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                                                                    EXHIBIT 10.4

                               OPEN SOLUTIONS INC.

                       Nonstatutory Stock Option Agreement
                     Granted Under 2003 Stock Incentive Plan

1. Grant of Option.

      This agreement evidences the grant by Open Solutions Inc., a Delaware
corporation (the "Company"), on _____, 200__ (the "Grant Date") to
______________, [an employee/a consultant/a director] of the Company (the
"Participant"), of an option to purchase, in whole or in part, on the terms
provided herein and in the Company's 2003 Stock Incentive Plan (the "Plan"), a
total of _____shares (the "Shares") of common stock, $0.01 par value per share,
of the Company ("Common Stock") at $_____ per Share. Unless earlier terminated,
this option shall expire at 5:00 p.m., Eastern time, on _______[insert date 9
years, 364 days after Grant Date] (the "Final Exercise Date").

      It is intended that the option evidenced by this agreement shall not be an
incentive stock option as defined in Section 422 of the Internal Revenue Code of
1986, as amended, and any regulations promulgated thereunder (the "Code").
Except as otherwise indicated by the context, the term "Participant," as used in
this option, shall be deemed to include any person who acquires the right to
exercise this option validly under its terms.

2. Vesting Schedule.

      This option will become exercisable ("vest") as to 25% of the original
number of Shares on the first anniversary of the Grant Date and as to an
additional 21/12% of the original number of Shares each month following the
first anniversary of the Grant Date until the fourth anniversary of the Grant
Date.

      The right of exercise shall be cumulative so that to the extent the option
is not exercised in any period to the maximum extent permissible it shall
continue to be exercisable, in whole or in part, with respect to all Shares for
which it is vested until the earlier of the Final Exercise Date or the
termination of this option under Section 3 hereof or the Plan.

3. Exercise of Option.

      (a) Form of Exercise. Each election to exercise this option shall be in
writing, signed by the Participant, and received by the Company at its principal
office, accompanied by this agreement, and payment in full in the manner
provided in the Plan. The Participant may purchase less than the number of
shares covered hereby, provided that no partial exercise of this option may be
for any fractional share or for fewer than ten whole shares.

      (b) Continuous Relationship with the Company Required. Except as otherwise
provided in this Section 3, this option may not be exercised unless the
Participant, at the time he or she exercises this option, is, and has been at
all times since the Grant Date, an [employee or officer of] [employee, officer
or director of], or consultant or advisor to, the Company or any

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other entity the employees, officers, directors, consultants, or advisors of
which are eligible to receive option grants under the Plan (an "Eligible
Participant").

      (c) Termination of Relationship with the Company. If the Participant
ceases to be an Eligible Participant for any reason, then, except as provided in
paragraphs (d) and (e) below, the right to exercise this option shall terminate
three months after such cessation (but in no event after the Final Exercise
Date), provided that this option shall be exercisable only to the extent that
the Participant was entitled to exercise this option on the date of such
cessation. Notwithstanding the foregoing, if the Participant, prior to the Final
Exercise Date, violates the non-competition or confidentiality provisions of any
employment contract, confidentiality and nondisclosure agreement or other
agreement between the Participant and the Company, the right to exercise this
option shall terminate immediately upon written notice to the Participant from
the Company describing such violation.

      (d) Exercise Period Upon Death or Disability. If the Participant dies or
becomes disabled (within the meaning of Section 22(e)(3) of the Code) prior to
the Final Exercise Date while he or she is an Eligible Participant and the
Company has not terminated such relationship for "cause" as specified in
paragraph (e) below, this option shall be exercisable, within the period of one
year following the date of death or disability of the Participant, by the
Participant (or in the case of death by an authorized transferee), provided that
this option shall be exercisable only to the extent that this option was
exercisable by the Participant on the date of his or her death or disability,
and further provided that this option shall not be exercisable after the Final
Exercise Date.

      (e) Discharge for Cause. If the Participant, prior to the Final Exercise
Date, is discharged by the Company for "cause" (as defined below), the right to
exercise this option shall terminate immediately upon the effective date of such
discharge. "Cause" shall mean willful misconduct by the Participant or willful
failure by the Participant to perform his or her responsibilities to the Company
(including, without limitation, breach by the Participant of any provision of
any employment, consulting, advisory, nondisclosure, non-competition or other
similar agreement between the Participant and the Company), as determined by the
Company, which determination shall be conclusive. The Participant shall be
considered to have been discharged for "Cause" if the Company determines, within
30 days after the Participant's resignation, that discharge for cause was
warranted.

4. Withholding.

      No Shares will be issued pursuant to the exercise of this option unless
and until the Participant pays to the Company, or makes provision satisfactory
to the Company for payment of, any federal, state or local withholding taxes
required by law to be withheld in respect of this option.

5. Nontransferability of Option.

      This option may not be sold, assigned, transferred, pledged or otherwise
encumbered by the Participant, either voluntarily or by operation of law, except
by will or the laws of descent

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and distribution, and, during the lifetime of the Participant, this option shall
be exercisable only by the Participant.

6. Provisions of the Plan.

      This option is subject to the provisions of the Plan, a copy of which is
furnished to the Participant with this option.

      IN WITNESS WHEREOF, the Company has caused this option to be executed
under its corporate seal by its duly authorized officer. This option shall take
effect as a sealed instrument.

                                            OPEN SOLUTIONS INC.

Dated: _________, 20__                      By: ________________________________
                                                Name: __________________________
                                                Title:__________________________

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                            PARTICIPANT'S ACCEPTANCE

      The undersigned hereby accepts the foregoing option and agrees to the
terms and conditions thereof. The undersigned hereby acknowledges receipt of a
copy of the Company's 2003 Stock Incentive Plan.

                                           PARTICIPANT:

                                           _____________________________________

                                           Address:_____________________________

                                                   _____________________________

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                         NOTICE OF STOCK OPTION EXERCISE

                                        Date: ____________

Open Solutions Inc.

__________________________

__________________________

Attention:  Treasurer

Dear Sir or Madam:

      I am the holder of a Nonstatutory Stock Option granted to me under the
Open Solutions Inc. (the "Company") 2003 Stock Incentive Plan on __________ for
the purchase of __________ shares of Common Stock of the Company at a purchase
price of $__________ per share.

      I hereby exercise my option to purchase _________ shares of Common Stock
(the "Shares"), for which I have enclosed [method of payment] in the amount of
________. Please register my stock certificate as follows:

      Name(s):    _______________________

                  _______________________

      Address:    _______________________

      Tax I.D. #: _______________________

Very truly yours,

__________________________
(Signature)

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