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                                    e-PROFILE
                         STOCK OPTION GRANT CERTIFICATE

e-PROFILE, Inc., a Delaware corporation (the "Company"), hereby grants to the
grantee named below ("Grantee") an option (this "Option") to purchase the total
number of shares shown below of Common Stock of the Company (the "Shares") at
the exercise price per share set forth below, subject to all of the terms and
conditions on the reverse side of this Stock Option Grant Certificate and the
1999 Equity Compensation Plan (the "Plan"). Unless otherwise defined herein,
capitalized terms used herein shall have the meanings ascribed to them in the
Plan. The terms and conditions set forth on the reverse side hereof and the
terms and conditions of the Plan are incorporated herein by reference. This
Stock Option Grant Certificate shall constitute the "Agreement" for this Option
as such term is used in the Plan.

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<S>                                         <C>                                         <C>
Grant Date:                                 Grantee hereby acknowledges receipt         This Option is designated an
                                            of a copy of the Plan, represents           incentive stock option under
                                            that Grantee has read the Plan and          Section 422 of the Internal
Type of Option:  Incentive Stock Option     understands the terms and provisions        Revenue Code of 1986, as
                                            of the Plan, and accepts this Option        (the "Code"). If the aggregate fair
                                            subject to all the terms and conditions     market value of the stock on the
Shares Subject to Option:  Field (Number)   of the Plan and this Stock Option Grant     date of the grant with respect to
                                            Certificate. Grantee acknowledges           which incentive stock options are
                                            that the grant and exercise of this         exercisable for the first time by
Exercise Price Per Share:  $                Option, and the sale of Shares              the Grantee during any calendar
                                            obtained through the exercise of            year, under the Plan or any other
                                            this Option, may have tax                   stock option plan of the Company
                                            implications that could result in           or a parent or subsidiary, exceeds
Shares subject to issuance under            adverse tax consequences to the             $100,000, then the Option, as to
this Option do not vest until the           Grantee and that Grantee is not             the excess, shall be treated as a
first anniversary of the grant, and         relying on the Company for any tax,         nonqualified stock option that
then shall be eligible for exercise         financial or legal advice and will          that does not meet the requirements
according to the following vesting          consult a tax adviser prior to such         of Section 422. If and to the extent
schedule.                                   exercise or disposition.                    that the Option fails to qualify as
                                                                                        an incentive stock option under the
___________________________ 33 1/3%                                                     Code, the Option shall remain
___________________________ 66 2/3%          ___________________________________        outstanding according to its terms
___________________________ 100%             FIELD(Grantee)                             as a nonqualified stock option.


In witness whereof, this Stock                                                          By accepting an incentive stock
Option Grant Certificate has been                                                       option under the Plan, Grantee
executed by the Company by a duly                                                       agrees to notify the Company in
authorized officer as of the date                                                       writing immediately after he or she
specified hereon.                                                                       makes a disqualifying disposition
                                                                                        (as described in the Code and
                                                                                        regulations thereunder) of any stock
                                                                                        acquired pursuant to the exercise of
                                                                                        incentive stock options granted
                                                                                        under the Plan. A disqualifying
                                                                                        disposition is generally any
                                                                                        disposition occurring within two
                                                                                        years of the date the incentive
e-PROFILE, Inc.                                                                         stock option was granted or within
                                                                                        one year of the date the incentive
                                                                                        stock option was exercised,
By:________________________                                                             whichever period ends later.

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1. OPTION EXPIRATION. The Option, to the extent that it has not theretofore been
exercised, shall automatically expire on the earliest to occur of the following
events:

         (a) with respect to the portion of this Option (and the underlying
number of Option Shares with respect to such portion) which vests within one
year after the Date of Grant (such options being herein referred to as the
"First-Year Option Shares"), the date which is the sixth anniversary of the Date
of Grant.

         (b) with respect to the portion of this Option (and the underlying
number of Option Shares with respect to such portion, but specifically excluding
the First-Year Option Shares) which vests within the second year after the Date
of Grant (such Option Shares being herein referred to as the "Second-Year
Option Shares"), the date which is the seventh anniversary of the Date of Grant.

         (c ) with respect to the portion of this Option (and the underlying
number of Option Shares with respect to such portion, but specifically excluding
the First-Year Option Shares and the Second-Year Option Shares) which vests
after the second year anniversary date of the Date of Grant (such Option Shares
being herein referred to as the "Third-Year Option Shares"), the date which is
the eighth anniversary of the Date of Grant.

         (d) the expiration of the one-month period after the Grantee ceases to
be Employed by the Employer (as defined in the Plan), if the termination is for
any reason other than Disability (as defined in the Plan), death or Termination
for Cause (as defined in the Plan);

         (e) the expiration of the one-year period after the Grantee ceases to
be Employed by the Employer on account of the Grantee's Disability;

         (f) the expiration of the one-year period after the Grantee ceases to
be Employed by the Employer, if the Grantee dies while Employed by the Employer
or within one month after the Grantee ceases to be Employed by the Employer on
account of a termination described in subparagraph (d) above; or

         (g) the date on which the Grantee ceases to be Employed by the Employer
due to a Termination for Cause.

      Notwithstanding the foregoing, in no event may the Option be exercised
after the expiration of the Term of Option specified on the reverse side. Any
portion of the Option that is not vested at the time the Grantee ceases to be
Employed by the Employer shall immediately terminate.

      If (i) the Option is designated as an incentive stock option under Section
422 of the Code; (ii) the Grantee ceases to be employed by the Company or a
"parent" or "subsidiary" of the Company (as such terms are defined in Section
424 of the Code); and (iii) the Grantee continues in employment with an
Affiliated Company, then the Option shall, if not exercised within three months
of such cessation of employment with the Company or a parent or subsidiary,
convert to a non-qualified stock option and thereafter be subject to the Option
expiration provisions set forth

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in this Section 1.

     In the event a Grantee ceases to be Employed by the Employer due to a
Termination for Cause, the Grantee shall automatically forfeit all shares
underlying any exercised portion of an Option for which the Company has not yet
delivered the share certificates upon refund by the Company of the exercise
price paid by the Grantee for such shares.

2. EXERCISE PROCEDURES.

         (a) Subject to the provisions of this Stock Option Grant Certificate
and the Plan, the Grantee may exercise part or all of the vested Option by
giving the Company written notice of intent to exercise in the manner provided
in Paragraph 10 below, specifying the number of Shares as to which the Option is
to be exercised. On the delivery date, the Grantee shall pay the exercise price
(i) in cash, (ii) by delivering Shares of the Company (duly endorsed for
transfer or accompanied by stock powers signed in blank) which shall be valued
at their fair market value on the date of delivery, or (iii) by such other
method as the Administrator may approve, including payment through a broker in
accordance with procedures permitted by Regulation T of the Federal Reserve
Board. The Administrator may impose from time to time such limitations as it
deems appropriate on the use of Shares of the Company to exercise the Option.

         (b) In addition, as a condition of exercise, the Company may require
the Grantee to execute a Stock Purchase and Restriction Agreement.

         (c) The obligation of the Company to deliver Shares upon exercise of
the Option shall be subject to all applicable laws, rules, and regulations and
such approvals by governmental agencies as may be deemed appropriate by the
Board, including such actions as Company counsel shall deem necessary or
appropriate to comply with relevant securities laws and regulations. The Company
may require that the Grantee (or other person exercising the Option after the
Grantee's death) represent that the Grantee is purchasing Shares for the
Grantee's own account and not with a view to or for sale in connection with any
distribution of the Shares, or such other representation as the Board deems
appropriate. All obligations of the Company under this Stock Option Grant
Certificate shall be subject to the rights of the Company as set forth in the
Plan to withhold amounts required to be withheld for any taxes, if applicable.
Subject to Committee approval, the Grantee may elect to satisfy any income tax
withholding obligation of the Company with respect to the Option by having
Shares withheld up to an amount that does not exceed the maximum marginal tax
rate for federal (including FICA), state and local tax liabilities.

3. RESTRICTIONS ON EXERCISE. Only the Grantee may exercise the Option during the
Grantee's lifetime. After the Grantee's death, the Option shall be exercisable
(subject to the limitations specified in the Plan) solely by the legal
representatives of the Grantee, or by the person who acquires the right to
exercise the Option by will or by the laws of descent and distribution, to the
extent that the Option is exercisable pursuant to this Stock Option Grant

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Certificate. Notwithstanding the foregoing, the Administrator may provide, at or
after grant, that a Grantee may transfer non-qualified stock options pursuant to
a domestic relations order or to family members or other persons or entities on
such terms as the Administrator may determine.

4. GRANT SUBJECT TO PLAN PROVISIONS. This grant is made pursuant to the Plan,
the terms of which are incorporated herein by reference, and in all respects
shall be interpreted in accordance with the Plan. The grant and exercise of the
Option are subject to the provisions of the Plan and to interpretations,
regulations and determinations concerning the Plan established from time to time
by the Administrator in accordance with the provisions of the Plan, including,
but not limited to, provisions pertaining to (i) rights and obligations with
respect to withholding taxes, (ii) the registration, qualification or listing of
the Shares, (iii) capital or other changes of the Company, and (iv) other
requirements of applicable law. The Administrator shall have the authority to
interpret and construe the Option pursuant to the terms of the Plan, and its
decisions shall be conclusive as to any questions arising hereunder.

5. NO EMPLOYMENT RIGHTS. The grant of the Option shall not confer upon the
Grantee any right to be Employed by the Employer and shall not interfere in any
way with the right of the Employer to terminate the Grantee's employment or
service at any time. The right of the Employer to terminate at will the
Grantee's employment or service at any time for any reason is specifically
reserved. No policies, procedures or statements of any nature by or on behalf of
the Employer (whether written or oral, and whether or not contained in any
formal employee manual or handbook) shall be construed to modify this Stock
Option Grant Certificate or to create express or implied obligations to the
Grantee of any nature.

6. NO STOCKHOLDER RIGHTS. Neither the Grantee, nor any person entitled to
exercise the Grantee's rights in the event of the Grantee's death, shall have
any of the rights and privileges of a stockholder with respect to the Shares
subject to the Option until certificates for Shares have been issued upon the
exercise of the Option.

7. NO DISCLOSURE. The Grantee acknowledges that the Company has no duty to
disclose to the Grantee any material information regarding the business of the
Company or affecting the value of the Shares before or at the time the Grantee
ceases to be Employed by the Employer, including without limitation any plans
regarding a public offering or merger involving the Company.

8. ASSIGNMENT AND TRANSFERS. The rights and interests of the Grantee under this
Stock Option Grant Certificate may not be sold, assigned, encumbered or
otherwise transferred except, in the event of the death of the Grantee, by will
or by the laws of descent and distribution. In the event of any attempt by the
Grantee to alienate, assign, pledge, hypothecate, or otherwise dispose of the
Option or any right hereunder, except as provided for in this Stock Option Grant
Certificate, or in the event of the levy or any attachment, execution or similar
process upon the rights or interests hereby conferred, the Company may terminate
the Option by notice to the Grantee, and the Option and all rights

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hereunder shall thereupon become null and void. The rights and protections of
the Company hereunder shall extend to any successors or assigns of the Company
and to the Company's Affiliated Companies. This Stock Option Grant Certificate
may be assigned by the Company without the Grantee's consent.

9. APPLICABLE LAW. The validity, construction, interpretation and effect of this
instrument shall be governed by and determined in accordance with the laws of
the State of Delaware.

10. NOTICE. Any notice to the Company provided for in this instrument shall be
addressed to the Company in care of the Chief Financial Officer at the Company's
headquarters and any notice to the Grantee shall be addressed to such Grantee at
the current address shown on the payroll of the Company, or to such other
address as the Grantee may designate to the Company in writing. Any notice shall
be delivered by hand, sent by telecopy or enclosed in a properly sealed envelope
addressed as stated above, registered and deposited, postage prepaid, in a post
office regularly maintained by the United States Postal Service.

11. OTHER. The number of Shares subject to option indicated on the facing page
of this Stock Option Grant Certificate reflects the split in the shares of
Common Stock of the Company effective December 14, 1999 (the "Stock Split"). No
further adjustment shall be made on account of the Stock Split.

By accepting this Incentive Stock Option under the Plan, Grantee hereby waives
any and all claims against the Company as a result of the Company's failure to
reserve a sufficient number of shares of Common Stock of the Company under the
Plan prior to the Stock Split and the amendment of the Company's Certificate of
Incorporation.