<SEC-DOCUMENT>0000950103-21-006687.txt : 20210504
<SEC-HEADER>0000950103-21-006687.hdr.sgml : 20210504
<ACCEPTANCE-DATETIME>20210504161511
ACCESSION NUMBER:		0000950103-21-006687
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20210503
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210504
DATE AS OF CHANGE:		20210504

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAPITAL ONE FINANCIAL CORP
		CENTRAL INDEX KEY:			0000927628
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				541719854
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13300
		FILM NUMBER:		21888638

	BUSINESS ADDRESS:	
		STREET 1:		1680 CAPITAL ONE DRIVE
		STREET 2:		SUITE 1400
		CITY:			MCLEAN
		STATE:			VA
		ZIP:			22102
		BUSINESS PHONE:		7037201000

	MAIL ADDRESS:	
		STREET 1:		1680 CAPITAL ONE DRIVE
		STREET 2:		SUITE 1400
		CITY:			MCLEAN
		STATE:			VA
		ZIP:			22102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OAKSTONE FINANCIAL CORP
		DATE OF NAME CHANGE:	19940728
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<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES</b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b>&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Washington, D.C. 20549</b></p>

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<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 10pt">_____________________</span></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_90E_edei--DocumentType_c20210503__20210503_zJyfl9E0f5Lh"><ix:nonNumeric contextRef="From2021-05-03to2021-05-03" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

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<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b>&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section 13 or 15(d)</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>of The Securities Exchange Act of 1934</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Date of Report (Date of earliest event reported)</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(Exact name of registrant as specified in its
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 10pt">_____________________</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>



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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Not applicable)&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 10pt">_____________________</span></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.
below):</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_903_edei--PreCommencementTenderOffer_c20210503__20210503_zskgI0ehvEp7"><ix:nonNumeric contextRef="From2021-05-03to2021-05-03" format="ixt:booleanfalse" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></span></td><td>Pre-commencement communications pursuant to Rule 14d-2(b) under
the Exchange Act (17 CFR 240.14d-2(b))</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_901_edei--PreCommencementIssuerTenderOffer_c20210503__20210503_zUk9N6diBpB4"><ix:nonNumeric contextRef="From2021-05-03to2021-05-03" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></span></td><td>Pre-commencement communications pursuant to Rule 13e-4(c) under
the Exchange Act (17 CFR 240.13e-4(c))</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Securities registered pursuant to Section
12(b) of the Act:</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
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of each class&#160;</p></td>
    <td style="width: 25%">
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Symbol(s)&#160;</p></td>
    <td style="width: 35%">
    <p style="border-bottom: Black 0.5pt solid; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Name
of Each Exchange on Which Registered&#160;</p></td></tr>
  <tr style="vertical-align: top">
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  </table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>

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    <div style="border-bottom: Black 1pt solid; margin-top: 6pt; margin-bottom: 6pt"><p style="font: normal 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 40%; font-size: 10pt; text-align: center"><span id="xdx_90A_edei--Security12bTitle_c20210503__20210503__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesGPreferredStockMember_z6yWVyIykPIi"><ix:nonNumeric contextRef="From2021-05-032021-05-03_us-gaap_SeriesGPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G</ix:nonNumeric></span></td>
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  <tr style="vertical-align: top">
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    <td style="font-size: 10pt; text-align: center"><span id="xdx_90B_edei--TradingSymbol_c20210503__20210503__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesHPreferredStockMember_zFUOd2BL3ZHe"><ix:nonNumeric contextRef="From2021-05-032021-05-03_us-gaap_SeriesHPreferredStockMember" name="dei:TradingSymbol">COF PRH</ix:nonNumeric></span></td>
    <td style="font-size: 10pt; text-align: center"><span id="xdx_903_edei--SecurityExchangeName_c20210503__20210503__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesHPreferredStockMember_zNC0iCF7oX3l"><ix:nonNumeric contextRef="From2021-05-032021-05-03_us-gaap_SeriesHPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span id="xdx_901_edei--Security12bTitle_c20210503__20210503__us-gaap--StatementClassOfStockAxis__custom--SeriesIPreferredStockMember_zts0fCNj1az6"><ix:nonNumeric contextRef="From2021-05-032021-05-03_custom_SeriesIPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I</ix:nonNumeric></span></td>
    <td style="font-size: 10pt; text-align: center"><span id="xdx_908_edei--TradingSymbol_c20210503__20210503__us-gaap--StatementClassOfStockAxis__custom--SeriesIPreferredStockMember_zNitVLYgq3C2"><ix:nonNumeric contextRef="From2021-05-032021-05-03_custom_SeriesIPreferredStockMember" name="dei:TradingSymbol">COF PRI</ix:nonNumeric></span></td>
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  <tr style="vertical-align: top">
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    <td style="font-size: 10pt; text-align: center"><span id="xdx_907_edei--TradingSymbol_c20210503__20210503__us-gaap--StatementClassOfStockAxis__custom--SeriesJPreferredStockMember_zT5BQ4xkUE6g"><ix:nonNumeric contextRef="From2021-05-032021-05-03_custom_SeriesJPreferredStockMember" name="dei:TradingSymbol">COF PRJ</ix:nonNumeric></span></td>
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  <tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span id="xdx_905_edei--Security12bTitle_c20210503__20210503__us-gaap--StatementClassOfStockAxis__custom--SeriesKPreferredStockMember_zLYUB6e78t74"><ix:nonNumeric contextRef="From2021-05-032021-05-03_custom_SeriesKPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K</ix:nonNumeric></span></td>
    <td style="font-size: 10pt; text-align: center"><span id="xdx_90B_edei--TradingSymbol_c20210503__20210503__us-gaap--StatementClassOfStockAxis__custom--SeriesKPreferredStockMember_zn9RH1xA1jTi"><ix:nonNumeric contextRef="From2021-05-032021-05-03_custom_SeriesKPreferredStockMember" name="dei:TradingSymbol">COF PRK</ix:nonNumeric></span></td>
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  <tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span id="xdx_900_edei--Security12bTitle_c20210503__20210503__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2024Member_zy86Wclo3BGk"><ix:nonNumeric contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2024Member" name="dei:Security12bTitle">0.800% Senior Notes Due 2024</ix:nonNumeric></span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company <span style="font-family: Times New Roman, Times, Serif"><span id="xdx_909_edei--EntityEmergingGrowthCompany_c20210503__20210503_zJzW5DBujQk4"><ix:nonNumeric contextRef="From2021-05-03to2021-05-03" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">complying with any new or revised financial accounting standards provided
pursuant to Section 13(a) of the Exchange Act. <span style="font-family: Times New Roman, Times, Serif">&#9744;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<!-- Field: Rule-Page --><div style="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->


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    <div style="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 3.03</td><td>Material Modification to Rights of Security Holders.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On May 4, 2021, Capital One Financial Corporation (the &#8220;Company&#8221;)
issued and sold 27,000,000 depositary shares (&#8220;Depositary Shares&#8221;), each representing a 1/40th ownership interest in a share
of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L, $0.01 par value (the &#8220;Series L Preferred Stock&#8221;), with a
liquidation preference of $25 per Depositary Share (equivalent to $1,000 per share of Series L Preferred Stock). The Company filed a Certificate
of Designations (the &#8220;Certificate of Designations&#8221;) with the Secretary of State of the State of Delaware, establishing the
voting rights, powers, preferences and privileges, and the relative, participating, optional or other rights, and the qualifications,
limitations or restrictions thereof, of the Series L Preferred Stock on May 3, 2021. Holders of the Depositary Shares will be entitled
to all proportional rights and preferences of the Series L Preferred Stock (including dividend, voting, redemption and liquidation rights).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Under the terms of the Series L Preferred Stock, the ability of the
Company to pay dividends on, make distributions with respect to, or to repurchase, redeem or acquire its common stock or any preferred
stock ranking on parity with or junior to the Series L Preferred Stock, is subject to restrictions in the event that the Company does
not declare and either pay or set aside a sum sufficient for payment of dividends on the Series L Preferred Stock for the immediately
preceding dividend period.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The description of the terms of the Series L Preferred Stock is qualified
in its entirety by reference to the Certificate of Designations, which is included as Exhibit 3.1 to this Current Report on Form 8-K and
is incorporated by reference herein.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 5.03</td><td>Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Certificate of Designations became effective upon filing with the
Secretary of State of the State of Delaware and it amends the Company&#8217;s Restated Certificate of Incorporation. The terms of the
Series L Preferred Stock are more fully described in Item 3.03 of this Current Report on Form 8-K and the Certificate of Designations
which is included as Exhibit 3.1 to this Current Report on Form 8-K, both of which are incorporated by reference herein.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 8.01</td><td>Other Events.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On April 29, 2021, the Company entered into an Underwriting Agreement
(the &#8220;Underwriting Agreement&#8221;) with BofA Securities, Inc., J.P. Morgan Securities LLC, Morgan Stanley &amp; Co. LLC, RBC Capital
Markets, LLC, UBS Securities LLC and Wells Fargo Securities, LLC, as the representatives of the several underwriters named therein (collectively,
the &#8220;Underwriters&#8221;), pursuant to which the Company agreed to sell to the Underwriters 27,000,000 Depositary Shares, each representing
a 1/40<sup>th</sup> ownership interest in a share of the Series L Preferred Stock.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Underwriting Agreement contains customary representations, warranties
and agreements of the Company, conditions to closing, indemnification rights and obligations of the parties, and termination provisions.
Under the terms of the Underwriting Agreement, the Company agreed to indemnify the Underwriters against certain specified types of liabilities,
including liabilities under the Securities Act of 1933, as amended, and to contribute to payments the Underwriters may be required to
make in respect of these liabilities.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The net proceeds of the offering of the 27,000,000 Depositary Shares
were approximately $652.9 million, after deducting underwriting commissions and estimated offering expenses. The offering was made pursuant
to the prospectus supplement dated April 29, 2021 and the accompanying prospectus dated March 12, 2021, filed with the Securities and
Exchange Commission pursuant to the Company&#8217;s effective registration statement on Form S-3 (File No. 333-254191) (the &#8220;Registration
Statement&#8221;). The following documents are being filed with this Current Report on Form 8-K and are incorporated by reference into
the Registration Statement: (a) the Underwriting Agreement, (b) the Certificate of Designations, (c) the Deposit Agreement dated May 4,
2021, between the Company, Computershare Trust Company, N.A., as Depositary, Computershare Inc. and the holders from time to time of the
depositary receipts described therein, to which Deposit Agreement the Form of Depositary Receipt is attached as Exhibit A, and (d) a validity
opinion with respect to the Depositary Shares and the Series L Preferred Stock.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>


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    <div style="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 9.01</td><td>Financial Statements and Exhibits.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exhibits</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="padding: 2pt; text-align: center; width: 7%">
<div style="border-bottom: Black 0.5pt solid; padding: 0in 0in 1pt; text-align: center">

    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Exhibit</p>
    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"></p>
    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">No.&#160;</p>
</div></td>
    <td style="padding: 2pt; width: 93%">
    <p style="border-bottom: Black 0.5pt solid; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Description
of Exhibit&#160;</p></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt; text-align: center"><a href="dp150414_ex0101.htm">1.1</a></td>
    <td style="padding: 2pt"><span style="color: Black"><a href="dp150414_ex0101.htm">Underwriting Agreement, dated April 29, 2021</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt; text-align: center"><a href="dp150414_ex0301.htm">3.1</a></td>
    <td style="padding: 2pt"><span style="color: Black"><a href="dp150414_ex0301.htm">Certificate of Designations of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L, dated May 3, 2021</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt; text-align: center"><span style="color: Black"><a href="dp150414_ex0401.htm">4.1</a></span></td>
    <td style="padding: 2pt"><span style="color: Black"><a href="dp150414_ex0401.htm">Deposit Agreement, dated May 4, 2021</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt; text-align: center"><a href="dp150414_ex0501.htm">5.1</a></td>
    <td style="padding: 2pt"><a href="dp150414_ex0501.htm">Opinion of Davis Polk &amp; Wardwell LLP</a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt; text-align: center"><a href="dp150414_ex0501.htm">23.1</a></td>
    <td style="padding: 2pt"><a href="dp150414_ex0501.htm">Consent of Davis Polk &amp; Wardwell LLP (included in Exhibit 5.1)</a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt; text-align: center">104</td>
    <td style="padding: 2pt">The cover page from this Current Report on Form 8-K, formatted in Inline XBRL</td></tr>
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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURE</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act of 1934,
the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2"><b>CAPITAL ONE FINANCIAL CORPORATION</b></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td style="width: 47%">Date: May 4, 2021</td>
    <td style="width: 6%">&#160;</td>
    <td style="width: 6%">By:</td>
    <td style="border-bottom: Black 1pt solid; width: 41%">/s/ Matthew W. Cooper&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>Name:</td>
    <td>Matthew W. Cooper</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>Title:</td>
    <td>General Counsel</td></tr>
  </table>

<p style="margin: 0">&#160;</p>

<p style="margin: 0">&#160;</p>

<p style="margin: 0">&#160;</p>

<p style="margin: 0">&#160;</p>

<p style="margin: 0">&#160;</p>

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<DESCRIPTION>EXHIBIT 1.1
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<P STYLE="text-align: right; margin: 0"><B>Exhibit 1.1</B></P>

<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">27,000,000 DEPOSITARY SHARES&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EACH REPRESENTING A 1/40TH INTEREST IN A
SHARE OF&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FIXED RATE NON-CUMULATIVE PERPETUAL PREFERRED&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">STOCK, SERIES L&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OF&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CAPITAL ONE FINANCIAL CORPORATION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNDERWRITING AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">April 29, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BofA Securities, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">One Bryant Park</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10036</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">383 Madison Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10179</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley &amp; Co. LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">1585 Broadway</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10036</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">RBC Capital Markets, LLC<BR>
200 Vesey Street<BR>
New York, New York 10281-8098</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UBS Securities LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">1285 Avenue of the Americas</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Wells Fargo Securities, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">550 South Tryon Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Charlotte, North Carolina 28202</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As Representatives of the several</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Underwriters named in Schedule I hereto</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dear Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Capital One Financial Corporation, a Delaware corporation
(the &ldquo;Company&rdquo;), proposes to issue and sell to the several underwriters named in Schedule I hereto (the &ldquo;Underwriters&rdquo;),
for whom you are acting as representatives (the &ldquo;Representatives&rdquo;), an aggregate of 27,000,000 depositary shares (the &ldquo;Shares&rdquo;),
each such share representing ownership of 1/40th of a share of the Company&rsquo;s Fixed Rate Non-Cumulative Perpetual Preferred Stock,
Series L, par value $0.01</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">per share,
with a liquidation preference of $1,000 per share (the &ldquo;Preferred Stock&rdquo;). The Preferred Stock will, when issued, be deposited
by the Company against delivery of Depositary Receipts (&ldquo;Depositary Receipts&rdquo;) to be issued by Computershare Trust Company,
N.A. (&ldquo;Computershare&rdquo; or the &ldquo;Depositary&rdquo;), under a Deposit Agreement (the &ldquo;Deposit Agreement&rdquo;),
to be dated as of the Closing Date (as defined herein), among the Company, the Depositary and the holders from time to time of the Depositary
Receipts issued thereunder. Each Depositary Receipt will evidence one or more Shares. For purposes of this Agreement, &ldquo;Depositary
Shares&rdquo; means the depositary shares, each such share representing ownership of 1/40th of a share of Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration
Statement and Prospectus</U>. The Company has prepared and filed with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;)
a registration statement on Form&nbsp;S-3 (File No. 333-254191) under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;)
in respect of its senior debt securities, subordinated debt securities, shares of its preferred stock, depositary shares, shares of its
common stock, purchase contracts, warrants and units (as amended through the date of this Agreement, being herein referred to as the &ldquo;Registration
Statement&rdquo;). Such Registration Statement has become effective. The Registration Statement contains a base prospectus in the form
in which it has most recently been filed with the Commission on or prior to the date of this Agreement (the &ldquo;Base Prospectus&rdquo;),
to be used in connection with the public offering and sale of the Shares. Any preliminary prospectus supplement to the Base Prospectus
that describes the Shares and the offering thereof and is used prior to filing of the Prospectus is called, together with the Base Prospectus,
a &ldquo;preliminary prospectus.&rdquo; The term &ldquo;Prospectus&rdquo; shall mean the final prospectus supplement relating to the Shares,
together with the Base Prospectus, that is first filed pursuant to Rule 424(b) under the Securities Act after the date and time that this
Agreement is executed and delivered by the parties hereto but shall not include any free writing prospectus (as such term is used in Rule
405 under the Securities Act). Any Prospectus or preliminary prospectus shall be deemed to refer to and include the documents incorporated
by reference therein pursuant to Item 12 of Form S-3 under the Securities Act; any reference to any amendment or supplement to any preliminary
prospectus or the Prospectus shall be deemed to refer to and include any documents filed after the date of such preliminary prospectus
or Prospectus, as the case may be, under the Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder
(collectively, the &ldquo;Exchange Act&rdquo;), and incorporated by reference in such preliminary prospectus or Prospectus, as the case
may be. The Company also has prepared and filed (or will file) with the Commission the Issuer Free Writing Prospectuses (as defined below)
set forth on Schedule II hereto. All references in this Agreement to the Registration Statement, a preliminary prospectus, the Prospectus,
or any amendments or supplements to any of the foregoing, shall include any copy thereof filed with the Commission pursuant to its Electronic
Data Gathering, Analysis and Retrieval System (&ldquo;EDGAR&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Agreements
to Sell and Purchase</U>. On the basis of the representations and warranties contained in this Agreement, and subject to its terms and
conditions, the Company agrees to issue and sell to the Underwriters, and each Underwriter agrees, severally and not jointly, to purchase
from the Company the respective number of Shares set forth opposite the name of such Underwriter in <U>Schedule I</U> hereto, in each
case at a purchase price (the &ldquo;Purchase Price&rdquo;) of $25 per share after accounting for a discount of $0.7875 per share (in
the case of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Shares sold
to retail investors) or $0.2500 per share (in the case of Shares sold to institutional investors).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Terms
of Public Offering</U>. The Company is advised by the Representatives that the Underwriters propose (i) to make a public offering of their
respective portions of the Shares as soon after the execution hereof as practicable and (ii) initially to offer the Shares upon the terms
set forth in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery
and Payment</U>. The Company will deliver, or cause to be delivered, the Shares to the Representatives for the account of each Underwriter
against payment by or on behalf of such Underwriter of the Purchase Price by wire transfer of Federal (same-day) funds to the account
specified by the Company to the Representatives at least twenty-four hours in advance, by causing Computershare and Computershare Inc.,
collectively as registrar, to register the Shares in the name of Cede &amp; Co., or such other nominee as DTC may designate, and shall
cause DTC to credit the Shares to the account of Morgan Stanley &amp; Co. LLC at DTC. The time and date of such delivery and payment shall
be 10:00 a.m., New York City time on the third business day following the date of the Prospectus (the &ldquo;Closing Date&rdquo;), or
such other time and date as the Representatives and the Company may agree upon in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Agreements
of the Company</U>. The Company agrees with the Underwriters:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To file
the Prospectus with the Commission pursuant to Rule 424(b)(5) not later than the second business day following the execution and delivery
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the period beginning at the Time of Sale (as defined below) and ending on the later of the Closing Date or such date as in the opinion
of counsel for the Underwriters, the Prospectus is no longer required by law to be delivered in connection with sales by an Underwriter
or dealer, including in circumstances where such requirement may be satisfied pursuant to Rule 172 (the &ldquo;Prospectus Delivery Period&rdquo;),
prior to amending or supplementing the Registration Statement, the Disclosure Package (as defined below) or the Prospectus (including
any amendment or supplement through incorporation by reference of any report filed under the Exchange Act), the Company shall furnish
to the Representatives for review a copy of each such proposed amendment or supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If,
during the Prospectus Delivery Period, any event or development shall occur or condition exist as a result of which the Disclosure Package
or the Prospectus as then amended and supplemented would include any untrue statement of a material fact or omit to state any material
fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading,
or if in the judgment of the Company it shall be necessary to amend or supplement the Disclosure Package or the Prospectus, or to file
under the Exchange Act any document incorporated by reference in the Disclosure Package or the Prospectus, in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading, or if it is otherwise necessary to amend or supplement
the Registration Statement, the Disclosure Package or the Prospectus, or to file under the Exchange Act any document incorporated by reference
in the Disclosure Package or the Prospectus, or to file a new registration statement containing the Prospectus, in order to comply with
law, including in connection with the delivery of the Prospectus, the Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">agrees to
(i) notify the Representatives of any such event or condition and (ii) promptly prepare (subject to paragraph (b) above), file with the
Commission (and use its best efforts to have any amendment to the Registration Statement or any new registration statement be declared
effective) and furnish at its own expense to the Underwriters and to dealers, amendments or supplements to the Registration Statement,
the Disclosure Package or the Prospectus, or any new registration statement, necessary in order to make the statements in the Disclosure
Package or the Prospectus as so amended or supplemented, in the light of the circumstances then prevailing or under which they were made,
not misleading or so that the Registration Statement, the Disclosure Package or the Prospectus, as amended or supplemented, will comply
with law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company will prepare a final term sheet for the Shares containing only a description of the Shares, in a form approved by the Representatives,
and will file such term sheet pursuant to Rule 433(d) under the Securities Act within the time required by such rule (the &ldquo;Final
Term Sheet&rdquo;). Any such Final Term Sheet is an Issuer Free Writing Prospectus for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company represents that (other than the Final Term Sheet) it has not made, and agrees that, unless it obtains the prior written consent
of the Representatives, it will not make, any offer relating to the Shares that would constitute an issuer free writing prospectus as
defined in Rule 433 of the Securities Act (each, an &ldquo;Issuer Free Writing Prospectus&rdquo;) or that would otherwise constitute a
&ldquo;free writing prospectus&rdquo; as defined in Rule 405 of the Securities Act) required to be filed by the Company with the Commission
or retained by the Company under Rule 433 of the Securities Act; provided that the prior written consent of the Representatives shall
be deemed to have been given in respect of any Free Writing Prospectus included in Schedule II hereto. Any such free writing prospectus
consented to by the Representatives is hereinafter referred to as a &ldquo;Permitted Free Writing Prospectus.&rdquo; The Company agrees
that (i) it has treated and will treat, as the case may be, each Permitted Free Writing Prospectus as an Issuer Free Writing Prospectus,
and (ii) has complied or will comply, as the case may be, with the requirements of Rules 164 and 433 of the Securities Act applicable
to any Permitted Free Writing Prospectus, including in respect of timely filing with the Commission, legending and record keeping. The
Company consents to the use by any Underwriter of (i) a free writing prospectus that contains no &ldquo;issuer information&rdquo; (as
defined in Rule 433(h)(2) under the Securities Act) that was not included (including through incorporation by reference) in the Prospectus
or a previously filed Issuer Free Writing Prospectus, (ii) any Issuer Free Writing Prospectus listed on Schedule II hereto, or (iii) (x)
information describing the preliminary terms of the Shares or their offering or (y) information that describes the final terms of the
Shares or their offering and that is included in the Final Term Sheet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To advise
the Representatives promptly and, if requested by the Representatives, to confirm such advice in writing, (i) of any request by the Commission
for amendments to the Registration Statement or amendments or supplements to the Prospectus or the Disclosure Package or for additional
information, (ii) of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or of
the suspension of qualification of the Shares for offering or sale in any jurisdiction, or the initiation of any proceeding for such purposes,
and (iii) of the happening of any event during the Prospectus Delivery Period which makes any statement of a material fact made in the
Registration Statement or the Prospectus untrue or which requires the making of any additions to or changes in the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Registration
Statement or the Prospectus in order to make the statements therein not misleading. To prepare and file with the Commission, promptly
upon the Representatives&rsquo; reasonable request, any amendment or supplement to the Registration Statement, the Base Prospectus, the
Prospectus or the Disclosure Package which may be necessary or advisable in connection with the distribution of the Shares by the Underwriters,
and to use its best efforts to cause any such post-effective amendment to the Registration Statement to become promptly effective. If
at any time the Commission shall issue any stop order suspending the effectiveness of the Registration Statement, the Company will make
every reasonable effort to obtain the withdrawal or lifting of such order at the earliest possible time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To furnish
to each Underwriter, without charge, signed copies of the Registration Statement as first filed with the Commission and of each amendment
to it, including all exhibits, and to furnish to each Underwriter such number of conformed copies of the Registration Statement as so
filed and of each amendment to it, without exhibits, as such Underwriter may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the Prospectus Delivery Period, to furnish to each Underwriter and dealer as many copies of the Base Prospectus and the Prospectus (each
as amended or supplemented) as such Underwriter or dealer may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to any public offering of the Shares, to cooperate with the Representatives and counsel for the Underwriters in connection with the registration
or qualification of the Shares for offer and sale by the several Underwriters and by dealers under the state securities or Blue Sky laws
of such jurisdictions as the Representatives may request, to continue such qualification in effect so long as required for distribution
of the Shares and to file such consents to service of process or other documents as may be necessary in order to effect such registration
or qualification, provided that in no event shall the Company be obligated to qualify to do business in any jurisdiction where it is not
so qualified or take any action that would subject it to service of process in suits other than those arising out of the offering or sale
of the Shares in any jurisdiction where it is not now so subject.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To make
generally available to its security holders as soon as reasonably practicable an earnings statement covering a period of at least twelve
months after the effective date of the Registration Statement which shall satisfy the provisions of Section 11(a) of the Securities Act
and Rule 158 under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If at
any time during the five year period after the date of this Agreement, the Company ceases to file reports with the Commission pursuant
to Section 13 or 15(d) of the Exchange Act, (i) to mail as soon as reasonably practicable after the end of each fiscal year to the record
holders of the Shares a financial report of the Company and its subsidiaries on a consolidated basis (and a similar financial report of
all unconsolidated subsidiaries, if any), all such financial reports to include a consolidated balance sheet, a consolidated statement
of operations, a consolidated statement of cash flows and a consolidated statement of changes in stockholders&rsquo; equity as of the
end of and for such fiscal year, together with comparable information as of the end of and for the preceding year, certified by independent
certified public accountants, and (ii) to mail and make generally available as soon as reasonably practicable after the end of each quarterly
period (except for the last quarterly period of each fiscal year) to such</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">holders,
a consolidated balance sheet, a consolidated statement of operations and a consolidated statement of cash flows (and similar financial
reports of all unconsolidated subsidiaries, if any) as of the end of and for such period, and for the period from the beginning of such
year to the close of such quarterly period, together with comparable information for the corresponding periods of the preceding year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To pay
all costs, expenses, fees and taxes incident to (i) the preparation, printing, filing and distribution under the Securities Act of the
Base Prospectus, each preliminary prospectus and all amendments and supplements to any of them prior to or during the Prospectus Delivery
Period, any Issuer Free Writing Prospectus and the Disclosure Package, (ii) the printing and delivery of the Prospectus and all amendments
or supplements to it during the Prospectus Delivery Period, (iii) the registration or qualification of the Shares for offer and sale under
the securities or Blue Sky laws of the several states (including in each case the fees and disbursements of counsel for the Underwriters
relating to such registration or qualification and memoranda relating thereto), (iv) the listing of the Shares with the New York Stock
Exchange (the &ldquo;NYSE&rdquo;), (v) filings and clearance with the Financial Industry Regulatory Authority, Inc. in connection with
the offering, (vi) furnishing such copies of the Registration Statement, the Prospectus and all amendments and supplements thereto as
may be requested for use in connection with the offering or sale of the Shares by the Underwriters or by dealers to whom Shares may be
sold, (vii) the rating agencies in connection with the ratings of the Shares, (viii) the preparation, issuance, execution and delivery
of the Shares and (ix) the fees and expenses of any transfer agent or registrar in connection with the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To apply
the net proceeds from the sale of the Shares in the manner described under the caption &ldquo;Use of Proceeds&rdquo; in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To use
its best efforts to do and perform all things required or necessary to be done and performed under this Agreement by the Company prior
to the Closing Date and to satisfy all conditions precedent to the delivery of the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
the period ending 30 days after the date of the Prospectus, the Company will not (i) offer, pledge, announce the intention to sell, contract
to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase
or otherwise transfer or dispose of, directly or indirectly, any Preferred Stock or Depositary Shares, any other preferred stock of the
Company (or depositary shares in respect thereof), or any securities convertible into or exercisable or exchangeable for Preferred Stock,
Depositary Shares, or any other preferred stock of the Company (or depositary shares in respect thereof), or (ii) enter into any swap
or other agreement that transfers, in whole or in part, any of the economic consequences of ownership of Preferred Stock or Depositary
Shares, whether any such transaction described in clause (i) or (ii) above is to be settled by delivery of Preferred Stock or Depositary
Shares or such other securities, in cash or otherwise, without the prior written consent of the Representatives, other than the Preferred
Stock and Depositary Shares to be sold hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
to take, directly or indirectly, any action designed to or that could reasonably be expected to cause or result in any stabilization or
manipulation of the price of the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To use
its best efforts to list within 30 days from the Closing Date, subject to notice of issuance, the Shares on the NYSE and to maintain such
listing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To maintain
a transfer agent and, if necessary under the jurisdiction of incorporation of the Company, a registrar for the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties of the Company</U>. The Company represents and warrants to each Underwriter on the date hereof, and shall be deemed to
represent and warrant to each Underwriter on the Closing Date, that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company meets the requirements for use of Form S-3 under the Securities Act. The Registration Statement has become effective; no stop
order suspending the effectiveness of the Registration Statement is in effect, and, to the best of the Company&rsquo;s knowledge, no proceedings
for such purpose are pending before or threatened by the Commission. No order preventing the use of any preliminary prospectus or any
Issuer Free Writing Prospectus has been issued by the Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)
At the time of filing the Registration Statement, (ii) at the time of the most recent amendment thereto for the purposes of complying
with Section 10(a)(3) of the Securities Act (whether such amendment was by post-effective amendment, incorporated report filed pursuant
to Section 13 or 15(d) of the Exchange Act or form of prospectus), and (iii) at the time the Company or any person acting on its behalf
(within the meaning, for this clause only, of Rule 163(c)) made any offer relating to the Shares in reliance on the exemption of Rule
163, the Company was a &ldquo;well-known seasoned issuer&rdquo; as defined in Rule 405, including not having been an &ldquo;ineligible
issuer&rdquo; as defined in Rule 405.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Registration Statement is an &ldquo;automatic shelf registration statement&rdquo; as defined in Rule 405, that initially became effective
within three years of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company has not received from the Commission any notice pursuant to Rule 401(g) objecting to the use of the automatic shelf registration
statement form. If at any time during the Prospectus Delivery Period the Company receives from the Commission a notice pursuant to Rule
401(g)(2) or otherwise ceases to be eligible to use the automatic shelf registration statement form, the Company will (i) promptly notify
the Representatives, (ii) promptly file a new registration statement or post-effective amendment on the proper form relating to the Shares,
in a form satisfactory to the Representatives, (iii) use its best efforts to cause such registration statement or post-effective amendment
to be declared effective as soon as practicable, and (iv) promptly notify the Representatives of such effectiveness. The Company will
take all other action necessary or appropriate to permit the public offering and sale of the Shares to continue as contemplated in the
registration statement that was the subject of the Rule&nbsp;401(g)(2) notice or for which the Company has otherwise become ineligible.
References herein to the Registration Statement shall include such new registration statement or post-effective amendment, as the case
may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company agrees to pay the required Commission filing fees relating to the Shares within the time required by Rule 456(b)(1) without regard
to the proviso therein and otherwise in accordance with Rules 456(b) and 457(r).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)
At the respective times the Registration Statement and any post-effective amendment thereto became or becomes effective prior to the Closing
Date, neither the Registration Statement nor such amendment included or will include an untrue statement of a material fact or omitted
or will omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading, (ii)
the Registration Statement and the Prospectus comply and, as amended or supplemented, if applicable, as of the date such amendment becomes
effective or such supplement is filed with the Commission, as the case may be, will comply in all material respects with the Securities
Act, (iii) the Prospectus does not contain and, as amended or supplemented, if applicable, as of the date such amendment becomes effective
or such supplement is filed with the Commission, as the case may be, will not contain any untrue statement of a material fact or omit
to state a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading,
except that the representations and warranties set forth in this paragraph (f) do not apply to statements or omissions in the Registration
Statement or the Prospectus based upon information relating to any Underwriter furnished to the Company in writing by such Underwriter
expressly for use therein, it being understood and agreed that the only such information furnished by or on behalf of any Underwriter
consists of the information described as such in Section 8 hereof and (iv) the documents incorporated by reference in the Prospectus pursuant
to Item 12 of Form S-3 under the Securities Act, at the time they were or hereafter are filed with the Commission prior to the Closing
Date, complied and will comply in all material respects with the requirements of the Exchange Act, and, when read together and with the
other information in the Prospectus, as of the date of the Prospectus and at all times subsequent thereto up to the Closing Date, did
not and will not contain an untrue statement of material fact or did not and will not omit to state a material fact required to be stated
therein or necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
term &ldquo;Disclosure Package&rdquo; shall mean (i) the Base Prospectus, including the preliminary prospectus supplement dated April
29, 2021, as amended or supplemented at the Time of Sale (as defined below), and (ii) the Issuer Free Writing Prospectuses, if any, identified
on Schedule II hereto. As of the Time of Sale, the Disclosure Package did not contain any untrue statement of a material fact or omit
to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were
made, not misleading. The preceding sentence does not apply to statements in or omissions from the Disclosure Package based upon and in
conformity with written information furnished to the Company by any Underwriter through the Representatives specifically for use therein,
it being understood and agreed that the only such information furnished by or on behalf of any Underwriter consists of the information
described as such in Section 8 hereof. As used in this paragraph and elsewhere in this Agreement &ldquo;Time of Sale&rdquo; shall mean
3:00 p.m., New York City time, on April 29, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Issuer Free Writing Prospectus does not include any information that conflicts with the information contained in the Registration Statement,
including any document incorporated by reference therein that has not been superseded or modified. The foregoing sentence does not apply
to statements in or omissions from any Issuer Free Writing Prospectus based upon and in conformity with written information furnished
to the Company by any Underwriter through the Representatives specifically for use therein, it being understood and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">agreed that
the only such information furnished by or on behalf of any Underwriter consists of the information described as such in Section 8 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company has not distributed and will not distribute, prior to the later of the Closing Date and the completion of the Underwriters&rsquo;
distribution of the Shares, any offering materials in connection with the offering and sale of the Shares other than a preliminary prospectus,
the Prospectus, and any Issuer Free Writing Prospectus reviewed and consented to by the Representatives and included in Schedule II hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and each of its subsidiaries that is a &ldquo;Significant Subsidiary&rdquo; within the meaning of such term as defined in Rule
1-02 of Regulation S-X of the Commission (the &ldquo;Significant Subsidiaries&rdquo;) is validly existing as a corporation (or, in the
case of each of Capital One Bank (USA), National Association and Capital One, National Association, as a national banking association
organized under the laws of the United States) in good standing under the laws of its jurisdiction of incorporation and has in all material
respects the corporate power and authority to operate its business as it is currently being conducted and to own, lease and operate its
properties, and each is duly qualified and is in good standing as a foreign corporation authorized to do business in each jurisdiction
in which the nature of its business or its ownership or leasing of property requires such qualification, except where the failure to be
so qualified would not have a material adverse effect on the Company and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
of the outstanding shares of capital stock of, or other ownership interests in, each of the Company&rsquo;s Significant Subsidiaries have
been duly authorized and validly issued and are fully paid and non-assessable, and are owned by the Company, free and clear of any security
interest, claim, lien, encumbrance or adverse interest of any nature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company has an authorized capitalization as set forth under the consolidated balance sheet data contained in the Company&rsquo;s Annual
Report on Form 10-K for the year ended December 31, 2020; all of the outstanding shares of capital stock of the Company have been duly
authorized and validly issued and are fully paid and non-assessable and are not subject to any preemptive or similar rights; except as
described in the Registration Statement, the Prospectus and the Disclosure Package, there are no outstanding rights (including, without
limitation, pre-emptive rights), warrants or options to acquire, or instruments convertible into or exchangeable for, any shares of capital
stock or other equity interest in the Company or any of its subsidiaries, or any contract, commitment, agreement, understanding or arrangement
of any kind relating to the issuance of any capital stock of the Company or any such subsidiary, any such convertible or exchangeable
securities or any such rights, warrants or options; the capital stock of the Company, including the Shares and the Preferred Stock, conforms
in all material respects to the description thereof contained in the Registration Statement, the Prospectus and the Disclosure Package.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Shares have been duly authorized and, when issued and delivered to the Underwriters against payment therefor as provided by this Agreement,
will be validly issued and, upon deposit of the Preferred Stock with the Depositary pursuant to the Deposit Agreement, and the due execution
of the Deposit Agreement and the Depositary Receipts by the Depositary, will be entitled to the rights under, and the benefits of, the
Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Preferred Stock represented by the Shares has been duly authorized and, when the Shares are issued and delivered against payment therefor
pursuant to this Agreement, the Preferred Stock will be validly issued, fully paid and non-assessable, and will have the rights set forth
in the Certificate of Designations for the Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement has been duly authorized, executed and delivered by the Company and is a valid and binding agreement of the Company enforceable
in accordance with its terms except as may be limited by (i) bankruptcy, insolvency or similar laws affecting creditors&rsquo; rights
generally, (ii) equitable principles of general applicability and (iii) applicable law limiting rights to indemnity and contribution hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Deposit Agreement has been duly authorized, executed and delivered by the Company and is a valid and binding agreement of the Company
enforceable in accordance with its terms except as may be limited by (i) bankruptcy, insolvency or similar laws affecting creditors&rsquo;
rights generally, (ii) equitable principles of general applicability and (iii) applicable law limiting rights to indemnity and contribution
hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
the Company nor any of its Significant Subsidiaries is in violation of its respective charter or by-laws or in default in any material
respect in the performance of any obligation, agreement or condition contained in any bond, debenture, note or other evidence of indebtedness
material to the Company and its subsidiaries, taken as a whole, or in any other agreement, indenture or instrument material to the conduct
of the business of the Company and its subsidiaries, taken as a whole, to which the Company or any of its Significant Subsidiaries is
a party or by which it or any of its Significant Subsidiaries or their respective property is bound.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
execution, delivery and performance of this Agreement and the Deposit Agreement, the issuance and sale of the Shares and compliance by
the Company with all the provisions hereof and thereof and the consummation by the Company of the transactions contemplated hereby and
thereby will not require any consent, approval, authorization or other order of any court, regulatory body, administrative agency or other
governmental body (except those that have been previously received from the U.S. Department of the Treasury and the Federal Reserve Board
and as such may be required under the securities or Blue Sky laws of the various states) and will not conflict with or constitute a breach
of any of the terms or provisions of, or a default under, the charter or by-laws of the Company or any of its Significant Subsidiaries
or any material indenture, agreement, or other instrument to which it or any of its Significant Subsidiaries is a party or by which it
or any of its Significant Subsidiaries or their respective property is bound, or violate or conflict with any laws, administrative regulations
or rulings or court decrees applicable to the Company, any of its Significant Subsidiaries or their respective property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise set forth in the Disclosure Package, there are no material legal or governmental proceedings pending to which the Company
or any of its subsidiaries is a party or of which any of their respective property is the subject, and, to the best of the Company&rsquo;s
knowledge, no such proceedings are threatened or contemplated. No contract or document of a character required to be described in the
Registration Statement or the Prospectus or to be filed as an exhibit to the Registration Statement is not so described or filed as required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and each of its Significant Subsidiaries are in compliance in all material respects with all laws administered by and regulations
of the U.S. Department of Treasury, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the
Office of the Comptroller of the Currency, and any other federal or state bank regulatory authority with jurisdiction over the Company
or any of its subsidiaries (the &ldquo;Bank Regulatory Authorities&rdquo;), other than where such failures to comply would not have a
material adverse effect on the Company and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and each of its subsidiaries has such permits, licenses, franchises and authorizations of governmental or regulatory authorities
(&ldquo;permits&rdquo;), as are necessary to own, lease and operate its respective properties that are material to the Company and its
subsidiaries, taken as a whole, or to the conduct of the business of the Company and its subsidiaries, taken as a whole; the Company and
each of its subsidiaries has fulfilled and performed all of its material obligations with respect to such permits and no event has occurred
which allows, or after notice or lapse of time would allow, revocation or termination thereof or results in any other material impairment
of the rights of the holder of any such permit; and, except as described in the Disclosure Package and the Prospectus, such permits contain
no restrictions that are materially burdensome to the Company and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ernst
&amp; Young LLP are independent public accountants with respect to the Company as required by the Securities Act and by the rules of the
Public Company Accounting Oversight Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
consolidated financial statements, together with related schedules and notes forming part of the Registration Statement, the Disclosure
Package and the Prospectus (and any amendment or supplement thereto), present fairly in all material respects the consolidated financial
position, results of operations and cash flows of the Company and its consolidated subsidiaries on the basis stated in the Registration
Statement at the respective dates or for the respective periods to which they apply; such statements and related schedules and notes have
been prepared in accordance with generally accepted accounting principles consistently applied throughout the periods involved, except
as disclosed therein; and the other financial and statistical information and data set forth in the Registration Statement, the Disclosure
Package and the Prospectus (and any amendment or supplement thereto) is, in all material respects, accurately presented and prepared on
a basis consistent with such consolidated financial statements and the books and records of the Company. The interactive data in eXtensible
Business Reporting Language included or incorporated by reference in the Registration Statement, the Disclosure Package and the Prospectus
fairly presents the information called for in all material respects and has been prepared in accordance with the Commission&rsquo;s rules
and guidelines applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company is not, and will not be after giving effect to the consummation of the transactions contemplated by this Agreement, including
the application of the net proceeds from the sale of the Shares, required to register as an &ldquo;investment company&rdquo; under the
provisions of the Investment Company Act of 1940, as amended (the &ldquo;Investment Company Act&rdquo;), and is not required to take any
other action with respect to or under the Investment Company Act for such transactions or the offer and sale of the Shares as contemplated
hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company maintains (i) effective internal control over financial reporting as defined under Rule 13a-15(f) and 15d-15(f) under the Exchange
Act and effective disclosure controls and procedures as defined in Rule 13a-15(e) under the Exchange Act, and (ii) a system of internal
accounting controls sufficient to provide reasonable assurance that (A) transactions are executed in accordance with management&rsquo;s
general or specific authorizations; (B) transactions are recorded as necessary to permit preparation of financial statements in conformity
with generally accepted accounting principles and to maintain asset accountability; (C) access to assets is permitted only in accordance
with management&rsquo;s general or specific authorization; and (D) the recorded accountability for assets is compared with the existing
assets at reasonable intervals and appropriate action is taken with respect to any differences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in the Prospectus and the Disclosure Package, or in any document incorporated by reference therein, since the end of the
Company&rsquo;s most recent audited fiscal year, there has been (i) no material weakness in the Company&rsquo;s internal control over
financial reporting (whether or not remediated) and (ii) no change in the Company&rsquo;s internal control over financial reporting that
has materially affected, or is reasonably likely to materially affect, the Company&rsquo;s internal control over financial reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(aa)&#9;None of the Company, any of its subsidiaries,
or, to the knowledge of the Company, any director, officer, agent, employee or affiliate of the Company or any of its subsidiaries is
aware of or has (i)&nbsp;taken any action, directly or indirectly, that would result in a violation by such persons of the Foreign Corrupt
Practices Act of 1977, as amended, and the rules and regulations thereunder (the &ldquo;FCPA&rdquo;), including, without limitation, making
use of the mails or any means or instrumentality of interstate commerce corruptly in furtherance of an offer, payment, promise to pay
or authorization of the payment of any money, or other property, gift, promise to give, or authorization of the giving of anything of
value to any &ldquo;foreign official&rdquo; (as such term is defined in the FCPA) or any foreign political party or official thereof or
any candidate for foreign political office, in contravention of the FCPA; or (ii)&nbsp;violated or is in violation of any provision of
the FCPA, or any applicable law or regulation implementing the OECD Convention on Combating Bribery of Foreign Public Officials in International
Business Transactions, or committed an offence under the Bribery Act 2010 of the United Kingdom, or any other applicable anti-bribery
or anti-corruption law. The Company and its subsidiaries have instituted, maintain and enforce, and reasonably expect to continue to maintain
and enforce, policies and procedures designed to ensure compliance with applicable anti-bribery and anti-corruption laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(bb)&#9;None of the Company, any of its subsidiaries
or, to the knowledge of the Company, any director, officer, agent, employee or affiliate of the Company or any of its subsidiaries, is
currently the subject or target of any sanctions administered or enforced by the U.S. Office of Foreign Assets Control of the U.S. Department
of the Treasury, the U.S. Department of State, the United Nations Security Council, the European Union or Her Majesty&rsquo;s Treasury
(collectively, &ldquo;Sanctions&rdquo;), or is located or organized in a country or territory that is the subject or target of Sanctions;
and the Company will not directly or indirectly use the proceeds of the offering of the Shares hereunder, or lend, contribute, or otherwise
make available such proceeds to any subsidiary, joint venture partner or other person or entity, (i) for the purpose of financing the
activities of or with any person or entity or in any country or territory that, at the time of such financing, is the subject or target
of Sanctions (ii) in any other manner that will</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">result in
a violation of Sanctions by any person (including any person participating in the offering of the Shares, whether as an underwriter,
advisor, investor or otherwise).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(cc)&#9;The operations of the Company and its subsidiaries
are in material compliance with applicable financial recordkeeping and reporting requirements, including those of the Currency and Foreign
Transactions Reporting Act of 1970, as amended, Title III of the Uniting and Strengthening America by Providing Appropriate Tools Required
to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act), the applicable anti-money laundering statutes of all jurisdictions
in which the Company and its subsidiaries conduct business, the rules and regulations thereunder and any related or similar rules, regulations
or guidelines, issued, administered or enforced by any governmental agency having jurisdiction over the Company and its subsidiaries (collectively,
the &ldquo;Anti-Money Laundering Laws&rdquo;) and no action, suit or proceeding by or before any court or governmental agency, authority
or body or any arbitrator involving the Company or any of its subsidiaries with respect to the Anti-Money Laundering Laws is pending or,
to the best knowledge of the Company, threatened, which could reasonably be expected to have a material adverse effect on the Company
and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(dd)&#9;The Company has not taken, directly or indirectly,
any action designed to or that could reasonably be expected to cause or result in any stabilization or manipulation of the price of the
Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(ee)&#9;Except as disclosed in the Prospectus and
the Disclosure Package, or in any document incorporated by reference therein or except as would not reasonably be expected to have a material
adverse effect on the Company and its subsidiaries, taken as a whole, (A)(x) the Company is not aware of any security breach or other
compromise of or relating to any of the Company&rsquo;s information technology and computer systems, networks, websites, applications,
hardware, software, data (including the data of customers, employees, suppliers, vendors and any other third party data), equipment or
technology (collectively, &ldquo;IT Systems and Data&rdquo;) used in the business of the Company and its subsidiaries; and (y) the Company
and its subsidiaries have not been notified of, and have no knowledge of, any event or condition that would reasonably be expected to
result in, any security breach or other compromise to their IT Systems and Data; and (B) the Company is presently in compliance with all
applicable laws or statutes and all judgments, orders, rules and regulations of any court or arbitrator or governmental or regulatory
authority, internal policies and contractual obligations relating to the privacy and security of IT Systems and Data and to the protection
of such IT Systems and Data from unauthorized use, access, misappropriation or modification. The Company and its subsidiaries have implemented
backup and disaster recovery technology reasonably consistent with industry standards and practices, and have implemented and maintain
controls, policies, procedures and technological safeguards to maintain and protect the integrity, continuous operation, redundancy and
security of their IT Systems and Data reasonably consistent with industry standards and practices, or as required by applicable regulatory
standards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties of the Underwriters</U>. Each Underwriter hereby represents and agrees that it has not and will not make any offer relating
to the Shares that would constitute a &ldquo;free writing prospectus&rdquo; as defined in Rule 405 under the Securities Act without the
prior consent of the Company or as permitted in Section 5(e) above and that Schedule II hereto is</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">a complete
list of any free writing prospectuses for which the Underwriters have received such consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification.</U>
a) The Company agrees to indemnify and hold harmless each Underwriter, each of its directors, officers and agents, and each person, if
any, who controls any Underwriter within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act, and each affiliate
of any Underwriter within the meaning of Rule 405 under the Securities Act, from and against any and all losses, claims, damages, liabilities
and judgments arising out of or based upon any untrue statement or alleged untrue statement of a material fact contained in the Registration
Statement, the Prospectus, the Disclosure Package or any Issuer Free Writing Prospectus (each as amended or supplemented if the Company
shall have furnished any amendments or supplements thereto) or any preliminary prospectus, or arising out of or based upon any omission
or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading,
except insofar as such losses, claims, damages, liabilities or judgments are caused by any such untrue statement or omission or alleged
untrue statement or omission based upon information relating to any Underwriter furnished in writing to the Company by or on behalf of
such Underwriter through the Representatives expressly for use therein, it being understood and agreed that the only such information
furnished by or on behalf of any Underwriter consists of the information described as such in Section 8(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In case
any action shall be brought against any indemnified party based upon any preliminary prospectus, the Registration Statement, the Prospectus
or the Disclosure Package or any amendment or supplement thereto and with respect to which indemnity may be sought against the Company,
such indemnified party shall promptly notify the Company in writing and the Company shall have the right to participate therein and, to
the extent that it may elect by written notice delivered to such indemnified party promptly after receiving the aforesaid notice from
such indemnified party, assume the defense thereof, including the employment of counsel reasonably satisfactory to such indemnified party
and payment of all fees and expenses. Any indemnified party shall have the right to employ separate counsel in any such action and participate
in the defense thereof, but the fees and expenses of such counsel shall be at the expense of such indemnified party unless (i) the employment
of such counsel shall have been specifically authorized in writing by the Company, (ii) the Company shall have failed to assume the defense
and employ counsel or (iii) the named parties to any such action (including any impleaded parties) include both such indemnified party
and the Company and such indemnified party shall have been advised by such counsel that there may be one or more legal defenses available
to it which are different from or additional to those available to the Company (in which case the Company shall not have the right to
assume the defense of such action on behalf of such indemnified party, it being understood, however, that the Company shall not, in connection
with any one such action or separate but substantially similar or related actions in the same jurisdiction arising out of the same general
allegations or circumstances, be liable for the reasonable fees and expenses of more than one separate firm of attorneys (in addition
to any local counsel) for all such indemnified parties, which firm shall be designated in writing by the Representatives, and that all
such reasonable fees and expenses shall be reimbursed as they are incurred). The Company shall not be liable for any settlement of any
such action effected without its written consent but if settled with the written consent of the Company, the Company agrees to indemnify
and hold harmless any indemnified party from and against any loss or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">liability
by reason of such settlement. No indemnifying party shall, without the prior written consent of the indemnified party, effect any settlement
of any pending or threatened proceeding in respect of which any indemnified party is or could have been a party and indemnity could have
been sought hereunder by such indemnified party, unless such settlement includes (i) an unconditional release of such indemnified party
from all liability on claims that are the subject matter of such proceeding and (ii) does not include any statement as to, or an admission
of, fault, culpability or failure to act by or on behalf of any indemnified party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Underwriter agrees, severally and not jointly, to indemnify and hold harmless the Company, each of its directors and each of its officers
who signs the Registration Statement and each person controlling the Company within the meaning of Section 15 of the Securities Act or
Section 20 of the Exchange Act, to the same extent as the foregoing indemnity from the Company to each Underwriter but only to the extent
of losses, claims, damages, liabilities and judgments arising out of or based upon information relating to such Underwriter furnished
in writing by or on behalf of such Underwriter expressly for use in the Registration Statement, the Base Prospectus, the Disclosure Package
or the Prospectus. The Representatives confirm that (i) the Underwriters&rsquo; names on the cover page of and appearing in the first
paragraph and in the table appearing under the caption &ldquo;Underwriting&rdquo; in the preliminary prospectus supplement and the Prospectus,
(ii) the fourth paragraph, the fifth and sixth sentences of the eighth paragraph, the tenth paragraph, the eleventh paragraph, the first
sentence of the twelfth paragraph, and the thirteenth paragraph under the heading &ldquo;Underwriting&rdquo; in the preliminary prospectus
supplement and (iii) the third paragraph, the fifth and sixth sentences of the seventh paragraph, the ninth paragraph, the tenth paragraph,
the first sentence of the eleventh paragraph, and the twelfth paragraph under the heading &ldquo;Underwriting&rdquo; in the Prospectus
were furnished in writing to the Company by or on behalf of the Underwriters expressly for use therein. In case any action shall be brought
against the Company, any of its directors, any such officer or any person controlling the Company based on the Registration Statement,
the Base Prospectus, any preliminary prospectus or the Prospectus and in respect of which indemnity may be sought against any Underwriter,
the Underwriter shall have the rights and duties given to the Company, and the Company, its directors, any such officers and any person
controlling the Company shall have the rights and duties given to the Underwriter, by Section 8(b) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the
indemnification provided for in paragraphs (a), (b) and (c) of this Section 8 is unavailable to an indemnified party in respect of any
losses, claims, damages, liabilities or judgments referred to therein, then each indemnifying party, in lieu of indemnifying such indemnified
party, shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages, liabilities
and judgments (i) in such proportion as is appropriate to reflect the relative benefits received by the indemnifying party on the one
hand and the indemnified party on the other hand from the offering of the Shares or (ii) if the allocation provided by clause (i) above
is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause
(i) above but also the relative fault of the indemnifying party on the one hand and the indemnified party on the other hand in connection
with the statements or omissions which resulted in such losses, claims, damages, liabilities or judgments, as well as any other relevant
equitable considerations. The relative benefits received by the Company and the Underwriters shall be deemed to be in the same respective
proportion as the total net proceeds from the offering of the Shares (before deducting expenses) received by the Company, and the total
underwriting discounts and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 15; Value: 2 -->
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">commissions
received by the Underwriters, bear to the total price to the public of the Shares, in each case as set forth in the table on the cover
page of the Prospectus. The relative fault of the Company and the Underwriters shall be determined by reference to, among other things,
whether the untrue or alleged untrue statement of a material fact or the omission to state a material fact relates to information supplied
by the Company or the Underwriters and the parties&rsquo; relative intent, knowledge, access to information and opportunity to correct
or prevent such statement or omission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Company and the Underwriters agree that it
would not be just and equitable if contribution pursuant to this Section 8(d) were determined by pro rata allocation (even if the Underwriters
were treated as one entity for such purpose) or by any other method of allocation which does not take account of the equitable considerations
referred to in the immediately preceding paragraph. The amount paid or payable by an indemnified party as a result of the losses, claims,
damages, liabilities or judgments referred to in the immediately preceding paragraph shall be deemed to include, subject to the limitations
set forth above, any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending
any such action or claim. Notwithstanding the provisions of this Section 8, no Underwriter shall be required to contribute any amount
in excess of the amount by which the total price at which the Shares underwritten by it and distributed to the public were offered to
the public exceeds the amount of any damages which such Underwriter has otherwise been required to pay by reason of such untrue or alleged
untrue statement or omission or alleged omission. No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f)
of the Securities Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The
Underwriters&rsquo; respective obligations to contribute pursuant to this Section 8(d) are several in proportion to the respective number
of Shares purchased by each of the Underwriters hereunder and not joint.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this Section 8, each person, if
any, who controls an Underwriter within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act and each Underwriter&rsquo;s
affiliates, officers, directors and agents shall have the same rights to contribution as such Underwriter, and each director of the Company,
each officer of the Company who signed the Registration Statement, and each person, if any, who controls the Company within the meaning
of Section 15 of the Securities Act or Section 20 of the Exchange Act shall have the same rights to contribution as the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
of Underwriters&rsquo; Obligations</U>. The several obligations of the Underwriters to purchase the Shares under this Agreement are subject
to the satisfaction of each of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
the representations and warranties of the Company contained in this Agreement shall be true and correct on the Closing Date with the same
force and effect as if made on and as of the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Prospectus shall have been filed with the Commission in the manner and within the time period required by Rule 424(b) under the Securities
Act, and at the Closing Date, no stop order suspending the effectiveness of the Registration Statement shall have been</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">issued and
no proceedings for that purpose shall have been commenced or shall be pending before or, to the best knowledge of the Company, contemplated
by the Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Final Term Sheet and any other material required to be filed by the Company pursuant to Rule 433(d) under the Securities Act, shall have
been filed with the Commission within the applicable time periods prescribed for such filings under Rule 433.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subsequent
to the execution and delivery of this Agreement and prior to the Closing Date, there shall not have been any downgrading, nor shall any
notice have been given of any intended or potential downgrading or of any review for a possible change that does not indicate the direction
of the possible change, in the rating accorded any of the Company&rsquo;s securities by any &ldquo;nationally recognized statistical rating
organization,&rdquo; as such term is defined under Section 3(a)(62) of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)
Since the date of the latest balance sheet included in the Registration Statement and the Prospectus, there shall not have been any material
adverse change, or any development involving a prospective material adverse change, in the condition, financial or otherwise, or in the
earnings, affairs or business prospects, whether or not arising in the ordinary course of business, of the Company and its subsidiaries
taken as a whole, except as set forth or contemplated in the Registration Statement and the Prospectus, (ii) since the date of the latest
balance sheet included in the Registration Statement and the Prospectus there shall not have been any material adverse change, or any
development involving a prospective material adverse change, in the capital stock or in the long-term debt of the Company from that set
forth or contemplated in the Registration Statement and Prospectus, (iii) the Company and its subsidiaries shall have no liability or
obligation, direct or contingent, which is material to the Company and its subsidiaries, taken as a whole, other than those reflected
in the Registration Statement and the Prospectus and (iv) on the Closing Date, the Underwriters shall have received a certificate dated
the Closing Date, signed by the Treasurer of the Company, confirming the matters set forth in paragraphs (a), (b), (c), (d) and (e) (i)
&ndash; (iii) of this Section 9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Underwriters shall have received on the Closing Date an opinion (reasonably satisfactory to the Representatives and counsel for the Underwriters,
as applicable), dated the Closing Date, of the Chief Counsel, Corporate Advisory, Securities and Transactions, or the General Counsel
of the Company or such other person as the Representatives and the Company may agree. The opinion of such counsel shall be rendered to
the Underwriters at the request of the Company and shall so state therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Underwriters shall have received on the Closing Date an opinion (reasonably satisfactory to the Representatives and counsel for the Underwriters,
as applicable), dated the Closing Date, of Davis Polk &amp; Wardwell LLP, special counsel to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Underwriters shall have received on the Closing Date, an opinion, dated the Closing Date, of Mayer Brown LLP, counsel for the Underwriters,
covering such matters as the Representatives may request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Underwriters shall have received letters on and as of the date hereof and on and as of the Closing Date, in form and substance satisfactory
to the Representatives,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">from Ernst
&amp; Young LLP, independent public accountants, with respect to the financial statements and certain financial information of the Company
contained in the Registration Statement, any preliminary prospectus and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall not have failed at or prior to the Closing Date to perform or comply with any of the agreements herein contained and required
to be performed or complied with by the Company at or prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective
Date of Agreement and Termination</U>. This Agreement shall become effective upon the execution of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Agreement may be terminated at any time prior
to the Closing Date by the Representatives by written notice to the Company if any of the following has occurred: (i) since the respective
dates as of which information is given in the Registration Statement and the Prospectus and since the Time of Sale, any material adverse
change or development involving a prospective material adverse change (including, without limitation, the enactment, publication, decree
or other promulgation of any federal or state statute, regulation, rule or order of any court or other governmental authority) in the
condition, financial or otherwise, of the Company and its subsidiaries taken as a whole or the earnings, affairs, or business prospects
of the Company and its subsidiaries taken as a whole, whether or not arising in the ordinary course of business, which would, in the judgment
of the Representatives, make it impracticable to market the Shares on the terms and in the manner contemplated in the Prospectus, (ii)
any outbreak or escalation of hostilities or other national or international calamity or crisis (including, without limitation, an act
of terrorism) or change in economic conditions or in the financial markets of the United States or elsewhere that, in the judgment of
the Representatives, is material and adverse and would, in the judgment of the Representatives, make it impracticable to market the Shares
on the terms and in the manner contemplated in the Prospectus, (iii) the suspension or material limitation of trading in securities generally,
or in the securities of the Company listed, on the NYSE, the NYSE American or The Nasdaq Stock Market, or a limitation on prices on any
such exchange, (iv) a material disruption in securities settlement that makes it impracticable to deliver the Shares in the manner contemplated
by the Prospectus, or (v) the taking of any action by any federal, state or local government or agency in respect of its monetary or fiscal
affairs which in the opinion of the Representatives has a material adverse effect on the financial markets in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If on the Closing Date any one or more of the Underwriters
shall fail or refuse to purchase and pay for any of the Shares which it or they have agreed to purchase hereunder on such date and the
number of Shares which such defaulting Underwriter or Underwriters, as the case may be, agreed but failed or refused to purchase is not
more than one-tenth of the total number of Shares to be purchased on such date by all Underwriters, each non-defaulting Underwriter shall
be obligated severally, in the proportion which the number of Shares set forth opposite its name in Schedule I bears to the total number
of Shares which all the non-defaulting Underwriters, as the case may be, have agreed to purchase, or in such other proportion as the Representatives
may specify, to purchase the Shares which such defaulting Underwriter or Underwriters, as the case may be, agreed but failed or refused
to purchase on such date; provided that in no event shall the number of Shares which any Underwriter has agreed to purchase pursuant to
Section 2 hereof be increased pursuant to this Section 10 by an amount in excess of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">one-ninth
of the number of Shares without the written consent of such Underwriter. If on the Closing Date any Underwriter or Underwriters shall
fail or refuse to purchase Shares and the aggregate number of Shares with respect to which such default occurs is more than one-tenth
of the aggregate number of Shares to be purchased on such date by all Underwriters and arrangements satisfactory to the Representatives
and the Company for purchase of such Shares are not made within 48 hours after such default, this Agreement will terminate without liability
on the part of any non-defaulting Underwriter and the Company. In any such case which does not result in termination of this Agreement,
either the Representatives or the Company shall have the right to postpone the Closing Date, but in no event for longer than seven days,
in order that the required changes, if any, in the Registration Statement and the Prospectus or any other documents or arrangements may
be effected. Any action taken under this paragraph shall not relieve any defaulting Underwriter from liability in respect of any default
of any such Underwriter under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Agency or Fiduciary Duty</U>. The Company acknowledges and agrees that: (i) the purchase and sale of the Shares pursuant to this Agreement,
including the determination of the public offering price of the Shares and any related discounts and commissions, is an arm&rsquo;s length
commercial transaction between the Company, on the one hand, and the several Underwriters, on the other hand, and the Company is capable
of evaluating and understanding and understands and accepts the terms, risks and conditions of the transactions contemplated by this Agreement;
(ii) in connection with each transaction contemplated hereby, each Underwriter is and has been acting solely as a principal and is not
the agent or fiduciary of the Company or its affiliates, stockholders, creditors or employees or any other party; (iii) no Underwriter
has assumed an advisory, agency or fiduciary responsibility in favor of the Company with respect to any of the transactions contemplated
hereby (irrespective of whether such Underwriter has advised or is currently advising the Company on other matters) and no Underwriter
has any obligation to the Company with respect to the offering contemplated hereby except the obligations expressly set forth in this
Agreement; (iv) the several Underwriters and their respective affiliates may be engaged in a broad range of transactions that involve
interests that differ from those of the Company and the several Underwriters have no obligation to disclose any of such interests by virtue
of any advisory, agency or fiduciary relationship; and (v) the Underwriters have not provided any legal, accounting, regulatory or tax
advice with respect to the offering contemplated hereby and the Company has consulted its own legal, accounting, regulatory and tax advisors
to the extent it deemed appropriate. The Company acknowledges that none of the activities of the Underwriters in connection with the offering
of the Shares constitutes a recommendation, investment advice, or solicitation of any action by the Underwriters with respect to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Agreement supersedes all prior agreements
and understandings (whether written or oral) among the Company and the several Underwriters, or any of them, with respect to the subject
matter hereof. The Company hereby waives and releases, to the fullest extent permitted by law, any claims that the Company may have against
the several Underwriters with respect to any breach or alleged breach of agency or fiduciary duty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Recognition
of the U.S. Special Resolution Regimes</U>. (a) In the event that any Underwriter that is a Covered Entity (as defined below) becomes
subject to a proceeding under a U.S. Special Resolution Regime (as defined below), the transfer from such Underwriter of this</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Agreement,
and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer would be effective under
the U.S. Special Resolution Regime if this Agreement, and any such interest and obligation, were governed by the laws of the United States
or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate (as defined below) of such Underwriter becomes subject
to a proceeding under a U.S. Special Resolution Regime, Default Rights (as defined below) under this Agreement that may be exercised against
such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special
Resolution Regime if this Agreement were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">For purposes of this Section 12:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;BHC Act Affiliate&rdquo; has the
meaning assigned to the term &ldquo;affiliate&rdquo; in, and shall be interpreted in accordance with, 12 U.S.C. &sect; 1841(k).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;Covered Entity&rdquo; means any
of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD>a &ldquo;covered entity&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 252.82(b);</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD>a &ldquo;covered bank&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 47.3(b); or</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD>a &ldquo;covered FSI&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 382.2(b).</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;Default Right&rdquo; has the meaning
assigned to that term in, and shall be interpreted in accordance with, 12 C.F.R. &sect;&sect; 252.81, 47.2 or 382.1, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;U.S. Special Resolution Regime&rdquo;
means each of (i) the Federal Deposit Insurance Act and the regulations promulgated thereunder and (ii) Title II of the Dodd-Frank Wall
Street Reform and Consumer Protection Act and the regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>.
Notices given pursuant to any provision of this Agreement shall be addressed as follows: (a) if to the Company, to Capital One Financial
Corporation, 1680&nbsp;Capital One Drive, McLean, Virginia 22102, Attention: Vice President, Treasury Capital Markets, and (b) if to the
Underwriters, to BofA Securities, Inc., 1540 Broadway, NY8-540-26-0<FONT STYLE="color: #1F497D">2</FONT>, New York, New York 10036, Attention:
High Grade Transaction Management/Legal, Facsimile: (212) 901-7881, Email: dg.hg_ua_notices@bofa.com, J.P. Morgan Securities LLC, 383
Madison Avenue, New York, New York 10179, Attention: Investment Grade Syndicate Desk, Facsimile: (212) 834-4533, Morgan Stanley &amp;
Co. LLC, 1585 Broadway, 29th Floor, New York, New York 10036, Attention: Investment Banking Division, Facsimile: (212) 507-8999, RBC Capital
Markets, LLC, 200 Vesey Street, 8th Floor, New York, New York 10281-8098, Attention: Michael Goldberg, Syndicate Director, Facsimile:
(212) 428-6260, UBS Securities LLC, 1285 Avenue of the Americas, New York, New York 10019, Attention: Fixed Income Syndicate, Facsimile:
(203) 719-0495 and Wells Fargo Securities, LLC, 550 South Tryon Street,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">5th Floor,
Charlotte, North Carolina 28202, Attention: Transaction Management, Email: tmgcapitalmarkets@wellsfargo.com or in any case to such other
address as the person to be notified may have requested in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Indemnities to Survive</U>. The respective indemnities, contribution agreements, representations, warranties and other statements
of the Company, its officers and directors and of the several Underwriters set forth in or made pursuant to this Agreement shall remain
operative and in full force and effect, and will survive delivery of and payment for the Shares, regardless of (i) any investigation,
or statement as to the results thereof, made by or on behalf of any Underwriter or by or on behalf of the Company, the officers or directors
of the Company or any controlling person of the Company, (ii) acceptance of the Shares and payment for them hereunder and (iii) termination
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reimbursement
of Underwriters&rsquo; Expenses</U>. If this Agreement shall be terminated by the Underwriters because of any failure or refusal on the
part of the Company to comply with the terms or to satisfy any of the conditions of this Agreement, the Company agrees to reimburse the
several Underwriters for all out-of-pocket expenses (including the fees and disbursements of counsel) reasonably incurred by them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Successors</U>.
Except as otherwise provided, this Agreement has been and is made solely for the benefit of and shall be binding upon the Company, the
Underwriters, any director or officer of the Company referred to herein, any controlling persons referred to herein, any agent referred
to herein, any affiliate referred to herein and their respective successors and assigns, all as and to the extent provided in this Agreement,
and no other person shall acquire or have any right under or by virtue of this Agreement. The term &ldquo;successors and assigns&rdquo;
shall not include a purchaser of any of the Shares from any of the several Underwriters merely because of such purchase.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Applicable
Law</U>. This Agreement shall be governed and construed in accordance with the laws of the State of New York without reference to choice
of law principles thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver
of Trial by Jury</U>. EACH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT IT MAY LEGALLY AND EFFECTIVELY DO
SO, ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING (WHETHER SOUNDING IN CONTRACT, TORT, OR OTHERWISE) ARISING OUT OF, OR RELATED
TO, THIS AGREEMENT.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">19.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts;
Electronic Signatures</U>. This Agreement may be executed in any number of counterparts, each of which shall be an original, but all of
which together shall constitute one agreement. Signature pages may be electronically executed and delivered, including by facsimile, any
electronic method complying with the federal ESIGN Act (e.g., DocuSign) or by wet ink signature captured on a pdf email attachment, and
any signature pages so executed and delivered shall be valid and binding for all purposes. The foregoing provision supersedes any other
consent signed by the parties related to the electronic signature and delivery of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Please confirm that the foregoing correctly sets
forth the agreement among the Company and the several Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="3">CAPITAL
ONE FINANCIAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Thomas A. Feil</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Thomas
A. Feil</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Senior
Vice President and Treasurer</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Accepted:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">BofA Securities, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">J.P. morgan Securities LLC</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">MORGAN STANLEY &amp; CO. LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">RBC CAPITAL MARKETS, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UBS SECURITIES LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">WELLS FARGO SECURITIES, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Acting on behalf of themselves and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">the several Underwriters named in</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Schedule I hereto</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">By: &nbsp;BOFA SECURITIES, INC.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Greg Venker</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Greg Venker</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Managing Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">By: &nbsp;J.P. MORGAN SECURITIES LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Stephen L. Sheiner</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Stephen L. Sheiner</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Executive Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement]
</I>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 24 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">By: &nbsp;MORGAN STANLEY &amp; CO. LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ian Drewe</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Ian Drewe</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Executive Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Underwriting
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 25 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">By: &nbsp;RBC CAPITAL MARKETS, LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Eric Martinez</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Eric Martinez</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Managing Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Underwriting
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 26 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">By: &nbsp;UBS SECURITIES LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Sam Reinhart</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Sam Reinhart</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Managing Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ John Sciales</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%"><P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">John Sciales</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"></P></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD><P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Associate Director</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"></P></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Underwriting
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By:&#9; WELLS FARGO SECURITIES, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD COLSPAN="3">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>By:</TD>
  <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Carolyn Hurley</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 7%">Name:</TD>
  <TD STYLE="width: 38%">Carolyn Hurley</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Title:</TD>
  <TD>Managing Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Underwriting
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE I</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 81%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-bottom: Black 1pt solid">Underwriters&nbsp;</P></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 17%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 1pt solid">Number of
Shares To Be Purchased&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD>BofA Securities, Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,590,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>J.P. Morgan Securities LLC</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,590,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD>Morgan Stanley &amp; Co. LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,590,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>UBS Securities LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,590,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD>Wells Fargo Securities, LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,590,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>RBC Capital Markets, LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,430,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD>Citigroup Global Markets Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">540,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Goldman Sachs &amp; Co. LLC</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">540,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD>Credit Suisse Securities (USA) LLC</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">270,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Academy Securities, Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">135,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD>Siebert Williams Shank &amp; Co., LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">135,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 11pt"><B>&#9;</B></FONT><B>Total </B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; text-align: right"><B>27,000,000</B></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">SI-1</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE II</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 80.25pt; width: 225pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">27,000,000 DEPOSITARY SHARES EACH REPRESENTING
A 1/40TH INTEREST IN A SHARE OF&nbsp;</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FIXED RATE NON-CUMULATIVE PERPETUAL PREFERRED
STOCK, SERIES L</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pricing Term Sheet</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; width: 28%; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Issuer:</FONT></TD>
    <TD STYLE="padding-top: 5pt; width: 72%; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Capital One Financial Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Security:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Depositary shares (the &ldquo;Depositary Shares&rdquo;) each representing a 1/40th interest in a share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L of the Issuer (the &ldquo;Preferred Stock&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Expected Security Ratings:*</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Baa3 / BB / BB+ (Moody&rsquo;s / S&amp;P / Fitch)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Size:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">$675,000,000 (27,000,000 Depositary Shares)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Liquidation Preference:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">$25 per Depositary Share (equivalent to $1,000 per share of Preferred Stock)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Term:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Perpetual</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Dividend Rate (Non-Cumulative):</FONT></TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">4.375% per annum</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Dividend Payment Dates:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Quarterly in arrears on March 1, June 1, September 1 and December&nbsp;1 of each year, commencing on September 1, 2021 </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Day Count:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">30/360</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Trade Date:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">April 29, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Settlement Date:**</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">May 4, 2021 (T+3)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Optional Redemption:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">The Issuer may redeem the Preferred Stock at its option, (i) in whole or in part, from time to time, on any dividend payment date on or after September 1, 2026 at a redemption price equal to $1,000 per share (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the preliminary prospectus supplement dated April 29, 2021), at a redemption price equal to $1,000 per share (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends.&nbsp;&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Any redemption of the Preferred Stock is subject to the Issuer&rsquo;s receipt of any required prior approval by the Board of Governors of the Federal Reserve System (the &ldquo;Federal Reserve&rdquo;) and to the satisfaction of any conditions set forth in the capital guidelines or regulations of the Federal Reserve applicable to redemption of the Preferred Stock.</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">SII-1</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; width: 28%; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Listing:</FONT></TD>
    <TD STYLE="padding-top: 5pt; width: 72%; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Application will be made to list the Depositary Shares on the New York Stock Exchange (the &ldquo;NYSE&rdquo;) under the symbol &ldquo;COFPRL.&rdquo; If the application is approved, trading of the Depositary Shares on the NYSE is expected to commence within the 30-day period following the original issuance date of the Depositary Shares. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Public Offering Price:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">$25 per Depositary Share</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Underwriting Discounts and Commissions:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">$0.7875 per Depositary Share sold to retail investors and $<FONT STYLE="background-color: white">0.2500</FONT> per Depositary Share sold to institutional investors</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Net Proceeds (before expenses) to Issuer:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">$654,552,350.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Joint Book-Running Managers:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">BofA Securities, Inc., J.P. Morgan Securities LLC, Morgan Stanley &amp; Co. LLC, RBC Capital Markets, LLC, UBS Securities LLC and Wells Fargo Securities, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Co-Managers:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">Academy Securities, Inc., Citigroup Global Markets Inc., Credit Suisse Securities (USA) LLC, Goldman Sachs &amp; Co. LLC and <FONT STYLE="background-color: white">Siebert Williams Shank &amp; Co., LLC</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 11pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">CUSIP/ISIN for the Depositary Shares:</FONT></TD>
    <TD STYLE="padding-top: 5pt; text-indent: 0in; font-size: 11pt; padding-bottom: 5pt"><FONT STYLE="font-size: 10pt">14040H 758 / US14040H7585</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*Note: A securities rating is not a recommendation to buy, sell or
hold securities and may be subject to revision or withdrawal at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">** Note: Under Rule 15c6-1 of the U.S. Securities Exchange Act of 1934,
as amended, trades in the secondary market generally are required to settle in two business days, unless the parties to a trade expressly
agree otherwise. Accordingly, purchasers who wish to trade the Depositary Shares on any date prior to the second business day before delivery
will be required by virtue of the fact that the Depositary Shares initially will settle in three business days to specify alternative
settlement arrangements to prevent a failed settlement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Capital One Financial Corporation has filed a registration statement
(including a prospectus and preliminary prospectus supplement) with the SEC for the offering to which this communication relates. Before
you invest, you should read each of these documents and the other documents Capital One Financial Corporation has filed with the SEC and
incorporated by reference in such documents for more complete information about Capital One Financial Corporation and this offering. You
may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, you may obtain a copy of these documents
by contacting BofA Securities, Inc. toll-free at 1-800-294-1322 or by email at dg.prospectus_requests@bofa.com, J.P. Morgan Securities
LLC collect at 1-212-834-4533, Morgan Stanley &amp; Co. LLC toll-free at 1-866-718-1649, RBC Capital Markets, LLC toll-free at 1-866-375-6829,
UBS Securities LLC toll-free at 1-888-827-7275 or Wells Fargo Securities, LLC toll-free at 1-800-645-3751.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Any disclaimers or other notices that may appear below are not applicable
to this communication and should be disregarded. Such disclaimers were automatically generated as a result of this communication being
sent via Bloomberg or another email system. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">SII-2</P>

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<P STYLE="text-align: right; margin: 0"><B>Exhibit 3.1</B></P>

<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CERTIFICATE OF DESIGNATIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIXED RATE NON CUMULATIVE PERPETUAL PREFERRED
STOCK,</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SERIES L OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CAPITAL ONE FINANCIAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Capital One Financial Corporation, a corporation
organized and existing under the General Corporation Law of the State of Delaware (the &ldquo;Corporation&rdquo;), in accordance with
the provisions of Sections 141 and 151 thereof, does hereby certify:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">At a meeting of the Board of Directors (the &ldquo;Board&rdquo;)
of the Corporation duly convened and held on February 3 &ndash; February 5, 2021, the Board duly adopted resolutions (a) authorizing the
issuance and sale by the Corporation of one or more series of the Corporation&rsquo;s authorized and unissued preferred stock (&ldquo;Preferred
Stock&rdquo;), and (b) appointing a Preferred Stock Committee (the &ldquo;Preferred Stock Committee&rdquo;) of the Board to act on behalf
of the Board in, without limitation, approving the terms and conditions of, and authorizing the execution, delivery and filing of any
certificate of designations relating to any such series of Preferred Stock fixing the designations, powers, preferences, rights, privileges,
qualifications, limitations, restrictions, terms and conditions of such series of Preferred Stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Thereafter, on April 29, 2021, the Preferred Stock
Committee duly adopted the following resolution creating a series of 675,000 shares of Preferred Stock of the Corporation designated as
&ldquo;Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L&rdquo; by written consent:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>RESOLVED</B>, that pursuant to the provisions
of the Restated Certificate of Incorporation and the amended and restated bylaws of the Corporation and applicable law, a series of Preferred
Stock, par value $0.01 per share, of the Corporation be and hereby is created, and that the designation and number of shares of such series,
and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations
and restrictions thereof, of the shares of such series, are as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 1. <U>Designation and Number of Shares</U>.
There is hereby created out of the authorized and unissued shares of Preferred Stock a series of Preferred Stock designated as the &ldquo;Fixed
Rate Non-Cumulative Perpetual Preferred Stock, Series L&rdquo; (hereinafter called &ldquo;Series L Preferred Stock&rdquo;). The authorized
number of shares of Series L Preferred Stock shall be 675,000 shares, $0.01 par value per share, having a liquidation preference of $1,000
per share. The number of shares constituting Series L Preferred Stock may be increased from time to time in accordance with law up to
the maximum number of shares of Preferred Stock authorized to be issued under the Restated Certificate of Incorporation of the Corporation,
as amended, less all shares at the time authorized of any other series of Preferred Stock, and any such additional shares of Series L
Preferred Stock would</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">form a single
series with the Series L Preferred Stock. Shares of Series L Preferred Stock will be dated the date of issue, which shall be referred
to herein as the &ldquo;original issue date&rdquo;. Shares of outstanding Series L Preferred Stock that are redeemed, purchased or otherwise
acquired by the Corporation, or converted into another series of Preferred Stock, shall be cancelled and shall revert to authorized but
unissued shares of Preferred Stock undesignated as to series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 2. <U>Standard Provisions</U>. The Standard
Provisions contained in <U>Annex A</U> attached hereto are incorporated herein by reference in their entirety and shall be deemed to be
a part of this Certificate of Designations to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 3. <U>Definitions</U>. The following terms
are used in this Certificate of Designations (including the Standard Provisions in <U>Annex A</U> hereto) as defined below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a)</TD><TD>&ldquo;<U>Common Stock</U>&rsquo;&rsquo; means the common stock, par value $0.01 per share, of the Corporation.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b)</TD><TD>&ldquo;<U>original issue date</U>&rdquo; means the date of issue of the Series L Preferred Stock.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c)</TD><TD>&ldquo;<U>Preferred Stock</U>&rdquo; means any and all series of preferred stock of the Corporation, including the Series L Preferred
Stock.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 4. <U>Certain Voting Matters</U>. Holders
of shares of Series L Preferred Stock will be entitled to one vote for each such share on any matter on which holders of Series L Preferred
Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Remainder of Page Intentionally Left Blank</I>.]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">IN WITNESS WHEREOF, Capital One Financial Corporation
has caused this Certificate of Designations to be signed by the undersigned as of this 3<SUP>rd</SUP> day of May, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CAPITAL ONE FINANCIAL CORPORATION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid">/s/ Jonathan Chiu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name:&#9;Jonathan Chiu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:&#9;Assistant Secretary</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Signature Page to Series&nbsp;L Certificate of
Designation]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Annex A</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>STANDARD PROVISIONS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 1.&#9;<U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Business
Day</U>&rdquo; means any weekday that is not a legal holiday in New York, New York and that is not a day on which banking institutions
in New York, New York are closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>DTC</U>&rdquo;
means The Depository Trust Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Regulatory
Capital Treatment Event</U>&rdquo; means the good faith determination by the Corporation that, as a result of i) any amendment to, or
change (including any announced prospective change) in, the laws or regulations of the United States or any political subdivision of or
in the United States that is enacted or becomes effective after the initial issuance of any share of the Series L Preferred Stock; ii)
any proposed change in those laws or regulations that is announced or becomes effective after the initial issuance of any share of the
Series L Preferred Stock; or iii) any official administrative decision or judicial decision or administrative action or other official
pronouncement interpreting or applying those laws or regulations that is announced after the initial issuance of any share of the Series
L Preferred Stock, there is more than an insubstantial risk that the Corporation will not be entitled to treat the full liquidation value
of the shares of the Series L Preferred Stock then outstanding as &ldquo;additional Tier 1 capital&rdquo; (or its equivalent) for purposes
of the capital adequacy guidelines of the Federal Reserve (or, as and if applicable, the capital adequacy guidelines or regulations of
any successor appropriate federal banking regulator or agency), as then in effect and applicable, for as long as any share of the Series
L Preferred Stock is outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Series
L Dividend Payment Date</U>&rdquo; has the meaning set forth in &lrm;Section 3(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Series
L Dividend Period</U>&rdquo; means the period from and including a Series L Dividend Payment Date to, but excluding, the next Series L
Dividend Payment Date, except that the initial Series L Dividend Period will commence on and include the original issue date of Series
L Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Series
L Junior Securities</U>&rdquo; has the meaning set forth in &lrm;Section 2(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Series
L Parity Securities</U>&rdquo; has the meaning set forth in &lrm;Section 2(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 2.&#9;<U>Ranking</U>. The shares of Series
L Preferred Stock shall rank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;senior,
as to dividends and upon liquidation, dissolution and winding up of the Corporation, to the Common Stock, and to any other class or series
of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by its terms, does not expressly provide
that it ranks pari passu with the Series L Preferred Stock as to</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">dividends
and upon liquidation, dissolution and winding up, as the case may be (collectively, &ldquo;<U>Series L Junior Securities</U>&rdquo;);
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;on
a parity, as to dividends and upon liquidation, dissolution and winding up of the Corporation, with any class or series of capital stock
of the Corporation now or hereafter authorized, issued or outstanding that, by its terms, expressly provides that it ranks pari passu
with the Series L Preferred Stock as to dividends and upon liquidation, dissolution and winding up, as the case may be, including the
Corporation's Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E, the Corporation's Fixed Rate NonCumulative Perpetual
Preferred Stock, Series G, the Corporation's Fixed Rate NonCumulative Perpetual Preferred Stock, Series H, the Corporation's Fixed Rate
Non-Cumulative Perpetual Preferred Stock, Series I, the Corporation's Fixed Rate NonCumulative Perpetual Preferred Stock, Series J and
the Corporation&rsquo;s Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K (collectively, &ldquo;<U>Series L Parity Securities</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation may authorize and issue additional shares of Series L Junior Securities and Series L Parity Securities without the consent
of the holders of the Series L Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 3.&#9;<U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of Series L Preferred Stock will be entitled to receive, when, as and if declared by the Board or a duly authorized committee of the Board,
out of assets legally available for the payment of dividends under Delaware law, non-cumulative cash dividends based on the liquidation
preference of the Series L Preferred Stock at a rate equal to 4.375% per annum for each Series L Dividend Period from the original issue
date of the Series L Preferred Stock to, and including, the redemption date of the Series L Preferred Stock, if any. If the Corporation
issues additional shares of the Series L Preferred Stock after the original issue date, dividends on such shares will accrue from the
date such additional shares are issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
declared by the Board or a duly authorized committee of the Board, dividends will be payable on the Series L Preferred Stock (each such
date, a &ldquo;<U>Series L Dividend Payment Date</U>&rdquo;) quarterly in arrears, on March 1, June 1, September 1 and December 1 of each
year, beginning on September 1, 2021. If any date on which dividends would otherwise be payable is not a Business Day, then the Series
L Dividend Payment Date will be the next Business Day, without any adjustment to the amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
will be payable to holders of record of Series L Preferred Stock as they appear on the Corporation's books on the applicable record date,
which shall be the 15th calendar day before the applicable Series L Dividend Payment Date, or such other record date, no earlier than
30 calendar days before the applicable Series L Dividend Payment Date, as shall be fixed by the Board or a duly authorized committee of
the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
payable on Series L Preferred Stock will be computed on the basis of a 360-day year consisting of twelve 30-day months. Dollar amounts
resulting from that calculation will be rounded to the nearest cent, with one-half cent being rounded upwards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Dividends on the Series L Preferred Stock will
cease to accrue on the redemption date, if any, unless the Corporation defaults in the payment of the redemption price of the Series L
Preferred Stock called for redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series L Preferred Stock will not be cumulative. If the Board or a duly authorized committee of the Board does not declare a dividend
on the Series L Preferred Stock in respect of a Series L Dividend Period, then no dividend shall be deemed to have accrued for such dividend
period, be payable on the applicable Series L Dividend Payment Date or be cumulative, and the Corporation will have no obligation to pay
any dividend for that Series L Dividend Period, whether or not the Board or a duly authorized committee of the Board declares a dividend
for any future Series L Dividend Period with respect to the Series L Preferred Stock, the Corporation's Common Stock, or any other class
or series of the Corporation's Preferred Stock</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any share of Series L Preferred Stock remains outstanding:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend
shall be declared or paid or set aside for payment, and no distribution shall be declared or made or set aside for payment, on any Series
L Junior Securities, other than (1) a dividend payable solely in Series L Junior Securities or (ii) any dividend in connection with the
implementation of a shareholders' rights plan, or the redemption or repurchase of any rights under any such plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares
of Series L Junior Securities shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly
(other than (2) as a result of a reclassification of Series L Junior Securities for or into other Series L Junior Securities, (3) the
exchange or conversion of one share of Series L Junior Securities for or into another share of Series L Junior Securities, (4) through
the use of the proceeds of a substantially contemporaneous sale of other shares of Series L Junior Securities, (5) purchases, redemptions
or other acquisitions of shares of Series L Junior Securities in connection with any employment contract, benefit plan or other similar
arrangement with or for the benefit of employees, officers, directors or consultants, (6) purchases of shares of Series L Junior Securities
pursuant to a contractually binding requirement to buy Series L Junior Securities existing prior to the preceding Series L Dividend Period,
including under a contractually binding stock repurchase plan, (7) the purchase of fractional interests in shares of Series L Junior Securities
pursuant to the conversion or exchange provisions of such stock or the security being converted or exchanged, (8) purchases or other acquisitions
by any of the Corporation's broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation
transactions in Series L Junior Securities in the ordinary course of business, (9) purchases by any of the Corporation's broker-dealer
subsidiaries of the Corporation's capital stock for resale pursuant to an offering by the Corporation of such capital stock underwritten
by such broker-dealer subsidiary, or (10) the acquisition by the Corporation or any of the Corporation's subsidiaries of record ownership
in junior stock for the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of
the Corporation's subsidiaries), including as trustees or custodians), nor shall any monies be paid to or made available for a sinking
fund for the redemption of any such securities by the Corporation; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares
of Series L Parity Securities shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly,
during a dividend period (other than (11) pursuant to pro rata offers to purchase all, or a pro rata portion, of the Series L Preferred
Stock and such Series L Parity Securities, if any, (12) as a result of a reclassification of Series L Parity Securities for or into other
Series L Parity Securities, (13) the exchange or conversion of Series L Parity Securities for or into other Series L Parity Securities
or Series L Junior Securities, (14) through the use of the proceeds of a substantially contemporaneous sale of other shares of Series
L Parity Securities, (15) purchases of shares of Series L Parity Securities pursuant to a contractually binding requirement to buy Series
L Parity Securities existing prior to the preceding dividend period, including under a contractually binding stock repurchase plan, (16)
the purchase of fractional interests in shares of Series L Parity Securities pursuant to the conversion or exchange provisions of such
stock or the security being converted or exchanged, (17) purchases or other acquisitions by any of the Corporation's broker-dealer subsidiaries
solely for the purpose of market making, stabilization or customer facilitation transactions in Series L Parity Securities in the ordinary
course of business, (18) purchases by any of the Corporation's broker-dealer subsidiaries of the Corporation's capital stock for resale
pursuant to an offering by the Corporations of such capital stock underwritten by such broker-dealer subsidiary, or (19) the acquisition
by the Corporation or any of the Corporation's subsidiaries of record ownership in Series L Parity Securities for the beneficial ownership
of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation's subsidiaries), including
as trustees or custodians), nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities
by the Corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">unless, in each case, the full dividends for the preceding Series L
Dividend Period on all outstanding shares of Series L Preferred Stock have been paid in full or declared and a sum sufficient for the
payment thereof has been set aside for payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation will not declare or pay or set apart funds for the payment of dividends on any Series L Parity Securities unless the Corporation
has paid or set apart funds for the payment of dividends on the Series L Preferred Stock. When dividends are not paid in full upon the
shares of Series L Preferred Stock and any Series L Parity Securities, all dividends declared upon shares of Series L Preferred Stock
and any Series L Parity Securities will be declared on a proportional basis so that the amount of dividends declared per share will bear
to each other the same ratio that accrued dividends for the Series L Preferred Stock, and accrued dividends, including any accumulations,
on any Series L Parity Securities, bear to each other for the then-current Series L Dividend Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the foregoing, and not otherwise, dividends (payable in cash, stock or otherwise), as may be determined by the Board or a duly authorized
committee of the Board, may be declared and paid on the Common Stock and any other class or any Series L Junior Securities or Series L
Parity Securities from time to time out of any assets legally available for such payment, and the holders of Series L Preferred Stock
shall not be entitled to participate in any such dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series L Preferred Stock will not be declared, paid or set aside for payment to the extent such act would cause the Corporation
to fail to comply with applicable laws and regulations, including applicable capital adequacy guidelines.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 4.&#9;<U>Liquidation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
any voluntary or involuntary liquidation, dissolution or winding up of the Corporation, holders of Series L Preferred Stock are entitled
to receive out of assets of the Corporation available for distribution to stockholders, after satisfaction of liabilities to creditors
and subject to the rights of holders of any securities ranking senior to Series L Preferred Stock, before any distribution of assets is
made to holders of Common Stock or any Series L Junior Securities, a liquidating distribution in the amount of the liquidation preference
of $1,000 per share plus any declared and unpaid dividends, without accumulation of any undeclared dividends. Holders of Series L Preferred
Stock will not be entitled to any other amounts from the Corporation after they have received their full liquidating distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
any such distribution, if the assets of the Corporation are not sufficient to pay the liquidation preferences plus declared and unpaid
dividends in full to all holders of Series L Preferred Stock and all holders of any Series L Parity Securities, the amounts paid to the
holders of Series L Preferred Stock and to the holders of all Series L Parity Securities will be paid <I>pro rata</I> in accordance with
the respective aggregate liquidating distribution owed to those holders. If the liquidation preference plus declared and unpaid dividends
has been paid in full to all holders of Series L Preferred Stock and any Series L Parity Securities, the holders of the Corporation's
Series L Junior Securities shall be entitled to receive all remaining assets of the Corporation according to their respective rights and
preferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this section, the merger or consolidation of the Corporation with any other entity, including a merger or consolidation in
which the holders of Series L Preferred Stock receive cash, securities or property for their shares, or the sale, lease or exchange of
all or substantially all of the assets of the Corporation for cash, securities or other property, shall not constitute a liquidation,
dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.&#9;<U>Redemption</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Series
L Preferred Stock is not subject to any mandatory redemption, sinking fund or other similar provisions. Series L Preferred Stock is not
redeemable prior to September 1, 2026. On and after that date, Series L Preferred Stock will be redeemable at the option of the Corporation,
in whole or in part, on any Series L Dividend Payment Date, at a redemption price equal to $1,000 per share, plus any declared and unpaid
dividends. Holders of Series L Preferred Stock will have no right to require the redemption or repurchase of Series L Preferred Stock.
Notwithstanding the foregoing, within 90 days following the occurrence of a Regulatory Capital Treatment Event, the Corporation, at its
option, may redeem, at any time, all (but not less than all) of the shares of the Series L Preferred Stock at the time outstanding, at
a redemption price equal to $1,000 per share, plus any declared and unpaid dividends, upon notice given as provided in Subsection (b)
below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
shares of Series L Preferred Stock are to be redeemed, the notice of redemption shall be sent to the holders of record of Series L Preferred
Stock to be redeemed, sent not less than 30 days nor more than 60 days prior to the date fixed for redemption thereof (provided that,
if the depositary shares representing Series L Preferred Stock are held in book-entry form through DTC, the Corporation may give such
notice in any manner permitted by DTC). Each notice of redemption will include a statement setting forth: iv) the redemption date; v)
the number of shares of Series L Preferred Stock to be redeemed and, if less than all the shares held by such holder are to be redeemed,
the number of such shares to be redeemed from such holder; vi) the redemption price; and vii) the place or places where the certificates
evidencing shares of Series L Preferred Stock are to be surrendered for payment of the redemption price. On and after the redemption date,
dividends will cease to accrue on shares of Series L Preferred Stock, and such shares of Series L Preferred Stock shall no longer be deemed
outstanding and all rights of the holders of such shares will terminate, including rights described under &lrm;Section 6, except the right
to receive the redemption price plus any declared and unpaid dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
case of any redemption of only part of the shares of Series L Preferred Stock at the time outstanding, the shares to be redeemed shall
be selected pro rata or by lot.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
redemption of the Preferred Stock is subject to our receipt of any required prior approval by the Board of Governors of the Federal Reserve
System and to the satisfaction of any conditions set forth in the capital guidelines or regulations of the Board of Governors of the Federal
Reserve System applicable to redemption of the Preferred Stock</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 6.&#9;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided below or as expressly required by law, the holders of shares of Series L Preferred Stock shall have no voting power, and no
right to vote on any matter at any time, either as a separate series or class or together with any other series or class of shares of
capital stock, and shall not be entitled to call a meeting of such holders for any purpose, nor shall they be entitled to participate
in any meeting of the holders of the Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any shares of Series L Preferred Stock remain outstanding, the affirmative vote or consent of the holders of at least two-thirds
of all of the shares of Series L Preferred Stock at the time outstanding, voting separately as a class, shall be required to: viii) authorize
or increase the authorized amount of, or issue shares of any class or series of stock ranking senior to the Series L Preferred Stock with
respect to payment of dividends or the distribution of assets upon liquidation, dissolution or winding up of the Corporation, or issue
any obligation or security convertible into or evidencing the right to purchase, any class or series of stock ranking senior to Series
L Preferred Stock with respect to payment of dividends or the distribution of assets upon liquidation, dissolution or winding up of the
Corporation; ix) amend the provisions of the Corporation's restated certificate of incorporation, as amended, so as to adversely affect
the powers, preferences, privileges or rights of Series L Preferred Stock, taken as a whole, provided, however, that any increase in the
amount of the authorized or issued shares of Series L Preferred Stock or authorized Common Stock or Preferred Stock or the creation and
issuance, or an increase in the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">authorized
or issued amount, of other series of Preferred Stock ranking equally with or junior to Series L Preferred Stock with respect to the payment
of dividends (whether such dividends are cumulative or non-cumulative) or the distribution of assets upon liquidation, dissolution or
winding up of the Corporation will not be deemed to adversely affect the powers, preferences, privileges or rights of Series L Preferred
Stock; and x) consummate a binding share-exchange or reclassification involving the Series L Preferred Stock, or a merger or consolidation
of the Corporation with or into another entity unless (1) the shares of the Series L Preferred Stock remain outstanding or are converted
into or exchanged for preference securities of the new surviving entity and (2) the shares of the remaining Series L Preferred Stock
or new preferred securities have terms that are not materially less favorable than the Series L Preferred Stock. The foregoing voting
provisions will not apply if, at or prior to the time when the act with respect to which such vote would otherwise be required shall
be effected, all outstanding shares of Series L Preferred Stock shall have been redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Corporation fails to pay, or declare and set apart for payment, dividends on outstanding shares of the Series L Preferred Stock for
six quarterly dividend periods, whether or not consecutive, the number of directors on the Board shall be increased by two at the Corporation's
first annual meeting of the shareholders held thereafter, and at such meeting and at each subsequent annual meeting until continuous noncumulative
dividends for at least one year on all outstanding shares of Series L Preferred Stock entitled thereto shall have been paid, in full,
the holders of shares of Series L Preferred Stock shall have the right, voting as a class with holders of any other equally ranked series
of Preferred Stock that have similar voting rights, to elect such two additional members of the Corporation's Board to hold office for
a term of one year; provided that the Corporation's Board shall at no time include more than two additional directors elected by holders
of Series L Preferred Stock and any other equally ranked series of Preferred Stock having similar voting rights, if any, voting together
as one class. Upon such payment in full, the terms of the two additional directors so elected shall forthwith terminate, and the number
of directors shall be reduced by two, and such voting right of the holders of shares of Series L Preferred Stock shall cease, subject
to increase in the number of directors as described above and to revesting of such voting right in the event of each and every additional
failure in the payment of dividends for six quarterly dividend periods, whether or not consecutive, as described above. In addition, if
and when the rights of holders of Series L Preferred Stock terminate for any reason, including under circumstances described above under
&lrm;Section 5, such voting rights shall terminate along with the other rights (except, if applicable, the right to receive the redemption
price plus any declared and unpaid dividends as provided for in &lrm;Section 5), and the terms of any additional directors elected by
the holders of Series L Preferred Stock and any other equally ranked series of Preferred Stock having similar voting rights, if any, shall
terminate automatically and the number of directors reduced by two, assuming that the rights of holders of such equally ranked series
of Preferred Stock have similarly terminated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 7.&#9;<U>Conversion Rights</U>. The holders
of shares of Series L Preferred Stock shall not have any rights to convert such shares into shares of any other class or series of securities
of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 8.&#9;<U>Preemptive Rights</U>. The holders
of shares of Series L Preferred Stock will have no preemptive rights with respect to any shares of the Corporation's capital stock or
any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.&#9;<U>Certificates</U>. The Corporation
may at its option issue shares of Series L Preferred Stock without certificates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 10.&#9;<U>Transfer Agent</U>. The duly
appointed transfer agent for the Series L Preferred Stock shall be Computershare Trust Company, N.A., collectively with Computershare
Inc. The Corporation may, in its sole discretion, remove the transfer agent in accordance with the agreement between the Corporation and
the transfer agent; provided that the Corporation shall appoint a successor transfer agent who shall accept such appointment prior to
the effectiveness of such removal. Upon any such removal or appointment, the Corporation shall send notice thereof to the holders of the
Series L Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 11.&#9;<U>Registrar</U>. The duly appointed
registrar for the Series L Preferred Stock shall be Computershare Trust Company, N.A., collectively with Computershare Inc. The Corporation
may, in its sole discretion, remove the registrar in accordance with the agreement between the Corporation and the registrar; provided
that the Corporation shall appoint a successor registrar who shall accept such appointment prior to the effectiveness of such removal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>4
<FILENAME>dp150414_ex0401.htm
<DESCRIPTION>EXHIBIT 4.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 4.1</B></P>

<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEPOSIT AGREEMENT<BR>
<BR>
among<BR>
<BR>
CAPITAL ONE FINANCIAL CORPORATION,<BR>
<BR>
COMPUTERSHARE TRUST COMPANY, N.A., as Depositary,<BR>
<BR>
COMPUTERSHARE INC.<BR>
<BR>
and<BR>
<BR>
THE HOLDERS FROM TIME TO TIME OF<BR>
THE DEPOSITARY RECEIPTS DESCRIBED HEREIN<BR>
<BR>
Dated as of May 4, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-variant: small-caps"><U>Page</U></FONT></P>

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    <TD STYLE="width: 94%; text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt">ARTICLE I&nbsp; DEFINED TERMS</TD>
    <TD STYLE="width: 6%; text-align: right; padding-top: 6pt; padding-bottom: 3pt">1</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 1.1&nbsp;&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">1</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt">ARTICLE II&nbsp; FORM OF RECEIPTS, DEPOSIT OF SERIES L PREFERRED STOCK, EXECUTION AND DELIVERY, TRANSFER, SURRENDER AND REDEMPTION OF
RECEIPTS</TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 3pt">3</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Form and Transfer of Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">3</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposit of Series L Preferred Stock; Execution and Delivery of Receipts in Respect Thereof</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">4</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registration of Transfer of Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">4</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Series L Preferred Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">5</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">5</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lost Receipts, etc</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">6</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cancellation and Destruction of Surrendered Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">6</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Redemption of Series L Preferred Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">6</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank Accounts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">7</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 2.10&nbsp;&nbsp;&nbsp;Receipts Issuable in Global Registered Form</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">7</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt">ARTICLE III&nbsp; CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 3pt">8</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Filing Proofs, Certificates and Other Information</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">8</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Payment of Taxes or Other Governmental Charges</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">8</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Warranty as to Series L Preferred Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">9</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Warranty as to Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">9</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt">ARTICLE IV&nbsp; THE DEPOSITED SECURITIES; NOTICES</TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 3pt">9</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash Distributions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">9</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Distributions Other than Cash, Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">9</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subscription Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">10</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">10</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voting Rights</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">11</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">11</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delivery of Reports</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">12</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lists of Receipt Holders</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">12</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt">ARTICLE V&nbsp; THE DEPOSITARY, THE DEPOSITARY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 3pt">12</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maintenance of Offices, Agencies and Transfer Books by the Depositary; Registrar</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">12</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prevention of or Delay in Performance by the Depositary, the Depositary&rsquo;s Agents, the Registrar or
the Corporation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">12</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Obligations of the Depositary, the Depositary&rsquo;s Agents, the Registrar and the Corporation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">13</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Resignation and Removal of the Depositary; Appointment of Successor Depositary</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">14</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate Notices and Reports</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">15</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indemnification by the Corporation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">15</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 5.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fees, Charges and Expenses</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">15</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt">ARTICLE VI&nbsp; AMENDMENT AND TERMINATION</TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 3pt">16</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">16</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">16</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-top: 6pt; padding-bottom: 3pt; padding-left: 13.5pt; width: 94%">ARTICLE VII&nbsp; MISCELLANEOUS</TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 3pt; width: 6%">16</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Counterparts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">16</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exclusive Benefit of Parties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">16</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invalidity of Provisions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">16</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notices</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">17</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Depositary&rsquo;s Agents</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">17</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appointment of Registrar, Dividend Disbursing Agent, Transfer Agent and Redemption Agent in Respect of Receipts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">17</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of Receipts Are Parties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governing Law</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Inspection of Deposit Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.10&nbsp;&nbsp;&nbsp;Headings</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.11&nbsp;&nbsp;&nbsp;Force Majeure</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.12&nbsp;&nbsp;&nbsp;Further Assurances</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -62.65pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 98.65pt">Section 7.13&nbsp;&nbsp;&nbsp;Confidentiality</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">18</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">DEPOSIT AGREEMENT dated as of May 4, 2021, among
(i) Capital One Financial Corporation, a Delaware corporation, (ii) Computershare Trust Company, N.A., (iii) Computershare Inc. and (iv)
the Holders from time to time of the Receipts described herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">WHEREAS, it is desired to provide, as hereinafter
set forth in this Deposit Agreement, for the deposit of shares of Series L Preferred Stock of the Corporation from time to time with the
Depositary for the purposes set forth in this Deposit Agreement and for the issuance hereunder of Receipts evidencing Depositary Shares
in respect of the Series L Preferred Stock so deposited; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">WHEREAS, the Receipts are to be substantially in
the form of <U>Exhibit A</U> annexed hereto, with appropriate insertions, modifications and omissions, as hereinafter provided in this
Deposit Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">NOW, THEREFORE, in consideration of the premises,
the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
I</B></FONT><B><BR>
DEFINED TERMS</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
1.1&#9;</B></FONT><B>Definitions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following definitions shall for all purposes,
unless otherwise indicated, apply to the respective terms used in this Deposit Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Certificate of Designations&rdquo; shall
mean the relevant Certificate of Designations with respect to Series L Preferred Stock filed with the Secretary of State of the State
of Delaware establishing the Series L Preferred Stock as a series of preferred stock of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Computershare&rdquo; shall mean Computershare
Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Corporation&rdquo; shall mean Capital One
Financial Corporation, a Delaware corporation, and its successors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Deposit Agreement&rdquo; shall mean this
Deposit Agreement, as amended, modified or supplemented from time to time in accordance with the terms hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Depositary&rdquo; shall mean, collectively,
Computershare Trust Company, N.A. and Computershare, and any successor as Depositary hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Depositary Shares&rdquo; shall mean the
depositary shares, each representing 1/40th of one share of the Series L Preferred Stock, and the same proportionate interest in any and
all other property received by the Depositary in respect of such share of Series L Preferred Stock and held under this Deposit Agreement,
all as evidenced by the Receipts issued hereunder. Subject to the terms of this Deposit Agreement, each owner of a Depositary Share is
entitled, proportionately, to all the rights, preferences and privileges of the Series L Preferred Stock represented by such Depositary
Share (including the dividend, voting, redemption and liquidation rights contained in the Certificate of Designations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Depositary&rsquo;s Agent&rdquo; shall mean
an agent appointed by the Depositary pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section 7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Depositary&rsquo;s Office&rdquo; shall mean
the principal office of the Depositary at which at any particular time its depositary receipt business shall be administered, which is
currently in Canton, MA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;DTC&rdquo; shall mean The Depository Trust
Company. &ldquo;Effective Date&rdquo; shall mean the date first stated above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Exchange Event&rdquo; shall mean with respect
to any Global Registered Receipt:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) the Global
Receipt Depository which is the Holder of such Global Registered Receipt or Receipts notifies the Corporation that it is no longer willing
or able to properly discharge its responsibilities under any Letter of Representations or that it is no longer eligible or in good standing
under the Securities Exchange Act of 1934, as amended, and (B) the Corporation has not appointed a qualified successor Global Receipt
Depository within 90 calendar days after the Corporation received such notice, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Corporation
in its sole discretion notifies the Depositary in writing that the Receipts or portion thereof issued or issuable in the form of one or
more Global Registered Receipts shall no longer be represented by such Global Receipt or Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Funds&rdquo; shall have the meaning set
forth in <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 2.9</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Global Receipt Depository&rdquo; shall mean,
with respect to any Receipt issued hereunder, DTC or such other entity designated as Global Receipt Depository by the Corporation in or
pursuant to this Deposit Agreement, which entity must be, to the extent required by any applicable law or regulation, a clearing agency
registered under the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Global Registered Receipts&rdquo; means
a global registered Receipt, in definitive or book-entry form, registered in the name of a nominee of DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Letter of Representations&rdquo; means any
applicable agreement among the Corporation, the Depositary and a Global Receipt Depository with respect to such Global Receipt Depository&rsquo;s
rights and obligations with respect to any Global Registered Receipts, as the same may be amended, supplemented, restated or otherwise
modified from time to time and any successor agreement thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Moody&rsquo;s&rdquo; shall mean Moody&rsquo;s
Investors Service, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Officer&rsquo;s Certificate&rdquo; shall
mean a certificate in substantially the form set forth as <U>Exhibit B</U> hereto, which is signed by an officer of the Corporation and
which shall include the terms and conditions of the Series L Preferred Stock to be issued by the Corporation and deposited with the Depositary
from time to time in accordance with the terms hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Receipt&rdquo; shall mean one of the depositary
receipts issued hereunder, substantially in the form set forth as <U>Exhibit A</U> hereto, whether in definitive or temporary form, and
evidencing the number of Depositary Shares with respect to the Series L Preferred Stock held of record by the Record Holder of such Depositary
Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Record Holder&rdquo; or &ldquo;Holder&rdquo;
as applied to a Receipt shall mean the person in whose name such Receipt is registered on the books of the Depositary maintained for such
purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Redemption Date&rdquo; shall have the meaning
set forth in <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 2.8</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Registrar&rdquo; shall mean the Depositary
or such other successor bank or trust company which shall be appointed by the Corporation to register ownership and transfers of Receipts
as herein provided; and if a successor Registrar shall be so appointed, references herein to &ldquo;the books&rdquo; of or maintained
by the Depository shall be deemed, as applicable, to refer as well to the register maintained by such Registrar for such purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;S&amp;P&rdquo; means Standard &amp; Poor&rsquo;s
Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Securities Act&rdquo; shall mean the Securities
Act of 1933, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;Series L Preferred Stock&rdquo; shall mean
the shares of the Corporation&rsquo;s Fixed Rate Non-Cumulative Perpetual Preferred Stock Series L, with a liquidation preference of $1,000
per share, designated in the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Certificate of Designations and described in the
Officer&rsquo;s Certificate delivered pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section 2.2</U>
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
II</B></FONT><B><BR>
FORM OF RECEIPTS, DEPOSIT OF SERIES L PREFERRED STOCK, EXECUTION AND DELIVERY, TRANSFER, SURRENDER AND REDEMPTION OF RECEIPTS</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.1&#9;</B></FONT><B>Form and Transfer of Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The definitive Receipts shall be substantially
in the form set forth in <U>Exhibit A</U> annexed to this Deposit Agreement, with appropriate insertions, modifications and omissions,
as hereinafter provided and shall be engraved or otherwise prepared so as to comply with applicable rules of the New York Stock Exchange
or its successor. Pending the preparation of definitive Receipts, the Depositary, upon the written order of the Corporation, delivered
in compliance with <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section 2.2</U>, shall execute and deliver
temporary Receipts which may be printed, lithographed, typewritten, mimeographed or otherwise substantially of the tenor of the definitive
Receipts in lieu of which they are issued and with such appropriate insertions, omissions, substitutions and other variations as the persons
executing such Receipts may determine, as evidenced by their execution of such Receipts. If temporary Receipts are issued, the Corporation
and the Depositary will cause definitive Receipts to be prepared without unreasonable delay. After the preparation of definitive Receipts,
the temporary Receipts shall be exchangeable for definitive Receipts upon surrender of the temporary Receipts at an office described in
the penultimate paragraph of <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 2.2</U>, without charge
to the Holder. Upon surrender for cancellation of any one or more temporary Receipts, the Depositary shall execute and deliver in exchange
therefor definitive Receipts representing the same number of Depositary Shares as represented by the surrendered temporary Receipt or
Receipts. Such exchange shall be made at the Corporation&rsquo;s expense and without any charge therefor. Until so exchanged, the temporary
Receipts shall in all respects be entitled to the same benefits under this Deposit Agreement as definitive Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Receipts shall be executed by the Depositary by
the manual or facsimile signature of a duly authorized officer of the Depositary. No Receipt shall be entitled to any benefits under this
Deposit Agreement or be valid or obligatory for any purpose unless it shall have been executed manually or by facsimile signature by a
duly authorized officer of the Depositary or, if a Registrar for the Receipts (other than the Depositary) shall have been appointed, by
manual or facsimile signature of a duly authorized officer of the Depositary and countersigned by manual or facsimile signature by a duly
authorized officer of such Registrar. The Depositary shall record on its books each Receipt so signed and delivered as hereinafter provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Receipts shall be in denominations of any number
of whole Depositary Shares. All receipts shall be dated the date of their issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Receipts may be endorsed with or have incorporated
in the text thereof such legends or recitals or changes not inconsistent with the provisions of this Deposit Agreement all as may be required
by the Depositary and approved by the Corporation or required to comply with any applicable law or any regulation thereunder or with the
rules and regulations of any securities exchange upon which the Series L Preferred Stock, the Depositary Shares or the Receipts may be
listed or to conform with any usage with respect thereto, or to indicate any special limitations or restrictions to which any particular
Receipts are subject.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Title to Depositary Shares evidenced by a Receipt
which is properly endorsed or accompanied by a properly executed instrument of transfer, shall be transferable by delivery with the same
effect as in the case of a negotiable instrument in accordance with the Depositary&rsquo;s procedures; <U>provided</U>, <U>however</U>,
that until transfer of any particular Receipt shall be registered on the books of the Depositary as provided in <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section
2.3</U>, the Depositary may, notwithstanding any notice to the contrary, treat the Record Holder thereof at such time as the absolute
owner thereof for the purpose of determining the person entitled to</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">distributions
of dividends or other distributions or to any notice provided for in this Deposit Agreement and for all other purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation shall provide an opinion of counsel
to the Depositary at the Effective Date in form and substance reasonably satisfactory to the Depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.2&#9;</B></FONT><B>Deposit of Series L Preferred Stock; Execution and Delivery of Receipts in Respect Thereof.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Subject to the terms and conditions of this Deposit
Agreement, the Corporation may from time to time deposit shares of Series L Preferred Stock under this Deposit Agreement by delivering
to the Depositary, including via electronic book-entry, such shares of Series L Preferred Stock to be deposited, properly endorsed or
accompanied, if applicable and required by the Depositary, by a duly executed instrument of transfer or endorsement, in form satisfactory
to the Depositary, together with all such certifications as may be required by the Depositary in accordance with the provisions of this
Deposit Agreement and an executed Officer&rsquo;s Certificate attaching the Certificate of Designations and all other information required
to be set forth therein, and together with a written order of the Corporation directing the Depositary to execute and deliver to, or upon
the written order of, the person or persons stated in such order a Receipt or Receipts evidencing in the aggregate the number of Depositary
Shares representing such deposited Series L Preferred Stock. Each Officer&rsquo;s Certificate delivered to the Depositary in accordance
with the terms of this Deposit Agreement shall be deemed to be incorporated into this Deposit Agreement and shall be binding on the Corporation,
the Depositary and the Holders of Receipts to which such Officer&rsquo;s Certificate relates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Series L Preferred Stock that is deposited
shall be held by the Depositary at the Depositary&rsquo;s Office or at such other place or places as the Depositary shall determine. The
Depositary shall not lend any Series L Preferred Stock deposited hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon receipt by the Depositary of Series L Preferred
Stock deposited in accordance with the provisions of this Section, together with the other documents required as above specified, and
upon recordation of the Series L Preferred Stock on the books of the Corporation (or its duly appointed transfer agent) in the name of
the Depositary or its nominee, the Depositary, subject to the terms and conditions of this Deposit Agreement, shall execute and deliver
to or upon the order of the person or persons named in the written order delivered to the Depositary referred to in the first paragraph
of this Section, a Receipt or Receipts evidencing in the aggregate the number of Depositary Shares representing the Series L Preferred
Stock so deposited and registered in such name or names as may be requested by such person or persons. The Depositary shall execute and
deliver such Receipt or Receipts at the Depositary&rsquo;s Office or such other offices, if any, as the Depositary may designate. Delivery
at other offices shall be at the risk and expense of the person requesting such delivery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.3&#9;</B></FONT><B>Registration of Transfer of Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Subject to the terms and conditions of this Deposit
Agreement, the Depositary shall register on its books from time to time transfers of Receipts upon any surrender thereof by the Holder
in person or by duly authorized attorney, properly endorsed or accompanied by a properly executed instrument of transfer which shall be
affixed with the signature guarantee of a guarantor institution which is a participant in a signature guarantee program approved by the
Securities Transfer Association. Thereupon, the Depositary shall execute a new Receipt or Receipts evidencing the same aggregate number
of Depositary Shares as those evidenced by the Receipt or Receipts surrendered and deliver such new Receipt or Receipts to or upon the
order of the person entitled thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary shall not be required (a) to issue,
transfer or exchange any Receipts for a period beginning at the opening of business 30 days next preceding any selection of Depositary
Shares and Series L Preferred Stock to be redeemed and ending at the close of business on the day of the sending of notice of redemption,
or (b) to transfer or exchange for another Receipt any Receipt called or being called for redemption in whole or in part except as provided
in <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 2.8</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.4&#9;</B></FONT><B>Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Series L Preferred Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon surrender of a Receipt or Receipts at the
Depositary&rsquo;s Office or at such other offices as it may designate for the purpose of effecting a split-up or combination of such
Receipt or Receipts, and subject to the terms and conditions of this Deposit Agreement, the Depositary shall execute a new Receipt or
Receipts in the authorized denomination or denominations requested, evidencing the aggregate number of Depositary Shares evidenced by
the Receipt or Receipts surrendered, and shall deliver such new Receipt or Receipts to or upon the order of the Holder of the Receipt
or Receipts so surrendered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any Holder of a Receipt or Receipts may withdraw
the number of whole shares of Series L Preferred Stock and all money and other property, if any, represented thereby by surrendering such
Receipt or Receipts at the Depositary&rsquo;s Office or at such other offices as the Depositary may designate for such withdrawals. Thereafter,
without unreasonable delay, the Depositary shall deliver to such Holder, or to the person or persons designated by such Holder as hereinafter
provided, the number of whole shares of Series L Preferred Stock and all money and other property, if any, represented by the Receipt
or Receipts so surrendered for withdrawal, but Holders of such whole shares of Series L Preferred Stock will not thereafter be entitled
to deposit such Series L Preferred Stock hereunder or to receive a Receipt evidencing Depositary Shares therefor. If a Receipt delivered
by the Holder to the Depositary in connection with such withdrawal shall evidence a number of Depositary Shares in excess of the number
of Depositary Shares representing the number of whole shares of Series L Preferred Stock, the Depositary shall at the same time, in addition
to such number of whole shares of Series L Preferred Stock and such money and other property, if any, to be so withdrawn, deliver to such
Holder, or subject to <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section 2.3</U> upon his order, a new Receipt
evidencing such excess number of Depositary Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In no event will fractional shares of Series L
Preferred Stock (or any cash payment in lieu thereof) be delivered by the Depositary. Delivery of the Series L Preferred Stock and money
and other property, if any, being withdrawn may be made by the delivery of such certificates, documents of title and other instruments
as the Depositary may deem appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If the Series L Preferred Stock and the money and
other property, if any, being withdrawn are to be delivered to a person or persons other than the Record Holder of the related Receipt
or Receipts being surrendered for withdrawal of such Series L Preferred Stock, such Holder shall execute and deliver to the Depositary
a written order so directing the Depositary and the Depositary may require that the Receipt or Receipts surrendered by such Holder for
withdrawal of such shares of Series L Preferred Stock be properly endorsed in blank or accompanied by a properly executed instrument of
transfer in blank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Delivery of the Series L Preferred Stock and the
money and other property, if any, represented by Receipts surrendered for withdrawal shall be made by the Depositary at the Depositary&rsquo;s
Office, except that, at the request, risk and expense of the Holder surrendering such Receipt or Receipts and for the account of the Holder
thereof, such delivery may be made at such other place as may be designated by such Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.5&#9;</B></FONT><B>Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As a condition precedent to the execution and delivery,
registration of transfer, split-up, combination, surrender or exchange of any Receipt, the Depositary, any of the Depositary&rsquo;s Agents
or the Corporation may require payment to it of a sum sufficient for the payment (or, in the event that the Depositary or the Corporation
shall have made such payment, the reimbursement to it) of any charges or expenses payable by the Holder of a Receipt pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section
5.7</U>, may require the production of evidence satisfactory to it as to the identity and genuineness of any signature, and may also require
compliance with such regulations, if any, as the Depositary or the Corporation may establish consistent with the provisions of this Deposit
Agreement and/or applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The deposit of the Series L Preferred Stock may
be refused, the delivery of Receipts against Series L Preferred Stock may be suspended, the registration of transfer of Receipts may be
refused and the registration of transfer, surrender or exchange of outstanding Receipts may be suspended (i) during any period when the
register of stockholders of the Corporation is closed or (ii) if any such action is deemed necessary or advisable by the Depositary, any
of the Depositary&rsquo;s Agents or the Corporation at any time or from time to time because of any requirement of law or of any government
or governmental body or commission or under any provision of this Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.6&#9;</B></FONT><B>Lost Receipts, etc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In case any Receipt shall be mutilated, destroyed,
lost or stolen, the Depositary in its discretion may execute and deliver a Receipt of like form and tenor in exchange and substitution
for such mutilated Receipt, or in lieu of and in substitution for such destroyed, lost or stolen Receipt, upon (i) the filing by the Holder
thereof with the Depositary of evidence satisfactory to the Depositary of such destruction or loss or theft of such Receipt, of the authenticity
thereof and of his or her ownership thereof and (ii) the Holder thereof furnishing the Depositary with an affidavit and a bond satisfactory
to the Depositary. Applicants for such substitute Receipts shall also comply with such other reasonable regulations and pay such other
reasonable charges as the Depositary may prescribe and as required by Section 8-405 of the Uniform Commercial Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.7&#9;</B></FONT><B>Cancellation and Destruction of Surrendered Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">All Receipts surrendered to the Depositary or any
Depositary&rsquo;s Agent shall be cancelled by the Depositary. Except as prohibited by applicable law or regulation, the Depositary is
authorized and directed to destroy all Receipts so cancelled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.8&#9;</B></FONT><B>Redemption of Series L Preferred Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Whenever the Corporation shall be permitted and
shall elect to redeem shares of Series L Preferred Stock in accordance with the terms of the Certificate of Designations (including on
account of a Regulatory Capital Treatment Event, as described therein), it shall (unless otherwise agreed to in writing with the Depositary)
give or cause to be given to the Depositary, not less than 30 days and not more than 60 days prior to the Redemption Date (as defined
below), notice of such redemption, which shall state: (i) the Redemption Date; (ii) the number of shares of Series L Preferred Stock to
be redeemed and, if less than all the shares of Series L Preferred Stock are to be redeemed, the number of such shares of Series L Preferred
Stock held by the Depositary to be so redeemed; (iii) the redemption price; and (iv) the place or places where the certificates evidencing
shares of Series L Preferred Stock, if any, are to be surrendered for payment of the redemption price. In case less than all the outstanding
shares of Series L Preferred Stock are to be redeemed, the shares of Series L Preferred Stock to be so redeemed shall be selected either
pro rata or by lot or in such other manner determined by the Corporation to be fair and equitable. On the date of such redemption, the
Depositary shall redeem the number of Depositary Shares representing such Series L Preferred Stock, <U>provided</U> that the Corporation
shall then have paid or caused to be paid in full to Computershare the redemption price of the Series L Preferred Stock to be redeemed,
plus an amount equal to any declared and unpaid dividends thereon to the date fixed for redemption in accordance with the provisions of
the Certificate of Designations. The Depositary shall send notice of the Corporation&rsquo;s redemption of Series L Preferred Stock and
the proposed simultaneous redemption of the number of Depositary Shares representing the Series L Preferred Stock to be redeemed by a
reasonably acceptable transmission method, not less than 30 days and not more than 60 days prior to the date fixed for redemption of such
Series L Preferred Stock and Depositary Shares (the &ldquo;Redemption Date&rdquo;), to the Record Holders of the Receipts evidencing the
Depositary Shares to be so redeemed at their respective last addresses as they appear on the records of the Depositary; but neither failure
to send any such notice of redemption of Depositary Shares to one or more such Holders nor any defect in any notice of redemption of Depositary
Shares to one or more such Holders shall affect the sufficiency of the proceedings for redemption as to the other Holders. In case less
than all the outstanding Depositary Shares are to be redeemed, the Depositary Shares to be so redeemed shall be selected either pro rata
or by lot or in such other manner determined by the Corporation to be fair and equitable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notice having been transmitted by the Depositary
as aforesaid, from and after the Redemption Date (unless the Corporation shall have failed to provide the funds necessary to redeem the
Series L Preferred Stock evidenced by the Depositary Shares called for redemption), (i) dividends on the shares of Series L Preferred
Stock so called for Redemption shall cease to accrue from and after such date and all shares of Series L Preferred Stock called for redemption
shall cease to be outstanding and any rights with respect to such shares shall cease and terminate (except for the right to receive the
redemption price without interest), (ii) the Depositary Shares being redeemed from such proceeds shall be deemed no longer to be outstanding,
(iii) all rights of the Holders of Receipts evidencing such Depositary Shares (except the right to receive the redemption price without
interest) shall, to the extent of such Depositary Shares, cease and terminate, and (iv) upon surrender in accordance with such redemption
notice of the Receipts evidencing any such Depositary Shares called for redemption (properly endorsed or assigned for transfer, if the
Depositary or applicable law shall so require), such Depositary Shares shall be redeemed by the Depositary at a redemption price per Depositary
Share equal to 1/40th of the redemption price per share of Series L Preferred Stock so redeemed plus all money and other property, if
any, represented by such Depositary Shares, including all amounts declared and paid by the Corporation in respect of dividends in accordance
with the provisions of the Certificate of Designations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If fewer than all of the Depositary Shares evidenced
by a Receipt are called for redemption, the Depositary or Computershare, as appropriate, will deliver to the Holder of such Receipt upon
its surrender to the Depositary, together with the redemption payment, a new Receipt evidencing the Depositary Shares evidenced by such
prior Receipt and not called for redemption. In any such case, the Corporation shall redeem Depositary Shares only in increments of 10
Depositary Shares and any multiple thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.9&#9;</B></FONT><B>Bank Accounts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">All funds received by Computershare under this
Deposit Agreement that are to be distributed or applied by Computershare in the performance of Services (the &ldquo;Funds&rdquo;) shall
be held by Computershare as agent for the Company and deposited in one or more bank accounts to be maintained by Computershare in its
name as agent for the Company. Until paid pursuant to this Deposit Agreement, Computershare may hold or invest the Funds through such
accounts in: (i) obligations of, or guaranteed by, the United States of America, (ii) commercial paper obligations rated A-1 or P-1 or
better by S&amp;P or Moody&rsquo;s, respectively, (iii) money market funds that comply with Rule 2a-7 of the Investment Company Act of
1940, or (iv) demand deposit accounts, short term certificates of deposit, bank repurchase agreements or bankers&rsquo; acceptances, of
commercial banks with Tier 1 capital exceeding $1 billion or with an average rating above investment grade by S&amp;P (LT Local Issuer
Credit Rating), Moody&rsquo;s (Long Term Rating) and Fitch Ratings, Inc. (LT Issuer Default Rating) (each as reported by Bloomberg Finance
L.P.). The Company shall have no responsibility or liability for any diminution of the Funds that may result from any deposit or investment
made by Computershare in accordance with this paragraph. Computershare may from time to time receive interest, dividends or other earnings
in connection with such deposits or investments. Computershare shall not be obligated to pay such interest, dividends or earnings to the
Company, any holder or any other party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.10&#9;</B></FONT><B>Receipts Issuable in Global Registered Form.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If the Corporation shall determine in a writing
delivered to the Depositary that the Receipts are to be issued in whole or in part in the form of one or more Global Registered Receipts,
then the Depositary shall, in accordance with the other provisions of this Deposit Agreement, execute and deliver one or more Global Registered
Receipts evidencing the Receipts of such Series, which (i) shall represent, and shall be denominated in an amount equal to the aggregate
principal amount of, the Receipts to be represented by such Global Registered Receipt or Receipts and (ii) shall be registered in the
name of the Global Receipt Depository therefor or its nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding any other provision of this Deposit
Agreement to the contrary, unless otherwise provided in the Global Registered Receipt, a Global Registered Receipt may only be transferred
in whole and only by the applicable Global Receipt Depository for such Global Registered Receipt to a nominee of such Global Receipt Depository,
or by a nominee of such Global Receipt Depository to such Global</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Receipt
Depository or another nominee of such Global Receipt Depository, or by such Global Receipt Depository or any such nominee to a successor
Global Receipt Depository for such Global Registered Receipt selected or approved by the Corporation or to a nominee of such successor
Global Receipt Depository. Except as provided below, owners solely of beneficial interests in a Global Registered Receipt shall not be
entitled to receive physical delivery of the Receipts represented by such Global Registered Receipt. Neither any such beneficial owner
nor any direct or indirect participant of a Global Receipt Depository shall have any rights under this Deposit Agreement with respect
to any Global Registered Receipt held on their behalf by a Global Receipt Depository and such Global Receipt Depository may be treated
by the Corporation, the Depositary and any director, officer, employee or agent of the Corporation or the Depositary as the holder of
such Global Registered Receipt for all purposes whatsoever. Unless and until definitive Receipts are delivered to the owners of the beneficial
interests in a Global Registered Receipt, (1) the applicable Global Receipt Depository will make book-entry transfers among its participants
and receive and transmit all payments and distributions in respect of the Global Registered Receipts to such participants, in each case,
in accordance with its applicable procedures and arrangements, and (2) whenever any notice, payment or other communication to the holders
of Global Registered Receipts is required under this Deposit Agreement, the Corporation and the Depositary or Computershare, as appropriate,
shall give all such notices, payments and communications specified herein to be given to such holders to the applicable Global Receipt
Depository.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If an Exchange Event has occurred with respect
to any Global Registered Receipt, then, in any such event, the Depositary shall, upon receipt of a written order from the Corporation
for the execution and delivery of individual definitive registered Receipts in exchange for such Global Registered Receipt, shall execute
and deliver, individual definitive registered Receipts, in authorized denominations and of like tenor and terms in an aggregate principal
amount equal to the principal amount of the Global Registered Receipt in exchange for such Global Registered Receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Definitive registered Receipts issued in exchange
for a Global Registered Receipt pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section 2.10</U> shall
be registered in such names and in such authorized denominations as the Global Receipt Depository for such Global Registered Receipt,
pursuant to instructions from its participants, shall instruct the Depositary in writing. The Depositary shall deliver such Receipts to
the persons in whose names such Receipts are so registered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding anything to the contrary in this
Deposit Agreement, should the Corporation determine that the Receipts should be issued as a Global Registered Receipt, the parties hereto
shall comply with the terms of any Letter of Representations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
III</B></FONT><B><BR>
CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.1&#9;</B></FONT><B>Filing Proofs, Certificates and Other Information.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any Holder of a Receipt may be required from time
to time to file such proof of residence, or other matters or other information, to execute such certificates and to make such representations
and warranties as the Depositary or the Corporation may reasonably deem necessary or proper. The Depositary or the Corporation may withhold
the delivery, or delay the registration of transfer or redemption, of any Receipt or the withdrawal of the Series L Preferred Stock represented
by the Depositary Shares and evidenced by a Receipt or the distribution of any dividend or other distribution or the sale of any rights
or of the proceeds thereof until such proof or other information is filed or such certificates are executed or such representations and
warranties are made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.2&#9;</B></FONT><B>Payment of Taxes or Other Governmental Charges.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of Receipts shall be obligated to make
payments to the Depositary of certain charges and expenses, as provided in <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section
5.7</U>. Registration of transfer of any Receipt or any withdrawal of Series L Preferred Stock and all money or other property, if any,
represented by the Depositary Shares evidenced by</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">such Receipt
may be refused until any such payment due is made, and any dividends, interest payments or other distributions may be withheld or any
part of or all the Series L Preferred Stock or other property represented by the Depositary Shares evidenced by such Receipt and not
theretofore sold may be sold for the account of the Holder thereof (after attempting by reasonable means to notify such Holder prior
to such sale), and such dividends, interest payments or other distributions or the proceeds of any such sale may be applied to any payment
of such charges or expenses, the Holder of such Receipt remaining liable for any deficiency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.3&#9;</B></FONT><B>Warranty as to Series L Preferred Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation hereby represents and warrants
that the Series L Preferred Stock, when issued, will be duly authorized, validly issued, fully paid and nonassessable (subject to 12 U.S.C.
&sect; 55). Such representation and warranty shall survive the deposit of the Series L Preferred Stock and the issuance of the related
Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.4&#9;</B></FONT><B>Warranty as to Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation hereby represents and warrants
that the Receipts, when issued, will represent legal and valid interests in the Series L Preferred Stock. Such representation and warranty
shall survive the deposit of the Series L Preferred Stock and the issuance of the Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
IV</B></FONT><B><BR>
THE DEPOSITED SECURITIES; NOTICES</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.1&#9;</B></FONT><B>Cash Distributions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Whenever Computershare shall receive any cash dividend
or other cash distribution on the Series L Preferred Stock, Computershare shall, subject to <U>Sections <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT>3.1</U>
and <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>3.2</U>, distribute to Record Holders of Receipts on
the record date fixed pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 4.4</U> such
amounts of such dividend or distribution as are, as nearly as practicable, in proportion to the respective numbers of Depositary Shares
evidenced by the Receipts held by such Holders; <U>provided</U>, <U>however</U>, that in case the Corporation or Computershare shall be
required to withhold and shall withhold from any cash dividend or other cash distribution in respect of the Series L Preferred Stock an
amount on account of taxes, the amount made available for distribution or distributed in respect of Depositary Shares shall be reduced
accordingly. Computershare shall distribute or make available for distribution, as the case may be, only such amount, however, as can
be distributed without attributing to any Holder of Receipts a fraction of one cent. Each Holder of a Receipt shall provide the Depositary
with its certified tax identification number on a properly completed Form W-8 or W-9, as may be applicable. Each Holder of a Receipt acknowledges
that, in the event of non-compliance with the preceding sentence, the Internal Revenue Code of 1986, as amended, may require withholding
by the Corporation or Computershare of a portion of any of the distributions to be made hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.2&#9;</B></FONT><B>Distributions Other than Cash, Rights, Preferences or Privileges.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Whenever the Depositary shall receive any distribution
other than cash, rights, preferences or privileges upon the Series L Preferred Stock, the Depositary shall, at the direction of the Corporation,
subject to <U>Sections <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT>3.1</U> and <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>3.2</U>,
distribute to Record Holders of Receipts on the record date fixed pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section
4.4</U> such amounts of the securities or property received by it as are, as nearly as practicable, in proportion to the respective numbers
of Depositary Shares evidenced by such Receipts held by such Holders, in any manner that the Depositary may deem equitable and practicable
for accomplishing such distribution. If in the opinion of the Depositary such distribution cannot be made proportionately among such Record
Holders in accordance with the direction of the Corporation, or if for any other reason (including any requirement that the Corporation
or the Depositary withhold an amount on account of taxes) the Depositary deems, after consultation with the Corporation, such distribution
not to be feasible, the Depositary may, with the approval of the Corporation, adopt such method as it deems equitable and practicable
for the purpose of effecting such distribution, including the sale (at public or private sale) of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">securities
or property thus received, or any part thereof, in a commercially reasonable manner. The net proceeds of any such sale shall, subject
to <U>Sections <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT>3.1</U> and <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>3.2</U>,
be distributed or made available for distribution, as the case may be, by Computershare to Record Holders of Receipts as provided by
<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 4.1</U> in the case of a distribution received
in cash. The Corporation shall not make any distribution of such securities or property to the Depositary and the Depositary shall not
make any distribution of such securities or property to the Holders of Receipts unless the Corporation shall have provided an opinion
of counsel stating that such securities or property have been registered under the Securities Act or do not need to be registered in
connection with such distributions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.3&#9;</B></FONT><B>Subscription Rights, Preferences or Privileges.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If the Corporation shall at any time offer or cause
to be offered to the persons in whose names the Series L Preferred Stock is recorded on the books of the Corporation any rights, preferences
or privileges to subscribe for or to purchase any securities or any rights, preferences or privileges of any other nature, such rights,
preferences or privileges shall in each such instance be made available by the Depositary to the Record Holders of Receipts in such manner
as the Company shall instruct the Depositary in writing, either by the issue to such Record Holders of warrants representing such rights,
preferences or privileges or by such other method as may be approved by the Depositary in its discretion with the approval of the Corporation;
<U>provided</U>, <U>however</U>, that (i) if at the time of issue or offer of any such rights, preferences or privileges the Depositary
determines that it is not lawful or (after consultation with the Corporation) not feasible to make such rights, preferences or privileges
available to Holders of Receipts by the issue of warrants or otherwise, or (ii) if and to the extent so instructed by Holders of Receipts
who do not desire to exercise such rights, preferences or privileges, then the Depositary, in its discretion (with approval of the Corporation,
in any case where the Depositary has determined that it is not feasible to make such rights, preferences or privileges available), may,
if applicable laws or the terms of such rights, preferences or privileges permit such transfer, sell such rights, preferences or privileges
at public or private sale, at such place or places and upon such terms as it may deem proper. The net proceeds of any such sale shall,
subject to <U>Sections <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT>3.1</U> and <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>3.2</U>,
be distributed by the Depositary to the Record Holders of Receipts entitled thereto as provided by <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section
4.1</U> in the case of a distribution received in cash.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation shall notify the Depositary whether
registration under the Securities Act of the securities to which any rights, preferences or privileges relate is required in order for
Holders of Receipts to be offered or sold the securities to which such rights, preferences or privileges relate, and the Corporation agrees
with the Depositary that it will file promptly a registration statement pursuant to the Securities Act with respect to such rights, preferences
or privileges and securities and use its best efforts and take all steps available to it to cause such registration statement to become
effective sufficiently in advance of the expiration of such rights, preferences or privileges to enable such Holders to exercise such
rights, preferences or privileges. In no event shall the Depositary make available to the Holders of Receipts any right, preference or
privilege to subscribe for or to purchase any securities unless and until such registration statement shall have become effective, or
the Corporation shall have provided to the Depositary an opinion of counsel to the effect that the offering and sale of such securities
to the Holders are exempt from registration under the provisions of the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation shall notify the Depositary whether
any other action under the laws of any jurisdiction or any governmental or administrative authorization, consent or permit is required
in order for such rights, preferences or privileges to be made available to Holders of Receipts, and the Corporation agrees with the Depositary
that the Corporation will use its reasonable best efforts to take such action or obtain such authorization, consent or permit sufficiently
in advance of the expiration of such rights, preferences or privileges to enable such Holders to exercise such rights, preferences or
privileges.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.4&#9;</B></FONT><B>Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Whenever any cash dividend or other cash distribution
shall become payable or any distribution other than cash shall be made, or if rights, preferences or privileges shall at any time be offered,
with respect to the Series L Preferred Stock, or whenever the Depositary shall receive notice of any meeting at which holders of the Series
L Preferred Stock are entitled to vote or of which holders of the Series L</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Preferred Stock are entitled to notice, or whenever
the Depositary and the Corporation shall decide it is appropriate, the Depositary shall in each such instance fix a record date (which
shall be the same date as the record date fixed by the Corporation with respect to or otherwise in accordance with the terms of the Series
L Preferred Stock) for the determination of the Holders of Receipts who shall be entitled to receive such dividend, distribution, rights,
preferences or privileges or the net proceeds of the sale thereof, or to give instructions for the exercise of voting rights at any such
meeting, or who shall be entitled to notice of such meeting or for any other appropriate reasons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.5&#9;</B></FONT><B>Voting Rights.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Subject to the provisions of the Certificate of
Designations, upon receipt of notice of any meeting at which the holders of the Series L Preferred Stock are entitled to vote, the Depositary
shall, as soon as practicable thereafter, send to the Record Holders of Receipts a notice prepared by the Corporation which shall contain
(i) such information as is contained in such notice of meeting and (ii) a statement that the Holders may, subject to any applicable restrictions,
instruct the Depositary as to the exercise of the voting rights pertaining to the amount of Series L Preferred Stock represented by their
respective Depositary Shares (including an express indication that instructions may be given to the Depositary to give a discretionary
proxy to a person designated by the Corporation) and a brief statement as to the manner in which such instructions may be given. Upon
the written request of the Holders of Receipts on the relevant record date, the Depositary shall endeavor insofar as practicable to vote
or cause to be voted, in accordance with the instructions set forth in such requests, the maximum number of whole shares of Series L Preferred
Stock represented by the Depositary Shares evidenced by all Receipts as to which any particular voting instructions are received. The
Corporation hereby agrees to take all reasonable action which may be deemed necessary by the Depositary in order to enable the Depositary
to vote such Series L Preferred Stock or cause such Series L Preferred Stock to be voted. In the absence of specific instructions from
the Holder of a Receipt, the Depositary will not vote (but, at its discretion, may appear at any meeting with respect to such Series L
Preferred Stock unless directed to the contrary by the Holders of all the Receipts) to the extent of the Series L Preferred Stock represented
by the Depositary Shares evidenced by such Receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.6&#9;</B></FONT><B>Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon any change in par or stated value, split-up,
combination or any other reclassification of the Series L Preferred Stock, subject to the provisions of the Certificate of Designations,
or upon any recapitalization, reorganization, merger or consolidation affecting the Corporation or to which it is a party, the Depositary
may in its discretion with the approval of, and shall upon the instructions of, the Corporation, and (in either case) in such manner as
the Depositary may deem equitable, (i) make such adjustments as are certified by the Corporation in the fraction of an interest represented
by one Depositary Share in one share of Series L Preferred Stock and in the ratio of the redemption price per Depositary Share to the
redemption price per share of Series L Preferred Stock, in each case as may be necessary fully to reflect the effects of such change in
par or stated value, split-up, combination or other reclassification of the Series L Preferred Stock, or of such recapitalization, reorganization,
merger or consolidation and (ii) treat any securities which shall be received by the Depositary in exchange for or upon conversion of
or in respect of the Series L Preferred Stock as new deposited securities so received in exchange for or upon conversion of or in respect
of such Series L Preferred Stock. In any such case the Depositary may in its discretion, with the approval of the Corporation, execute
and deliver additional Receipts or may call for the surrender of all outstanding Receipts to be exchanged for new Receipts specifically
describing such new deposited securities. Anything to the contrary herein notwithstanding, Holders of Receipts shall have the right from
and after the effective date of any such change in par or stated value, split-up, combination or other reclassification of the Series
L Preferred Stock or any such recapitalization, reorganization, merger or consolidation to surrender such Receipts to the Depositary with
instructions to convert, exchange or surrender the Series L Preferred Stock represented thereby only into or for, as the case may be,
the kind and amount of shares and other securities and property and cash into which the Series L Preferred Stock represented by such Receipts
might have been converted or for which such Series L Preferred Stock might have been exchanged or surrendered immediately prior to the
effective date of such transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.7&#9;</B></FONT><B>Delivery of Reports.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary shall furnish to Holders of Receipts
any reports and communications received from the Corporation which is received by the Depositary and which the Corporation is required
to furnish to the holders of the Series L Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.8&#9;</B></FONT><B>Lists of Receipt Holders.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Reasonably promptly upon request from time to time
by the Corporation, at the sole expense of the Corporation, the Depositary shall furnish to it a list, as of the most recent practicable
date, of the names, addresses and holdings of Depositary Shares of all registered Holders of Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
V</B></FONT><B><BR>
THE DEPOSITARY, THE DEPOSITARY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.1&#9;</B></FONT><B>Maintenance of Offices, Agencies and Transfer Books by the Depositary; Registrar.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon execution of this Deposit Agreement, the Depositary
shall maintain at the Depositary&rsquo;s Office, facilities for the execution and delivery, registration and registration of transfer,
surrender and exchange of Receipts, and at the offices of the Depositary&rsquo;s Agents, if any, facilities for the delivery, registration
of transfer, surrender and exchange of Receipts, all in accordance with the provisions of this Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary shall keep books at the Depositary&rsquo;s
Office for the registration and registration of transfer of Receipts, which books at all reasonable times shall be open for inspection
by the Record Holders of Receipts; <U>provided</U> that any such Holder requesting to exercise such right shall certify to the Depositary
that such inspection shall be for a proper purpose reasonably related to such Holder&rsquo;s interest as an owner of Depositary Shares
evidenced by the Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary may close such books, at any time
or from time to time, when deemed expedient by it in connection with the performance of its duties hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary may, with the approval of the Corporation,
appoint a Registrar for registration of the Receipts or the Depositary Shares evidenced thereby. If the Receipts or the Depositary Shares
evidenced thereby or the Series L Preferred Stock represented by such Depositary Shares shall be listed on one or more national securities
exchanges, the Depositary will appoint a Registrar (acceptable to the Corporation) for registration of the Receipts or Depositary Shares
in accordance with any requirements of such exchange. Such Registrar (which may be the Depositary if so permitted by the requirements
of any such exchange) may be removed and a substitute registrar appointed by the Depositary upon the request or with the approval of the
Corporation. If the Receipts, Depositary Shares or Series L Preferred Stock are listed on one or more other securities exchanges, the
Depositary will, at the request of the Corporation, arrange such facilities for the delivery, registration or registration of transfer,
surrender and exchange of the Receipts, Depositary Shares or Series L Preferred Stock as may be required by law or applicable securities
exchange regulation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.2&#9;</B></FONT><B>Prevention of or Delay in Performance by the Depositary, the Depositary&rsquo;s Agents, the Registrar or the Corporation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Corporation shall incur any liability to any Holder of a Receipt if by reason of any provision of any
present or future law, or regulation thereunder, of the United States of America or of any other governmental authority or, in the case
of the Depositary, the Depositary&rsquo;s Agent or the Registrar, by reason of any provision, present or future, of the Corporation&rsquo;s
Restated Certificate of Incorporation, as amended (including the Certificate of Designations), or by reason of any act of God or war or
other circumstance beyond the control of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">relevant
party, the Depositary, the Depositary&rsquo;s Agent, the Registrar or the Corporation shall be prevented or forbidden from, or subjected
to any penalty on account of, doing or performing any act or thing which the terms of this Deposit Agreement provide shall be done or
performed; nor shall the Depositary, any Depositary&rsquo;s Agent, any Registrar or the Corporation incur liability to any Holder of
a Receipt (i) by reason of any nonperformance or delay, caused as aforesaid, in the performance of any act or thing which the terms of
this Deposit Agreement shall provide shall or may be done or performed, or (ii) by reason of any exercise of, or failure to exercise,
any discretion provided for in this Deposit Agreement except as otherwise explicitly set forth in this Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.3&#9;</B></FONT><B>Obligations of the Depositary, the Depositary&rsquo;s Agents, the Registrar and the Corporation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Corporation assumes any obligation or shall be subject to any liability under this Deposit Agreement to
Holders of Receipts other than for its gross negligence, willful misconduct or bad faith. Notwithstanding anything in this Deposit Agreement
to the contrary, excluding the Depositary&rsquo;s gross negligence, willful misconduct or bad faith, the Depositary&rsquo;s aggregate
liability under this Deposit Agreement with respect to, arising from or arising in connection with this Deposit Agreement, or from all
services provided or omitted to be provided under this Deposit Agreement, whether in contract, tort, or otherwise, is limited to, and
shall not exceed, the amounts paid hereunder by the Corporation to the Depositary as fees and charges, but not including reimbursable
expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding anything in this Deposit Agreement
to the contrary, neither the Depositary, nor the Depositary&rsquo;s Agent nor any Registrar nor the Corporation shall be liable in any
event for special, punitive, incidental, indirect or consequential losses or damages of any kind whatsoever (including but not limited
to lost profits).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Corporation shall be under any obligation to appear in, prosecute or defend any action, suit or other
proceeding in respect of the Series L Preferred Stock, the Depositary Shares or the Receipts which in its opinion may involve it in expense
or liability unless indemnity satisfactory to it against all expense and liability be furnished as often as may be required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Corporation shall be liable for any action or any failure to act by it in reliance upon the written advice
of legal counsel or accountants, or information from any person presenting Series L Preferred Stock for deposit, any Holder of a Receipt
or any other person believed by it in good faith to be competent to give such information. The Depositary, any Depositary&rsquo;s Agent,
any Registrar and the Corporation may each rely and shall each be protected in acting upon or omitting to act upon any written notice,
request, direction or other document believed by it to be genuine and to have been signed or presented by the proper party or parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary shall not be responsible for any
failure to carry out any instruction to vote any of the shares of Series L Preferred Stock or for the manner or effect of any such vote
made, as long as any such action or non-action is not taken in bad faith. The Depositary undertakes, and any Registrar shall be required
to undertake, to perform such duties and only such duties as are specifically set forth in this Deposit Agreement, and no implied covenants
or obligations shall be read into this Deposit Agreement against the Depositary or any Registrar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary, the Depositary&rsquo;s Agents,
and any Registrar may own and deal in any class of securities of the Corporation and its affiliates and in Receipts. The Depositary may
also act as transfer agent or registrar of any of the securities of the Corporation and its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary shall not be under any liability
for interest on any monies at any time received by it pursuant to any of the provisions of this Deposit Agreement or of the Receipts,
the Depositary Shares or the Series L Preferred Stock nor shall it be obligated to segregate such monies from other monies held by it,
except as required by law. The Depositary shall not be responsible for advancing funds on behalf of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Corporation
and shall have no duty or obligation to make any payments if it has not timely received sufficient funds to make timely payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In the event the Depositary believes any ambiguity
or uncertainty exists hereunder or in any notice, instruction, direction, request or other communication, paper or document received by
the Depositary hereunder, or in the administration of any of the provisions of this Deposit Agreement, the Depositary shall deem it necessary
or desirable that a matter be proved or established prior to taking, omitting or suffering to take any action hereunder, the Depositary
may, in its sole discretion upon written notice to the Corporation, refrain from taking any action and shall be fully protected and shall
not be liable in any way to the Corporation, any Holders of Receipts or any other person or entity for refraining from taking such action,
unless the Depositary receives written instructions or a certificate signed by the Corporation which eliminates such ambiguity or uncertainty
to the satisfaction of the Depositary or which proves or establishes the applicable matter to the satisfaction of the Depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">From time to time, the Corporation may provide
the Depositary with instructions concerning the services performed by the Depositary under this Deposit Agreement. In addition, at any
time, the Depositary may apply to any officer of the Corporation for instruction, and may consult with legal counsel for the Depositary
or the Corporation with respect to any matter arising in connection with the services to be performed by the Depositary under this Deposit
Agreement. The Depositary and its agents and subcontractors shall not be liable and shall be indemnified by the Corporation for any action
taken or omitted by the Depositary in reliance upon any Corporation instructions or upon the advice or opinion of <I>such </I>counsel.
The Depositary shall not be held to have notice of any change of authority of any person, until receipt of written notice thereof from
the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.4&#9;</B></FONT><B>Resignation and Removal of the Depositary; Appointment of Successor Depositary.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary may at any time resign as Depositary
hereunder by delivering notice of its election to do so to the Corporation, such resignation to take effect upon the appointment of a
successor Depositary and its acceptance of such appointment as hereinafter provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary may at any time be removed by the
Corporation by notice of such removal delivered to the Depositary, such removal to take effect upon the appointment of a successor Depositary
hereunder and its acceptance of such appointment as hereinafter provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In case at any time the Depositary acting hereunder
shall resign or be removed, the Corporation shall, within 60 days after the delivery of the notice of resignation or removal, as the case
may be, appoint a successor Depositary, which shall be a bank or trust company having its principal office in the United States of America
and having a combined capital and surplus, along with its affiliates, of at least $50,000,000. If no successor Depositary shall have been
so appointed and have accepted appointment within 60 days after delivery of such notice, the resigning or removed Depositary may petition
any court of competent jurisdiction for the appointment of a successor Depositary. Every successor Depositary shall execute and deliver
to its predecessor and to the Corporation an instrument in writing accepting its appointment hereunder, and thereupon such successor Depositary,
without any further act or deed, shall become fully vested with all the rights, powers, duties and obligations of its predecessor and
for all purposes shall be the Depositary under this Deposit Agreement, and such predecessor, upon payment of all sums due it and on the
written request of the Corporation, shall promptly execute and deliver an instrument transferring to such successor all rights and powers
of such predecessor hereunder, shall duly assign, transfer and deliver all right, title and interest in the Series L Preferred Stock and
any moneys or property held hereunder to such successor, and shall deliver to such successor a list of the Record Holders of all outstanding
Receipts and such records, books and other information in its possession relating thereto. Any successor Depositary shall promptly send
notice of its appointment to the Record Holders of Receipts at the Corporation&rsquo;s sole expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any entity into or with which the Depositary may
be merged, consolidated or converted shall be the successor of the Depositary without the execution or filing of any document or any further
act, and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">notice thereof
shall not be required hereunder. Such successor Depositary may authenticate the Receipts in the name of the predecessor Depositary or
its own name as successor Depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.5&#9;</B></FONT><B>Corporate Notices and Reports.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation agrees that it will deliver to
the Depositary, and the Depositary will, promptly after receipt thereof, transmit to the Record Holders of Receipts, in each case at the
addresses recorded in the Depositary&rsquo;s books, copies of all notices and reports (including without limitation financial statements)
required by law, by the rules of any national securities exchange upon which the Series L Preferred Stock, the Depositary Shares or the
Receipts are listed or by the Corporation&rsquo;s Restated Certificate of Incorporation, as amended (including the Certificate of Designations),
to be furnished to the Record Holders of Receipts. Such transmission will be at the Corporation&rsquo;s expense and the Corporation will
provide the Depositary with such number of copies of such documents as the Depositary may reasonably request. In addition, the Depositary
will transmit to the Record Holders of Receipts at the Corporation&rsquo;s expense such other documents as may be requested by the Corporation.
Unless otherwise required by law, the requirements set forth in this <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section
5.5</U> may be satisfied by publicly filing or furnishing such information with or to the U.S. Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.6&#9;</B></FONT><B>Indemnification by the Corporation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section
5.3</U> to the contrary, the Corporation shall indemnify the Depositary, any Depositary&rsquo;s Agent and any Registrar (including each
of their officers, directors, agents and employees) against, and hold each of them harmless from, any loss, damage, cost, penalty, liability
or expense (including the reasonable costs and expenses of defending itself) which may arise out of acts performed, suffered or omitted
to be taken in connection with this Deposit Agreement and the Receipts by the Depositary, any Registrar or any of their respective agents
(including any Depositary&rsquo;s Agent) and any transactions or documents contemplated hereby, except for any liability arising out of
gross negligence, willful misconduct or bad faith on the respective parts of any such person or persons. The obligations of the Corporation
set forth in this <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section 5.6</U> shall survive any succession
of any Depositary, Registrar or Depositary&rsquo;s Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.7&#9;</B></FONT><B>Fees, Charges and Expenses.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation agrees promptly to pay the Depositary
the compensation to be agreed upon with the Corporation for all services rendered by the Depositary hereunder and to reimburse the Depositary
for its reasonable out-of-pocket expenses (including reasonable counsel fees and expenses) incurred by the Depositary without gross negligence,
willful misconduct or bad faith on its part (or on the part of any agent or Depositary&rsquo;s Agent) in connection with the services
rendered by it (or such agent or Depositary&rsquo;s Agent) hereunder. The Corporation shall pay all charges of the Depositary in connection
with the initial deposit of the Series L Preferred Stock and the initial issuance of the Depositary Shares, all withdrawals of shares
of Series L Preferred Stock by owners of Depositary Shares, and any redemption or exchange of the Series L Preferred Stock at the option
of the Corporation. The Corporation shall pay all transfer and other taxes and governmental charges arising solely from the existence
of the depositary arrangements. All other transfer and other taxes and governmental charges shall be at the expense of Holders of Depositary
Shares evidenced by Receipts. If, at the request of a Holder of Receipts, the Depositary incurs charges or expenses for which the Corporation
is not otherwise liable hereunder, such Holder will be liable for such charges and expenses; <U>provided</U>, <U>however</U>, that the
Depositary may, at its sole option, require a Holder of a Receipt to prepay the Depositary any charge or expense the Depositary has been
asked to incur at the request of such Holder of Receipts. The Depositary shall present its statement for charges and expenses to the Corporation
at such intervals as the Corporation and the Depositary may agree.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
VI</B></FONT><B><BR>
AMENDMENT AND TERMINATION</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
6.1&#9;</B></FONT><B>Amendment.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The form of the Receipts and any provisions of
this Deposit Agreement may at any time and from time to time be amended by agreement between the Corporation and the Depositary in any
respect which they may deem necessary or desirable; <U>provided</U>, <U>however</U>, that no such amendment which shall materially and
adversely alter the rights of the Holders of Receipts shall be effective against the Holders of Receipts unless such amendment shall have
been approved by the Holders of Receipts representing in the aggregate at least a two-thirds majority of the Depositary Shares then outstanding.
Every Holder of an outstanding Receipt at the time any such amendment becomes effective shall be deemed, by continuing to hold such Receipt,
to consent and agree to such amendment and to be bound by the Deposit Agreement as amended thereby. In no event shall any amendment impair
the right, subject to the provisions of Sections <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>2.5</U>
and <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>2.6</U> and <U>Article <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT>III</U>,
of any owner of Depositary Shares to surrender any Receipt evidencing such Depositary Shares to the Depositary with instructions to deliver
to the Holder the Series L Preferred Stock and all money and other property, if any, represented thereby, except in order to comply with
mandatory provisions of applicable law or the rules and regulations of any governmental body, agency or commission, or applicable securities
exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
6.2&#9;</B></FONT><B>Termination.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Deposit Agreement may be terminated by the
Corporation or the Depositary only if (i) all outstanding Depositary Shares issued hereunder have been redeemed pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT><U>Section
2.8</U>, (ii) there shall have been made a final distribution in respect of the Series L Preferred Stock in connection with any liquidation,
dissolution or winding up of the Corporation and such distribution shall have been distributed to the Holders of Receipts representing
Depositary Shares pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>Section 4.1</U> or <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>4.2</U>,
as applicable or (iii) upon the consent of Holders of Receipts representing in the aggregate not less than two-thirds of the Depositary
Shares outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The rights and obligations of the Depositary and
the Corporation under <U>Sections <FONT STYLE="font-family: Times New Roman, Times, Serif">&lrm;</FONT>5.3</U>, <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>5.6</U>
and <FONT STYLE="font-family: Times New Roman, Times, Serif"><U>&lrm;</U></FONT><U>5.7</U> hereof shall survive termination of this Deposit
Agreement or the resignation, removal or succession of the Depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
VII</B></FONT><B><BR>
MISCELLANEOUS</B></P>

<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.1&#9;</B></FONT><B>Counterparts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Deposit Agreement may be executed in any number
of counterparts, each of which shall be an original, but all of which together shall constitute one agreement. Signature pages may be
electronically executed and delivered, including by facsimile, any electronic method complying with the federal ESIGN Act (e.g., DocuSign)
or by wet ink signature captured on a pdf email attachment, and any signature pages so executed and delivered shall be valid and binding
for all purposes. The foregoing provision supersedes any other consent signed by the parties related to the electronic signature and delivery
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.2&#9;</B></FONT><B>Exclusive Benefit of Parties.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Deposit Agreement is for the exclusive benefit
of the parties hereto, and their respective successors hereunder, and shall not be deemed to give any legal or equitable right, remedy
or claim to any other person whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.3&#9;</B></FONT><B>Invalidity of Provisions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In case any one or more of the provisions contained
in this Deposit Agreement or in the Receipts should be or become invalid, illegal or unenforceable in any respect, the validity, legality
and enforceability of the remaining provisions contained herein or therein shall in no way be affected, prejudiced or disturbed thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.4&#9;</B></FONT><B>Notices.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any and all notices to be given to the Corporation
hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally delivered or sent by mail
or overnight delivery service, or by telegram or facsimile transmission or electronic mail, confirmed by letter, addressed to the Corporation
at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Capital One Financial Corporation<BR>
1680 Capital One Drive<BR>
McLean, Virginia 22102<BR>
Attention: Vice President, Treasury Capital Markets</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or at any other addresses of which the Corporation shall have notified
the Depositary in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any and all notices to be given to the Depositary
hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally delivered or sent by mail
or overnight delivery service, or by telegram or facsimile transmission or electronic mail, confirmed by letter, addressed to the Depositary
at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Computershare Trust Company, N.A.<BR>
250 Royall Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Canton, MA 02021<BR>
Attention: Client Services</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or at any other addresses of which the Depositary shall have notified
the Corporation in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any and all notices to be given to any Record Holder
of a Receipt hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally delivered or
sent by mail or facsimile transmission or confirmed by letter, addressed to such Record Holder at the address of such Record Holder as
it appears on the books of the Depositary, or if such Holder shall have timely filed with the Depositary a written request that notices
intended for such Holder be mailed to some other address, at the address designated in such request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Delivery of a notice sent by mail or by facsimile
transmission shall be deemed to be effected at the time when a duly addressed letter containing the same (or a confirmation thereof in
the case of a facsimile transmission) is deposited, postage prepaid, in a post office letter box. The Depositary or the Corporation may,
however, act upon any facsimile transmission received by it from the other or from any Holder of a Receipt, notwithstanding that such
facsimile transmission shall not subsequently be confirmed by letter or as aforesaid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.5&#9;</B></FONT><B>Depositary&rsquo;s Agents.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary may from time to time appoint Depositary&rsquo;s
Agents to act in any respect for the Depositary for the purposes of this Deposit Agreement and may at any time appoint additional Depositary&rsquo;s
Agents and vary or terminate the appointment of such Depositary&rsquo;s Agents. The Depositary will promptly notify the Corporation of
any such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.6&#9;</B></FONT><B>Appointment of Registrar, Dividend Disbursing Agent, Transfer Agent and Redemption Agent in Respect of Receipts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation hereby appoints Computershare Trust
Company, N.A. and Computershare Inc., in their respective capacities as transfer agent, Registrar, dividend disbursing agent and redemption
agent in respect of the Receipts, and Computershare Trust Company, N.A. and Computershare Inc. hereby accept such respective appointments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.7&#9;</B></FONT><B>Holders of Receipts Are Parties.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Holders of Receipts from time to time shall
be parties to this Deposit Agreement and shall be bound by all of the terms and conditions hereof and of the Receipts and of the Officer&rsquo;s
Certificate by acceptance of delivery thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.8&#9;</B></FONT><B>Governing Law.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Deposit Agreement and the Receipts of each
series and all rights hereunder and thereunder and provisions hereof and thereof shall be governed by, and construed in accordance with,
the laws of the State of Delaware without giving effect to applicable conflicts of law principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.9&#9;</B></FONT><B>Inspection of Deposit Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Copies of this Deposit Agreement shall be filed
with the Depositary and the Depositary&rsquo;s Agents and shall be open to inspection during business hours at the Depositary&rsquo;s
Office and the respective offices of the Depositary&rsquo;s Agents, if any, by any Holder of a Receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.10&#9;</B></FONT><B>Headings.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The headings of articles and sections in this Deposit
Agreement and in the form of the Receipt set forth in <U>Exhibit A</U> hereto have been inserted for convenience only and are not to be
regarded as a part of this Deposit Agreement or the Receipts or to have any bearing upon the meaning or interpretation of any provision
contained herein or in the Receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.11&#9;</B></FONT><B>Force Majeure.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding anything to the contrary contained
herein, the Depositary will not be liable for any delays or failures in performance resulting from acts beyond its reasonable control
including, without limitation, acts of God, terrorist acts, shortage of supply, breakdowns or malfunctions, interruptions or malfunction
of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval systems,
labor difficulties, war, or civil unrest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.12&#9;</B></FONT><B>Further Assurances.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation agrees that it will perform, acknowledge,
and deliver or cause to be performed, acknowledged or delivered, all such further and other acts, documents, instruments and assurances
as the Depositary may reasonably require to perform the provisions of this Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.13&#9;</B></FONT><B>Confidentiality.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt; text-indent: -63pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary and the Corporation agree that all
books, records, information and data pertaining to the business of the other party, including, <I>inter alia, </I>personal, non-public
Holder information and the fees for services, which are exchanged or received pursuant to the negotiation or the carrying out of this
Deposit Agreement, shall remain confidential, and shall not be voluntarily disclosed to any other person, except as may be required by
law or legal process.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Remainder of page intentionally left blank;
signature page follows.</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">IN WITNESS WHEREOF, the Corporation and the Depositary
have duly executed this Deposit Agreement as of the day and year first above set forth, and all Holders of Receipts shall become parties
hereto by and upon acceptance by them of delivery of Receipts issued in accordance with the terms hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CAPITAL ONE FINANCIAL CORPORATION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 53%">&nbsp;</TD>
    <TD STYLE="width: 7%">By:</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid">/s/ Thomas A. Feil</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Thomas A. Feil</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Senior Vice President and Treasurer</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Signature Page to Deposit Agreement]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">COMPUTERSHARE TRUST COMPANY, N.A. and<BR>
COMPUTERSHARE INC. (on behalf of both entities)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 53%">&nbsp;</TD>
    <TD STYLE="width: 7%">By:</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid">/s/ Rachel Fisher</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Rachel Fisher</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Sr Contract Negotiation Specialist</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Signature Page to Deposit Agreement]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EXHIBIT A</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[FORM OF FACE OF RECEIPT]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless this receipt is presented by an authorized
representative of The Depository Trust Company, a New York corporation (&ldquo;DTC&rdquo;), to Capital One Financial Corporation or its
agent for registration of transfer, exchange, or payment, and any certificate issued is registered in the name of Cede &amp; Co. or in
such other name as is requested by an authorized representative of DTC (and any payment is made to Cede &amp; Co. or to such other entity
as is requested by an authorized representative of DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY
PERSON IS WRONGFUL inasmuch as the registered owner hereof, Cede &amp; Co., has an interest herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 42%">DEPOSITARY SHARES</TD>
    <TD STYLE="width: 24%">&nbsp;</TD>
    <TD STYLE="width: 34%">$</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>DEPOSITARY RECEIPT NO.</TD>
    <TD>FOR</TD>
    <TD>DEPOSITARY SHARES,</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EACH REPRESENTING 1/40th OF ONE SHARE OF<BR>
FIXED RATE NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES L<BR>
OF<BR>
CAPITAL ONE FINANCIAL CORPORATION<BR>
INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE<BR>
CUSIP<BR>
SEE REVERSE FOR CERTAIN DEFINITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dividend Payment Dates: Each March 1, June 1, September 1 and December
1, commencing on September 1, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">COMPUTERSHARE TRUST COMPANY, N.A., as Depositary (the &ldquo;Depositary&rdquo;),
hereby certifies that Cede &amp; Co. is the registered owner of DEPOSITARY SHARES (&ldquo;Depositary Shares&rdquo;), each Depositary Share
representing 1/40th of one share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L, liquidation preference $1,000 per share,
(the &ldquo;Series L Preferred Stock&rdquo;), of Capital One Financial Corporation, a Delaware corporation (the &ldquo;Corporation&rdquo;),
on deposit with the Depositary, subject to the terms and entitled to the benefits of the Deposit Agreement dated as of May 4, 2021 (the
&ldquo;Deposit Agreement&rdquo;), among the Corporation, the Depositary, Computershare Inc. and the Holders from time to time of the Depositary
Receipts. By accepting this Depositary Receipt, the Holder hereof becomes a party to and agrees to be bound by all the terms and conditions
of the Deposit Agreement. This Depositary Receipt shall not be valid or obligatory for any purpose or entitled to any benefits under the
Deposit Agreement unless it shall have been executed by the Depositary by the manual or facsimile signature of a duly authorized officer
or, if executed in facsimile by the Depositary, countersigned by a Registrar in respect of the Depositary Receipts by the manual or facsimile
signature of a duly authorized officer thereof.<BR>
Dated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">Computershare Trust Company, N.A.<BR>
Depositary</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 55%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Authorized Officer</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<!-- Field: Page; Sequence: 24; Options: NewSection; Value: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[FORM OF REVERSE OF RECEIPT]<BR>
<BR>
CAPITAL ONE FINANCIAL CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CAPITAL ONE FINANCIAL CORPORATION WILL FURNISH WITHOUT CHARGE TO EACH
RECEIPTHOLDER WHO SO REQUESTS A COPY OF THE DEPOSIT AGREEMENT AND A COPY OR SUMMARY OF THE CERTIFICATE OF DESIGNATIONS OF FIXED RATE NON-CUMULATIVE
PERPETUAL PREFERRED STOCK, SERIES L OF CAPITAL ONE FINANCIAL CORPORATION. ANY SUCH REQUEST IS TO BE ADDRESSED TO THE DEPOSITARY NAMED
ON THE FACE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Corporation will furnish without charge to each receiptholder who
so requests the powers, designations, preferences and relative, participating, optional or other special rights of each class of stock
or series thereof of the Corporation, and the qualifications, limitations or restrictions of such preferences and/or rights. Such request
may be made to the Corporation or to the Registrar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EXPLANATION OF ABBREVIATIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following abbreviations when used in the form
of ownership on the face of this certificate shall be construed as though they were written out in full according to applicable laws or
regulations. Abbreviations in addition to those appearing below may be used.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%; border-bottom: black 1pt solid; padding-left: 4.5pt"><B>Abbreviation</B></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 34%; border-bottom: black 1pt solid; padding-left: 3.45pt"><B>Abbreviation</B></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 23%; border-bottom: black 1pt solid; padding-left: 0.05in"><B>Abbreviation</B></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 23%; border-bottom: black 1pt solid; padding-left: 5.45pt"><B>Equivalent Word</B></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD STYLE="padding-left: 4.5pt">JT TEN</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.45pt">As joint tenants, with right of survivorship and not as tenants in common</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">TEN BY ENT</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5.45pt">As tenants by the entireties</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 4.5pt">TEN IN COM</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.45pt">As tenants in common</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">UNIF GIFT MIN ACT</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5.45pt">Uniform Gifts to Minors Act</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 12%; border-bottom: black 1pt solid; padding-left: 2.7pt"><B>Abbreviation</B></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 28%; border-bottom: black 1pt solid; padding-left: 2.85pt; text-align: center"><B>Equivalent Word</B></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 12%; border-bottom: black 1pt solid; padding-left: 3pt"><B>Abbreviation</B></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 13%; border-bottom: black 1pt solid; padding-left: 0.05in; text-align: center"><B>Equivalent Word</B></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 12%; border-bottom: black 1pt solid; padding-left: 4.2pt"><B>Abbreviation</B></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 18%; border-bottom: black 1pt solid; padding-left: 3.95pt; text-align: center"><B>Equivalent Word</B></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD STYLE="padding-left: 2.7pt">ADM</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Administrator(s),Administratrix</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">EX</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">Executor(s), Executrix</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">PL</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.95pt">Public Law</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 2.7pt">AGMT</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Agreement</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">FBO</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.7pt">For the benefit of</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">TR</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.95pt">(As) trustee(s), for, of</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD STYLE="padding-left: 2.7pt">ART</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Article</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">FDN</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">Foundation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">U</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.95pt">Under</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 2.7pt">CH</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Chapter</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">GDN</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">Guardian(s)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">UA</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.95pt">Under Agreement</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD STYLE="padding-left: 2.7pt">CUST</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Custodian for</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">GDNSHP</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">Guardianship</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">UW</TD>
    <TD>&nbsp;</TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.95pt">Under will of, Of will of Under</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.95pt"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.95pt">last will &amp; testament</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.95pt"></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 2.7pt">DEC</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Declaration</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">MIN</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">Minor(s)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.95pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(213,234,234)">
    <TD STYLE="padding-left: 2.7pt">EST</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2.85pt">Estate, of Estate of</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3pt">PAR</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.05in">Paragraph</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 4.2pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 3.95pt">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For value received,&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;hereby sell(s), assign(s) and transfer(s) unto</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Depositary Shares represented by the within Depositary Receipt, and
do(es) hereby irrevocably constitute and appoint&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Attorney to transfer the said Depositary Shares on the books of the within named Depositary
with full power of substitution in the premises.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NOTICE: The signature to the assignment must correspond with the name
as written upon the face of this Receipt in every particular, without alteration or enlargement or any change whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SIGNATURE GUARANTEED</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NOTICE: If applicable, the signature(s) should be guaranteed by an
eligible guarantor institution (banks, stockbrokers, savings and loan associations, and credit unions with membership in an approved signature
guarantee medallion program), pursuant to Rule 17Ad-15 under the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EXHIBIT B</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">I,&#9;, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[title]&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;of Capital One Financial Corporation (the &ldquo;Corporation&rdquo;),
hereby certify that pursuant to the terms of the Certificate of Designations, effective May 3, 2021, filed with the Secretary of State
of the State of Delaware on May 3, 2021 (the &ldquo;Certificate of Designations&rdquo;), and pursuant to resolutions adopted by Board
of Directors of the Corporation on February 3 &ndash; February 5, 2021 and the resolutions of the Preferred Stock Committee of the Board
of Directors of the Corporation (the &ldquo;Preferred Stock Committee&rdquo;) on April 29, 2021, the Corporation has established the Series
L Preferred Stock which the Corporation desires to deposit with the Depositary for the purposes of being subject to the terms and conditions
of the Deposit Agreement, dated as of May 4, 2021, by and among the Corporation, Computershare Trust Company, N.A., Computershare Inc.
and the Holders of Receipts issued thereunder from time to time (the &ldquo;Deposit Agreement&rdquo;). In connection therewith, the Board
of Directors of the Corporation or a duly authorized committee thereof has authorized the terms and conditions with respect to the Series
L Preferred Stock as described in the Certificate of Designations attached as <U>Annex A</U> hereto. Any terms of the Series L Preferred
Stock that are not so described in the Certificate of Designations and any terms of the Receipts representing such Series L Preferred
Stock that are not described in the Deposit Agreement are described below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Aggregate number of shares of Series L Preferred Stock issued on the
day hereof:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CUSIP Number for Receipt: 14040H 758</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Denomination of Depositary Share per share of Series L Preferred Stock
(if different than 1/40th of a share of Series L Preferred Stock):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Redemption Provisions (if different than as set forth in the Deposit
Agreement):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name of Global Receipt Depositary: The Depository Trust Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All capitalized terms used but not defined herein shall have such meaning
as ascribed thereto in the Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Capital One Financial Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This certificate is dated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Name:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Title:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Agreed and Accepted by Computershare Trust Company, N.A., as Depositary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
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    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Name:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Title:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>5
<FILENAME>dp150414_ex0501.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Exhibit 5.1</B></FONT></P>

<P STYLE="margin: 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 20%; font-size: 10pt; font-weight: bold">New York<BR>
Northern California<BR>
Washington DC<BR>
S&atilde;o Paulo<BR>
London</TD>
    <TD STYLE="width: 10%; font-size: 10pt; font-weight: bold">Paris<BR>
Madrid<BR>
Hong Kong<BR>
Beijing<BR>
Tokyo</TD></TR>
  </TABLE>

<P STYLE="margin: 0">&nbsp;<IMG SRC="image_002.jpg" ALT="DavisPolk" STYLE="height: 30px; width: 155px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">May 4, 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Capital One Financial Corporation<BR>
1680 Capital One Drive<BR>
McLean, Virginia 22102</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Capital One Financial Corporation, a Delaware corporation (the &ldquo;Company&rdquo;),
has filed with the Securities and Exchange Commission a Registration Statement on Form S-3 (File No. 333-254191) (the &ldquo;Registration
Statement&rdquo;) for the purpose of registering under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;), certain
securities, including 27,000,000 of the Company&rsquo;s depositary shares (the &ldquo;Depositary Shares&rdquo;), each representing 1/40th
of a share of the Company&rsquo;s Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L, par value $0.01 per share (each, an &ldquo;Underlying
Preferred Share&rdquo;). The Depositary Shares are to be issued pursuant to the provisions of the deposit agreement, dated as of May 4,
2021, among the Company, Computershare Trust Company, N.A. as depositary (the &ldquo;Depositary&rdquo;), Computershare Inc. and the holders
from time to time of the depositary receipt described therein (the &ldquo;Deposit Agreement&rdquo;). The Depositary Shares are to be sold
pursuant to the Underwriting Agreement dated April 29, 2021 (the &ldquo;Underwriting Agreement&rdquo;) among the Company and the several
underwriters named therein (the &ldquo;Underwriters&rdquo;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We, as your counsel, have examined originals or copies of such documents,
corporate records, certificates of public officials and other instruments as we have deemed necessary or advisable for the purpose of
rendering this opinion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In rendering the opinion expressed herein, we have, without independent
inquiry or investigation, assumed that (i) all documents submitted to us as originals are authentic and complete, (ii) all documents submitted
to us as copies conform to authentic, complete originals, (iii) all signatures on all documents that we reviewed are genuine, (iv) all
natural persons executing documents had and have the legal capacity to do so, (v) all statements in certificates of public officials and
officers of the Company that we reviewed were and are accurate and (vi) all representations made by the Company as to matters of fact
in the documents that we reviewed were and are accurate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based upon the foregoing, and subject to the additional assumptions
and qualifications set forth below, we advise you that, in our opinion:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD>When the Underlying Preferred Shares have been issued to the Depositary in accordance with the terms of the Deposit Agreement and
the Depositary Shares have been issued and delivered against payment therefor in accordance with the terms of the Underwriting Agreement,
the Underlying Preferred Shares will be validly issued, fully paid and non-assessable; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <TD STYLE="vertical-align: top; width: 34%; font-size: 10pt">Capital One Financial Corporation</TD>
    <TD STYLE="vertical-align: bottom; width: 33%; font-size: 10pt; text-align: center">4</TD>
    <TD STYLE="vertical-align: bottom; width: 33%; font-size: 10pt; text-align: right">May 4, 2021</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2.</FONT></TD><TD><FONT STYLE="font-size: 10pt">When
                                            the Depositary Shares have been duly executed and authenticated in accordance with the provisions
                                            of the Deposit Agreement and delivered to and paid for by the Underwriters pursuant to the
                                            Underwriting Agreement, the Depositary Shares will constitute valid and binding obligations
                                            of the Company, enforceable in accordance with their terms, subject to applicable bankruptcy,
                                            insolvency and similar laws affecting creditors&rsquo; rights generally, concepts of reasonableness
                                            and equitable principles of general applicability, provided that we express no opinion as
                                            to the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable
                                            law on the conclusions expressed above.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In connection with the opinion expressed above, we have assumed that
the Company is validly existing as a corporation in good standing under the laws of the State of Delaware. In addition, we have assumed
that the Deposit Agreement and the Depositary Shares (collectively, the &ldquo;Documents&rdquo;) are valid, binding and enforceable agreements
of each party thereto (other than as expressly covered above in respect of the Company). We have also assumed that the execution, delivery
and performance by each party to each Document to which it is a party (a) are within its corporate powers, (b) do not contravene, or constitute
a default under, the certificate of incorporation or bylaws or other constitutive documents of such party, (c) require no action by or
in respect of, or filing with, any governmental body, agency or official and (d) do not contravene, or constitute a default under, any
provision of applicable law or regulation or any judgment, injunction, order or decree or any agreement or other instrument binding upon
such party, provided that we make no such assumption to the extent that we have specifically opined as to such matters with respect to
the Company.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are members of the Bar of the State of New York and the foregoing
opinion is limited to the laws of the State of New York and the General Corporation Law of the State of Delaware, except that we express
no opinion as to any law, rule or regulation that is applicable to the Company, the Documents or such transactions solely because such
law, rule or regulation is part of a regulatory regime applicable to any party to any of the Documents or any of its affiliates due to
the specific assets or business of such party or such affiliate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We hereby consent to the filing of this opinion as an exhibit to a report
on Form 8-K to be filed by the Company on the date hereof and its incorporation by reference into the Registration Statement and further
consent to the reference to our name under the caption &ldquo;Validity of the Preferred Stock&rdquo; in the prospectus supplement which
is a part of the Registration Statement. In giving this consent, we do not admit that we are in the category of persons whose consent
is required under Section 7 of the Securities Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Very truly yours,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">/s/ Davis Polk &amp; Wardwell LLP</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
<FILENAME>cof-20210503_pre.xml
<DESCRIPTION>XBRL PRESENTATION FILE
<TEXT>
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            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesKPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-05-03</startDate>
            <endDate>2021-05-03</endDate>
        </period>
    </context>
    <context id="From2021-05-032021-05-03_custom_SeniorNotesDue2024Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeniorNotesDue2024Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-05-03</startDate>
            <endDate>2021-05-03</endDate>
        </period>
    </context>
    <context id="From2021-05-032021-05-03_custom_SeniorNotesDue2029Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeniorNotesDue2029Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-05-03</startDate>
            <endDate>2021-05-03</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <dei:EntityCentralIndexKey contextRef="From2021-05-03to2021-05-03">0000927628</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="From2021-05-03to2021-05-03">false</dei:AmendmentFlag>
    <dei:CurrentFiscalYearEndDate contextRef="From2021-05-03to2021-05-03">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentType contextRef="From2021-05-03to2021-05-03">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2021-05-03to2021-05-03">2021-05-03</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="From2021-05-03to2021-05-03">CAPITAL ONE FINANCIAL CORPORATION</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="From2021-05-03to2021-05-03">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2021-05-03to2021-05-03">001-13300</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2021-05-03to2021-05-03">54-1719854</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2021-05-03to2021-05-03">1680 Capital One Drive</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="From2021-05-03to2021-05-03">McLean</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2021-05-03to2021-05-03">VA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2021-05-03to2021-05-03">22102</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2021-05-03to2021-05-03">703</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2021-05-03to2021-05-03">720-1000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="From2021-05-03to2021-05-03">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="From2021-05-03to2021-05-03">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="From2021-05-03to2021-05-03">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="From2021-05-03to2021-05-03">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_us-gaap_CommonStockMember">Common Stock (par value $.01 per share)</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_us-gaap_CommonStockMember">COF</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_us-gaap_CommonStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_us-gaap_SeriesGPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_us-gaap_SeriesGPreferredStockMember">COF PRG</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_us-gaap_SeriesGPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_us-gaap_SeriesHPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_us-gaap_SeriesHPreferredStockMember">COF PRH</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_us-gaap_SeriesHPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_custom_SeriesIPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_custom_SeriesIPreferredStockMember">COF PRI</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_custom_SeriesIPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_custom_SeriesJPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_custom_SeriesJPreferredStockMember">COF PRJ</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_custom_SeriesJPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_custom_SeriesKPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_custom_SeriesKPreferredStockMember">COF PRK</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_custom_SeriesKPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2024Member">0.800% Senior Notes Due 2024</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2024Member">COF24</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2024Member">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2029Member">1.650% Senior Notes Due 2029</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2029Member">COF29</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-05-032021-05-03_custom_SeniorNotesDue2029Member">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="From2021-05-03to2021-05-03">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm139646498413288">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>May 03, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May  03,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13300<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CAPITAL ONE FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000927628<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">54-1719854<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1680 Capital One Drive<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">McLean<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">VA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">22102<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">720-1000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock (par value $.01 per share)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesGPreferredStockMember', window );">Series G Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRG<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesHPreferredStockMember', window );">Series H Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRH<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesIPreferredStockMember', window );">Series I Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesJPreferredStockMember', window );">Series J Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRJ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesKPreferredStockMember', window );">Series K Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRK<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2024Member', window );">Senior Notes Due 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">0.800% Senior Notes Due 2024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF24<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2029Member', window );">Senior Notes Due 2029 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">1.650% Senior Notes Due 2029<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF29<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCapitalizationEquityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfCapitalizationEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesGPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesGPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesHPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesHPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesIPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeriesIPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesJPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeriesJPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesKPreferredStockMember">
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
