Document:

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                                                                   EXHIBIT 10.12

                      NAVIANT TECHNOLOGY SOLUTIONS, INC.
                            STOCK ISSUANCE AGREEMENT
                            ------------------------

          AGREEMENT made as of this __ day of _________ 19__, by and among
Naviant Technology Solutions, Inc., a Delaware corporation and
_______________________, Participant in the Corporation's 1999 Stock
Option/Stock Issuance Plan.

          All capitalized terms in this Agreement shall have the meaning
assigned to them in this Agreement or in the attached Appendix.

     A.   PURCHASE OF SHARES
          ------------------

          1.   Purchase.  Participant hereby purchases _____________ shares of
               --------
Common Stock (the "Purchased Shares") pursuant to the provisions of the Stock
Issuance Program at the purchase price of $______ per share (the "Purchase
Price").

          2.   Payment.  Concurrently with the delivery of this Agreement to the
               -------
Corporation,  Participant shall pay the Purchase Price for the Purchased Shares
in cash or check payable to the Corporation and shall deliver a duly-executed
blank Assignment Separate from Certificate (in the form attached hereto as
Exhibit I) with respect to the Purchased Shares.

          3.   Escrow.  The Corporation shall have the right to hold the
               ------
Purchased Shares in escrow until those shares have vested in accordance with the
Vesting Schedule.

          4.   Stockholder Rights.  Until such time as the Corporation exercises
               ------------------
the Repurchase Right or the First Refusal Right, Participant (or any successor
in interest) shall have all the rights of a stockholder (including voting,
dividend and liquidation rights) with respect to the Purchased Shares, subject,
however, to the transfer restrictions of Articles B and C.

     B.   SECURITIES LAW COMPLIANCE
          -------------------------

          1.   Restricted Securities.  The Purchased Shares have not been
               ---------------------
registered under the 1933 Act and are being issued to Participant in reliance
upon the exemption from such registration provided by SEC Rule 701 for stock
issuances under compensatory benefit plans such as the Plan.  Participant hereby
confirms that Participant has been informed that the Purchased Shares are
restricted securities under the 1933 Act and may not be resold or transferred
unless the Purchased Shares are first registered under the Federal securities
laws or unless an exemption from such registration is available.  Accordingly,
Participant hereby acknowledges that Participant is prepared to hold the
Purchased Shares for an indefinite period and that Participant is aware that SEC
Rule 144  issued under the 1933 Act which exempts certain resales of
unrestricted securities is not presently available to exempt the resale of the
Purchased Shares from the registration requirements of the 1933 Act.

          2.   Disposition of Purchased Shares.  Participant shall make no
               -------------------------------
disposition of the Purchased Shares (other than a Permitted Transfer) unless and
until there is compliance with all of the following requirements:
<PAGE>

               (i)  Participant shall have provided the Corporation with a
     written summary of the terms and conditions of the proposed disposition.

               (ii)  Participant shall have complied with all requirements of
     this Agreement applicable to the disposition of the Purchased Shares.

               (iii)  Participant shall have provided the Corporation with
     written assurances, in form and substance satisfactory to the Corporation,
     that (a) the proposed disposition does not require registration of the
     Purchased Shares under the 1933 Act or (b) all appropriate action necessary
     for compliance with the registration requirements of the 1933 Act or any
     exemption from registration available under the 1933 Act (including Rule
     144) has been taken.

          The Corporation shall not be required (i) to transfer on its books any
                                ---
Purchased Shares which have been sold or transferred in violation of the
provisions of this Agreement or (ii) to treat as the owner of the Purchased
                             --
Shares, or otherwise to accord voting, dividend or liquidation rights to, any
transferee to whom the Purchased Shares have been transferred in contravention
of this Agreement.

          3.   Restrictive Legends.  The stock certificates for the Purchased
               -------------------
Shares shall be endorsed with the following restrictive legends:

               (i) "The shares represented by this certificate have not been
     registered under the Securities Act of 1933. The shares may not be sold or
     offered for sale in the absence of (a) an effective registration statement
     for the shares under such Act, (b) a 'no action' letter of the Securities
     and Exchange Commission with respect to such sale or offer or (c)
     satisfactory assurances to the Corporation that registration under such Act
     is not required with respect to such sale or offer."

               (ii) "The shares represented by this certificate are unvested and
     are subject to certain repurchase rights and rights of first refusal
     granted to the Corporation and accordingly may not be sold, assigned,
     transferred, encumbered, or in any manner disposed of except in conformity
     with the terms of a written agreement dated ____________, 199__ between the
     Corporation and the registered holder of the shares (or the predecessor in
     interest to the shares). A copy of such agreement is maintained at the
     Corporation's principal corporate offices."

     C.   TRANSFER RESTRICTIONS
          ---------------------

          1.   Restriction on Transfer.  Except for any Permitted Transfer,
               -----------------------
Participant shall not transfer, assign, encumber or otherwise dispose of any of
the Purchased Shares which are subject to the Repurchase Right.  In addition,
Purchased Shares which are released from the Repurchase Right shall not be
transferred, assigned, encumbered or otherwise disposed of in contravention of
the First Refusal Right or the Market Stand-Off.

                                      2.
<PAGE>

          2.   Transferee Obligations.  Each person (other than the Corporation)
               ----------------------
to whom the Purchased Shares are transferred by means of a Permitted Transfer
must, as a condition precedent to the validity of such transfer, acknowledge in
writing to the Corporation that such person is bound by the provisions of this
Agreement and that the transferred shares are subject to (i) the Repurchase
Right, (ii) the First Refusal Right and (iii) the Market Stand-Off, to the same
extent such shares would be so subject if retained by Participant.

          3.   Market Stand-Off.
               ----------------

               (a)  In connection with any underwritten public offering by the
Corporation of its equity securities pursuant to an effective registration
statement filed under the 1933 Act, including the Corporation's initial public
offering, Owner shall not sell, make any short sale of, loan, hypothecate,
pledge, grant any option for the purchase of, or otherwise dispose or transfer
for value or otherwise agree to engage in any of the foregoing transactions with
respect to, any Purchased Shares without the prior written consent of the
Corporation or its underwriters.  Such restriction (the "Market Stand-Off")
shall be in effect for such period of time from and after the effective date of
the final prospectus for the offering as may be requested by the Corporation or
such underwriters.  In no event, however, shall such period exceed one hundred
eighty (180) days and the Market Stand-Off shall in all events terminate two (2)
years after the effective date of the Corporation's initial public offering.

               (b)  Owner shall be subject to the Market Stand-Off provided and
                                                                   ------------
only if the officers and directors of the Corporation are also subject to
-------
similar--restrictions.

               (c)  Any new, substituted or additional securities which are by
reason of any Recapitalization or Reorganization distributed with respect to the
Purchased Shares shall be immediately subject to the Market Stand-Off, to the
same extent the Purchased Shares are at such time covered by such provisions.

               (d)  In order to enforce the Market Stand-Off, the Corporation
may impose stop-transfer instructions with respect to the Purchased Shares until
the end of the applicable stand-off period.

     D.   REPURCHASE RIGHT
          ----------------

          1.   Grant.  The Corporation is hereby granted the right (the
               -----
"Repurchase Right"), exercisable at any time during the ninety (90)-day period
following the date Participant ceases for any reason to remain in Service, to
repurchase at the Purchase Price all or any portion of the Purchased Shares in
which Participant is not, at the time of his or her cessation of Service, vested
in accordance with the Vesting Schedule (such shares to be hereinafter referred
to as the "Unvested Shares").

          2.   Exercise of the Repurchase Right.  The Repurchase Right shall be
               --------------------------------
exercisable by written notice delivered to each Owner of the Unvested Shares
prior to the expiration of the ninety (90)-day exercise period.  The notice
shall indicate the number of Unvested Shares to be repurchased and the date on
which the repurchase is to be effected, such date to be not more than thirty
(30) days after the date of such notice.  The certificates representing the
Unvested Shares to be repurchased shall be delivered to the Corporation prior to

                                      3.
<PAGE>

the close of business on the date specified for the repurchase.  Concurrently
with the receipt of such stock certificates, the Corporation shall pay to Owner,
in cash or cash equivalents (including the cancellation of any purchase-money
indebtedness), an amount equal to the Purchase Price previously paid for the
Unvested Shares which are to be repurchased from Owner.

          3.   Termination of the Repurchase Right.  The Repurchase Right shall
               -----------------------------------
terminate with respect to any Unvested Shares for which it is not timely
exercised under Paragraph D.2.  In addition, the Repurchase Right shall
terminate and cease to be exercisable with respect to any and all Purchased
Shares in which Participant vests in accordance with the following Vesting
Schedule:

               (i)  Upon Participant's completion of one (1) year of Service
     measured from ______________, 199__, Participant shall acquire a vested
     interest in, and the Repurchase Right shall lapse with respect to, twenty-
     five percent (25%) of the Purchased Shares .

               (ii) Participant shall acquire a vested interest in, and the
     Repurchase Right shall lapse with respect to, the remaining Purchased
     Shares in a series of successive equal monthly installments upon
     Participant's completion of each additional month of Service over the
     thirty-six (36)-month period measured from the initial vesting date under
     subparagraph (i) above.

          All Purchased Shares as to which the Repurchase Right lapses shall,
however, remain subject to (i) the First Refusal Right and (ii) the Market
Stand-Of.

          4.   Recapitalization.  Any new, substituted or additional securities
               ----------------
or other property (including cash paid other than as a regular cash dividend)
which is by reason of any Recapitalization distributed with respect to the
Purchased Shares shall be immediately subject to the Repurchase Right, but only
to the extent the Purchased Shares are at the time covered by such right.
Appropriate adjustments to reflect such distribution shall be made to the number
and/or class of Purchased Shares subject to this Agreement and to the price per
share to be paid upon the exercise of the Repurchase Right in order to reflect
the effect of any such Recapitalization upon the Corporation's capital
structure; provided, however, that the aggregate purchase price shall remain the
           --------
same.

          5.   Corporate Transaction.
               ---------------------

               (a)   Immediately prior to the consummation of any Corporate
Transaction, the Repurchase Right shall automatically lapse in its entirety,
except to the extent the Repurchase Right is assigned to the successor
corporation (or parent thereof) in connection with the Corporate Transaction.

               (b)  To the extent the Repurchase Right remains in effect
following a Corporate Transaction, such right shall apply to the new capital
stock or other property (including any cash payments) received in exchange for
the Purchased Shares in consummation of the Corporate Transaction, but only to
the extent the Purchased Shares are at the time covered by such right.
Appropriate adjustments shall be made to the price per share payable upon

                                      4.
<PAGE>

exercise of the Repurchase Right to reflect the effect of the Corporate
Transaction upon the Corporation's capital structure; provided, however, that
the aggregate purchase price shall remain the same. The new securities or other
property (including cash payments) issued or distributed with respect to the
Purchased Shares in consummation of the Corporate Transaction shall immediately
be deposited in escrow with the Corporation (or the successor entity) and shall
not be released from escrow until Participant vests in such securities or other
property in accordance with the same Vesting Schedule in effect for the
Purchased Shares.

     E.   RIGHT OF FIRST REFUSAL
          ----------------------

          1.   Grant.  The Corporation is hereby granted the right of first
               -----
refusal (the "First Refusal Right"), exercisable in connection with any proposed
transfer of the Purchased Shares in which Participant has vested in accordance
with the Vesting Schedule.  For purposes of this Article E, the term "transfer"
shall include any sale, assignment, pledge, encumbrance or other disposition of
the Purchased Shares intended to be made by Owner, but shall not include any
Permitted Transfer.

          2.   Notice of Intended Disposition.  In the event any Owner of
               ------------------------------
Purchased Shares in which Participant has vested desires to accept a bona fide
third-party offer for the transfer of any or all of such shares (the Purchased
Shares subject to such offer to be hereinafter referred to as the "Target
Shares"), Owner shall promptly (i) deliver to the Corporation written notice
(the "Disposition Notice") of the terms of the offer, including the purchase
price and the identity of the third-party offeror, and (ii) provide satisfactory
proof that the disposition of the Target Shares to such third-party offeror
would not be in contravention of the provisions set forth in Articles B and C.

          3.  Exercise of the First Refusal Right.  The Corporation shall, for a
              -----------------------------------
period of forty-five (45) days following receipt of the Disposition Notice, have
the right to repurchase any or all of the Target Shares subject to the
Disposition Notice upon the same terms as those specified therein or upon such
other terms (not materially different from those specified in the Disposition
Notice) to which Owner consents.  Such right shall be exercisable by delivery of
written notice (the "Exercise Notice") to Owner prior to the expiration of the
forty-five (45)-day exercise period.  If such right is exercised with respect to
all the Target Shares, then the Corporation shall effect the repurchase of such
shares, including payment of the purchase price, not more than fifteen (15)
business days after delivery of the Exercise Notice; and at such time the
certificates representing the Target Shares shall be delivered to the
Corporation.

          Should the purchase price specified in the Disposition Notice be
payable in property other than cash or evidences of indebtedness, the
Corporation shall have the right to pay the purchase price in the form of cash
equal in amount to the value of such property.  If Owner and the Corporation
cannot agree on such cash value within thirty (30) days after the Corporation's
receipt of the Disposition Notice, the valuation shall be made by an appraiser
of recognized standing selected by Owner and the Corporation or, if they cannot
agree on an appraiser within forty-five (45) days after the Corporation's
receipt of the Disposition Notice, each shall select an appraiser of recognized
standing and the two (2) appraisers shall designate a third appraiser of
recognized standing, whose appraisal shall be determinative of such value.  The
cost of such appraisal shall be shared equally by Owner and the Corporation.
The closing

                                      5.
<PAGE>

shall then be held on the later of (i) the fifteenth business day following
                          -----
delivery of the Exercise Notice or (ii) the fifteenth business day after such
valuation shall have been made.

          4.   Non-Exercise of the First Refusal Right.  In the event the
               ---------------------------------------
Exercise Notice is not given to Owner prior to the expiration of the forty-five
(45)-day exercise period, Owner shall have a period of thirty (30) days
thereafter in which to sell or otherwise dispose of the Target Shares to the
third-party offeror identified in the Disposition Notice upon terms (including
the purchase price) no more favorable to such third-party offeror than those
specified in the Disposition Notice; provided, however, that any such sale or
                                     --------
disposition must not be effected in contravention of the provisions of Articles
B and C.  The third-party offeror shall acquire the Target Shares free and clear
of the Repurchase Right and the First Refusal Right, but the acquired shares
shall remain subject to the provisions of Article B and Paragraph C.3.  In the
event Owner does not effect such sale or disposition of the Target Shares within
the specified thirty (30)-day period, the First Refusal Right shall continue to
be applicable to any subsequent disposition of the Target Shares by Owner until
such right lapses.

          5.   Partial Exercise of the First Refusal Right.  In the event the
               -------------------------------------------
Corporation makes a timely exercise of the First Refusal Right with respect to a
portion, but not all, of the Target Shares specified in the Disposition Notice,
Owner shall have the option, exercisable by written notice to the Corporation
delivered within fifteen (15) business days after Owner's receipt of the
Exercise Notice, to effect the sale of the Target Shares pursuant to either of
the following alternatives:

               (i)   sale or other disposition of all the Target Shares to the
     third-party offeror identified in the Disposition Notice, but in full
     compliance with the requirements of Paragraph E.4, as if the Corporation
     did not exercise the First Refusal Right; or

               (ii)  sale to the Corporation of the portion of the Target Shares
     which the Corporation has elected to purchase, such sale to be effected in
     substantial conformity with the provisions of Paragraph E.3. The First
     Refusal Right shall continue to be applicable to any subsequent disposition
     of the remaining Target Shares until such right lapses.

          Failure of Owner to deliver timely notification to the Corporation
shall be deemed to be an election by Owner to sell the Target Shares pursuant to
alternative (i) above.

          6.   Recapitalization/Reorganization.
               -------------------------------

               (a)  Any new, substituted or additional securities or other
property which is by reason of any Recapitalization distributed with respect to
the Purchased Shares shall be immediately subject to the First Refusal Right,
but only to the extent the Purchased Shares are at the time covered by such
right.

              (b) In the event of a Reorganization, the First Refusal Right
shall remain in full force and effect and shall apply to the new capital stock
or other property received in exchange for the Purchased Shares in consummation
of the Reorganization, but only to the extent the Purchased Shares are at the
time covered by such right.

                                      6.
<PAGE>

          7.   Lapse.  The First Refusal Right shall lapse upon the earliest to
               -----                                                --------
occur of (i) the first date on which shares of the Common Stock are held of
record by more than five hundred (500) persons, (ii) a determination is made by
the Board that a public market exists for the outstanding shares of Common Stock
or (iii) a firm commitment underwritten public offering, pursuant to an
effective registration statement under the 1933 Act, covering the offer and sale
of the Common Stock in the aggregate amount of at least ten million dollars
($10,000,000).  However, the Market Stand-Off shall continue to remain in full
force and effect following the lapse of the First Refusal Right.

     F.   SPECIAL TAX ELECTION
          --------------------

          1.   Section 83(b) Election. Under Code Section 83, the excess of
               ----------------------
the fair market value of the Purchased Shares on the date any forfeiture
restrictions applicable to such shares lapse over the Purchase Price paid for
such shares will be reportable as ordinary income on the lapse date. For this
purpose, the term "forfeiture restrictions" includes the right of the
Corporation to repurchase the Purchased Shares pursuant to the Repurchase Right.
Participant may elect under Code Section 83(b) to be taxed at the time the
Purchased Shares are acquired, rather than when and as such Purchased Shares
cease to be subject to such forfeiture restrictions. Such election must be filed
with the Internal Revenue Service within thirty (30) days after the date of this
Agreement. Even if the fair market value of the Purchased Shares on the date of
this Agreement equals the Purchase Price paid (and thus no tax is payable), the
election must be made to avoid adverse tax consequences in the future. THE FORM
FOR MAKING THIS ELECTION IS ATTACHED AS EXHIBIT III HERETO. PARTICIPANT
UNDERSTANDS THAT FAILURE TO MAKE THIS FILING WITHIN THE APPLICABLE THIRTY (30)-
DAY PERIOD WILL RESULT IN THE RECOGNITION OF ORDINARY INCOME AS THE FORFEITURE
RESTRICTIONS LAPSE.

          2.   FILING RESPONSIBILITY.  PARTICIPANT ACKNOWLEDGES THAT IT IS
               ---------------------
PARTICIPANT'S SOLE RESPONSIBILITY, AND NOT THE CORPORATION'S, TO FILE A TIMELY
ELECTION UNDER CODE SECTION 83(b), EVEN IF PARTICIPANT REQUESTS THE CORPORATION
OR ITS REPRESENTATIVES TO MAKE THIS FILING ON HIS OR HER BEHALF.

     G.   GENERAL PROVISIONS
          ------------------

          1.   Assignment. The Corporation may assign the Repurchase Right
               -----------
and/or the First Refusal Right to any person or entity selected by the Board,
including (without limitation) one or more stockholders of the Corporation.

          2.   No Employment or Service Contract. Nothing in this Agreement
               ---------------------------------
or in the Plan shall confer upon Participant any right to continue in Service
for any period of specific duration or interfere with or otherwise restrict in
any way the rights of the Corporation (or any Parent or Subsidiary employing or
retaining Participant) or of Participant, which rights are hereby expressly
reserved by each, to terminate Participant's Service at any time for any reason,
with or without cause.

                                      7.
<PAGE>

               3.   Notices. Any notice required to be given under this
                    -------
 Agreement shall be in writing and shall be deemed effective upon personal
 delivery or upon deposit in the U.S. mail, registered or certified, postage
 prepaid and properly addressed to the party entitled to such notice at the
 address indicated below such party's signature line on this Agreement or at
 such other address as such party may designate by ten (10) days advance written
 notice under this paragraph to all other parties to this Agreement.

               4.   No Waiver.  The failure of the Corporation in any instance
                    ---------
to exercise the Repurchase Right or the First Refusal Right shall not constitute
a waiver of any other repurchase rights and/or rights of first refusal that may
subsequently arise under the provisions of this Agreement or any other agreement
between the Corporation and Participant. No waiver of any breach or condition of
this Agreement shall be deemed to be a waiver of any other or subsequent breach
or condition, whether of like or different nature.

               5.   Cancellation of Shares. If the Corporation shall make
                    ----------------------
available, at the time and place and in the amount and form provided in this
Agreement, the consideration for the Purchased Shares to be repurchased in
accordance with the provisions of this Agreement, then from and after such time,
the person from whom such shares are to be repurchased shall no longer have any
rights as a holder of such shares (other than the right to receive payment of
such consideration in accordance with this Agreement). Such shares shall be
deemed purchased in accordance with the applicable provisions hereof, and the
Corporation shall be deemed the owner and holder of such shares, whether or not
the certificates therefor have been delivered as required by this Agreement.

               6.   Participant Undertaking.  Participant hereby agrees to take
                    ---------------------
whatever additional action and execute whatever additional documents the
Corporation may deem necessary or advisable in order to carry out or effect one
or more of the obligations or restrictions imposed on either Participant or the
Purchased Shares pursuant to the provisions of this Agreement.

               7.   Governing Law. This Agreement shall be governed by, and
                    -------------
construed in accordance with, the laws of ________________ without resort to
that State's conflict-of-laws rules.

               8.   Successors and Assigns. The provisions of this Agreement
                    ----------------------
shall inure to the benefit of, and be binding upon, the Corporation and its
successors and assigns and upon Participant, Participant's assigns and the legal
representatives, heirs and legatees of Participant's estate, whether or not any
such person shall have become a party to this Agreement and have agreed in
writing to join herein and be bound by the terms hereof.

                                      8.
<PAGE>

          IN WITNESS WHEREOF, the parties have executed this Agreement on the
day and year first indicated above.

                                         NAVIANT TECHNOLOGY SOLUTIONS, INC.

                                         By:__________________________________

                                         Title:_______________________________

                                         Address:_____________________________

                                         _____________________________________

                                         _____________________________________
                                         PARTICIPANT

                                         Address: ____________________________

                                         _____________________________________

                                      9.
<PAGE>

                                   EXHIBIT I

                      ASSIGNMENT SEPARATE FROM CERTIFICATE

          FOR VALUE RECEIVED _____________________  hereby sell(s), assign(s)
and transfer(s) unto Naviant Technology Solutions, Inc. (the "Corporation"),
_________________ (_____) shares of the Common Stock of the Corporation standing
in his or her name on the books of the Corporation represented by Certificate
No. ________________ herewith and do(es) hereby irrevocably constitute and
appoint ________________________ Attorney to transfer the said stock on the
books of the Corporation with full power of substitution in the premises.

Dated:  _______________

                                          Signature:______________________

Instruction:  Please do not fill in any blanks other than the signature line.
Please sign exactly as you would like your name to appear on the issued stock
certificate.  The purpose of this assignment is to enable the Corporation to
exercise the Repurchase Right without requiring additional signatures on the
part of Participant.
<PAGE>

                                   EXHIBIT II

                           SECTION 83(b) TAX ELECTION

This statement is being made under Section 83(b) of the Internal Revenue Code,
pursuant to Treas. Reg. Section 1.83-2.

(1)  The taxpayer who performed the services is:

     Name:
     Address:
     Taxpayer Ident. No.:

(2)  The property with respect to which the election is being made is _________
     shares of the common stock of Naviant Technology Solutions, Inc.

(3)  The property was issued on _________________.

(4)  The taxable year in which the election is being made is the calendar year
     _____________.

(5)  The property is subject to a repurchase right pursuant to which the issuer
     has the right to acquire the property at the original purchase price if for
     any reason taxpayer's service with the issuer terminates.  The issuer's
     repurchase right lapses in a series of installments over a _____________-
     year period ending on ____________________, 200__.

(6)  The fair market value at the time of transfer (determined without regard to
     any restriction other than a restriction which by its terms will never
     lapse) is $___________ per share.

(7)  The amount paid for such property is $__________ per share.

(8)  A copy of this statement was furnished to Naviant Technology Solutions,
     Inc. for whom taxpayer rendered the services underlying the transfer of
     property.

(9)  This statement is executed on __________________________________.

____________________________________________    ______________________________
Spouse (if any)                                 Taxpayer

This election must be filed with the Internal Revenue Service Center with which
taxpayer files his or her Federal income tax returns and must be made within
thirty (30) days after the execution date of the Stock Issuance Agreement.  This
filing should be made by registered or certified mail, return receipt requested.
Participant must retain two (2) copies of the completed form for filing with his
or her Federal and state tax returns for the current tax year and an additional
copy for his or her records.
<PAGE>

                                  EXHIBIT III

                     1999 STOCK OPTION/STOCK ISSUANCE PLAN
<PAGE>

                                    APPENDIX

          The following definitions shall be in effect under the Agreement:

     A.   Agreement shall mean this Stock Issuance Agreement.
          ---------

     B.   Board shall mean the Corporation's Board of Directors.
          -----

     C.   Code shall mean the Internal Revenue Code of 1986, as amended.
          ----

     D.   Common Stock shall mean the Corporation's common stock.
          ------------

     E.   Corporate Transaction shall mean either of the following stockholder-
          ---------------------
approved transactions:

               (i)  a merger or consolidation in which securities possessing
     more than fifty percent (50%) of the total combined voting power of the
     Corporation's outstanding securities are transferred to a person or persons
     different from the persons holding those securities immediately prior to
     such transaction, or

               (ii) the sale, transfer or other disposition of all or
     substantially all of the Corporation's assets in complete liquidation or
     dissolution of the Corporation.

     F.   Corporation shall mean Naviant Technology Solutions, Inc., a Delaware
          -----------
corporation.

     G.   Disposition Notice shall have the meaning assigned to such term in
          ------------------
Paragraph E.2.

     H.   Exercise Notice shall have the meaning assigned to such term in
          ---------------
Paragraph E.3.

     I.   Fair Market Value of a share of Common Stock on any relevant date
          -----------------
prior to the initial public offering of the Common Stock shall be determined by
the Plan Administrator after taking into account such factors as it shall deem
appropriate.

     J.   First Refusal Right shall mean the right granted to the Corporation in
          -------------------
accordance with Article E.

     K.   Market Stand-Off shall mean the market stand-off restriction specified
          ----------------
in Paragraph C.3.

     L.   Misconduct shall mean the commission of any act of fraud, embezzlement
          ----------
or dishonesty by Participant, any unauthorized use or disclosure by Participant
of confidential information or trade secrets of the Corporation (or any Parent
or Subsidiary), or any other

                                      A-1
<PAGE>

intentional misconduct by Participant adversely affecting the business or
affairs of the Corporation (or any Parent or Subsidiary) in a material manner.
The foregoing definition shall not be deemed to be inclusive of all the acts or
omissions which the Corporation (or any Parent or Subsidiary) may consider as
grounds for the dismissal or discharge of Participant or any other person in the
Service of the Corporation (or any Parent or Subsidiary).

     M.   1933 Act shall mean the Securities Act of 1933, as amended.
          --------

     N.   Owner shall mean Participant and all subsequent holders of the
          -----
Purchased Shares who derive their chain of ownership through a Permitted
Transfer from Participant.

     O.   Parent shall mean any corporation (other than the Corporation) in an
          ------
unbroken chain of corporations ending with the Corporation, provided each
corporation in the unbroken chain (other than the Corporation) owns, at the time
of the determination, stock possessing fifty percent (50%) or more of the total
combined voting power of all classes of stock in one of the other corporations
in such chain.

     P.   Participant shall mean the person to whom shares are issued under the
          -----------
Stock Issuance Program.

     Q.   Permitted Transfer shall mean (i) a gratuitous transfer of the
          ------------------
Purchased Shares, provided and only if Participant obtains the Corporation's
                  --------------------
prior written consent to such transfer, (ii) a transfer of title to the
Purchased Shares effected pursuant to Participant's will or the laws of
intestate succession following Participant's death or (iii) a transfer to the
Corporation in pledge as security for any purchase-money indebtedness incurred
by Participant in connection with the acquisition of the Purchased Shares.

     R.   Plan shall mean the Corporation's 1999 Stock Option/Stock Issuance
          ----
Plan attached hereto as Exhibit III.

     S.   Plan Administrator shall mean either the Board or a committee of Board
          ------------------
members, to the extent the committee is at the time responsible for
administration of the Plan.

     T.   Purchase Price shall have the meaning assigned to such term in
          --------------
Paragraph A.1.

     U.   Purchased Shares shall have the meaning assigned to such term in
          ----------------
Paragraph A.1.

     V.   Recapitalization shall mean any stock split, stock dividend,
          ----------------
recapitalization, combination of shares, exchange of shares or other change
affecting the outstanding Common Stock as a class without the Corporation's
receipt of consideration.

     W.   Reorganization shall mean any of the following transactions:
          --------------

               (i)  a merger or consolidation in which the Corporation is not
the surviving entity,

                                      A-2
<PAGE>

               (ii)  a sale, transfer or other disposition of all or
     substantially all of the Corporation's assets,

               (iii) a reverse merger in which the Corporation is the surviving
     entity but in which the Corporation's outstanding voting securities are
     transferred in whole or in part to a person or persons different from the
     persons holding those securities immediately prior to the merger, or

               (iv)  any transaction effected primarily to change the state in
     which the Corporation is incorporated or to create a holding company
     structure.

     X.   Repurchase Right  shall mean the right granted to the Corporation in
          ----------------
accordance with Article D.

     Y.   SEC shall mean the Securities and Exchange Commission.
          ---

     AA.  Service shall mean the Participant's performance of services to the
          -------
Corporation (or any Parent or Subsidiary) in the capacity of an employee,
subject to the control and direction of the employer entity as to both the work
to be performed and the manner and method of performance, a non-employee member
of the board of directors or a consultant or independent advisor.

     AB.  Stock Issuance Program shall mean the Stock Issuance Program under the
          ----------------------
Plan.

     AC.  Subsidiary shall mean any corporation (other than the Corporation) in
          ----------
an unbroken chain of corporations beginning with the Corporation, provided each
corporation (other than the last corporation) in the unbroken chain owns, at the
time of the determination, stock possessing fifty percent (50%) or more of the
total combined voting power of all classes of stock in one of the other
corporations in such chain.

     AD.  Target Shares shall have the meaning assigned to such term in
          -------------
Paragraph E.2.

     AE.  Vesting Schedule shall mean the vesting schedule specified in
          ----------------
Paragraph D.3, subject to the acceleration provisions upon an Involuntary
Termination following a Corporate Transaction.

     AF.  Unvested Shares shall have the meaning assigned to such term in
          ---------------
Paragraph D.1.

                                      A-3<PAGE>

                                                                   EXHIBIT 10.13

                      NAVIANT TECHNOLOGY SOLUTIONS, INC.
                            STOCK OPTION AGREEMENT
                            ----------------------

RECITALS
--------

     A.   The Board has adopted the Plan for the purpose of retaining the
services of selected Employees, non-employee members of the Board or the board
of directors of any Parent or Subsidiary and consultants and other independent
advisors in the service of the Corporation (or any Parent or Subsidiary).

     B.   Optionee is to render valuable services to the Corporation (or a
Parent or Subsidiary), and this Agreement is executed pursuant to, and is
intended to carry out the purposes of, the Plan in connection with the
Corporation's grant of an option to Optionee.

     C.   All capitalized terms in this Agreement shall have the meaning
assigned to them in the attached Appendix.

          NOW, THEREFORE, it is hereby agreed as follows:

          1.   Grant of Option.  The Corporation hereby grants to Optionee, as
               ---------------
of the Grant Date, an option to purchase up to the number of Option Shares
specified in the Grant Notice. The Option Shares shall be purchasable from time
to time during the option term specified in Paragraph 2 at the Exercise Price.

          2.   Option Term.  This option shall have a term of ten (10) years
               -----------
measured from the Grant Date and shall accordingly expire at the close of
business on the Expiration Date, unless sooner terminated in accordance with
Paragraph 5 or 6.

          3.   Limited Transferability.  This option shall be neither
               -----------------------
transferable nor assignable by Optionee other than by will or by the laws of
descent and distribution following Optionee's death and may be exercised, during
Optionee's lifetime, only by Optionee. However, if this option is designated a
Non-Statutory Option in the Grant Notice, then this option may be assigned in
whole or in part during Optionee's lifetime either as (i) as a gift to one or
more members of Optionee's Immediate Family, to a trust in which Optionee and/or
one or more such family members hold more than fifty percent (50%) of the
beneficial interest or an entity in which more than fifty percent (50%) of the
voting interests are owned by Optionee and/or one or more such family members,
or (ii) pursuant to a domestic relations order. The assigned portion shall be
exercisable only by the person or persons who acquire a proprietary interest in
the option pursuant to such assignment. The terms applicable to the assigned
portion shall be the same as those in effect for this option immediately prior
to such assignment and shall be set forth in such documents issued to the
assignee as the Plan Administrator may deem appropriate.

          4.   Exercisability.  This option shall become exercisable for the
               --------------
Option Shares in one or more installments as specified in the Grant Notice. As
the option becomes exercisable for such installments, those installments shall
accumulate, and the option shall

<PAGE>

remain exercisable for the accumulated installments until the Expiration Date or
sooner termination of the option term under Paragraph 5 or 6.

          5.   Cessation of Service.  The option term specified in Paragraph 2
               --------------------
shall terminate (and this option shall cease to be outstanding) prior to the
Expiration Date should any of the following provisions become applicable:

                    (i)    Should Optionee cease to remain in Service for any
reason (other than death, Permanent Disability or Misconduct) while this option
is outstanding, then the period for exercising this option shall be limited to a
three (3)-month period measured from the date of such cessation of Service but
in no event shall this option be exercisable at any time after the Expiration
Date.

                    (ii)   Should Optionee die while holding this option, then
the personal representative of Optionee's estate or the person or persons to
whom the option is transferred pursuant to Optionee's will or in accordance with
the laws of descent and distribution shall have the right to exercise this
option. Such right shall lapse, and this option shall cease to be outstanding,
upon the earlier of the expiration of the twelve (12)-month period measured from
the date of Optionee's death or the Expiration Date.

                    (iii)  Should Optionee cease Service by reason of Permanent
Disability while this option is outstanding, then the period for exercising this
option shall be limited to a twelve (12)-month period measured from the date of
such cessation of Service. In no event shall this option be exercisable at any
time after the Expiration Date.

                    (iv)   Should Optionee's Service be terminated for
Misconduct, then this option shall terminate immediately and cease to remain
outstanding.

                    (v)    During the limited period of post-Service
exercisability, this option may not be exercised in the aggregate for more than
the number of Option Shares in which Optionee is, at the time of Optionee's
cessation of Service, vested in accordance with the Vesting Schedule specified
in the Grant Notice or the special vesting acceleration provisions of Paragraph
6. Upon the expiration of such limited exercise period or (if earlier) upon the
Expiration Date, this option shall terminate and cease to be outstanding for any
vested Option Shares for which the option has not been exercised. To the extent
Optionee is not vested in the Option Shares at the time of Optionee's cessation
of Service, this option shall immediately terminate and cease to be outstanding
with respect to those shares.

          6.   Special Acceleration of Option.
               ------------------------------

               (a)  All the Option Shares subject to this option at the time of
a Corporate Transaction but not otherwise vested shall automatically vest and
the Corporation's repurchase rights with respect to those Option Shares shall
immediately terminate so that this

                                      2.
<PAGE>

option shall, immediately prior to the effective date of the Corporate
Transaction, become exercisable for all of the Option Shares as fully-vested
shares of Common Stock and may be exercised for any or all of those Option
Shares. No such accelerated vesting of the Option Shares, however, shall occur
if and to the extent: (i) this option is, in connection with the Corporate
Transaction, either to be assumed by the successor corporation (or parent
thereof) in the Corporate Transaction and the Corporation's repurchase rights
with respect to the unvested Option Shares are assigned to such or (ii) this
option is to be replaced with a cash incentive program of the successor
corporation which preserves the spread existing on the unvested Option Shares at
the time of the Corporate Transaction (the excess of the Fair Market Value of
those Option Shares over the Exercise Price payable for such shares) and
provides for subsequent payout in accordance with the Vesting Schedule.

               (b)  Immediately following the Corporate Transaction, this option
shall terminate and cease to be outstanding, except to the extent assumed by the
successor corporation (or parent thereof) in connection with the Corporate
Transaction.

               (c)  If this option is assumed in connection with a Corporate
Transaction, then this option shall be appropriately adjusted, immediately after
such Corporate Transaction, to apply to the number and class of securities which
would have been issuable to Optionee in consummation of such Corporate
Transaction had the option been exercised immediately prior to such Corporate
Transaction, and appropriate adjustments shall also be made to the Exercise
Price, provided the aggregate Exercise Price shall remain the same.
       --------

               (d)  This Agreement shall not in any way affect the right of the
Corporation to adjust, reclassify, reorganize or otherwise change its capital or
business structure or to merge, consolidate, dissolve, liquidate or sell or
transfer all or any part of its business or assets.

          7.   Adjustment in Option Shares.  Should any change be made to the
               ---------------------------
Common Stock by reason of any stock split, stock dividend, recapitalization,
combination of shares, exchange of shares or other change affecting the
outstanding Common Stock as a class without the Corporation's receipt of
consideration, appropriate adjustments shall be made to (i) the total number
and/or class of securities subject to this option and (ii) the Exercise Price in
order to reflect such change and thereby preclude a dilution or enlargement of
benefits hereunder.

          8.   Stockholder Rights.  The holder of this option shall not have any
               ------------------
stockholder rights with respect to the Option Shares until such person shall
have exercised the option, paid the Exercise Price and become the record holder
of the purchased shares.

          9.   Manner of Exercising Option.
               ---------------------------

               (a)  In order to exercise this option with respect to all or any
part of the Option Shares for which this option is at the time exercisable,
Optionee (or any other person or persons exercising the option) must take the
following actions:

                    (i)  Execute and deliver to the Corporation a Purchase
Agreement for the Option Shares for which the option is exercised.

                                      3.
<PAGE>

                    (ii) Pay the aggregate Exercise Price for the purchased
shares in one or more of the following forms:

                         (A)  cash or check made payable to the Corporation; or

                         (B)  a promissory note payable to the Corporation, but
     only to the extent authorized by the Plan Administrator in accordance with
     Paragraph 14.

          Should the Common Stock be registered under Section 12 of the 1934 Act
     at the time the option is exercised, then the Exercise Price may also be
     paid as follows:

                         (C)  in shares of Common Stock held by Optionee (or any
     other person or persons exercising the option) for the requisite period
     necessary to avoid a charge to the Corporation's earnings for financial
     reporting purposes and valued at Fair Market Value on the Exercise Date; or

                         (D)  to the extent the option is exercised for vested
     Option Shares, through a special sale and remittance procedure pursuant to
     which Optionee (or any other person or persons exercising the option) shall
     concurrently provide irrevocable instructions to a Corporation-designated
     brokerage firm to effect the immediate sale of the purchased shares and
     remit to the Corporation, out of the sale proceeds available on the
     settlement date, sufficient funds to cover the aggregate Exercise Price
     payable for the purchased shares plus all applicable Federal, state and
     local income and employment taxes required to be withheld by the
     Corporation by reason of such exercise and to the Corporation to deliver
     the certificates for the purchased shares directly to such brokerage firm
     in order to complete the sale.

          Except to the extent the sale and remittance procedure is utilized in
     connection with the option exercise, payment of the Exercise Price must
     accompany the Purchase Agreement delivered to the Corporation in connection
     with the option exercise.

               (iii)     Furnish to the Corporation appropriate documentation
that the person or persons exercising the option (if other than Optionee) have
the right to exercise this option.

               (iv)      Execute and deliver to the Corporation such written
representations as may be requested by the Corporation in order for it to comply
with the applicable requirements of Federal and state securities laws.

               (v)       Make appropriate arrangements with the Corporation (or
Parent or Subsidiary employing or retaining Optionee) for the

                                      4.

<PAGE>

     satisfaction of all Federal, state and local income and employment tax
     withholding requirements applicable to the option exercise.

               (b)  As soon as practical after the Exercise Date, the
Corporation shall issue to or on behalf of Optionee (or any other person or
persons exercising this option) a certificate for the purchased Option Shares,
with the appropriate legends affixed thereto. To the extent any such Option
Shares are unvested, the certificates for those Option Shares shall be endorsed
with an appropriate legend evidencing the Corporation's repurchase rights and
may be held in escrow with the Corporation until such shares vest.

               (c)  In no event may this option be exercised for any fractional
shares.

          10.  REPURCHASE RIGHTS.  ALL OPTION SHARES ACQUIRED UPON THE EXERCISE
               -----------------
OF THIS OPTION SHALL BE SUBJECT TO CERTAIN RIGHTS OF THE CORPORATION AND ITS
ASSIGNS TO REPURCHASE THOSE SHARES IN ACCORDANCE WITH THE TERMS SPECIFIED IN THE
PURCHASE AGREEMENT.

          11.  Compliance with Laws and Regulations.
               ------------------------------------

               (a)  The exercise of this option and the issuance of the Option
Shares upon such exercise shall be subject to compliance by the Corporation and
Optionee with all applicable requirements of law relating thereto and with all
applicable regulations of any stock exchange (or the Nasdaq National Market, if
applicable) on which the Common Stock may be listed for trading at the time of
such exercise and issuance.

               (b)  The inability of the Corporation to obtain approval from any
regulatory body having authority deemed by the Corporation to be necessary to
the lawful issuance and sale of any Common Stock pursuant to this option shall
relieve the Corporation of any liability with respect to the non-issuance or
sale of the Common Stock as to which such approval shall not have been obtained.
The Corporation, however, shall use its best efforts to obtain all such
approvals.

          12.  Successors and Assigns.  Except to the extent otherwise provided
               ----------------------
in Paragraphs 3 and 6, the provisions of this Agreement shall inure to the
benefit of, and be binding upon, the Corporation and its successors and assigns
and Optionee, Optionee's assigns and the legal representatives, heirs and
legatees of Optionee's estate.

          13.  Notices.  Any notice required to be given or delivered to the
               -------
Corporation under the terms of this Agreement shall be in writing and addressed
to the Corporation at its principal corporate offices. Any notice required to be
given or delivered to Optionee shall be in writing and addressed to Optionee at
the address indicated below Optionee's signature line on the Grant Notice. All
notices shall be deemed effective upon personal delivery or upon deposit in the
U.S. mail, postage prepaid and properly addressed to the party to be notified.

          14.  Financing.  The Plan Administrator may, in its absolute
               ---------
discretion and without any obligation to do so, permit Optionee to pay the
Exercise Price for the purchased Option Shares by delivering a full-recourse,
interest-bearing promissory note secured by those

                                      5.

<PAGE>

Option Shares. The payment schedule in effect for any such promissory note shall
be established by the Plan Administrator in its sole discretion.

          15.  Construction.  This Agreement and the option evidenced hereby are
               ------------
made and granted pursuant to the Plan and are in all respects limited by and
subject to the terms of the Plan. All decisions of the Plan Administrator with
respect to any question or issue arising under the Plan or this Agreement shall
be conclusive and binding on all persons having an interest in this option.

          16.  Governing Law.  The interpretation, performance and enforcement
               -------------
of this Agreement shall be governed by the laws of the State of Delaware without
resort to that State's conflict-of-laws rules.

          17.  Stockholder Approval.  If the Option Shares covered by this
               --------------------
Agreement exceed, as of the Grant Date, the number of shares of Common Stock
which may without stockholder approval be issued under the Plan, then this
option shall be void with respect to such excess shares, unless stockholder
approval of an amendment sufficiently increasing the number of shares of Common
Stock issuable under the Plan is obtained in accordance with the provisions of
the Plan.

          18.  Additional Terms Applicable to an Incentive Option.  In the event
               --------------------------------------------------
this option is designated an Incentive Option in the Grant Notice, the following
terms and conditions shall also apply to the grant:

          (a) This option shall cease to qualify for favorable tax treatment as
an Incentive Option if (and to the extent) this option is exercised for one or
more Option Shares: more than three (3) months after the date Optionee ceases to
be an Employee for any reason other than death or Disability or more than twelve
(12) months after the date Optionee ceases to be an Employee by reason of
Permanent Disability.

          (b)  This option shall not become exercisable in the calendar year in
which granted if (and to the extent) the aggregate Fair Market Value (determined
at the Grant Date) of the Common Stock for which this option would otherwise
first become exercisable in such calendar year would, when added to the
aggregate value (determined as of the respective date or dates of grant) of the
Common Stock and any other securities for which one or more other Incentive
Options granted to Optionee prior to the Grant Date (whether under the Plan or
any other option plan of the Corporation or any Parent or Subsidiary) first
become exercisable during the same calendar year, exceed One Hundred Thousand
Dollars ($100,000) in the aggregate. To the extent the exercisability of this
option is deferred by reason of the foregoing limitation, the deferred portion
shall become exercisable in the first calendar year or years thereafter in which
the One Hundred Thousand Dollar ($100,000) limitation of this Paragraph 18(b)
would not be contravened, but such deferral shall in all events end immediately
prior to the effective date of a Corporate Transaction in which this option is
not to be

                                      6.

<PAGE>

assumed, whereupon the option shall become immediately exercisable as a Non-
Statutory Option for the deferred portion of the Option Shares.

          (c)  Should Optionee hold, in addition to this option, one or more
other options to purchase Common Stock which become exercisable for the first
time in the same calendar year as this option, then the foregoing limitations on
the exercisability of such options as Incentive Options shall be applied on the
basis of the order in which such options are granted.

                                      7.

<PAGE>

                                    APPENDIX
                                    --------

     The following definitions shall be in effect under the Agreement:

     A.   Agreement shall mean this Stock Option Agreement.
          ---------

     B.   Board shall mean the Corporation's Board of Directors.
          -----

     C.   Code shall mean the Internal Revenue Code of 1986, as amended.
          ----

     D.   Common Stock shall mean the Corporation's common stock.
          ------------

     E.   Corporate Transaction shall mean either of the following stockholder-
          ---------------------
approved transactions to which the Corporation is a party:

               (i)  a merger or consolidation in which securities possessing
more than fifty percent (50%) of the total combined voting power of the
Corporation's outstanding securities are transferred to a person or persons
different from the persons holding those securities immediately prior to such
transaction, or

               (ii) the sale, transfer or other disposition of all or
substantially all of the Corporation's assets in complete liquidation or
dissolution of the Corporation.

     F.   Corporation shall mean Naviant Technology Solutions, Inc., a Delaware
          -----------
corporation, and any successor corporation to all or substantially all of the
assets or voting stock of Naviant Technology Solutions, Inc. which shall be
appropriate action adopt the Plan.

     G.   Employee shall mean an individual who is in the employ of the
          --------
Corporation (or any Parent or Subsidiary), subject to the control and direction
of the employer entity as to both the work to be performed and the manner and
method of performance.

     H.   Exercise Date shall mean the date on which the option shall have been
          -------------
exercised in accordance with Paragraph 9 of the Agreement.

     I.   Exercise Price shall mean the exercise price payable per Option Share
          --------------
as specified in the Grant Notice.

     J.   Expiration Date shall mean the date on which the option expires as
          ---------------
specified in the Grant Notice.

     K.   Fair Market Value per share of Common Stock on any relevant date shall
          -----------------
be determined in accordance with the following provisions:

               (i)  If the Common Stock is at the time traded on the Nasdaq
National Market, then the Fair Market Value shall be the closing selling price
per share of Common Stock on the date in question, as the price is reported by
the

                                  A-1.

<PAGE>

     National Association of Securities Dealers on the Nasdaq National Market.
     If there is no closing selling price for the Common Stock on the date in
     question, then the Fair Market Value shall be the closing selling price on
     the last preceding date for which such quotation exists.

               (ii)   If the Common Stock is at the time listed on any Stock
     Exchange, then the Fair Market Value shall be the closing selling price per
     share of Common Stock on the date in question on the Stock Exchange
     determined by the Plan Administrator to be the primary market for the
     Common Stock, as such price is officially quoted in the composite tape of
     transactions on such exchange. If there is no closing selling price for the
     Common Stock on the date in question, then the Fair Market Value shall be
     the closing selling price on the last preceding date for which such
     quotation exists.

               (iii)  If the Common Stock is at the time neither listed on any
     Stock Exchange nor traded on the Nasdaq National Market, then the Fair
     Market Value shall be determined by the Plan Administrator after taking
     into account such factors as the Plan Administrator shall deem appropriate.

     L.   Grant Date shall mean the date of grant of the option as specified in
          ----------
the Grant Notice.

     M.   Grant Notice shall mean the Notice of Grant of Stock Option
          ------------
accompanying the Agreement, pursuant to which Optionee has been informed of the
basic terms of the option evidenced hereby.

     N.   Immediate Family of Optionee shall mean Optionee's child, stepchild,
          ----------------
grandchild, parent, stepparent, grandparent, spouse, former spouse, sibling,
niece, nephew, mother-in-law, father-in-law, son-in-law, daughter-in-law,
brother-in-law or sister-in-law, including adoptive relationships.

     O.   Incentive Option shall mean an option which satisfies the requirements
          ----------------
of Code Section 422.

     P.   Misconduct shall mean the commission of any act of fraud, embezzlement
          ----------
or dishonesty by Optionee, any unauthorized use or disclosure by Optionee of
confidential information or trade secrets of the Corporation (or any Parent or
Subsidiary), or any other intentional misconduct by Optionee adversely affecting
the business or affairs of the Corporation (or any Parent or Subsidiary) in a
material manner. The foregoing definition shall not be deemed to be inclusive of
all the acts or omissions which the Corporation (or any Parent or Subsidiary)
may consider as grounds for the dismissal or discharge of Optionee or any other
individual in the Service of the Corporation (or any Parent or Subsidiary).

     Q.   1934 Act shall mean the Securities Exchange Act of 1934, as amended.
          --------

     R.   Non-Statutory Option shall mean an option not intended to satisfy the
          --------------------
requirements of Code Section 422.

                                     A-2.

<PAGE>

     S.   Option Shares shall mean the number of shares of Common Stock subject
          -------------
to the option as specified in the Grant Notice.

     T.   Optionee shall mean the person to whom the option is granted as
          --------
specified in the Grant Notice.

     U.   Parent shall mean any corporation (other than the Corporation) in an
          ------
unbroken chain of corporations ending with the Corporation, provided each
corporation in the unbroken chain (other than the Corporation) owns, at the time
of the determination, stock possessing fifty percent (50%) or more of the total
combined voting power of all classes of stock in one of the other corporations
in such chain.

     V.   Permanent Disability shall mean the inability of Optionee to engage in
          --------------------
any substantial gainful activity by reason of any medically determinable
physical or mental impairment which is expected to result in death or has lasted
or can be expected to last for a continuous period of twelve (12) months or
more.

     W.   Plan shall mean the Corporation's 1999 Stock Option/Stock Issuance
          ----
Plan.

     X.   Plan Administrator shall mean either the Board or a committee of the
          ------------------
Board acting in its capacity as administrator of the Plan.

     Y.   Purchase Agreement shall mean the stock purchase agreement  in
          ------------------
substantially the form of Exhibit B to the Grant Notice.

     Z.   Service shall mean Optionee's performance of services for the
          -------
Corporation (or any Parent or Subsidiary) in the capacity of an Employee, a non-
employee member of the board of directors or a consultant or independent
advisor.

     AA.  Stock Exchange shall mean the American Stock Exchange or the New York
          --------------
Stock Exchange.

      BB. Subsidiary shall mean any corporation (other than the Corporation) in
          ----------
an unbroken chain of corporations beginning with the Corporation, provided each
corporation (other than the last corporation) in the unbroken chain owns, at the
time of the determination, stock possessing fifty percent (50%) or more of the
total combined voting power of all classes of stock in one of the other
corporations in such chain.

     CC.   Vesting Schedule shall mean the vesting schedule specified in the
           ----------------
Grant Notice pursuant to which the Optionee is to vest in the Option Shares in a
series of installments over his or her period of Service.

                                     A-3.

<PAGE>

                                   ADDENDUM
                                      TO
                            STOCK OPTION AGREEMENT

          The following provisions are hereby incorporated into, and are hereby
made a part of, that certain Stock Option Agreement (the "Option Agreement") by
and between Naviant Technology Solutions, Inc. (the "Corporation") and
________________________ ("Optionee") evidencing the stock option (the "Option")
granted on this date to Optionee under the terms of the Corporation's 1999 Stock
Option/Stock Issuance Plan, and such provisions shall be effective immediately.
All capitalized terms in this Addendum, to the extent not otherwise defined
herein, shall have the meanings assigned to them in the Option Agreement.

                       INVOLUNTARY TERMINATION FOLLOWING
                             CORPORATE TRANSACTION

          1.   To the extent the Option is, in connection with a Corporate
Transaction, to be assumed in accordance with Paragraph 6 of the Option
Agreement, none of the Option Shares shall vest on an accelerated basis upon the
occurrence of that Corporate Transaction, and Optionee shall accordingly
continue, over his or her period of Service following the Corporate Transaction,
to vest in the Option Shares in one or more installments in accordance with the
provisions of the Option Agreement. However, upon an Involuntary Termination of
Optionee's Service within eighteen (18) months following such Corporate
Transaction, all the Option Shares at the time subject to the Option shall
automatically vest in full on an accelerated basis so that the Option shall
immediately become exercisable for all the Option Shares as fully-vested shares
and may be exercised for any or all of those Option Shares as vested shares. The
Option shall remain so exercisable until the earlier of (i) the Expiration
                                             -------
Date or (ii) the expiration of the one (1)-year period measured from the date of
the Involuntary Termination.

          2.   For purposes of this Addendum, an Involuntary Termination shall
mean the termination of Optionee's Service by reason of:

               (i)  Optionee's involuntary dismissal or discharge by the
     Corporation for reasons other than for Misconduct, or

               (ii) Optionee's voluntary resignation following (A) a change in
     Optionee's position with the Corporation (or Parent or Subsidiary employing
     Optionee) which materially reduces Optionee's duties and responsibilities
     or the level of management to which he or she reports, (B) a reduction in
     Optionee's level of compensation (including base salary, fringe benefits
     and target bonuses under any corporate-performance based incentive
     programs) by more than fifteen percent (15%) or (C) a relocation of
     Optionee's place of employment by more than fifty (50) miles, provided and
     only if such change, reduction or relocation is effected by the Corporation
     without Optionee's consent.
<PAGE>

          3.   The provisions of Paragraph 1 of this Addendum shall govern the
period for which the Option is to remain exercisable following the Involuntary
Termination of Optionee's Service within eighteen (18) months after the
Corporate Transaction and shall supersede any provisions to the contrary in
Paragraph 5 of the Option Agreement. The provisions of this Addendum shall also
supersede any provisions to the contrary in Paragraph 18 of the Option Agreement
concerning the deferred exercisability of the Option.

                                      2.

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