods: 
  

	 	(a)	by cash or check payment; 

  

	 	(b)	if the Restricted Stock has vested, by instructing the Plan administrator to sell that number of shares having a Fair Market Value equal to the amount required to be withheld and to
deliver the proceeds thereof to Capital One; or 

  

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

  
 7. Governing Law. This Agreement shall be governed by federal law and, to the extent not preempted thereby, by the laws of the Commonwealth of
Virginia. 
  
 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, 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, you agree that you will comply with such conditions as the Board of Directors and the Committee may impose on the Restricted Stock 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. 
  
 Capital One from time to time distributes and makes available to associates a
disclosure document relating to the Plan. You may also contact the HR Help Center to obtain a copy of the Plan disclosure document and the Plan. You should carefully read the Plan disclosure document and the Plan. By accepting the benefits of this
Restricted Stock Agreement you acknowledge receipt of the Plan and the Plan disclosure document and agree to be bound by the terms of this Agreement and the Plan. 
  
 IN WITNESS WHEREOF, CAPITAL ONE FINANCIAL CORPORATION has caused this Agreement to be signed on its behalf. 
  

			
	 CAPITAL ONE FINANCIAL CORPORATION

		
	 By:
	 	  

		
	 	 	 [signature]

		
	 	 	 Matthew Schuyler

	 	 	 Executive Vice President, Human Resources

  

 Page 3EXHIBIT 10.20.3

 Exhibit 10.20.3 
  
 CAPITAL ONE FINANCIAL CORPORATION 
 2004 Stock Incentive Plan 
 Nonstatutory Stock Option Agreement 
  
 No. of Shares Subject to Option: No. of Options 
  
 THIS AGREEMENT, dated the      of
                    , 2005 (the “Date of Grant”), between CAPITAL ONE FINANCIAL CORPORATION, a Delaware corporation (the
“Company”), and First Last (“Optionee”), is made pursuant and subject to the provisions of the Company’s 2004 Stock Incentive Plan (the “Plan”), and all terms used herein that are defined in the Plan shall
have the same meaning given them in the Plan unless they are otherwise defined herein: 
  
 W I T N E S S E T H : 
  
 1. Grant of Option. Pursuant and subject to the terms and conditions of the Plan and of this Agreement, the Company has granted to Optionee,
effective the Date of Grant, the right and option to purchase from the Company (the “Option”) all or any part of an aggregate of No. of Options shares of Company Stock (the “Option Shares”) at the purchase price per share
of $             (the “Option Price”), being not less than 100% of the Fair Market Value per share of the Common Stock on the Date of Grant, such Option to be
exercisable as hereinafter provided. The Option evidenced hereby is intended to be a nonstatutory stock option that does not receive special tax treatment under Section 422 of the Internal Revenue Code. 
  
 2. Terms and Conditions. The Option evidenced by this Agreement is
subject to the following terms and conditions: 
  
 (a) Expiration Date. The Option shall expire on                     , 2015 (ten years from the Date of Grant) unless earlier
terminated as provided for herein. 
  
 (b)
Transferability. 
  
 (i) Except as provided
in the following sentence, the Option shall be nontransferable except by will or by the laws of descent and distribution and, during the lifetime of Optionee, may be exercised only by Optionee, except as provided in Section 3 below. The Option (or
any portion thereof) may be transferred by the Optionee to (1) the spouse, children, or grandchildren of Optionee (“Immediate Family Members”), (2) a trust or trusts for the exclusive benefit of Optionee and/or such Immediate Family
Members, or (3) a partnership in which Optionee and/or such Immediate Family Members are the only partners; provided that (w) no consideration is paid to the Optionee in connection with the 

  

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transfer, (x) in the event of a transfer, the Option is exercisable, during the original transferee’s lifetime, only by the transferee or by his or her
guardian or legal representative, (y) following such transfer, Optionee retains no interest or reversion in the Option (or the underlying shares upon exercise) and has no right to alter or amend the Option or revoke the transfer, and (z) subsequent
transfer of the Option by the transferee (excluding transfers by will or by the laws of descent and distribution) is prohibited. Following transfer, the Option shall continue to be subject to the same terms and conditions as were applicable to the
Option immediately before transfer; provided that where appropriate, all references in this Agreement to “Optionee” shall be deemed to refer to the transferee. 
  
 (ii) Following transfer, the Option shall continue to be subject to the same terms and conditions as were
applicable to the Option immediately before transfer (including terms and conditions based on the employment status of Optionee),. 
  
 (iii) Promptly upon transfer of the Option, the Optionee shall deliver written notice of the transfer to the Company’s Human
Resources Department at the Company’s West Creek office in Richmond, Virginia. That written notice shall identify the transferee and the effective date of the transfer. 
  
 (iv) If sale to the transferee of the Company Stock issuable upon exercise of the Option is not registered
under the Securities Act of 1933, as amended, the Company, in its sole discretion, may condition such sale upon such terms and requirements as it deems appropriate to comply with applicable law. 
  
 (c) Vesting of Option. Subject to the provisions of
Section 3 below, the Option shall become exercisable in three tranches of one-third of the Option Shares each on the first, second and third anniversaries of the Date of Grant. Notwithstanding the foregoing, the Option shall become fully exercisable
if a Change of Control occurs or upon Optionee’s Death, Disability or Retirement, as defined in the Plan. 
  
 (d) Method of Exercising and Payment for Shares. The Option may be exercised by: 
  
 (i) Following the procedures for the exercise of an Option
as may be established from time to time by the Company or its designated agent (the “Procedures”). The Company will notify Optionees in writing of the Procedures which will specify (1) any required notification, whether oral or written, to
the Company or its designated agent; (2) the method for cash payment of the Option Price and any additional amounts to the Company or its designated agent; (3) if an Optionee elects to substitute for all or any portion of the cash payment shares of
Company Stock that an Optionee has owned for at least six months (valued at the Fair Market Value on the exercise date), the method for delivery of such shares of Company Stock to the Company or its designated agent; (4) if the Optionee exercises by
means of a so-called “cashless exercise”, any requirements related to such cashless exercise and (5) any other requirements, including completion of any required tax or other forms, which must be completed prior to the exercise of the
Option. The Optionee may contact the Human Resources Department at the Company’s West Creek office in Richmond, Virginia to obtain a copy of the Procedures; or 
  

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 (ii) Delivering written notice of exercise to the Human Resources Department at the
Company’s West Creek office in Richmond, Virginia. Such notice shall be accompanied by payment of the Option Price in full by cash (which shall include payment by check, bank draft or money order payable to the order of the Company). Instead of
paying an Optionee may by election substitute for all or any portion of the cash payment, the delivery of shares of Company Stock that Optionee has owned for at least six months (valued at their Fair Market Value on the date of exercise) duly
endorsed for transfer, or Optionee may exercise the Option by means of a so-called “cashless exercise” pursuant to which Company Stock may be issued directly to Optionee’s designated broker/dealer upon receipt by the Company of the
Option Price in cash from such broker/dealer. 
  
 The exercise date will be, in the case of (i) above, the date upon which all of the Procedures have been completed by the Optionee, or such later date as agreed to by the Optionee and the Company or its designated agent, and in the case of
(ii) above, the date that the written notice, together with any accompanying payment, is received by the Company. 
  
 3. Termination of Employment. If Optionee’s employment with the Company or any Subsidiary terminates for any reason, Optionee shall forfeit
all rights under the Option except to the extent that Optionee is vested in the Option. Except as otherwise provided in subsections 3(a) and 3(b) below, the right of Optionee and Optionee’s successors in interest to exercise the Option shall
terminate three months after the date Optionee’s employment terminates (but no later than the expiration date of the Option period specified in subsection 2(a) above). 
  
 (a) Exercise following Death. If Optionee dies while employed by the Company or any Subsidiary or
within three months following termination of employment, and before the exercise in full or expiration of the Option, Optionee’s estate, or the person or persons to whom the rights under the Option shall have passed by will or the laws of
descent and distribution, may exercise the Option at any time within one year next following Optionee’s death (but in any event before the expiration date of the Option period specified in subsection 2(a) above) for the number of Option Shares
for which Optionee could have exercised the Option on the date of death. 
  
 (b) Exercise following Disability or Retirement. In the event of termination of Optionee’s employment by the Company or any Subsidiary by reason of Disability approved by the Company or, by reason of
Retirement before exercise in full or expiration of the Option, Optionee may exercise the Option at any time within one year next following such termination of employment (but in any event before the expiration date of the Option period specified in
subsection 2(a) above) for the number of Option Shares for which Optionee could have exercised the Option on the date of termination. 
  
 For purposes of this Section 3, it shall not be considered a termination of employment if Optionee is placed by the Company or any Subsidiary on military
or sick leave or such other type of leave of absence that the Committee in its sole discretion considers as continuing the employment relationship intact. At the time of any exercise of any Option exercised pursuant to this Section 3, the Option
Price shall be paid in full as provided in Section 2. 
  

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 Notwithstanding subsections 3(a) and 3(b) above, in no event may an Option be exercised after the
expiration date of the Option period specified in subsection 2(a) above. 
  
 4. Governing Law. This Agreement shall be governed by federal law and, to the extent not preempted thereby, by the laws of the Commonwealth of Virginia. 
  
 5. 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, the provisions of the Plan shall govern. All references herein to the Plan shall mean the Plan as in effect on the date hereof. 
  
 6. Optionee Bound by Plan. In consideration of the grant of the
Option, Optionee agrees that he will comply with such conditions as the Board of Directors and the Committee may impose on the exercise of the Option and be bound by the terms of the Plan. 
  
 7. Change in Capital Structure. In the event of changes in the capital
structure of the Company, appropriate adjustments in the number of shares for which the Option shall be exercisable, the Option Price, or both, shall be made, as provided in Section 4.4 of the Plan. 
  
 8. Tax Obligations Upon Exercise of Options. The difference, on the
date of exercise, between the fair market value of Company Stock purchased and the Option Price is compensation taxable to Optionee as ordinary income on the date of exercise and subject to applicable federal and state taxes that the Company is
obligated to withhold. Optionee is required to make arrangements suitable to the Company for the payment of all applicable withholding taxes. By a timely election, Optionee may elect to have the Company withhold upon exercise the number of shares of
Company Stock having a fair market value equal to the minimum applicable withholding taxes. 
  
 9. 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. 
  
 10. Binding Effect. This Agreement shall be binding upon, enforceable
against, and inure to the benefit of Optionee, his legatees, distributees and personal representatives, and the Company and its successors and assigns. 
  
 The Company from time to time distributes and makes available to associates a disclosure document relating to the Plan. You may also contact the HR Help
Center to obtain a copy of the Plan disclosure document and the Plan. You should carefully read the Plan disclosure document and the Plan. By accepting the benefits of this option you acknowledge receipt of the Plan, and the Plan disclosure document
and agree to be bound by the terms of this option 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:
	 	  

		
	 	 	 [signature]

	 	 	 Matthew Schuyler

	 	 	 Executive Vice President, Human Resources

  

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