Document:

Exhibit 10.10.2

 Exhibit 10.10.2 

 
 

 
 January 31, 2013  
 Dear Stephen, 
 We are very pleased to welcome you to the Capital One leadership team as Chief
Financial Officer Designate. In this role, you will be a member of Capital One’s Executive Committee and report directly to Rich Fairbank, Chairman and Chief Executive Officer. Your start date will be determined at a later date. Effective
May 24, 2013, you will be appointed to the role of Chief Financial Officer. You will be based in New York City. 
 As a member of the
Executive Committee, you will be eligible for a compensation package for 2013 that includes Base Salary, Mid-Term Incentive and Long-Term Incentive as described in more detail below. The Compensation Committee of the Board of Directors (the
“Committee”) reviews and approves all compensation for members of the Executive Committee, and the final terms and amounts of any compensation are subject to the Committee’s discretion. Capital One is pleased to confirm the following
offer, including the terms of your 2013 compensation package: 
 Base Salary: Capital One will provide you with a total base salary of
$2,625,000 annually (which shall be pro-rated based on your start date), subject to applicable taxes and withholdings and delivered to you in two components as follows: (1) $1,500,000 annual cash salary to be at a rate of $57,692 bi-weekly, and
(2) $1,125,000 stock salary delivered as restricted stock units. Your first stock salary award will be granted on your start date, and these units typically vest on December 15 annually and settle as cash. The terms and conditions
associated with this pay component will be in your grant agreement. 
 The Committee reviews the salaries for members of the Executive Committee
annually and bases your opportunity for an increase in salary on a variety of factors. You will be eligible for your first annual salary increase in March 2014. 
 Capital One pays all associates on a bi-weekly schedule. Paychecks or direct deposit statements are issued every other Friday, after the close of the pay period. If the pay day falls on a holiday, checks
will be issued on the last business day prior to the holiday. 
 Mid-Term Incentive: You will be eligible for a Mid-term Incentive
award. The Committee reviews this program on an annual basis. Your 2013 personalized target incentive is $1,125,000 and is expected to be delivered as cash or a cash-settled vehicle that vests over three years. The Committee bases your actual
award amount on a variety of company performance factors. You will be eligible for your first Mid-term Incentive award for performance year 2013, to be awarded no later than March 15, 2014, and pro-rated based on your start date. 

The amount, terms and conditions of Mid-term Incentive awards for members of our Executive Committee, including any clawbacks and vesting restrictions,
are subject to the approval of the Committee and to the terms of any equity award agreements, and any governing stock incentive plan, which are the controlling documents for any of your equity incentive grants. The Committee has discretion to adjust
any payouts based on its sole discretion. 

 Long-Term Incentive: You will be eligible to receive Long-Term Incentive (“LTI”) awards,
which may include restricted stock, stock options, restricted stock units, performance shares, or other equity-based vehicles, subject to the review and approval of the Committee. Your 2013 personalized target incentive is $3,750,000. The
amount of your actual LTI award amount will be determined by the Committee based on your individual performance and will be pro-rated based on your start date. You will be eligible for your first LTI award for performance year 2013, to be
awarded no later than March 15, 2014. The award will vest according to the terms and conditions approved by the Committee. 
 The amount,
terms and conditions of LTI awards, including any clawbacks and vesting restrictions, for members of our Executive Committee are subject to the approval of the Committee and to the terms of any equity award agreements, and any governing stock
incentive plan, which are the controlling documents for any of your equity incentive grants. The Committee has discretion to adjust any payouts based on its sole discretion. 
 The Committee reviews its compensation programs for members of the Executive Committee regularly and may add, modify or discontinue compensation amounts or programs at any time. This letter is not
a guarantee of any compensation to be paid in the future. 
 Special Grant: Additionally, the Committee has approved an award to you
of shares of Capital One restricted stock in a number of shares equal to $9.8 million divided by the closing price of Capital One’s stock on your start date as reported on the NYSE, rounded to the nearest 1,000 shares. This award will vest over
five years in equal fifths on the first, second, third, fourth and fifth anniversary of the date of grant. The grant is governed by the terms of the equity award agreement and any governing stock incentive plan, which are the controlling documents
for your grant. The date of grant for this award of restricted stock will be your start date. However, this grant will be null and void and of no further force and effect if you do not begin your employment with Capital One by February 15,
2013. This award will be subject to holding requirements until the end of the five year vesting term and subject to clawback. See the equity award agreement for details on terms and conditions.  

Benefits: You are eligible to participate in Capital One’s benefit programs, subject to the terms of applicable plans and program
documents. Your benefits generally become effective your first day of employment, provided you enroll within 31 days from your hire date (if required by applicable plan documents). As part of this benefit program, you will be entitled to
four (4) weeks of paid vacation annually, pro-rated for any periods of employment constituting less than a full calendar year. These plans may, from time to time, be amended or terminated. Executive Programs: You are eligible to
participate in a variety of other executive benefit programs, subject to the terms of applicable plan and program documents. These include a Deferred Compensation Plan, an Executive Life Insurance Plan, an Executive Health Screening program and
a car allowance. Details on these programs will be discussed at a later time. Your participation in any such programs is subject to the terms of the applicable program or plan documents. Such plans or programs may, from time to time, be
amended or terminated. 
 Capital One University: This is a website created specially for new hires to use before they arrive at Capital
One as well as anytime afterwards. The site contains descriptions of key benefits, and self-directed, interactive eLearning courses on Capital One, our businesses and products, our core Values, and how you can succeed at Capital One. You can start
to inform yourself right away by logging into: https://www.capitaloneuniversity.com/. Input the user name and password that will be provided to you separately. 
 Additional Provisions: After your start date, you will be provided with a change of control agreement that provides for certain payments in the event of a change of control that are commensurate
with other peer executives. 
 Capital One respects the intellectual property rights of third parties and fair competition. By your signature
below, you represent that you have provided Capital One with a copy of any non-compete, non-solicitation, 

 
invention assignment or other similar agreement to which you are a party, and that you are in compliance with and will continue to comply with such agreement(s). You represent that you are not
subject to any contractual or other obligation or restriction that is inconsistent with or prohibits your acceptance of this offer of employment. You further acknowledge and agree that in the course of your employment with Capital One, you are not
permitted to make any unauthorized use of documents or other information that are the confidential, trade secret or proprietary information of another individual or company. 
 Please be advised that this offer letter does not constitute an employment contract and that your employment with Capital One is at-will. You or Capital One may terminate your employment at any time
and for any reason. Capital One also reserves the right to alter or change the terms and conditions of your employment at any time and for any reason and it reserves the right to add, modify or discontinue compensation and benefit programs at
any time.
 Stephen, we are excited about the prospect of having you on our team and look forward to welcoming you to Capital One.

This offer was approved by the Committee, and is contingent upon returning a signed copy of the Non-Competition Agreement (NCA), and the Confidentiality,
Work Product and Non-Solicitation of Employee Agreement (“CWP+NSE”), as well as complying with policies for new hires and starting work by the date required by Capital One. 
 To indicate your acceptance of this offer, please sign and date the enclosed copy of this letter. In doing so you acknowledge that Capital One has notified you of your regular rate of pay and Capital
One’s designated regular pay day. 
 This is an exciting time to join Capital One. While we have discussed your responsibilities and the
specifics of this offer in detail, please don’t hesitate to contact me with any remaining questions. 
 Warmest regards, 

Jory Berson 
 Chief Human Resources Officer

 I accept your offer of employment as outlined in this letter and my start date will be . 

 

			
	  

		
	Signed:	 	 /s/ Stephen S. Crawford

		
	Name:	 	Stephen S. Crawford
		
	Date:EX-4.9

 Exhibit 4.9 

 

					
		 	 Delaware
	  	            PAGE    1
		 	The First State	  	

 I, HARRIET SMITH WINDSOR, SECRETARY OF STATE OF THE STATE OF DELAWARE, DO HEREBY CERTIFY THE ATTACHED
IS A TRUE AND CORRECT COPY OF THE CERTIFICATE OF STATUTORY TRUST REGISTRATION OF “SAFC STATUTORY TRUST I”, FILED IN THIS OFFICE ON THE SIXTEENTH DAY OF FEBRUARY, A.D. 2006, AT 5:57 O’CLOCK P.M. 

 

											
		  	 

	  		  	 

  

		  	  	  	Harriet Smith Windsor, Secretary of State
	4112022        8100	  	  	  		  	AUTHENTICATION:	  	4531788
	  
 060149700
	  	  	  		  	DATE:	  	02-17-06

 CERTIFICATE OF TRUST 

OF 
 SAFC
STATUTORY TRUST I 
 THIS Certificate of Trust of SAFC Statutory Trust I (the “Trust”) is being duly executed and
filed on behalf of the Trust, by the undersigned, as trustee, to form a statutory trust under the Delaware Statutory Trust Act (12 Del. C. § 3801 et seq.) (the “Act”). 

1. Name. The name of the statutory trust formed by this Certificate of Trust is SAFC Statutory Trust I. 

2. Delaware Trustee. The name and business address of the trustee of the Trust in the State of Delaware are Wilmington Trust
Company, 1100 North Market Street, Wilmington, Delaware 19890-0001, Attn: Corporate Trust Administration. 
 3. Effective
Date. This Certificate of Trust shall be effective upon filing. 
 IN WITNESS WHEREOF, the undersigned has duly executed
this Certificate of Trust in accordance with Section 3811(a)(1) of the Act. 
  

			
	WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Trustee
		
	By:	 	 

  

	Name:	 	Christopher Monigle
	Title:	 	Assistant Vice President

  

					
	 	 	 	  	State of Delaware
		 		  	Secretary of State
		 		  	Division of Corporations
		 		  	Delivered 05:57 PM 02/16/2006
	RLF1-2981963-1	 		  	 FILED 05:57 PM 02/16/2006

SRV 060149700 – 4112022 FILE

 DECLARATION OF TRUST 

This DECLARATION OF TRUST is made this 16 day of February, 2006 (this “Declaration of Trust”), by and among
(i) Southwestern American Financial Corporation, an Ohio corporation (the “Depositor”), (ii) Wilmington Trust Company, a banking corporation organized under the laws for the State of Delaware, as trustee (the
“Trustee”), and (iii) Jerome E. Grabowski and Henry E. Bedford, each an individual, as administrators (each an “Administrator” and collectively, the “Administrators”). The Depositor, the Trustee and the
Administrators hereby agree as follows: 
 1. The trust created hereby (the “Trust”) shall be known as “SAFC
Statutory Trust 1,” in which name the Trustee, the Administrators or the Depositor, to the extent provided herein, may engage in the transactions contemplated hereby, make and execute contracts, and sue and be sued. 

2. The Depositor hereby assigns, transfers, conveys and sets over to the Trustee the sum of $10.00. The Trustee hereby acknowledges
receipt of such amount in trust from the Depositor, which amount shall constitute the initial trust estate. The Trustee hereby declares that it will hold the trust estate in trust for the Depositor. It is the intention of the parties hereto that the
Trust created hereby constitutes a statutory trust under Chapter 38 of Title 12 of the Delaware Code, 12 Del. C. §§ 3801, et seq. (the “Statutory Trust Act”), and that this document constitutes the governing instrument of
the Trust. The Trustee is hereby authorized and directed to execute and file a certificate of trust (the “Certificate of Trust”) with the Delaware Secretary of State in accordance with the provisions of the Statutory Trust Act. 

3. The Depositor, the Trustee and the Administrators will enter into an amended and restated Declaration of Trust, satisfactory to each
such party, to provide for the contemplated operation of the Trust created hereby and the issuance of the Fixed/Floating Rate Capital Securities and Fixed/Floating Rate Common Securities referred to therein (the “Securities”). Prior to the
execution and delivery of such amended and restated Declaration of Trust, other than (i) the filing of the Certificate of Trust in accordance with Section 2 herein and as further contemplated in Section 4 herein and (ii) entering
into a Placement Agreement among the placement agents, the Depositor and the Trust, neither the Trustee nor the Administrators shall have any duty or liability with respect to the administration of the trust estate, the investment of the
Trust’s property or the payment of dividends or other distributions of income or principal to the Trust’s beneficiaries, and no implied obligations shall be inferred from this Declaration of Trust on the part of the Trustee or the
Administrators. 
 (i) The Trustee and the Administrators accept the trusts hereby created and agree to perform their duties
hereunder with respect to the same but only upon the terms of this Declaration of Trust. Neither the Trustee nor the Administrators shall be personally liable under any circumstances, except for their own willful misconduct or gross negligence. In
particular, but not by way of limitation: 
 (A) No provision of this Declaration of Trust shall require the Trustee or the
Administrators to expend or risk their personal funds or otherwise incur any financial liability in the performance of their rights or duties hereunder, if the Trustee or any Administrator shall have reasonable grounds for believing that repayment
of such funds or adequate indemnity against such risk or liability is not reasonably assured or provided to it; 
 (B) Under no
circumstance shall the Trustee or the Administrators be personally liable for any representation, warranty, covenant or indebtedness of the Trust; 
 (C) Neither the Trustee nor the Administrators shall have liability for their action or inaction taken in good faith; 

 (D) All funds deposited with the Trustee hereunder may be held in a non-interest bearing
trust account and the Trustee shall not be liable for any interest thereon; and 
 (E) To the extent that, at law or in equity,
the Trustee or the Administrators have duties and liabilities relating thereto to the Trust, such duties and liabilities are replaced by the terms of this Declaration of Trust. 

(ii) Notwithstanding anything contained herein to the contrary, the Trustee shall not be required to take any action in any jurisdiction
other than the State of Delaware if the taking of such action will (i) require the consent or approval or authorization or order of or the giving of notice to, or the registration with or the taking of any other action in respect of, any state
or other governmental authority or agency of any jurisdiction other than, in the case of the Trustee, the State of Delaware, (ii) result in any fee, tax or other governmental charge under the laws of any jurisdiction or any political
subdivision thereof in existence becoming payable by Wilmington Trust Company, or (iii) subject Wilmington Trust Company to personal jurisdiction in any jurisdiction other than the State of Delaware, as the case may be, for causes of action
arising from acts unrelated to the consummation of the transactions by the Trustee, as the case may be, contemplated hereby. 

(iii) Except as expressly provided in this Section 3, in accepting and performing the trusts hereby created, the Trustee acts solely
as Trustee hereunder and not in its individual capacity, and all persons having any claim against the Trustee by reason of the transactions contemplated by this Declaration of Trust shall look only to the Trust’s properly for payment or
satisfaction thereof. 
 (iv) The Trustee may resign without cause at any time so long as Trustee provides the Depositor and the
Administrators at least thirty days’ prior written notice of such resignation. If no successor has been appointed within such thirty day period, the Trustee may, at the expense of the Trust, petition a court of competent jurisdiction to appoint
a successor trustee. 
 4. The Depositor, the Administrators and the Trustee hereby authorize and direct the Depositor, as the
sponsor of the Trust, to file and execute on behalf of the Trust such applications, reports, surety bonds, irrevocable consents, appointments of attorney for service of process and other papers and documents as shall be necessary or desirable to
register the Capital Securities under the securities or blue sky laws of such jurisdictions as the Depositor, oh behalf of the Trust, may deem necessary or desirable. In the event that any filing referred to above is required by the rules and
regulations of the state securities or blue sky laws to be executed on behalf of the Trust by one or more of the Administrators, each of the Administrators, in its or his capacity as an Administrator of the Trust, is hereby authorized and, to the
extent so required, directed to join in any such filing and to execute on behalf of the Trust any and all of the foregoing, it being understood that Wilmington Trust Company in its capacity as a Trustee of the Trust shall not be required to join in
any such filing or execute on behalf of the Trust any such documents unless required by the rules and regulations of the state securities or blue sky laws. In connection with the filings referred to above, the Depositor and Jerome E. Grabowski and
Henry E. Bedford each as Administrator and not in their individual capacities, hereby constitutes and appoints Jerome E. Grabowski and Henry E. Bedford and each of them, as its true and lawful attorneys-in-fact and agents, with full power of
substitution and resubstitution, for the Depositor or such Administrator or in the Depositor’s or such Administrator’s name, place and stead, in any and all capacities, to sign any and all documents with the administrators of the state
securities or blue sky laws, granting unto said attorneys-in-fact and agents full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection therewith, as fully to all intents and purposes as
the Depositor or such Administrator might or could do in person, hereby ratifying and confirming ail that said attorneys-in-fact and agents or any of them, or their respective substitute or substitutes, shall do or cause to be done by virtue hereof.

  
 2 

 5. The Administrators hereby authorize and direct the Depositor to negotiate the placement
agreement, to be entered into among the Trust, the Depositor and the placement agents therein relating to the sale and issuance of the Securities, on behalf of the Trust. 
 6. This Declaration of Trust may be executed in one or more counterparts. 
 7. The
number of Administrators initially shall be two and thereafter the number of Administrators shall be such number as shall be fixed from time to time by a written instrument signed by the Depositor which may increase or decrease the number of
Administrators. Subject to the foregoing, the Depositor is entitled to appoint or remove without cause any Administrator or the Trustee at any time. The Trustee or any Administrator may resign upon 30 days’ prior written notice to the
Depositor. 
 8. This Declaration of Trust shall be governed by, and construed in accordance with, the laws of the State of
Delaware (without regard to conflict of laws principles). 
 Signatures appear on the following page 

  
 3 

 IN WITNESS WHEREOF, the parties hereto have caused this Declaration of Trust to be duly
executed as of the day and year first above written. 
  

			
	SOUTHWESTERN AMERICAN FINANCIAL CORPORATION, as Depositor
		
	By:	 	 

  

		
	Name:	 	 J. E. Grabowski

		
	Title:	 	 CFO – Senior Vice President

	
	WILMINGTON TRUST COMPANY, as Trustee
		
	By:	 	 

  

		
	Name:	 	 Christopher Monigle

		
	Title:	 	 Assistant Vice President

		
	By:	 	 

  

		 	Jerome E. Grabowski, as Administrator
		
	By:	 	 

  

		 	Henry E. Bedford, as Administrator

  
 4

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