Document:

Encore Bancshares 2000 Stock Incentive Plan

 Exhibit 10.1 
 Encore Bancshares, Inc. 
 2004 Amendment to 
 2000 Stock Incentive Plan 
 The Board of Directors and
Stockholders of Encore Bancshares, Inc. adopt this Amendment to the Encore Bancshares, Inc. 2000 Stock Incentive Plan (the “Amendment”) effective as of December 31, 2004. 
 1. Section V. GRANT OF OPTIONS, STOCK APPRECIATION RIGHTS, RESTRICTED STOCK AWARDS, PERFORMANCE AWARDS AND PHANTOM STOCK AWARDS; SHARES SUBJECT TO THE PLAN 
  

	 	(a)	Stock Grant and Award Limits is amended in part to read . . .”Subject to Paragraph XII, the aggregate number of shares of Stock that may be issued under the Plan shall
not exceed 1,650,000 shares.” 

 Except as specifically set forth in this Amendment, the 2000 Stock Incentive Plan is ratified and
confirmed and will remain in full force and effect in all other respects. 
 ADOPTED BY ENCORE BANCSHARES, INC. STOCKHOLDERS 
 ON DECEMBER 31, 2004 
  

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 Encore Bancshares, Inc. 
 Amendment to 
 2000 Stock Incentive Plan 
 The Board of Directors and Stockholders of Encore Bancshares, Inc. adopt this Amendment to the Encore Bancshares, Inc. 2000 Stock Incentive Plan (the
“Amendment”) effective as of April 22, 2003. 
 1. Section V. GRANT OF OPTIONS, STOCK APPRECIATION RIGHTS, RESTRICTED STOCK AWARDS,
PERFORMANCE AWARDS AND PHANTOM STOCK AWARDS; SHARES SUBJECT TO THE PLAN 
  

	 	(a)	Stock Grant and Award Limits is amended in part to read . . .”Subject to Paragraph XII, the aggregate number of shares of Stock that may be issued under the Plan shall
not exceed 1,350,000 shares.” 

 Except as specifically set forth in this Amendment, the 2000 Stock Incentive Plan is ratified and
confirmed and will remain in full force and effect in all other respects. 
 ADOPTED BY ENCORE BANCSHARES, INC. STOCKHOLDERS 
 ON APRIL 21, 2003 
  

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 ENCORE BANCSHARES, INC. 
 2000 STOCK INCENTIVE PLAN 
 I. PURPOSE 
 The purpose of the ENCORE BANCSHARES, INC. 2000 STOCK INCENTIVE PLAN (the “Plan”) is to provide a means through which ENCORE BANCSHARES,
INC., a Texas corporation (the “Company”), and its subsidiaries, may attract able persons to enter the employ of the Company and to provide a means whereby those employees upon whom the responsibilities of the successful
administration and management of the Company rest, and whose present and potential contributions to the welfare of the Company are of importance, can acquire and maintain stock ownership, thereby strengthening their concern for the welfare of the
Company and their desire to remain in its employ. A further purpose of the Plan is to provide employees, directors and other individuals with additional incentive and reward opportunities designed to enhance the profitable growth of the Company.
Accordingly, the Plan provides for granting Incentive Stock Options, Non-qualified Stock Options, Stock Appreciation Rights, Restricted Stock Awards, Performance Awards, Phantom Stock Awards, or any combination of the foregoing, as is best suited to
the circumstances of the particular Holder as provided herein. 
 II. DEFINITIONS 
 The following definitions shall be applicable throughout the Plan unless specifically modified by any paragraph: 
 (a) “Affiliates” means any “parent corporation” of the Company and any “subsidiary” of the Company within the meaning
of Code Sections 424(e) and (f), respectively. 
 (b) “Award” means, individually or collectively, any Option, Restricted
Stock Award, Phantom Stock Award, Performance Award or Stock Appreciation Right. 
 (c) “Board” means the Board of Directors
of the Company. 
 (d) “Change of Control” means the occurrence of any of the following events: (i) the Company shall
not be the surviving entity in any merger, consolidation or other reorganization (or survives only as a subsidiary of an entity other than a previously wholly-owned subsidiary of the Company), (ii) the Company’s subsidiary savings and loan
is merged or consolidated into, or otherwise acquired by, an entity other than a wholly-owned subsidiary of the Company, (iii) the Company sells, leases or exchanges all or substantially all of its assets to any other person or entity (other
than a wholly-owned subsidiary of the Company), (iv) the Company is to be dissolved and liquidated, (v) any person or entity, including a “group” as contemplated by Section 13(d)(3) of the 1934 Act, acquires or gains
ownership or control (including, without limitation, power to vote or control the voting) of more than 50% of the outstanding shares of the Company’s voting stock (based 

  

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upon voting power), or (vi) as a result of or in connection with a contested election of directors, the persons who were directors of the Company before
such election shall cease to constitute a majority of the Board. 
 (e) “Change of Control Value” shall mean (i) the
per share price offered to shareholders of the Company in any such merger, consolidation, reorganization, sale of assets or dissolution transaction, (ii) the price per share offered to shareholders of the Company in any tender offer or exchange
offer whereby a Change of Control takes place, or (iii) if such Change of Control occurs other than pursuant to a tender or exchange offer, the Fair Market Value per share of the shares into which Awards are exercisable, as determined by the
Committee, whichever is applicable. In the event that the consideration offered to shareholders of the Company consists of anything other than cash, the Committee shall determine the fair cash equivalent of the portion of the consideration offered
which is other than cash. 
 (f) “Code” means the Internal Revenue Code of 1986, as amended. Reference in the Plan to any
section of the Code shall be deemed to include any amendments or successor provisions to any section and any regulations under such section. 
 (g) “Committee” means the Compensation Committee of the Board which shall be (i) constituted so as to permit the Plan to comply with Rule 16b-3 and (ii) constituted solely of “outside directors,” within
the meaning of section 162(m) of the Code and applicable interpretive authority thereunder. 
 (h) “Company” means Encore
Bancshares, Inc. and any of its Affiliates. 
 (i) “Director” means an individual elected to the Board by the shareholders
of the Company or by the Board under applicable corporate law who is serving on the Board on the date the Plan is adopted by the Board or is elected to the Board after such date. 
 (j) An “employee” means any person (including an officer or a Director) in an employment relationship with the Company or any parent or
subsidiary corporation (as defined in section 424 of the Code). 
 (k) “1934 Act” means the Securities Exchange Act of 1934,
as amended. 
 (l) “Fair Market Value” means, as of any specified date, the mean of the high and low sales prices of the
Stock (i) reported by the interdealer quotation system on which the Stock is quoted on that date or (ii) if the Stock is listed on a national stock exchange, reported on the stock exchange composite tape on that date; or, in either case,
if no prices are reported on that date, on the last preceding date on which such prices of the Stock are so reported. If the Stock is traded over the counter at the time a determination of its fair market value is required to be made hereunder, its
fair market value shall be deemed to be equal to the average between the reported high and low or closing bid and asked prices of Stock on the most recent date on which Stock was publicly traded. In the event Stock is not publicly traded at the time
a determination of its value is required to be made hereunder, the determination of its fair market value shall be made by the Committee in such manner as it deems appropriate. 
  

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 (m) “Holder” means an employee, director or other individual who has been granted an
Award. 
 (n) “Incentive Stock Option” means an incentive stock option within the meaning of section 422(b) of the Code,
commonly known as “qualified” stock options. 
 (o) “Nonqualified Stock Option” means an option granted under
Paragraph VII of the Plan to purchase Stock which does not constitute an Incentive Stock Option. 
 (p) “Option” means an
Award granted under Paragraph VII of the Plan and includes both Incentive Stock Options to purchase Stock and Nonqualified Stock Options to purchase Stock. 
 (q) “Option Agreement” means a written agreement between the Company and a Holder with respect to an Option. 
 (r) “Performance Award” means an Award granted under Paragraph X of the Plan. 
 (s)
“Performance Award Agreement” means a written agreement between the Company and a Holder with respect to a Performance Award. 
 (t) “Phantom Stock Award” means an Award granted under Paragraph XI of the Plan. 
 (u) “Phantom Stock
Award Agreement” means a written agreement between the Company and a Holder with respect to a Phantom Stock Award. 
 (v)
“Plan” means the Encore Bancshares, Inc. 2000 Stock Incentive Plan, as amended from time to time. 
 (w) “Restricted
Stock Agreement” means a written agreement between the Company and a Holder with respect to a Restricted Stock Award. 
 (x)
“Restricted Stock Award” means an Award granted under Paragraph IX of the Plan. 
 (y) “Rule 16b-3”
means SEC Rule 16b-3 promulgated under the 1934 Act, as such may be amended from time to time, and any successor rule, regulation or statute fulfilling the same or a similar function. 
 (z) “Spread” means, in the case of a Stock Appreciation Right, an amount equal to the excess, if any, of the Fair Market Value of a
share of Stock on the date such right is exercised over the exercise price of such Stock Appreciation Right. 
 (aa) “Stock”
means the common stock, $1.00 par value, of the Company. 
  

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 (bb) “Stock Appreciation Right” means an Award granted under Paragraph VIII of the
Plan. 
 (cc) “Stock Appreciation Rights Agreement” means a written agreement between the Company and a Holder with respect
to an Award of Stock Appreciation Rights. 
 III. EFFECTIVE DATE AND DURATION OF THE PLAN 
 The Plan shall be effective upon the date of its adoption by the Board, provided that the Plan is approved by the shareholders of the Company within
twelve months thereafter. No further Awards may be granted under the Plan after the expiration of ten years from the date of its adoption by the Board. The Plan shall remain in effect until all Awards granted under the Plan have been satisfied or
expired. 
 IV. ADMINISTRATION 
 (a) Committee. The Plan shall be administered by the Committee. 
 (b) Powers. Subject to the provisions of the Plan,
the Committee shall have sole authority, in its discretion, to recommend to the Board of Directors of the Company which employees, directors or other individuals shall receive an Award, the time or times when such Award shall be made, whether an
Incentive Stock Option, Nonqualified Option or Stock Appreciation Right shall be granted, the number of shares of Stock which may be issued under each Option, Stock Appreciation Right or Restricted Stock Award, and the value of each Performance
Award and Phantom Stock Award. In making such recommendations the Committee may take into account the nature of the services rendered by the respective employees, directors or other individuals, their present and potential contributions to the
Company’s success and such other factors as the Committee in its discretion shall deem relevant. All final decisions regarding the granting of Awards shall be made by the Board of Directors of the Company. 
 (c) Additional Powers. The Committee shall have such additional powers as are delegated to it by the other provisions of the Plan. Subject to the
express provisions of the Plan, the Committee is authorized to construe the Plan and the respective agreements executed thereunder, to prescribe such rules and regulations relating to the Plan as it may deem advisable to carry out the Plan, and to
determine the terms, restrictions and provisions of each Award, including such terms, restrictions and provisions as shall be requisite in the judgment of the Committee to cause designated Options to qualify as Incentive Stock Options, and to make
all other determinations necessary or advisable for administering the Plan. The Committee may correct any defect or supply any omission or reconcile any inconsistency in any agreement relating to an Award in the manner and to the extent it shall
deem expedient to carry it into effect. All final determinations on the matters referred to in this Article IV shall be made by the Board of Directors of the Company. 
  

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 V. GRANT OF OPTIONS, STOCK APPRECIATION RIGHTS, 
 RESTRICTED STOCK AWARDS, PERFORMANCE AWARDS 
 AND PHANTOM STOCK AWARDS; SHARES SUBJECT TO THE PLAN 
 (a) Stock Grant and Award Limits. The Committee may from time
to time grant Awards to one or more employees, directors or other individuals determined by it to be eligible for participation in the Plan in accordance with the provisions of Paragraph VI. Subject to Paragraph XII, the aggregate number
of shares of Stock that may be issued under the Plan shall not exceed 900,000 shares. Shares of Stock shall be deemed to have been issued under the Plan only to the extent actually issued and delivered pursuant to an Award. To the extent that an
Award lapses or the rights of its Holder terminate or the Award is paid in cash, any shares of Stock subject to such Award shall again be available for the grant of an Award. To the extent that an Award lapses or the rights of its Holder terminate,
any shares of Stock subject to such Award shall again be available for the grant of an Award. Separate stock certificates shall be issued by the Company for those shares acquired pursuant the exercise of an Incentive Stock Option and for those
shares acquired pursuant to the exercise of a Nonqualified Stock Option. 
 (b) Stock Offered. The stock to be offered pursuant to the
grant of an Award may be authorized but unissued Stock or Stock previously issued and outstanding and reacquired by the Company. 
 VI.
ELIGIBILITY 
 Awards may be granted to employees of the Company, directors of the Company or other individuals whose contributions to
the welfare of the Company are of importance. An Award may be granted on more than one occasion to the same person, and, subject to the limitations set forth in the Plan, such Award may include an Incentive Stock Option or a Nonqualified Stock
Option, a Stock Appreciation Right, a Restricted Stock Award, a Performance Award, a Phantom Stock Award or any combination thereof. 
 VII. STOCK OPTIONS 
 (a) Option Period. The term of each Option shall be as specified by the Committee at the date of
grant. 
 (b) Limitations on Exercise of Option. An Option shall be exercisable in whole or in such installments and at such times as
determined by the Committee. 
 (c) Special Limitations on Incentive Stock Options. To the extent that the aggregate Fair Market Value
(determined at the time the respective Incentive Stock Option is granted) of Stock with respect to which Incentive Stock Options are exercisable for the first time by an individual during any calendar year under all incentive stock option plans of
the Company and its parent and subsidiary corporations exceeds $100,000, such Incentive Stock Options shall be treated as Nonqualified Stock Options as determined by the Committee. The Committee shall determine, in accordance with applicable
provisions of the Code, Treasury Regulations and other administrative pronouncements, 

  

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which of an optionee’s Incentive Stock Options will not constitute Incentive Stock Options because of such limitation and shall notify the optionee of
such determination as soon as practicable after such determination. No Incentive Stock Option shall be granted to an individual if, at the time the Option is granted, such individual owns stock possessing more than 10% of the total combined voting
power of all classes of stock of the Company or of its parent or subsidiary corporation, within the meaning of section 422(b)(6) of the Code, unless (i) at the time such Option is granted the option price is at least 110% of the Fair
Market Value of the Stock subject to the Option and (ii) such Option by its terms is not exercisable after the expiration of five years from the date of grant. 
 (d) Option Agreement. Each Option shall be evidenced by an Option Agreement in such form and containing such provisions not inconsistent with the provisions of the Plan as the Committee from time to time shall
approve, including, without limitation, provisions to qualify an Incentive Stock Option under section 422 of the Code. An Option Agreement may provide for the payment of the option price, in whole or in part, by the delivery of a number of
shares of Stock (plus cash if necessary) having a Fair Market Value equal to such option price. Each Option Agreement shall provide that the Option may not be exercised earlier than six months from the date of grant and shall specify the effect of
termination of employment on the exercisability of the Option. Moreover, an Option Agreement may provide for a “cashless exercise” of the Option by establishing procedures whereby the Holder, by a properly-executed written notice, directs
(i) an immediate market sale or margin loan respecting all or a part of the shares of Stock to which he is entitled upon exercise pursuant to an extension of credit by the Company to the Holder of the option price, (ii) the delivery of the
shares of Stock from the Company directly to a brokerage firm and (iii) the delivery of the option price from the sale or margin loan proceeds from the brokerage firm directly to the Company. Such Option Agreement may also include, without
limitation, provisions relating to (i) vesting of Options, subject to the provisions hereof accelerating such vesting on a Change of Control, (ii) tax matters (including provisions (y) permitting the delivery of additional shares of
Stock or the withholding of shares of Stock from those acquired upon exercise to satisfy federal or state income tax withholding requirements and (z) dealing with any other applicable employee wage withholding requirements), and (iii) any
other matters not inconsistent with the terms and provisions of this Plan that the Committee shall in its sole discretion determine. The terms and conditions of the respective Option Agreements need not be identical. 
 (e) Option Price and Payment. The price at which a share of Stock may be purchased upon exercise of an Option shall be determined by the
Committee, but (i) such purchase price shall not be less than the Fair Market Value of Stock subject to an Incentive Stock Option on the date the Incentive Stock Option is granted and (ii) such purchase price shall be subject to adjustment
as provided in Paragraph XII. The Option or portion thereof may be exercised by delivery of an irrevocable notice of exercise to the Company. The purchase price of the Option or portion thereof shall be paid in full in the manner prescribed by
the Committee. 
 (f) Shareholder Rights and Privileges. The Holder shall be entitled to all the privileges and rights of a
shareholder only with respect to such shares of Stock as have been purchased under the Option and for which certificates of stock have been registered in the Holder’s name. 
  

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 (g) Options and Rights in Substitution for Stock Options Granted by Other Corporations. Options
and Stock Appreciation Rights may be granted under the Plan from time to time in substitution for stock options held by individuals employed by corporations who become employees as a result of a merger or consolidation of the employing corporation
with the Company or any subsidiary, or the acquisition by the Company or a subsidiary of the assets of the employing corporation, or the acquisition by the Company or a subsidiary of stock of the employing corporation with the result that such
employing corporation becomes a subsidiary. 
 VIII. STOCK APPRECIATION RIGHTS 
 (a) Stock Appreciation Rights. A Stock Appreciation Right is the right to receive an amount equal to the Spread with respect to a share of Stock
upon the exercise of such Stock Appreciation Right. Stock Appreciation Rights may be granted in connection with the grant of an Option, in which case the Option Agreement will provide that exercise of Stock Appreciation Rights will result in the
surrender of the right to purchase the shares under the Option as to which the Stock Appreciation Rights were exercised. Alternatively, Stock Appreciation Rights may be granted independently of Options in which case each Award of Stock Appreciation
Rights shall be evidenced by a Stock Appreciation Rights Agreement which shall contain such terms and conditions as may be approved by the Committee. The Spread with respect to a Stock Appreciation Right may be payable either in cash, shares of
Stock with a Fair Market Value equal to the Spread or in a combination of cash and shares of Stock. With respect to Stock Appreciation Rights that are subject to Section 16 of the 1934 Act, however, the Committee shall, except as provided in
Paragraph XII(c), retain sole discretion (i) to determine the form in which payment of the Stock Appreciation Right will be made (i.e., cash, securities or any combination thereof) or (ii) to approve an election by a Holder to
receive cash in full or partial settlement of Stock Appreciation Rights. Each Stock Appreciation Rights Agreement shall provide that the Stock Appreciation Rights may not be exercised earlier than six months from the date of grant and shall specify
the effect of termination of employment on the exercisability of the Stock Appreciation Rights. 
 (b) Other Terms and Conditions. At
the time of such Award, the Committee, may in its sole discretion, prescribe additional terms, conditions or restrictions relating to Stock Appreciation Rights, including, but not limited to rules pertaining to termination of employment (by
retirement, disability, death or otherwise) of a Holder prior to the expiration of such Stock Appreciation Rights. Such additional terms, conditions or restrictions shall be set forth in the Stock Appreciation Rights Agreement made in conjunction
with the Award. Such Stock Appreciation Rights Agreements may also include, without limitation, provisions relating to (i) vesting of Awards, subject to the provisions hereof accelerating vesting on a Change of Control,(ii) tax matters
(including provisions covering applicable wage withholding requirements), and (iii) any other matters not inconsistent with the terms and provisions of this Plan, that the Committee shall in its sole discretion determine. The terms and
conditions of the respective Stock Appreciation Rights Agreements need not be identical. 
 (c) Exercise Price. The exercise price of
each Stock Appreciation Right shall be determined by the Committee, but such exercise price (i) shall not be less than the Fair Market Value of a share of Stock on the date the Stock Appreciation Right is granted (or such greater exercise price
as may be required if such Stock Appreciation Right is granted in connection with an Incentive Stock 

  

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Option that must have an exercise price equal to 110% of the Fair Market Value of the Stock on the date of grant pursuant to Paragraph VII(c)), and
(ii) shall be subject to adjustment as provided in Paragraph XII. 
 (d) Exercise Period. The term of each Stock
Appreciation Right shall be as specified by the Committee at the date of grant. 
 (e) Limitations on Exercise of Stock Appreciation
Right. A Stock Appreciation Right shall be exercisable in whole or in such installments and at such times as determined by the Committee. 
 IX. RESTRICTED STOCK AWARDS 
 (a) Forfeiture Restrictions to be Established by the Committee. Shares of Stock that
are the subject of a Restricted Stock Award shall be subject to restrictions on disposition by the Holder and an obligation of the Holder to forfeit and surrender the shares to the Company under certain circumstances (the “Forfeiture
Restrictions”). The Forfeiture Restrictions shall be determined by the Committee in its sole discretion, and the Committee may provide that the Forfeiture Restrictions shall lapse upon (i) the attainment of targets established by the
Committee that are based on (1) the price of a share of Stock, (2) the Company’s earnings per share, (3) the Company’s revenue, (4) the revenue of a business unit of the Company designated by the Committee, (5) the
return on shareholders’ equity achieved by the Company, or (6) the Company’s pre-tax cash flow from operations, (ii) the Holder’s continued employment with the Company for a specified period of time, or (iii) a
combination of any two or more of the factors listed in clauses (i) and (ii) of this sentence. Each Restricted Stock Award may have different Forfeiture Restrictions, in the discretion of the Committee. The Forfeiture Restrictions
applicable to a particular Restricted Stock Award shall not be changed except as permitted by Paragraph IX(b) or Paragraph XII. 
 (b) Other Terms and Conditions. Stock awarded pursuant to a Restricted Stock Award shall be represented by a stock certificate registered in the name of the Holder of such Restricted Stock Award. The Holder shall have the right to
receive dividends with respect to Stock subject to a Restricted Stock Award, to vote Stock subject thereto and to enjoy all other shareholder rights, except that (i) the Holder shall not be entitled to delivery of the stock certificate until
the Forfeiture Restrictions shall have expired, (ii) the Company shall retain custody of the Stock until the Forfeiture Restrictions shall have expired, (iii) the Holder may not sell, transfer, pledge, exchange, hypothecate or otherwise
dispose of the Stock until the Forfeiture Restrictions shall have expired, and (iv) a breach of the terms and conditions established by the Committee pursuant to the Restricted Stock Agreement, shall cause a forfeiture of the Restricted Stock
Award. At the time of such Award, the Committee may, in its sole discretion, prescribe additional terms, conditions or restrictions relating to Restricted Stock Awards, including, but not limited to, rules pertaining to the termination of employment
(by retirement, disability, death or otherwise) of a Holder prior to expiration of the Forfeiture Restrictions. Such additional terms, conditions or restrictions shall be set forth in a Restricted Stock Agreement made in conjunction with the Award.
Such Restricted Stock Agreement may also include, without limitation, provisions relating to (i) subject to the provisions hereof accelerating vesting on a Change of Control, vesting of Awards, (ii) tax matters (including provisions

  

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(y) covering any applicable employee wage withholding requirements and (z) prohibiting an election by the Holder under section 83(b) of the
Code), and (iii) any other matters not inconsistent with the terms and provisions of this Plan that the Committee shall in its sole discretion determine. The terms and conditions of the respective Restricted Stock Agreements need not be
identical. 
 (c) Payment for Restricted Stock. The Committee shall determine the amount and form of any payment for Stock received
pursuant to a Restricted Stock Award, provided that in the absence of such a determination, a Holder shall not be required to make any payment for Stock received pursuant to a Restricted Stock Award, except to the extent otherwise required by law.

 (d) Agreements. At the time any Award is made under this Paragraph IX, the Company and the Holder shall enter into a
Restricted Stock Agreement setting forth each of the matters as the Committee may determine to be appropriate. The terms and provisions of the respective Restricted Stock Agreements need not be identical. 
 X. PERFORMANCE AWARDS 
 (a)
Performance Period. The Committee shall establish, with respect to and at the time of each Performance Award, a performance period over which the performance of the Holder shall be measured. 
 (b) Performance Awards. Each Performance Award shall have a maximum value established by the Committee at the time of such Award. 
 (c) Performance Measures. A Performance Award shall be awarded to an employee, director or other individual contingent upon future performance of
the employee, director or other individual, the Company or any subsidiary, division or department thereof by or in which is he employed during the performance period. The Committee shall establish the performance measures applicable to such
performance prior to the beginning of the performance period but subject to such later revisions as the Committee shall deem appropriate to reflect significant, unforeseen events or changes. 
 (d) Awards Criteria. In determining the value of Performance Awards, the Committee shall take into account a Holder’s responsibility level,
contributions, performance, potential, other Awards and such other considerations as it deems appropriate. 
 (e) Payment. Following
the end of the performance period, the Holder of a Performance Award shall be entitled to receive payment of an amount, not exceeding the maximum value of the Performance Award, based on the achievement of the performance measures for such
performance period, as determined by the Committee. Payment of a Performance Award may be made in cash, Stock or a combination thereof, as determined by the Committee. Payment shall be made in a lump sum or in installments as prescribed by the
Committee. Any payment to be made in Stock shall be based on the Fair Market Value of the Stock on the payment date. If a payment of cash is to be made on a deferred basis, the Committee shall establish whether interest shall be credited, the rate
thereof and any other terms and conditions applicable thereto. 
  

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 (f) Termination of Employment. A Performance Award shall terminate if the Holder does not remain
continuously in the employ of the Company at all times during the applicable performance period, except as may be determined by the Committee or as may otherwise be provided in the Award at the time granted. 
 (g) Agreements. At the time any Award is made under this Paragraph X, the Company and the Holder shall enter into a Performance Award
Agreement setting forth each of the matters contemplated hereby, and, in addition such matters as are set forth in Paragraph IX(b) as the Committee may determine to be appropriate. The terms and provisions of the respective agreements need not
be identical. 
 XI. PHANTOM STOCK AWARDS 
 (a) Phantom Stock Awards. Phantom Stock Awards are rights to receive shares of Stock (or cash in an amount equal to the Fair Market Value thereof), or rights to receive an amount equal to any appreciation in
the Fair Market Value of Stock (or portion thereof) over a specified period of time, which vest over a period of time or upon the occurrence of an event (including without limitation a Change of Control) as established by the Committee, without
payment of any amounts by the Holder thereof (except to the extent otherwise required by law) or satisfaction of any performance criteria or objectives. Each Phantom Stock Award shall have a maximum value established by the Committee at the time of
such Award. 
 (b) Award Period. The Committee shall establish, with respect to and at the time of each Phantom Stock Award, a period
over which or the event upon which the Award shall vest with respect to the Holder. 
 (c) Awards Criteria. In determining the value
of Phantom Stock Awards, the Committee shall take into account a Holder’s responsibility level, contributions, performance, potential, other Awards and such other considerations as it deems appropriate. 
 (d) Payment. Following the end of the vesting period for a Phantom Stock Award, the Holder of a Phantom Stock Award shall be entitled to receive
payment of an amount, not exceeding the maximum value of the Phantom Stock Award, based on the then vested value of the Award. Payment of a Phantom Stock Award may be made in cash, Stock or a combination thereof as determine by the Committee.
Payment shall be made in a lump sum or in installments as prescribed by the Committee in its sole discretion. Any payment to be made in Stock shall be based on the Fair Market Value of the Stock on the payment date. Cash dividend equivalents may be
paid during or after the vesting period with respect to a Phantom Stock Award, as determined by the Committee. If a payment of cash is to be made on a deferred basis, the Committee shall establish whether interest shall be credited, the rate thereof
and any other terms and conditions applicable thereto. 
 (e) Termination of Employment. A Phantom Stock Award shall terminate if the
Holder does not remain continuously in the employ of the Company at all times during the applicable vesting period, except as may be otherwise determined by the Committee or as set forth in the Award at the time of grant. 
  

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 (f) Agreements. At the time any Award is made under this Paragraph XI, the Company and the
Holder shall enter into a Phantom Stock Award Agreement setting forth each of the matters contemplated hereby and, in addition such matters as are set forth in Paragraph IX(b) as the Committee may determine to be appropriate. The terms and
provisions of the respective agreements need not be identical. 
 XII. RECAPITALIZATION OR REORGANIZATION 
 (a) The shares with respect to which Awards may be granted are shares of Stock as presently constituted, but if, and whenever, prior to the expiration of
an Award theretofore granted, the Company shall effect a subdivision or consolidation by the Company, the number of shares of Stock with respect to which such Award may thereafter be exercised or satisfied, as applicable, (i) in the event of an
increase in the number of outstanding shares shall be proportionately increased, and the purchase price per share shall be proportionately reduced, and (ii) in the event of a reduction in the number of outstanding shares shall be
proportionately reduced, and the purchase price per share shall be proportionately increased. 
 (b) If the Company recapitalizes or
otherwise changes its capital structure, thereafter upon any exercise or satisfaction, as applicable, of an Award theretofore granted the Holder shall be entitled to (or entitled to purchase, if applicable) under such Award, in lieu of the number of
shares of Stock then covered by such Award, the number and class of shares of stock and securities to which the Holder would have been entitled pursuant to the terms of the recapitalization if, immediately prior to such recapitalization, the Holder
had been the holder of record of the number of shares of Stock then covered by such Award. 
 (c) In the event of a Change of Control, all
outstanding Awards shall immediately vest and become exercisable or satisfiable, as applicable. The Committee, in its discretion, may determine that upon the occurrence of a Change of Control, each Award other than an Option outstanding hereunder
shall terminate within a specified number of days after notice to the Holder, and such Holder shall receive, with respect to each share of Stock subject to such Award, cash in an amount equal to the excess, if any, of the Change of Control Value.
Further, in the event of a Change of Control, the Committee, in its discretion shall act to effect one or more of the following alternatives with respect to outstanding Options, which may vary among individual Holders and which may vary among
Options held by any individual Holder: (1) determine a limited period of time on or before a specified date (before or after such Change of Control) after which specified date all unexercised Options and all rights of Holders thereunder shall
terminate, (2) require the mandatory surrender to the Company by selected Holders of some or all of the outstanding Options held by such Holders (irrespective of whether such Options are then exercisable under the provisions of the Plan) as of
a date, before or after such Change of Control, specified by the Committee, in which event the Committee shall thereupon cancel such Options and the Company shall pay to each Holder an amount of cash per share equal to the excess, if any, of the
Change of Control Value of the shares subject to such Option over the exercise price(s) under such Options for such shares, (3) make 

  

 -13- 

 
such adjustments to Options then outstanding as the Committee deems appropriate to reflect such Change of Control (provided, however, that the Committee may
determine in its sole discretion that no adjustment is necessary to Options then outstanding) or (4) provide that thereafter upon any exercise of an Option theretofore granted the Holder shall be entitled to purchase under such Option, in lieu
of the number of shares of Stock then covered by such Option the number and class of shares of stock or other securities or property (including, without limitation, cash) to which the Holder would have been entitled pursuant to the terms of the
agreement of merger, consolidation or sale of assets and dissolution if, immediately prior to such merger, consolidation or sale of assets and dissolution the Holder has been the holder of record of the number of shares of Stock then covered by such
Option. The provisions contained in this paragraph shall be inapplicable to an Award granted within six (6) months before the occurrence of a Change of Control if the Holder of such Award is subject to the reporting requirements of
Section 16(a) of the 1934 Act. The provisions contained in this paragraph shall not terminate any rights of the Holder to further payments pursuant to any other agreement with the Company following a Change of Control. 
 (d) In the event of changes in the outstanding Stock by reason of recapitalization, reorganizations, mergers, consolidations, combinations, exchanges or
other relevant changes in capitalization occurring after the date of the grant of any Award and not otherwise provided for by this Paragraph XII, any outstanding Awards and any agreements evidencing such Awards shall be subject to adjustment by
the Committee at its discretion as to the number and price of shares of Stock or other consideration subject to such Awards. In the event of any such change in the outstanding Stock, the aggregate number of shares available under the Plan may be
appropriately adjusted by the Committee, whose determination shall be conclusive. 
 (e) The existence of the Plan and the Awards granted
hereunder shall not affect in any way the right or power of the Board or the shareholders of the Company to make or authorize any adjustment, recapitalization, reorganization or other change in the Company’s capital structure or its business,
any merger or consolidation of the Company, any issue of debt or equity securities ahead of or affecting Stock or the rights thereof, the dissolution or liquidation of the Company or any sale, lease, exchange or other disposition of all or any part
of its assets or business or any other corporate act or proceeding. 
 (f) Any adjustment provided for in Subparagraphs (a), (b),
(c) or (d) above shall be subject to any required shareholder action. 
 (g) Except as hereinbefore expressly provided, the
issuance by the Company of shares of stock of any class or securities convertible into shares of stock of any class, for cash, property, labor or services, upon direct sale, upon the exercise of rights or warrants to subscribe therefor, or upon
conversion of shares of obligations of the Company convertible into such shares or other securities, and in any case whether or not for fair value, shall not affect, and no adjustment by reason thereof shall be made with respect to, the number of
shares of Stock subject to Awards theretofore granted or the purchase price per share, if applicable. 
  

 -14- 

 XIII. AMENDMENT AND TERMINATION OF THE PLAN 
 The Board in its discretion may terminate the Plan at any time with respect to any shares for which Awards have not theretofore been granted. The Board
shall have the right to alter or amend the Plan or any part thereof from time to time; provided that no change in any Award theretofore granted may be made which would impair the rights of the Holder without the consent of the Holder (unless such
change is required in order to cause the benefits under the Plan to qualify as performance-based compensation within the meaning of section 162(m) of the Code and applicable interpretive authority thereunder), and provided, further, that the
Board may not, without approval of the shareholders, amend the Plan: 
 (a) to increase the maximum number of shares which may be issued on
exercise or surrender of an Award, except as provided in Paragraph XII; 
 (b) to change the Option price; 
 (c) to change the employees, directors or other individuals eligible to receive Awards or materially increase the benefits accruing to employees under
the Plan; 
 (d) to extend the maximum period during which Awards may be granted under the Plan; 
 (e) to modify materially the requirements as to eligibility for participation in the Plan; or 
 (f) to decrease any authority granted to the Committee hereunder in contravention of Rule 16b-3. 
 XIV. MISCELLANEOUS 
 (a) No Right
to An Award. Neither the adoption of the Plan by the Company nor any action of the Board or the Committee shall be deemed to give an employee, director or any other individual any right to be granted an Award to purchase Stock, a right to a
Stock Appreciation Right, a Restricted Stock Award, a Performance Award or a Phantom Stock Award or any of the rights hereunder except as may be evidenced by an Award or by an Option Agreement, Stock Appreciation Rights Agreement, Restricted Stock
Agreement, Performance Award Agreement or Phantom Stock Award Agreement on behalf of the Company, and then only to the extent and on the terms and conditions expressly set forth therein. The Plan shall be unfunded. The Company shall not be required
to establish any special or separate fund or to make any other segregation of funds or assets to assure the payment of any Award. 
 (b)
No Employment Rights Conferred. Nothing contained in the Plan shall (i) confer upon any employee, director or any other individual any right with respect to continuation of employment with the Company or any subsidiary or
(ii) interfere in any way with the right of the Company or any subsidiary to terminate his or her employment at any time. 
  

 -15- 

 (c) Other Laws; Withholding. The Company shall not be obligated to issue any Stock pursuant to any
Award granted under the Plan at any time when the shares covered by such Award have not been registered under the Securities Act of 1933, as amended, and such other state and federal laws, rules or regulations as the Company or the Committee deems
applicable and, in the opinion of legal counsel for the Company, there is no exemption from the registration requirements of such laws, rules or regulations available for the issuance and sale of such shares. No fractional shares of Stock shall be
delivered, nor shall any cash in lieu of fractional shares be paid. The Company shall have the right to deduct in connection with all Awards any taxes required by law to be withheld and to require any payments required to enable it to satisfy its
withholding obligations. 
 (d) No Restriction on Corporate Action. Nothing contained in the Plan shall be construed to prevent the
Company or any subsidiary from taking any corporate action which is deemed by the Company or such subsidiary to be appropriate or in its best interest, whether or not such action would have an adverse effect on the Plan or any Award made under the
Plan. No employee, director, beneficiary or other person shall have any claim against the Company or any subsidiary as a result of any such action. 
 (e) Restrictions on Transfer. An Award shall not be transferable otherwise than by will or the laws of descent and distribution or pursuant to a “qualified domestic relations order” as defined by the Code or Title I of
the Employee Retirement Income Security Act of 1974, as amended, or the rules thereunder, and shall be exercisable during the Holder’s lifetime only by such Holder or the Holder’s guardian or legal representative. 
 (f) Rule 16b-3. It is intended that the Plan and any grant of an Award made to a person subject to Section 16 of the 1934 Act meet all of the
requirements of Rule 16b-3. If any provision of the Plan or any such Award would disqualify the Plan or such Award under, or would otherwise not comply with, Rule 16b-3, such provision or Award shall be construed or deemed amended to
conform to Rule 16b-3. 
 (g) Section 162(m). If the Plan is subject to 162(m) of the Code, it is intended that the Plan
comply fully with and meet all the requirements of Section 162(m) of the Code so that Options and Stock Appreciation Rights granted hereunder and, if determined by the Committee, Restricted Stock Awards, shall constitute
“performance-based” compensation within the meaning of such section. If any provision of the Plan would disqualify the Plan or would not otherwise permit the Plan to comply with Section 162(m) as so intended, such provision shall be
construed or deemed amended to conform to the requirements or provisions of Section 162(m); provided that no such construction or amendment shall have an adverse effect on the economic value to a Holder of any Award previously granted
hereunder. 
 (h) Governing Law. This Plan shall be construed in accordance with the laws of the State of Texas. 
  

 -16-Form of Encore Stock Option Terms and Conditions and Corresponding notice.

 Exhibit 10.2 
 ENCORE BANCSHARES, INC. 
 STOCK OPTION TERMS AND CONDITIONS 
 Section 1. General. Encore Bancshares, Inc. (the “Company”) has heretofore adopted the Encore Bancshares, Inc. 2000 Stock Incentive
Plan (the “Plan”). The Company, acting through the Committee (as defined in the Plan), has determined that its interests will be advanced by the issuance to Optionee of an Option under the Plan. Subject to the terms and conditions
contained herein (“Terms and Conditions”) and the terms and conditions of the Plan, the Company irrevocably grants to Optionee the right and option (“Option”) to purchase from the Company the number of shares of the
Company’s common stock, $1.00 par value (“Stock”), set forth in the attached Notice of Stock Option Grant (“Notice”). To the extent set forth in the Notice, a portion of Optionee’s right to purchase Stock has been
granted pursuant to an Incentive Stock Option (as defined in the Plan), and a portion of Optionee’s right to purchase Stock has been granted pursuant to a Nonqualified Stock Option (as defined in the Plan) which does not constitute an Incentive
Stock Option. The Incentive Stock Option and the Nonqualified Stock Option granted to Optionee are sometimes referred to herein as the “Options.” Unless otherwise provided herein, any provision herein referring to an Option applies
separately to each Option covered by the Notice (whether the Notice covers Incentive Stock Options or Nonqualified Stock Options). Unless otherwise provided herein, capitalized terms used herein shall have the meanings ascribed to them in the Plan
and the Notice. 
 Section 2. Exercise Price. The exercise price per share of Stock subject to the Options is set forth in the
Notice and, in the case of any Incentive Stock Options, is not less than the Fair Market Value of the Stock at the Date of Grant. 
 Section 3. Option Period. Subject to Section 5, the Options herein granted may be exercised by Optionee in whole or in part at any time during the Term of the Option set forth in the Notice (the “Option Period”)
beginning on the Date of Grant, to the extent the Option is vested and exercisable as set forth in the Notice; provided, however, that no portion of an Option may be exercised prior to the date which is six months after the Date of Grant.
Notwithstanding anything herein or in the Notice to the contrary, the Committee, in its sole discretion, may waive the schedule of vesting set forth in the Notice and upon written notice to Optionee, accelerate the earliest date or dates on which
any of the Options granted hereunder are exercisable. 
 Section 4. Procedure for Exercise. An Option herein granted may be
exercised by the delivery by Optionee of written notice to the Secretary of the Company setting forth the number of shares of Stock with respect to which the Option is being exercised. The notice shall be accompanied by, at the election of Optionee,
(i) cash, cashier’s check, bank draft, or postal or express money order payable to the order of the Company, (ii) certificates representing shares of Stock theretofore owned by Optionee for at least six (6) months prior to the
date of exercise, duly endorsed for transfer to the Company, or (iii) any combination of the preceding, equal in value to the aggregate exercise price. Notice may also be delivered by telecopy provided that the exercise price of such shares is
received by the Company via wire transfer on the same day the telecopy transmission is received by the Company. The notice shall specify the address to which the certificates for such shares are to be mailed. An Option shall be deemed to have been
exercised immediately prior to the 

 
close of business on the date (i) written notice of such exercise and (ii) payment in full of the exercise price for the number of shares of Stock
for which Options are being exercised, are both received by the Company and Optionee shall be treated for all purposes as the record holder of such shares of Stock as of such date. 
 As promptly as practicable after receipt of such written notice and payment, the Company shall deliver to Optionee certificates for the number of shares
of Stock with respect to which an Option has been so exercised, issued in Optionee’s name or such other name as Optionee directs; provided, however, that such delivery shall be deemed effected for all purposes when a stock transfer agent of the
Company shall have deposited such certificates in the United States mail, addressed to Optionee at the address specified pursuant to this Section 4. 
 Section 5. Termination of Employment. If, for any reason other than death, disability or Retirement (as defined below), Optionee ceases to be employed by the Company or its Affiliates or ceases to serve as
a director or consultant, the Options may be exercised (to the extent the Options are vested at the date of termination of employment or cessation of serving as a director or consultant) during a three (3) month period after such date, after
which time the Options shall expire, but in no event may the Options be exercised after the expiration of the Option Period; provided, however, that if Optionee’s employment or service as a director or consultant is terminated because of
Optionee’s theft or embezzlement from the Company, disclosure of trade secrets of the Company or the commission of a willful, felonious act while in the employment of the Company or while in service as a director (such reasons shall hereinafter
be collectively referred to as “for cause”), then the Options or unexercised portion thereof shall expire upon such termination of employment or cessation of serving as a director or consultant. 
 If, by reason of death, disability or Retirement (as defined below), Optionee ceases to be employed by the Company or its Affiliates or ceases to serve
as a director or consultant, the Options shall immediately become fully exercisable and may be exercised at any time and from time to time, within a five (5) year period after such Retirement, death or determination of disability, by Optionee,
the guardian of Optionee’s estate, the executor or administrator of Optionee’s estate or by the person or persons to whom Optionee’s rights under the Options shall pass by will or the laws of descent and distribution, but in no event
may the Options be exercised after such period or after the expiration of the Option Period. “Retirement” means the Optionee’s voluntary retirement from employment or service after having attained (i) age 55 with at least three
(3) years of service, or (ii) age 65. Optionee shall be deemed to be disabled if, in the opinion of a physician selected by the Committee, Optionee is incapable of performing services for the Company of the kind Optionee was performing at
the time the disability occurred by reason of any medically determinable physical or mental impairment which can be expected to result in death or to be of long, continued and indefinite duration. The date of determination of disability for purposes
hereof shall be the date of such determination by such physician. 
  

 -2- 

 Section 6. Transferability. The Options shall not be transferable by Optionee otherwise than
by Optionee’s will or by the laws of descent and distribution. During the lifetime of Optionee, the Options shall be exercisable only by Optionee or his authorized legal representative. Any heir or legatee of Optionee shall take rights herein
granted subject to the terms and conditions hereof. No such transfer of the Options to heirs or legatees of Optionee shall be effective to bind the Company unless the Company shall have been furnished with written notice thereof and a copy of such
evidence as the Committee may deem necessary to establish the validity of the transfer and the acceptance by the transferee or transferees of the terms and conditions hereof. 
 Section 7. No Rights as Shareholder. Optionee shall have no rights as a shareholder with respect to any shares of Stock covered by the
Options until the Options are exercised by written notice and accompanied by payment as provided in Section 4 hereof. 
 Section 8.
Extraordinary Corporate Transactions. The existence of outstanding Options shall not affect in any way the right or power of the Company or its shareholders to make or authorize any or all adjustments, recapitalizations, reorganizations or
other changes in the Company’s capital structure or its business, or any merger or consolidation of the Company, or any issuance of debt or equity securities ahead of or affecting the Stock or the rights thereof, or the dissolution or
liquidation of the Company, or any sale, lease, exchange or other disposition of all or any part of its assets or business, or any other corporate act or proceedings, whether of a similar character or otherwise. If, and whenever, prior to the
expiration of an Option, the Company shall effect a subdivision or consolidation by the Company, the number of shares of Stock with respect to which such Option may thereafter be exercised or satisfied, as applicable, (i) in the event of an
increase in the number of outstanding shares shall be proportionately increased, and the exercise price per share shall be proportionately reduced, and (ii) in the event of a reduction in the number of outstanding shares shall be
proportionately reduced, and the exercise price per share shall be proportionately increased. 
 If the Company recapitalizes or otherwise
changes its capital structure, thereafter upon any exercise of an Option, Optionee shall be entitled to purchase, in lieu of the number of shares of Stock then covered by the Option, the number and class of shares of stock and securities to which
Optionee would have been entitled pursuant to the terms of the recapitalization if, immediately prior to such recapitalization, Optionee had been the holder of record of the number of shares of Stock then covered by the Option. 
 In the event of a Change of Control, any Options which have not expired shall immediately vest and become exercisable. Further, in the event of a Change
of Control, the Committee, in its discretion, shall act to effect one or more of the following alternatives with respect to the Options, which may vary among Options granted hereunder: (1) determine a limited period of time on or before a
specified date (before or after such Change of Control) after which specified date all unexercised Options and all rights of Optionee hereunder shall terminate; (2) require the mandatory surrender to the Company by Optionee of some or all of
the outstanding Options held by Optionee (irrespective of whether such Options are then exercisable) as of a date, before or after such Change of Control, specified by the Committee, in which event the Committee shall thereupon cancel such Options
and the Company shall pay to Optionee an amount of cash per share equal to the excess, if any, of the Change of Control Value of the shares subject to the Option over the exercise price(s) of 

  

 -3- 

 
such Options for such shares; (3) make such adjustments to the Options as the Committee deems appropriate to reflect such Change of Control (provided,
however, that the Committee may determine in its sole discretion that no adjustment is necessary to the Options); or (4) provide that thereafter upon any exercise of an Option, Optionee shall be entitled to purchase, in lieu of the number of
shares of Stock then covered by the Option, the number and class of shares of stock or other securities or property (including, without limitation, cash) to which Optionee would have been entitled pursuant to the terms of the agreement of merger,
consolidation or sale of assets and dissolution if, immediately prior to such merger, consolidation or sale of assets and dissolution, Optionee had been the holder of record of the number of shares of Stock then covered by the Option. The provisions
contained in this paragraph shall be inapplicable to an Option granted within six (6) months before the occurrence of a Change of Control if Optionee is subject to the reporting requirements of Section 16(a) of the 1934 Act. The provisions
contained in this paragraph shall not terminate any rights of Optionee to further payments pursuant to any other agreement with the Company following a Change of Control. 
 “Change of Control” means the occurrence of any of the following events: (i) the Company shall not be the surviving entity in any merger, consolidation or other reorganization (or survives only as a
subsidiary of an entity other than a previously wholly-owned subsidiary of the Company); (ii) the Company’s subsidiary savings and loan is merged or consolidated into, or otherwise acquired by, an entity other than a wholly-owned
subsidiary of the Company; (iii) the Company sells, leases or exchanges all or substantially all of its assets to any other person or entity (other than a wholly-owned subsidiary of the Company); (iv) the Company is to be dissolved and
liquidated; (v) any person or entity, including a “group” as contemplated by Section 13(d)(3) of the 1934 Act, acquires or gains ownership or control (including, without limitation, power to vote or control the voting) of more
than 50% of the outstanding shares of the Company’s voting stock (based upon voting power); or (vi) as a result of or in connection with a contested election of directors, the persons who were directors of the Company before such election
shall cease to constitute a majority of the Board of Directors. 
 “Change of Control Value” shall mean (i) the per share
price offered to shareholders of the Company in any merger, consolidation, reorganization, sale of assets or dissolution transaction; (ii) the price per share offered to shareholders of the Company in any tender offer or exchange offer whereby
a Change of Control takes place; or (iii) if such Change of Control occurs other than pursuant to a tender or exchange offer, the Fair Market Value (as defined in the Plan) per share of the shares into which Options are exercisable, as
determined by the Committee, whichever is applicable. In the event that the consideration offered to shareholders of the Company consists of anything other than cash, the Committee shall determine the fair cash equivalent of the portion of the
consideration offered which is other than cash. 
 “1934 Act” means the Securities Exchange Act of 1934, as amended. 
  

 -4- 

 Section 9. Compliance With Securities Laws. Upon the acquisition of any shares of Stock
pursuant to the exercise of the Options herein granted, Optionee (or any person acting under Section 6) will enter into such written representations, warranties and agreements as the Company may reasonably request in order to comply with
applicable securities laws or with these Terms and Conditions. 
 Section 10. Compliance With Laws. Notwithstanding any of the
other provisions hereof, Optionee may not exercise the Options granted hereby, and the Company will not be obligated to issue any shares of Stock pursuant to this Option grant, if the exercise of the Option or the issuance of such shares of Stock
would constitute a violation by Optionee or by the Company of any provision of any law or regulation of any governmental authority. 
 Section 11. Withholding Tax. To the extent that the exercise of an Option or the disposition of shares of Stock acquired by exercise of an Option results in compensation income to Optionee for federal or state income tax
purposes, Optionee shall pay to the Company at the time of such exercise or disposition such amount of money as the Company may require to meet its withholding obligation under applicable tax laws or regulations, if any, and, if Optionee fails to do
so, the Company is authorized to withhold from any cash remuneration then or thereafter payable to Optionee, any tax required to be withheld by reason of such resulting compensation income or Company may otherwise refuse to issue or transfer any
shares of Stock otherwise required to be issued or transferred pursuant to the terms hereof. 
 If Optionee disposes of any shares of Stock
acquired pursuant to the exercise of an Incentive Stock Option prior to the earlier of (i) two years from the Date of Grant or (ii) one year from the date the Option is exercised, Optionee shall notify the Company of such disposition
within ten days of its occurrence. 
 Section 12. No Right to Employment or Service. Optionee shall be considered to be in the
employment of the Company or its Affiliates or in service as a director or consultant so long as he or she remains an employee, director or consultant of the Company or its Affiliates. Any questions as to whether and when there has been a
termination of such employment or service as a director or consultant and the cause of such termination shall be determined by the Committee, and its determination shall be final. Nothing contained herein shall be construed as conferring upon
Optionee the right to continue in the employ of the Company or its Affiliates or to continue service as a director or consultant, nor shall anything contained herein be construed or interpreted to limit the “employment at will”
relationship between Optionee and the Company or its Affiliates. 
 Section 13. Resolution of Disputes. Any dispute or
disagreement which may arise hereunder shall be determined by the Committee in its sole discretion and judgment, and any such determination and any interpretation by the Committee of the terms of the Plan, the Notice or these Terms and Conditions
shall be final and shall be binding and conclusive, for all purposes, upon the Company, Optionee, and Optionee’s heirs, personal representatives and successors. 
  

 -5- 

 Section 14. Legends on Certificate. The certificates representing the shares of Stock
purchased by exercise of the Options will be stamped or otherwise imprinted with legends in such form as the Company or its counsel may require with respect to any applicable restrictions on sale or transfer and the stock transfer records of the
Company will reflect stop-transfer instructions with respect to such shares. 
 Section 15. Notices. Every notice hereunder shall
be in writing and shall be given by registered or certified mail. All notices of the exercise of any Option hereunder shall be directed to Encore Bancshares, Inc., Nine Greenway Plaza, Suite 1000., Houston, Texas 77046, Attention: Secretary. Any
notice given by the Company to Optionee directed to Optionee at the address on file with the Company shall be effective to bind Optionee and any other person who shall acquire rights hereunder. The Company shall be under no obligation whatsoever to
advise Optionee of the existence, maturity or termination of any of Optionee’s rights hereunder and Optionee shall be deemed to have familiarized himself or herself with all matters contained herein and in the Plan which may affect any of
Optionee’s rights or privileges hereunder. 
 Section 16. Construction and Interpretation. Whenever the term
“Optionee” is used herein under circumstances applicable to any other person or persons to whom this award, in accordance with the provisions of Section 6 hereof, may be transferred, the word “Optionee” shall be deemed to
include such person or persons. 
 Section 17. Plan Controls. These Terms and Conditions and the Notice are subject to the Plan.
The terms and provisions of the Plan (including any subsequent amendments thereto) are hereby incorporated herein by reference thereto. In the event of a conflict between any term or provision contained herein or in the Notice and a term or
provision of the Plan, the applicable terms and provisions of the Plan will govern and prevail. All definitions of words and terms contained in the Plan shall be applicable to these Terms and Conditions and the Notice. 
 Section 18. Binding Effect. These Terms and Conditions shall be binding upon and inure to the benefit of any successors to the Company and
all persons lawfully claiming under Optionee as provided herein. 
  

 -6- 

 ENCORE BANCSHARES, INC. 
 NOTICE OF STOCK OPTION GRANT 
  

			
	 Optionee:
	 	Social Security Number:
	 Date of Grant:
	 	
	 Shares Subject to Incentive Stock Option:
	 	
	 Shares Subject to Nonqualified Stock Option:
	 	
	 Exercise Price per Share:
	 	
	 Term of Option: Ten (10) years
	 	

 Encore Bancshares, Inc. (the “Company”) is pleased to inform you that, as indicated above, the
Compensation Committee of the Board of Directors of the Company has granted you an option to purchase a number of shares of common stock of the Company. As indicated above, this grant may consist of an Incentive Stock Option, Nonqualified Stock
Option, or both (the options granted hereunder being collectively referred to as the “Options”). Your grant has been made under the Encore Bancshares, Inc. 2000 Stock Incentive Plan (the “Plan”) as amended, which, together with
this Notice of Stock Option Grant (the “Notice”) and the Stock Option Terms and Conditions (“Terms and Conditions”), a copy of which is attached hereto, sets forth the terms and conditions of the Options. The Plan and the Terms
and Conditions are incorporated herein by reference. Please review this Notice and the Terms and Conditions carefully. Capitalized terms in this Notice have the same meanings ascribed to them in the Plan and the Terms and Conditions. 
 1. Vesting: Subject to the Terms and Conditions, the Options vest and become exercisable with respect to a percentage of the aggregate number of shares of Stock
offered by the Options determined by the number of full years from the Date of Grant in accordance with the following schedule: 
  

			
	 Number of Years
	 	Percentage Vested
	 3
	 	100%

 2. Exercise: Subject to the Terms and Conditions, any Option covered by this Notice may be exercised (to
the extent vested) at any time during the period beginning on the Date of Grant and ending at the expiration of the Term of the Option (set forth above). 
 3. Termination or Suspension of Employment or Service: The Terms and Conditions set forth the provisions that apply in the event of your termination or suspension of employment or service. 
 4. Procedure for Exercise: You may exercise an Option by delivering written notice to the Secretary of the Company setting forth the number of shares of Stock
with respect to which you are exercising the Option. Your notice must be accompanied by payment in full of the aggregate exercise price in the form of: (i) cash, cashier’s check, bank draft, or postal or express money order payable to the
order of the Company, (ii) certificates representing shares of Stock that you have owned for at least six (6) months prior to the date of exercise, duly endorsed for transfer to the Company, or (iii) any combination of the preceding.

 5. Taxes and Withholding: If either the exercise of an Option or your sale of Stock you acquire by exercising an Option results in an income tax
withholding obligation of the Company, you will be required to make appropriate arrangements with the Company for satisfaction of any such withholding obligation, which may include your payment to the Company of all such required amounts at the time
the withholding obligation is triggered. 
  

 -7- 

 IN WITNESS WHEREOF, ENCORE BANCSHARES, INC. has caused this Notice of Stock Option Grant to be
signed by its duly authorized officer this      day of                     , 2007. 
  

					
	 By:
	 	  
	 	
	 Name:
	 	James S. D’Agostino, Jr.	 	
	 Title:
	 	President	 	

  

 -8-

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