Document:

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                                                                   Exhibit 10.5

                                   ISKY, INC.
                    AMENDED AND RESTATED STOCK INCENTIVE PLAN

1.       ESTABLISHMENT, PURPOSE AND TYPES OF AWARDS

         iSky, Inc., a Maryland corporation, formerly Sky Alland Research, Inc.
(the "Company"), hereby amends and restates the Sky Alland Research, Inc.
Amended and Restated Stock Incentive Plan as set forth herein (the "Plan"). The
purpose of the Plan is to promote the long-term growth and profitability of the
Company by (i) providing key people with incentives to improve stockholder value
and to contribute to the growth and financial success of the Company, and (ii)
enabling the Company to attract, retain and reward the best-available persons.

         The Plan permits the granting of stock options (including incentive
stock options qualifying under Code section 422 and nonqualified stock options),
stock appreciation rights, restricted or unrestricted stock awards, phantom
stock, performance awards, other stock-based awards, or any combination of the
foregoing.

2.       DEFINITIONS

         Under this Plan, except where the context otherwise indicates, the
following definitions apply:

         (a) "AFFILIATE" shall mean any entity, whether now or hereafter
existing, which controls, is controlled by, or is under common control with, the
Company (including, but not limited to, joint ventures, limited liability
companies, and partnerships). For this purpose, "control" shall mean ownership
of 50% or more of the total combined voting power or value of all classes of
stock or interests of the entity.

         (b) "AWARD" shall mean any stock option, stock appreciation right,
stock award, phantom stock award, performance award, or other stock-based award.

         (c) "BOARD" shall mean the Board of Directors of the Company.

         (d) "CODE" shall mean the Internal Revenue Code of 1986, as amended,
and any regulations promulgated thereunder.

         (e) "COMMON STOCK" shall mean shares of common stock of the Company,
par value of $0.01 per share.

         (f) "FAIR MARKET VALUE" shall mean, with respect to a share of the
Company's Common Stock for any purpose on a particular date, the value
determined by the Administrator in good faith. However, if the Common Stock is
registered under Section 12(b) of the Securities Exchange Act of 1934, as
amended, "FAIR MARKET VALUE" shall mean, as applicable, (i) either the closing
price or the average of the high and low sale price on the relevant date, as
determined in the Administrator's discretion, quoted on the New York Stock
Exchange, the American Stock Exchange, or the Nasdaq National Market; (ii) the
last sale price on the relevant date quoted on the Nasdaq SmallCap Market; (iii)
the average of the high bid and low asked prices on the relevant date quoted on
the Nasdaq OTC Bulletin Board Service or by the National Quotation Bureau, Inc.
or a comparable service as determined in the Administrator's discretion; or (iv)
if the Common Stock is not quoted by any of the above, the average of the
closing bid and asked prices on the relevant date furnished by a professional
market maker for the Common Stock, or by such other source, selected by the
Administrator. If no

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public trading of the Common Stock occurs on the relevant date, then Fair Market
Value shall be determined as of the next preceding date on which trading of the
Common Stock does occur. For all purposes under this Plan, the term "relevant
date" as used in this Section 2.1(f) shall mean either the date as of which Fair
Market Value is to be determined or the next preceding date on which public
trading of the Common Stock occurs, as determined in the Administrator's
discretion.

         (g) "GRANT AGREEMENT" shall mean a written document memorializing the
terms and conditions of an Award granted pursuant to the Plan and shall
incorporate the terms of the Plan.

3.       ADMINISTRATION

         (a) ADMINISTRATION OF THE PLAN. The Plan shall be administered by the
Board or by such committee or committees as may be appointed by the Board from
time to time (the Board, committee or committees hereinafter referred to as the
"Administrator").

         (b) POWERS OF THE ADMINISTRATOR. The Administrator shall have all the
powers vested in it by the terms of the Plan, such powers to include authority,
in its sole and absolute discretion, to grant Awards under the Plan, prescribe
Grant Agreements evidencing such Awards and establish programs for granting
Awards.

         The Administrator shall have full power and authority to take all other
actions necessary to carry out the purpose and intent of the Plan, including,
but not limited to, the authority to: (i) determine the eligible persons to
whom, and the time or times at which Awards shall be granted; (ii) determine the
types of Awards to be granted; (iii) determine the number of shares to be
covered by or used for reference purposes for each Award; (iv) impose such
terms, limitations, restrictions and conditions upon any such Award as the
Administrator shall deem appropriate; (v) modify, amend, extend or renew
outstanding Awards, or accept the surrender of outstanding Awards and substitute
new Awards (provided however, that, except as provided in Section 7(d) of the
Plan, any modification that would materially adversely affect any outstanding
Award shall not be made without the consent of the holder); (vi) accelerate or
otherwise change the time in which an Award may be exercised or becomes payable
and to waive or accelerate the lapse, in whole or in part, of any restriction or
condition with respect to such Award, including, but not limited to, any
restriction or condition with respect to the vesting or exercisability of an
Award following termination of any grantee's employment or other relationship
with the Company; and (vii) establish objectives and conditions, if any, for
earning Awards and determining whether Awards will be paid after the end of a
performance period.

         The Administrator shall have full power and authority, in its sole and
absolute discretion, to administer and interpret the Plan and to adopt and
interpret such rules, regulations, agreements, guidelines and instruments for
the administration of the Plan and for the conduct of its business as the
Administrator deems necessary or advisable.

         (c) NON-UNIFORM DETERMINATIONS. The Administrator's determinations
under the Plan (including without limitation, determinations of the persons to
receive Awards, the form, amount and timing of such Awards, the terms and
provisions of such Awards and the Grant Agreements evidencing such Awards) need
not be uniform and may be made by the Administrator selectively among persons
who receive, or are eligible to receive, Awards under the Plan, whether or not
such persons are similarly situated.

         (d) LIMITED LIABILITY. To the maximum extent permitted by law, no
member of the Administrator shall be liable for any action taken or decision
made in good faith relating to the Plan or any Award thereunder.

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         (e) INDEMNIFICATION. To the maximum extent permitted by law and by the
Company's charter and by-laws, the members of the Administrator shall be
indemnified by the Company in respect of all their activities under the Plan.

         (f) EFFECT OF ADMINISTRATOR'S DECISION. All actions taken and decisions
and determinations made by the Administrator on all matters relating to the Plan
pursuant to the powers vested in it hereunder shall be in the Administrator's
sole and absolute discretion and shall be conclusive and binding on all parties
concerned, including the Company, its stockholders, any participants in the Plan
and any other employee, [consultant,] or director of the Company, and their
respective successors in interest.

4.       SHARES AVAILABLE FOR THE PLAN; MAXIMUM AWARDS

         Subject to adjustments as provided in Section 7(d) of the Plan, the
shares of Common Stock that may be issued with respect to Awards granted under
the Plan shall not exceed an aggregate of 3,877,519 shares. The Company shall
reserve such number of shares for Awards under the Plan, subject to adjustments
as provided in Section 7(d) of the Plan. If any Award, or portion of an Award,
under the Plan expires or terminates unexercised, becomes unexercisable or is
forfeited or otherwise terminated, surrendered or canceled as to any shares, or
if any shares of Common Stock are surrendered to the Company in connection with
any Award (whether or not such surrendered shares were acquired pursuant to any
Award), or if any shares are withheld by the Company, the shares subject to such
Award and the surrendered and withheld shares shall thereafter be available for
further Awards under the Plan; provided, however, that any such shares that are
surrendered to or withheld by the Company in connection with any Award or that
are otherwise forfeited after issuance shall not be available for purchase
pursuant to incentive stock options intended to qualify under Code section 422.

5.       PARTICIPATION

         Participation in the Plan shall be open to all employees, officers, and
directors of the Company, or of any Affiliate of the Company, as may be selected
by the Administrator from time to time.

6.       AWARDS

         The Administrator, in its sole discretion, establishes the terms of all
Awards granted under the Plan. Awards may be granted individually or in tandem
with other types of Awards. All Awards are subject to the terms and conditions
provided in the Grant Agreement. The Administrator may permit or require a
recipient of an Award to defer such individual's receipt of the payment of cash
or the delivery of Common Stock that would otherwise be due to such individual
by virtue of the exercise of, payment of, or lapse or waiver of restrictions
respecting, any Award. If any such payment deferral is required or permitted,
the Administrator shall, in its sole discretion, establish rules and procedures
for such payment deferrals.

         (a) STOCK OPTIONS. The Administrator may from time to time grant to
eligible participants Awards of incentive stock options as that term is defined
in Code section 422 or nonqualified stock options; provided, however, that
Awards of incentive stock options shall be limited to employees of the Company
or of any current or hereafter existing "parent corporation" or "subsidiary
corporation," as defined in Code sections 424(e) and (f), respectively, of the
Company. Options intended to qualify as incentive stock options under Code
section 422 must have an exercise price at least equal to Fair Market Value as
of the date of grant, but nonqualified stock options may be granted with an
exercise price less than Fair Market Value. No stock option shall be an
incentive stock option unless so designated by the Administrator at the time of
grant or in the Grant Agreement evidencing such stock option.

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         (b) STOCK APPRECIATION RIGHTS. The Administrator may from time to time
grant to eligible participants Awards of Stock Appreciation Rights ("SAR"). An
SAR entitles the grantee to receive, subject to the provisions of the Plan and
the Grant Agreement, a payment having an aggregate value equal to the product of
(i) the excess of (A) the Fair Market Value on the exercise date of one share of
Common Stock over (B) the base price per share specified in the Grant Agreement,
times (ii) the number of shares specified by the SAR, or portion thereof, which
is exercised. Payment by the Company of the amount receivable upon any exercise
of an SAR may be made by the delivery of Common Stock or cash, or any
combination of Common Stock and cash, as determined in the sole discretion of
the Administrator. If upon settlement of the exercise of an SAR a grantee is to
receive a portion of such payment in shares of Common Stock, the number of
shares shall be determined by dividing such portion by the Fair Market Value of
a share of Common Stock on the exercise date. No fractional shares shall be used
for such payment and the Administrator shall determine whether cash shall be
given in lieu of such fractional shares or whether such fractional shares shall
be eliminated.

         (c) STOCK AWARDS. The Administrator may from time to time grant
restricted or unrestricted stock Awards to eligible participants in such
amounts, on such terms and conditions, and for such consideration, including no
consideration or such minimum consideration as may be required by law, as it
shall determine. A stock Award may be paid in Common Stock, in cash, or in a
combination of Common Stock and cash, as determined in the sole discretion of
the Administrator.

         (d) PHANTOM STOCK. The Administrator may from time to time grant Awards
to eligible participants denominated in stock-equivalent units ("phantom stock")
in such amounts and on such terms and conditions as it shall determine. Phantom
stock units granted to a participant shall be credited to a bookkeeping reserve
account solely for accounting purposes and shall not require a segregation of
any of the Company's assets. An Award of phantom stock may be settled in Common
Stock, in cash, or in a combination of Common Stock and cash, as determined in
the sole discretion of the Administrator. Except as otherwise provided in the
applicable Grant Agreement, the grantee shall not have the rights of a
stockholder with respect to any shares of Common Stock represented by a phantom
stock unit solely as a result of the grant of a phantom stock unit to the
grantee.

         (e) PERFORMANCE AWARDS. The Administrator may, in its discretion, grant
performance awards which become payable on account of attainment of one or more
performance goals established by the Administrator. Performance awards may be
paid by the delivery of Common Stock or cash, or any combination of Common Stock
and cash, as determined in the sole discretion of the Administrator. Performance
goals established by the Administrator may be based on the Company's or an
Affiliate's operating income or one or more other business criteria selected by
the Administrator that apply to an individual or group of individuals, a
business unit, or the Company or an Affiliate as a whole, over such performance
period as the Administrator may designate.

         (f) OTHER STOCK-BASED AWARDS. The Administrator may from time to time
grant other stock-based awards to eligible participants in such amounts, on such
terms and conditions, and for such consideration, including no consideration or
such minimum consideration as may be required by law, as it shall determine.
Other stock-based awards may be denominated in cash, in Common Stock or other
securities, in stock-equivalent units, in stock appreciation units, in
securities or debentures convertible into Common Stock, or in any combination of
the foregoing and may be paid in Common Stock or other securities, in cash, or
in a combination of Common Stock or other securities and cash, all as determined
in the sole discretion of the Administrator.

7.       MISCELLANEOUS

         (a) WITHHOLDING OF TAXES. Grantees and holders of Awards shall pay to
the Company or its Affiliate, or make provision satisfactory to the
Administrator for payment of, any taxes required to be withheld

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in respect of Awards under the Plan no later than the date of the event creating
the tax liability. The Company or its Affiliate may, to the extent permitted by
law, deduct any such tax obligations from any payment of any kind otherwise due
to the grantee or holder of an Award. In the event that payment to the Company
or its Affiliate of such tax obligations is made in shares of Common Stock, such
shares shall be valued at Fair Market Value on the applicable date for such
purposes.

         (b) LOANS. The Company or its Affiliate may make or guarantee loans to
grantees to assist grantees in exercising Awards and satisfying any withholding
tax obligations.

         (c) TRANSFERABILITY. Except as otherwise determined by the
Administrator, and in any event in the case of an incentive stock option or a
stock appreciation right granted with respect to an incentive stock option, no
Award granted under the Plan shall be transferable by a grantee otherwise than
by will or the laws of descent and distribution. Unless otherwise determined by
the Administrator in accord with the provisions of the immediately preceding
sentence, an Award may be exercised during the lifetime of the grantee, only by
the grantee or, during the period the grantee is under a legal disability, by
the grantee's guardian or legal representative.

         (d) ADJUSTMENTS; BUSINESS COMBINATIONS.

                  (i) Upon a stock dividend of, or stock split or reverse stock
split affecting, the Common Stock of the Company, (A) the maximum number of
shares reserved for issuance or with respect to which Awards may be granted
under the Plan and the maximum number of shares with respect to which Awards may
be granted during any one fiscal year of the Company to any individual, as
provided in Section 4 of the Plan, and (B) the number of shares covered by and
the exercise price and other terms of outstanding Awards, shall, without further
action of the Board, be adjusted to reflect such event unless the Board
determines, at the time it approves such stock dividend, stock split or reverse
stock split, that no such adjustment shall be made. The Administrator may make
adjustments, in its discretion, to address the treatment of fractional shares
and fractional cents that arise with respect to outstanding Awards as a result
of the stock dividend, stock split or reverse stock split.

                  (ii) In the event of any other changes affecting the Company,
the capitalization of the Company or the Common Stock of the Company by reason
of any spin-off, split-up, dividend, recapitalization, merger, consolidation,
business combination or exchange of shares and the like, the Administrator, in
its discretion and without the consent of holders of Awards, shall make: (A)
appropriate adjustments to the maximum number and kind of shares reserved for
issuance or with respect to which Awards may be granted under the Plan, in the
aggregate and with respect to any individual during any one fiscal year of the
Company, as provided in Section 4 of the Plan, and to the number, kind and price
of shares covered by outstanding Awards; and (B) any other adjustments in
outstanding Awards, including but not limited to reducing the number of shares
subject to Awards or providing or mandating alternative settlement methods such
as settlement of the Awards in cash or in shares of Common Stock or other
securities of the Company or of any other entity, or in any other matters which
relate to Awards as the Administrator shall, in its sole discretion, determine
to be necessary or appropriate.

                  (iii) Notwithstanding anything in the Plan to the contrary and
without the consent of holders of Awards, the Administrator, in its sole
discretion, may make any modifications to any Awards, including but not limited
to cancellation, forfeiture, surrender or other termination of the Awards in
whole or in part regardless of the vested status of the Award, in order to
facilitate any business combination that is authorized by the Board to comply
with requirements for treatment as a pooling of interests transaction for
accounting purposes under generally accepted accounting principles.

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                  (iv) The Administrator is authorized to make, in its
discretion and without the consent of holders of Awards, adjustments in the
terms and conditions of, and the criteria included in, Awards in recognition of
unusual or nonrecurring events affecting the Company, or the financial
statements of the Company or any Affiliate, or of changes in applicable laws,
regulations, or accounting principles, whenever the Administrator determines
that such adjustments are appropriate in order to prevent dilution or
enlargement of the benefits or potential benefits intended to be made available
under the Plan and outstanding Awards.

         (e) SUBSTITUTION OF AWARDS IN MERGERS AND ACQUISITIONS. Awards may be
granted under the Plan from time to time in substitution for Awards held by
employees, officers, consultants or directors of entities who become or are
about to become employees, officers, consultants or directors of the Company or
an Affiliate as the result of a merger or consolidation of the employing entity
with the Company or an Affiliate, or the acquisition by the Company or an
Affiliate of the assets or stock of the employing entity. The terms and
conditions of any substitute Awards so granted may vary from the terms and
conditions set forth herein to the extent that the Administrator deems
appropriate at the time of grant to conform the substitute Awards to the
provisions of the awards for which they are substituted.

         (f) TERMINATION, AMENDMENT AND MODIFICATION OF THE PLAN. The Board may
terminate, amend or modify the Plan or any portion thereof at any time.

         (g) NON-GUARANTEE OF EMPLOYMENT OR SERVICE. Nothing in the Plan or in
any Grant Agreement thereunder shall confer any right on an individual to
continue in the service of the Company or shall interfere in any way with the
right of the Company to terminate such service at any time with or without cause
or notice.

         (h) NO TRUST OR FUND CREATED. Neither the Plan nor any Award shall
create or be construed to create a trust or separate fund of any kind or a
fiduciary relationship between the Company and a grantee or any other person. To
the extent that any grantee or other person acquires a right to receive payments
from the Company pursuant to an Award, such right shall be no greater than the
right of any unsecured general creditor of the Company.

         (i) GOVERNING LAW. The validity, construction and effect of the Plan,
of Grant Agreements entered into pursuant to the Plan, and of any rules,
regulations, determinations or decisions made by the Administrator relating to
the Plan or such Grant Agreements, and the rights of any and all persons having
or claiming to have any interest therein or thereunder, shall be determined
exclusively in accordance with applicable federal laws and the laws of the State
of Maryland, without regard to its conflict of laws principles.

         (j) EFFECTIVE DATE; TERMINATION DATE. The Plan is effective as of the
date on which the Plan is adopted by the Board, subject to approval of the
stockholders within twelve months before or after such date. No Award shall be
granted under the Plan after the close of business on the day immediately
preceding the tenth anniversary of the effective date of the Plan, or if
earlier, the tenth anniversary of the date this Plan is approved by the
stockholders. Subject to other applicable provisions of the Plan, all Awards
made under the Plan prior to such termination of the Plan shall remain in effect
until such Awards have been satisfied or terminated in accordance with the Plan
and the terms of such Awards.

Date Approved by the Board: February 4, 2000
                           ---------------------------------

Date Approved by the Stockholders: February 4, 2000
                                  ---------------------------

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                                   APPENDIX A
                       PROVISIONS FOR CALIFORNIA RESIDENTS

With respect to Awards granted to California residents prior to a public
offering of capital stock of the Company that is effected pursuant to a
registration statement filed with, and declared effective by, the Securities and
Exchange Commission under the Securities Act of 1933 and only to the extent
required by applicable law, the following sections shall be substituted for the
sections set forth in the Plan:

1.       ESTABLISHMENT, PURPOSE AND TYPES OF AWARDS

         iSky, Inc., a Maryland corporation (the "Company"), hereby amends and
restates the Sky Alland Research, Inc. Amended and Restated Stock Incentive Plan
(the "Plan"). The purpose of the Plan is to promote the long-term growth and
profitability of the Company by (i) providing key people with incentives to
improve stockholder value and to contribute to the growth and financial success
of the Company, and (ii) enabling the Company to attract, retain and reward the
best-available persons. The Plan is intended to be a written compensatory
benefit plan within the meaning of Rule 701 promulgated under the Securities Act
of 1933, as amended.

         The Plan permits the granting of stock options (including incentive
stock options qualifying under Code section 422 and nonqualified stock options),
restricted or unrestricted stock awards or any combination of the foregoing.

6.       AWARDS

         The Administrator, in its sole discretion, establishes the terms of all
Awards granted under the Plan. Awards may be granted individually or in tandem
with other types of Awards. All Awards are subject to the terms and conditions
provided in the Grant Agreement.

         (a) STOCK OPTIONS. The Administrator may from time to time grant to
eligible participants Awards of incentive stock options as that term is defined
in Code section 422 or nonqualified stock options; provided, however, that
Awards of incentive stock options shall be limited to employees of the Company
or of any Parent or Subsidiary of the Company. No stock option shall be an
incentive stock option unless so designated by the Administrator at the time of
grant or in the Grant Agreement evidencing such stock option.

                  (i) EXERCISE PRICE. Options intended to qualify as incentive
stock options under Code section 422 must have an exercise price at least equal
to Fair Market Value on the date of grant; PROVIDED, HOWEVER, THAT the exercise
price of any incentive stock option granted to a person who directly or by
attribution owns more than ten percent (10%) of the total combined voting power
of all classes of stock of the Company or any Parent or Subsidiary of the
Company (a "Ten Percent Stockholder") must not be less than one hundred ten
percent (110%) of the Fair Market Value on the date of grant. The exercise price
of a nonqualified stock option granted to anyone other than a Ten Percent
Stockholder must not be less than eighty-five percent (85%) of the Fair Market
Value on the date of grant, and the exercise price of a nonqualified stock
option granted to a Ten Percent Stockholder must not be less than one hundred
ten percent (110%) of the Fair Market Value on the date of grant.

                   (ii) EXERCISE PERIOD. No option will be exercisable after the
expiration of ten (10) years from the date the option is granted. Subject to
earlier termination of the option as provided herein, each optionee who is not
an officer, director or consultant of the Company or of a Parent or Subsidiary
of the Company shall have

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the right to exercise an option granted hereunder at the rate of no less than
twenty percent (20%) per year over five (5) years from the date such option is
granted.

         (b) STOCK AWARDS. The Administrator may from time to time grant
restricted or unrestricted stock Awards to eligible participants in such amounts
and on such terms and conditions as it shall determine. The purchase price of
shares sold pursuant to a restricted or unrestricted stock Award shall be at
least eighty-five percent (85%) of the Fair Market Value on the date of grant or
at the time the purchase is consummated; provided, however, that the purchase
price of shares sold to a Ten Percent Stockholder must be at least one hundred
percent (100%) of the Fair Market Value on the date of grant or at the time the
purchase is consummated.

7.       MISCELLANEOUS

         (a)      [SAME AS PLAN]

         (b)      [SAME AS PLAN]

         (c) TRANSFERABILITY. No Award granted under the Plan shall be
transferable by a grantee otherwise than by will or the laws of descent and
distribution. An Award may be exercised during the lifetime of the grantee, only
by the grantee or, during the period the grantee is under a legal disability, by
the grantee's guardian or legal representative.

         (d)      [SAME AS PLAN]

         (e)      [SAME AS PLAN]

         (f)      [SAME AS PLAN]

         (g)      [SAME AS PLAN]

         (h)      [SAME AS PLAN]

         (i) COMPLIANCE WITH SECURITIES LAWS; LISTING AND REGISTRATION. This
Plan is intended to comply with Section 25102(o) of the California Corporations
Code. Any provision of this Plan which is inconsistent with Section 25102(o),
including without limitation any provision of this Plan that is more restrictive
than would be permitted by Section 25102(o) as amended from time to time, shall,
without further act or amendment by the Administrator, be reformed to comply
with the requirements of Section 25102(o). If at any time the Administrator
determines that the delivery of Common Stock under the Plan is or may be
unlawful under the laws of any applicable jurisdiction, or federal or state
securities laws, the right to exercise an Award or receive shares of Common
Stock pursuant to an Award shall be suspended until the Administrator determines
that such delivery is lawful. The Company shall have no obligation to effect any
registration or qualification of the Common Stock under federal or state laws.

         The Company may require that a grantee, as a condition to exercise of
an Award, and as a condition to the delivery of any share certificate, make such
written representations (including representations to the effect that such
person will not dispose of the Common Stock so acquired in violation of federal
or state securities laws) and furnish such information as may, in the opinion of
counsel for the Company, be appropriate to permit the Company to issue the
Common Stock in compliance with applicable federal and state securities laws.
The stock certificates for any shares of Common Stock issued pursuant to this
Plan may bear a legend restricting

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transferability of the shares of Common Stock unless such shares are registered
or an exemption from registration is available under the Securities Act of 1933,
as amended, and applicable state securities laws.

         (j)      [SAME AS PLAN]

         (k)      [SAME AS PLAN]

         (l)      [SAME AS PLAN]

         (m) FINANCIAL STATEMENTS. The Company will provide financial statements
to each Award recipient annually during the period such individual has Awards
outstanding, or as otherwise required under Section 260.140.46 of Title 10 of
the California Code of Regulations. Notwithstanding the foregoing, the Company
will not be required to provide such financial statements to Award recipients
when issuance is limited to key employees whose services in connection with the
Company assure them access to equivalent information.

         (n) VOTING RIGHTS. The Company will comply with Section 260.140.1 of
Title 10 of the California Code of Regulations with respect to the voting rights
of Common Stock.

8.       TERMINATION OF EMPLOYMENT OR SERVICE.

         (a) EXERCISE PERIOD FOLLOWING CESSATION OF EMPLOYMENT OR SERVICE, IN
GENERAL. If an optionee's employment or other service relationship with the
Company is terminated voluntarily by the optionee for any reason (excluding
death or total and permanent disability (as defined in Section 8(b) below)), (i)
the optionee's stock options granted hereunder shall terminate immediately upon
such cessation of relationship to the extent of any unvested shares and (ii) the
optionee's stock options granted hereunder shall be exercisable during the
30-day period, or such longer period as may be specified in the relevant grant
agreement, following such cessation of relationship with respect to any vested
shares, but in no event after the expiration date. Unless sooner terminated,
stock options granted hereunder shall terminate upon the expiration of such
30-day or longer-specified period, as applicable.

         If the optionee's employment or other service relationship with the
Company is terminated involuntarily by the Company for any reason other than
death, total and permanent disability (as defined in Section 8(b) below) or
discharge for "Cause" (as defined in Section 8(d) below), (i) the optionee's
stock options granted hereunder shall terminate immediately upon such cessation
of relationship to the extent of any unvested shares and (ii) the optionee's
stock options granted hereunder shall be exercisable during the 90-day period,
or such longer period as may be specified in the relevant grant agreement,
following such cessation of relationship with respect to any vested shares, but
in no event after the expiration date. Unless sooner terminated, stock options
granted hereunder shall terminate upon the expiration of such 90-day or
longer-specified period, as applicable.

         (b) DISABILITY OF OPTIONEE. Notwithstanding the provisions of Section
8(a) above, if the optionee ceases his employment or other service relationship
with the Company as a result of his or her total and permanent disability, (i)
the optionee's stock options granted hereunder shall terminate immediately upon
such cessation to the extent of any unvested shares and (ii) the optionee's
stock options granted hereunder shall be exercisable during the 180-day period,
or such longer period as may be specified in the relevant grant agreement,
following such cessation with respect to any vested shares, but in no event
after the expiration date. Unless sooner terminated, stock options granted
hereunder shall terminate upon the expiration of such 180-day or
longer-specified period, as applicable.

                  For purposes of this Plan, "total and permanent disability"
shall mean the inability to engage in any substantial gainful activity by reason
of any medically determinable physical or mental impairment which

                                      -9-
<PAGE>

can be expected to result in death or which has lasted or can be expected to
last for a continuous period of not less than twelve months. The Administrator
may require such proof of total and permanent disability as the Administrator in
its sole discretion deems appropriate and the Administrator's good faith
determination as to whether the optionee is totally and permanently disabled
shall be final and binding on all parties concerned.

         (c) DEATH OF OPTIONEE. If the optionee dies prior to the expiration
date or other termination of a stock option granted hereunder, (i) the
optionee's stock options granted hereunder shall terminate immediately upon the
optionee's death to the extent of any unvested shares and (ii) the optionee's
stock options granted hereunder shall be exercisable during the one-year period
following the death of the optionee with respect to any vested shares, but in no
event after the expiration date, by the optionee's executor, personal
representative, or the person(s) to whom the option is transferred by will or
the laws of descent and distribution. Unless sooner terminated, the optionee's
stock options granted hereunder shall terminate upon the expiration of such
one-year period.

         (d) CAUSE. Notwithstanding anything to the contrary herein, an
optionee's stock options granted hereunder shall terminate in their entirety,
regardless of whether such options are vested in whole or in part, immediately
upon the optionee's discharge of employment or other service relationship by the
Company for Cause. For purposes of this Agreement, if the optionee is a party to
a written employment agreement or other service agreement with the Company which
contains a definition of "cause", "termination for cause" or any other similar
term or phrase, whether the optionee is terminated for Cause pursuant to this
Section 8 shall be determined according to the terms of and in a manner
consistent with the provisions of such written agreement. If the optionee is not
party to such a written employment agreement or other service agreement with the
Company, then for purposes of this Section 8, "Cause" shall mean (i) conviction
of, or plea of nolo contendere to, a felony or crime involving moral turpitude;
(ii) fraud on or misappropriation of any funds or property of the Company; (iii)
personal dishonesty, incompetence, willful misconduct, willful violation of any
law, rule or regulation (other than minor traffic violations or similar
offenses) or breach of fiduciary duty which involves personal profit; (iv)
willful misconduct in connection with the optionee's duties or willful failure
to perform his responsibilities in the best interests of the Company; (v) breach
of any provision of any employment, non-disclosure, non-competition,
non-solicitation or other similar agreement executed by the optionee for the
benefit of the Company. The good faith determination by the Administrator of
whether the optionee's employment or other service relationship was terminated
by the Company for Cause shall be final and binding for all purposes hereunder.

9.       COMPANY'S REPURCHASE OPTION.

         At the discretion of the Administrator, the Company may reserve to
itself and/or its assignee(s) in the Grant Agreement or Stock Restriction
Agreement a right to repurchase shares held by an Award recipient following such
Award recipient's termination at any time within ninety (90) days after such
Award recipient's termination date (or in the case of securities issued upon
exercise of an option after the termination date, within ninety (90) days after
the date of such exercise) for cash and/or cancellation of purchase money
indebtedness, at: (A) with respect to vested shares, the Fair Market Value of
such shares on the Award recipient's termination date, PROVIDED, that such right
to repurchase vested shares terminates when the Company's securities become
publicly traded; or (B) with respect to unvested shares, the Award recipient's
exercise price, PROVIDED, that to the extent the Award recipient is not an
officer, director or consultant of the Company or of a Parent or Subsidiary of
the Company such right to repurchase unvested shares at the exercise price
lapses at the rate of at least twenty percent (20%) per year over five (5) years
from the date of grant of the option.

                                      -10-<PAGE>

                                                                    Exhibit 10.6

                                   iSKY, INC.
                          EMPLOYEE STOCK PURCHASE PLAN

         The iSky, Inc. Employee Stock Purchase Plan (the "PLAN") provides
eligible employees of iSky, Inc., Inc., a Delaware corporation (the "COMPANY"),
and certain of its subsidiaries with opportunities to purchase shares of the
Company's Common Stock, $0.01 par value per share (the "COMMON STOCK"). The Plan
is intended to benefit the Company by increasing the employees' interest in the
Company's growth and success and encouraging employees to remain in the employ
of the Company or its participating subsidiaries. The Plan is intended to
constitute an "employee stock purchase plan" within the meaning of section 423
of the Internal Revenue Code of 1986, as amended (the "CODE"), and shall be so
applied and interpreted.

         1. SHARES SUBJECT TO THE PLAN. Subject to adjustment as provided in
Section 13, the aggregate number of shares of Common Stock that may be made
available for purchase under the Plan is 1,388,760 shares. The shares purchased
under the Plan may, in the discretion of the Board of Directors of the Company
(the "BOARD"), be authorized but unissued shares of Common Stock, shares
purchased on the open market, or shares from any other proper source.

         2. ADMINISTRATION. The Plan is administered by the Board or by a
committee appointed by the Board (the "ADMINISTRATOR"). The Administrator has
authority to interpret the Plan, to make, amend and rescind all rules and
regulations for the administration and operation of the Plan, and to make all
other determinations necessary or desirable in administering and operating the
Plan. All actions taken and decisions and determinations made by the
Administrator pursuant to the powers vested in the Administrator under this Plan
shall be in the Administrator's sole and absolute discretion and shall be
conclusive and binding on all parties concerned. No member of the Administrator
shall be liable for any action or determination made in good faith with respect
to the Plan.

         3. ELIGIBILITY. All employees of the Company, including directors who
are employees, and all employees of any subsidiary of the Company (as defined in
Code section 424(f)), now or hereafter existing, that is designated by the
Administrator from time to time as a participating employer under the Plan
("DESIGNATED SUBSIDIARY"), are eligible to participate in the Plan, subject to
such further eligibility requirements as may be specified by the Administrator
consistent with Code section 423.

         4. OPTIONS TO PURCHASE COMMON STOCK.

         (a) Options ("OPTIONS") are granted pursuant to the Plan to each
eligible employee on the first day on which the National Association of
Securities Dealers Automated Quotation ("NASDAQ") system is open for trading
("TRADING DAY") on or after January 1 of each year commencing on or after the
Effective Date (as defined in Section 18), or such other date coincident with or
after the Effective Date as specified by the Administrator. Each Option
terminates on the last Trading Day of a period specified by the Administrator
(each period, an "OPTION PERIOD"). No Option Period may be longer than 27
months. Unless the Administrator determines otherwise, subsequent Option Periods
of equal duration will follow consecutively thereafter, each commencing on the
first Trading Day after the expiration of the preceding Option Period.

         (b) An individual must be employed as an eligible employee by the
Company or a Designated Subsidiary on the first Trading Day of an Option Period
in order to be granted an Option for that Option Period. However, the
Administrator may designate any subsequent Trading Day(s) (each

<PAGE>

such designated Trading Day referred to herein as an "INTERIM TRADING DAY") in
an Option Period upon which Options will be granted to eligible employees who
first commence employment with, or first become eligible employees of, the
Company or a Designated Subsidiary after the first Trading Day of the Option
Period. In such event, the Interim Trading Day shall constitute the first
Trading Day of the Option Period for all Options granted on such day for all
purposes under the Plan.

         (c) Each Option represents a right to purchase, on the last Trading Day
of the Option Period or one or more Trading Days within the Option Period
designated by the Administrator (each, including the last Trading Day of the
Option Period, a "PURCHASE DATE"), at the Purchase Price hereinafter provided
for, whole shares of Common Stock up to such maximum number of shares specified
by the Administrator on or before the first day of the Option Period. All
eligible employees granted Options under the Plan for an Option Period shall
have the same rights and privileges with respect to such Options. The purchase
price of each share of Common Stock (the "PURCHASE PRICE") subject to an Option
will be determined by the Administrator, in its discretion, on or before the
beginning of the Option Period; provided, however, that the Purchase Price for
an Option with respect to any Option Period shall never be less than the lesser
of 85 percent of the Fair Market Value of the Common Stock on the (i) first
Trading Day of the Option Period or (ii) the Purchase Date, and shall never be
less than the par value of the Common Stock.

         (d) For purposes of the Plan, "FAIR MARKET VALUE" on a Trading Day
means the average of the high and low sale prices per share of Common Stock as
reflected on the principal consolidated transaction reporting system for
securities listed on any national securities exchange or other market quotation
system on which the Common Stock may be principally listed or quoted or, if
there are no transactions on a Trading Day, then such average for the preceding
Trading Day upon which transactions occurred. However, for the Trading Day that
occurs on the date of the initial public offering of the Common Stock, "Fair
Market Value" shall mean the initial offering price of the Common Stock to the
public as indicated in the Company's final prospectus in connection with such
offering and as such price is negotiated between the Company and the managing
underwriters.

         (e) No employee shall be granted an Option under this Plan if such
employee, immediately after the Option would otherwise be granted, would own 5%
or more of the total combined voting power or value of the stock of the Company
or any subsidiary. For purposes of the preceding sentence, the attribution rules
of Code section 424(d) will apply in determining the stock ownership of an
employee, and all stock which the employee has a contractual right to purchase
will be treated as stock owned by the employee.

         (f) No employee may be granted an Option which permits his rights to
purchase Common Stock under this Plan and all other stock purchase plans of the
Company and its subsidiaries to accrue at a rate which exceeds $25,000 of the
fair market value of such Common Stock (determined at the time such Option is
granted) for each calendar year in which the Option is outstanding at any time,
as required by Code section 423.

         5. PAYROLL DEDUCTIONS AND CASH CONTRIBUTIONS.

         To facilitate payment of the Purchase Price of Options, the
Administrator, in its discretion, may permit eligible employees to authorize
payroll deductions to be made on each payday during the Option Period, and/or to
contribute cash or cash-equivalents to the Company, up to a maximum amount
determined by the Administrator. The Company will maintain bookkeeping accounts
for all employees who authorize payroll deduction or make cash contributions.
Interest will not be paid on any employee

                                      -2-
<PAGE>

accounts, unless the Administrator determines otherwise. The Administrator shall
establish rules and procedures, in its discretion, from time to time regarding
elections to authorize payroll deductions, changes in such elections, timing and
manner of cash contributions, and withdrawals from employee accounts. Amounts
credited to employee accounts as of the Purchase Date will be applied to the
payment of the Purchase Price of outstanding Options pursuant to Section 6
below.

         6. EXERCISE OF OPTIONS; PURCHASE OF COMMON STOCK. Options shall be
exercised on the close of business on the Purchase Date. In accordance with
rules established by the Administrator, the Purchase Price of Common Stock
subject to an option shall be paid (i) from funds credited to an eligible
employee's account, (ii) by a broker-assisted cashless exercise in accordance
with Regulation T of the Board of Governors of the Federal Reserve System, or
(iii) by such other method as the Administrator shall determine from time to
time. Options shall be exercised only to the extent the Purchase Price is paid
with respect to whole shares of Common Stock. Any balance remaining in an
employee's account on the Purchase Date after such purchase of Common Stock will
be carried forward automatically into the employee's account for the next
Purchase Date, unless the employee is not an eligible employee with respect to
the next Purchase Date, in which case such amount will be promptly refunded.

         7. ISSUANCE OF CERTIFICATES. As soon as practicable following each
Purchase Date, certificates representing shares of Common Stock purchased under
the Plan will be issued only in the name of the employee, in the name of the
employee and another person of legal age as joint tenants with rights of
survivorship, or (in the Administrator's sole discretion) in the street name of
a brokerage firm, bank or other nominee holder designated by the employee or the
Administrator.

         8. RIGHTS ON RETIREMENT, DEATH, TERMINATION OF EMPLOYMENT, OR
TERMINATION OF STATUS AS ELIGIBLE EMPLOYEE. In the event of an employee's
termination of employment or termination of status as an eligible employee prior
to the Purchase Date (whether as a result of the employee's voluntary or
involuntary termination, retirement, death or otherwise), any outstanding Option
granted to him will immediately terminate, no further payroll deduction will be
taken from any pay due and owing to the employee and the balance in the
employee's account will be paid to the employee or, in the event of the
employee's death, (a) to the executor or administrator of the employee's estate
or (b) if no such executor or administrator has been appointed to the knowledge
of the Administrator, to such other person(s) as the Administrator may, in its
discretion, designate. If, prior to the Purchase Date, the Designated Subsidiary
by which an employee is employed will cease to be a subsidiary of the Company,
or if the employee is transferred to a subsidiary of the Company that is not a
Designated Subsidiary, the employee will be deemed to have terminated employment
for the purposes of this Plan.

         9. OPTIONEES NOT STOCKHOLDERS. Neither the granting of an Option to an
employee nor the deductions from his pay will constitute such employee a
stockholder of the shares of Common Stock covered by an Option under this Plan
until such shares have been purchased by and issued to him.

         10. OPTIONS NOT TRANSFERABLE. Options under this Plan are not
transferable by a participating employee other than by will or the laws of
descent and distribution, and are exercisable during the employee's lifetime
only by the employee.

         11. WITHHOLDING OF TAXES. To the extent that a participating employee
realizes ordinary income in connection with the purchase, sale or other transfer
of any shares of Common Stock purchased under the Plan or the crediting of
interest to the employee's account, the Company may withhold amounts needed to
cover such taxes from any payments otherwise due and owing to the participating
employee or from shares that would otherwise be issued to the participating
employee hereunder. Any participating

                                      -3-
<PAGE>

employee who sells or otherwise transfers shares purchased under the Plan must,
within 30 days of such sale or transfer, notify the Company in writing of the
sale or transfer.

         12. APPLICATION OF FUNDS. All funds received or held by the Company
under the Plan may be used for any corporate purpose until applied to the
purchase of Common Stock and/or refunded to participating employees and can be
commingled with other general corporate funds. Participating employees' accounts
will not be segregated.

         13. EFFECT OF CHANGES IN CAPITALIZATION.

         (a) CHANGES IN STOCK. If the number of outstanding shares of Common
Stock is increased or decreased or the shares of Common Stock are changed into
or exchanged for a different number or kind of shares or other securities of the
Company by reason of any recapitalization, reclassification, stock split,
reverse split, combination of shares, exchange of shares, stock dividend, or
other distribution payable in capital stock, or other increase or decrease in
such shares effected without receipt of consideration by the Company occurring
after the Effective Date of the Plan, the number and kind of shares that may be
purchased under the Plan shall be adjusted proportionately and accordingly by
the Company. In addition, the number and kind of shares for which Options are
outstanding shall be similarly adjusted so that the proportionate interest, if
any, of a participating employee immediately following such event shall, to the
extent practicable, be the same as immediately prior to such event. Any such
adjustment in outstanding Options shall not change the aggregate Purchase Price
payable by a participating employee with respect to shares subject to such
Options, but shall include a corresponding proportionate adjustment in the
Purchase Price per share.

         (b) REORGANIZATION IN WHICH THE COMPANY IS THE SURVIVING COMPANY.
Subject to Subsection (c) of this Section 13, if the Company shall be the
surviving corporation in any reorganization, merger or consolidation of the
Company with one or more other corporations, all outstanding Options under the
Plan shall pertain to and apply to the securities to which a holder of the
number of shares of Common Stock subject to such Options would have been
entitled immediately following such reorganization, merger or consolidation,
with a corresponding proportionate adjustment of the Purchase Price per share so
that the aggregate Purchase Price thereafter shall be the same as the aggregate
Purchase Price of the shares subject to such Options immediately prior to such
reorganization, merger or consolidation.

         (c) REORGANIZATION IN WHICH THE COMPANY IS NOT THE SURVIVING COMPANY OR
SALE OF ASSETS OR STOCK. Upon any dissolution or liquidation of the Company, or
upon a merger, consolidation or reorganization of the Company with one or more
other corporations in which the Company is not the surviving corporation, or
upon a sale of all or substantially all of the assets of the Company to another
corporation, or upon any transaction (including, without limitation, a merger or
reorganization in which the Company is the surviving corporation) approved by
the Board that results in any person or entity owning more than 50 percent of
the combined voting power of all classes of stock of the Company, the Plan and
all Options outstanding hereunder shall terminate, except to the extent
provision is made in writing in connection with such transaction for the
continuation of the Plan and/or the assumption of the Options theretofore
granted, or for the substitution for such Options of new Options covering the
stock of a successor corporation, or a parent or subsidiary thereof, with
appropriate adjustments as to the number and kinds of shares and exercise
prices, in which event the Plan and Options theretofore granted shall continue
in the manner and under the terms so provided. In the event of any such
termination of the Plan, the Option Period shall be deemed to have ended on the
last Trading Day prior to such termination, and, unless the Administrator
determines otherwise in its discretion, each participating employee shall have
the

                                      -4-
<PAGE>

ability to choose either to (i) have all monies then credited to such employee's
account (including interest, to the extent any has accrued) returned to such
participating employee or (ii) exercise his Options in accordance with Section 6
on such last Trading Day; provided, however, that if a participating employee
does not exercise his right of choice, his Options shall be deemed to have been
automatically exercised in accordance with Section 6 on such last Trading Day.
The Administrator shall send written notice of an event that will result in such
a termination to all participating employees not later than the time at which
the Company gives notice thereof to its stockholders.

         (d) ADJUSTMENTS. Adjustments under this Section 13 related to stock or
securities of the Company shall be made by the Committee, whose determination in
that respect shall be final, binding, and conclusive.

         (e) NO LIMITATIONS ON COMPANY. The grant of an Option pursuant to the
Plan shall not affect or limit in any way the right or power of the Company to
make adjustments, reclassifications, reorganizations or changes of its capital
or business structure or to merge, consolidate, dissolve or liquidate, or to
sell or transfer all or any part of its business or assets.

         14. AMENDMENT OF THE PLAN. The Board may at any time, and from time to
time, amend this Plan in any respect, except that (a) if the approval of any
such amendment by the stockholders of the Company is required by Code section
423, such amendment will not be effected without such approval, and (b) in no
event may any amendment be made which would cause the Plan to fail to comply
with Code section 423 unless expressly so provided by the Board.

         15. INSUFFICIENT SHARES. In the event that the total number of shares
of Common Stock specified in elections to be purchased under any Option plus the
number of shares purchased under all Options previously granted under this Plan
exceeds the maximum number of shares issuable under this Plan, the Administrator
will allot the shares then available on a pro rata basis. Any funds then
remaining in a participating employee's account after purchase of the employee's
pro-rata number of shares will be refunded.

         16. TERMINATION OF THE PLAN. This Plan may be terminated at any time by
the Board. Except as otherwise provided in Section 13(c) hereof, upon
termination of this Plan all outstanding Options shall immediately terminate and
amounts in the employees' accounts will be promptly refunded.

         17. GOVERNMENTAL REGULATIONS.

         (a) The Company's obligation to sell and deliver Common Stock under
this Plan is subject to listing on a national stock exchange or quotation on
Nasdaq and the approval of all governmental authorities required in connection
with the authorization, issuance or sale of such stock.

         (b) The Plan will be governed by the laws of the State of Delaware,
without regard to the conflict of laws principles thereof, except to the extent
that such law is preempted by federal law.

         18. EFFECTIVE DATE. The Plan is effective as of January 1, 2000 (the
"EFFECTIVE DATE"), subject to the approval of the stockholders of the Company
within 12 months of the Effective Date.

                                      -5-

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