Document:

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                                    e-PROFILE
                         STOCK OPTION GRANT CERTIFICATE

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

<TABLE>

<S>                                                                     <C>
Grant Date:                                                             Grantee hereby acknowledges receipt of a copy of the
                                                                        Plan, represents that Grantee has read the Plan and
                                                                        understands the terms and provisions of the Plan, and
                                                                        accepts this Option subject to all the terms and
Type of Option:  Non-Qualified Stock Option                             conditions of the Plan and this Stock Option Grant
                                                                        Certificate. Grantee acknowledges that the grant and
                                                                        exercise of this Option, and the sale of Shares
                                                                        obtained through the exercise of this Option, may
Shares Subject to Option:  FIELD (Number)                               have tax implications that could result in adverse
                                                                        tax consequences to the Grantee and that Grantee is
                                                                        not relying on the Company for any tax, financial or
                                                                        legal advice and will consult a tax adviser prior to
Exercise Price Per Share:  $                                            such exercise or disposition.

</TABLE>

<TABLE>

<S>                                                                     <C>
Shares subject to issuance under this Option do not                     This Option is not intended to constitute an incentive
vest until the first anniversary of the grant, and                      stock option under Section 422 of the Internal Revenue Code
then shall be eligible for exercise according to the                    of 1986, as amended (the "Code").
following vesting schedule:

</TABLE>

<TABLE>

<S>                                                                     <C>
___________________________ 33 1/3%
___________________________ 66 2/3%                                     ________________________________________
___________________________ 100%                                        FIELD (Name)

</TABLE>

In witness whereof, this Stock Option Grant Certificate has been executed by the
Company by a duly authorized officer as of the date specified hereon.

e-PROFILE, Inc.

By: _________________________________________

<PAGE>

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

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

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

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

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

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

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

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

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

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

<PAGE>

In this Section 1.

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

2. EXERCISE PROCEDURES.

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

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

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

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

<PAGE>

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

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

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

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

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

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

<PAGE>

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

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

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

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

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

                                 e-PROFILE, INC.
                          1999 EQUITY COMPENSATION PLAN

                    STOCK PURCHASE AND RESTRICTION AGREEMENT

                  This STOCK PURCHASE AND RESTRICTION AGREEMENT (the
"AGREEMENT") is made this _____ day of ____________, ____, by and between
e-PROFILE, INC. (the "COMPANY"), and ______________________ ("OPTIONEE"). For
purposes of this Agreement, the Optionee includes the person to whom the
option was originally granted, as well as any person or entity who acquired
the right to exercise the Option pursuant to the terms of the e-PROFILE, INC.
1999 EQUITY COMPENSATION PLAN (the "PLAN").

                            BACKGROUND OF AGREEMENT:

                  1.       Optionee was granted an Option (the "OPTION") on
________________, ____ pursuant to the Plan. The terms and conditions of the
Plan are incorporated in this Agreement by reference. Capitalized terms used but
not otherwise defined in this Agreement shall have the meanings given to them in
the Plan.

                  2.       Pursuant to the Option, Optionee was granted the
right to purchase _____________ shares of the Company's Stock, as adjusted in
accordance with the Plan (the "OPTIONED SHARES"). The Option is evidenced by a
Stock Option agreement (the "OPTION AGREEMENT").

                  3.       Optionee has elected to exercise the Option to
purchase ________ of such Optioned Shares (the "SHARES").

                  4.       The Plan and the Option Agreement require that, as a
condition to Optionee's exercise of the Option, Optionee must execute this
Agreement.

                                   * * * * * *

                  1.       EXERCISE OF OPTION. Optionee hereby exercises all or
a portion of his or her Option to purchase _________ Shares at an exercise price
of $______ per Share.

<PAGE>

                  2.       TRANSFER RESTRICTIONS.

                           (a)      The Optionee shall not sell, assign,
transfer, pledge, hypothecate, mortgage, encumber or otherwise dispose of all or
any of his or her Shares except as otherwise expressly provided in this
Agreement.

                           (b)      The Optionee may transfer all or any of his
or her Shares (i) by way of gift to his or her spouse, parents, siblings, or
lineal descendants of the Optionee or to any trust for the exclusive benefit of
any such family member or the Optionee, provided that any such transferee shall
agree in writing with the Company, prior to, and as a condition precedent to
such transfer, to be bound by all of the provisions of this Agreement to the
same extent as if the transferee were the Optionee, or (ii) by will or the laws
of descent and distribution, in which event each such transferee shall be bound
by all of the provisions of this Agreement to the same extent as if such
transferee were the Optionee.

                           (c)      Any purported transfer in violation of the
provisions of this Agreement shall be void.

                  3.       TERMINATION OF SERVICE.

                           (a)      If the Optionee's service with the Employer
terminates for any reason, the Company (which term, for purposes of this Section
3, includes the designees of the Company) shall have the right to purchase all
of the Shares owned by the Optionee. (As defined in more detail in the Plan,
"Employer" includes the Company and any entity that controls, is controlled by,
or is under common control with the Company. "Control" for purposes of the
preceding sentence constitutes ten percent (10%) or greater ownership of voting
securities of the Company.) If the Company exercises its purchase right pursuant
to subparagraphs (c), (d) and (e) below, then, except as specified otherwise by
Section 13(h) of the Agreement, the Optionee shall sell all of the Shares owned
by the Optionee to the Company at a purchase price per Share equal to the Fair
Market Value per Share as at the date of termination.

                           (b)      If the Optionee does not exercise the Option
until after the Optionee's termination of service with the Employer (or if the
Optionee is not the original grantee, then if the Option is exercised after the
original grantee's termination of service with the Employer), the Company will
have the right to purchase all of the Shares owned by the Optionee. If the
Company exercises its repurchase right pursuant to subparagraphs (c), (d) and
(e) below, the Optionee shall sell all of the Shares owned by the Optionee to
the Company at a purchase price per Share equal to the Fair Market Value per
Share as at the date of exercise.

                           (c)      In order to exercise the option to purchase
Optionee's Shares under this Section 3, the Company must deliver a written
notice to the Stockholder indicating its election to purchase the Shares and
specifying the number of Shares which the Company elects to purchase and the
purchase price for the Shares.

<PAGE>

                           (d)      If the Company elects not to exercise its
rights pursuant to this Section 3 or if the Company is legally prohibited from
or unable to repurchase the Shares during the period referred to below, then the
Company shall notify the Optionee and each designee of the Company, if any,
within the 60-day period following (i) with respect to a repurchase pursuant to
Section 3(a), the termination of service of the Optionee or (ii) with respect to
a repurchase pursuant to Section 3(b), the date of exercise of the Option. The
designees shall have the right, during the 30-day period following the Company's
notice, to purchase the number of Shares as the Company designates, on the same
terms and conditions as were applicable to the Company. The designee's right
shall be exercised by giving written notice of acceptance to the Company
specifying the number of Shares which such designee elects to purchase and the
purchase price for such Shares.

                           (e)      The repurchase of Shares shall be made on a
date selected by the Company, within ninety (90) days after (i) with respect to
a repurchase pursuant to Section 3(a), the termination of service or (ii) with
respect to a repurchase pursuant to Section 3(b), the date of exercise of the
Option. The repurchase will be effected by delivery of payment to the Optionee,
by check or wire transfer, against receipt of one or more Certificates, properly
endorsed, evidencing the Optionee's Shares to be so repurchased.

                           (f)      At the option of the Company, any purchaser
of Shares pursuant to Section 3 which is not the Company shall agree in writing,
in advance, to be bound by and comply with all applicable provisions of this
Agreement.

                  4.       RIGHT OF FIRST REFUSAL ON DISPOSITIONS.

                           (a)      If at any time the Optionee desires to sell
all or any part of his or her Shares pursuant to a bona fide offer from a third
party (the "PROPOSED TRANSFEREE"), then the Optionee shall submit a written
offer (the "OFFER") to sell such Shares (the "OFFERED SHARES") to the Company or
any entity or person designated by the Company ("DESIGNEE"). The Offer shall be
on terms and conditions, including price, not less favorable to the Company or
its designee than those on which the Optionee proposes to sell such Offered
Shares to the Proposed Transferee. The Offer shall disclose the identity of the
Proposed Transferee, the number of Offered Shares proposed to be sold, the total
number of Shares owned by the Optionee, the terms and conditions, including
price, of the proposed sale, and any other material facts relating to the
proposed sale. The Offer shall state that the Company or its designee may
acquire, in accordance with the provisions of this Agreement, all or any portion
of the Offered Shares for the price and upon the other terms and conditions set
forth therein.

                           (b)      If the Company (or its designee, if one
exists) desires to purchase all or any part of the Offered Shares, then the
Company or its designee shall communicate in writing its election to purchase
(an "ACCEPTANCE") to the Optionee. The Acceptance shall state the number of
Offered Shares the Company or its designee desires to purchase and shall be
given to the Optionee within thirty (30) days after the date the Offer was made
to the Company. The

<PAGE>

Acceptance shall, when taken in conjunction with the Offer, be deemed to
constitute a valid, legally binding and enforceable agreement for the sale and
purchase of such Offered Shares. Sales of the Offered Shares to be sold to the
Company or its designee pursuant to this Section 4 shall be made at the offices
of the Company on the 45th day following the date the Offer was made (or if the
45th day is not a business day, then on the next succeeding business day). The
sales shall be effected by the Optionee's delivery to the Company of a
Certificate or Certificates evidencing the Offered Shares to be purchased by the
Company or its designee, duly endorsed for transfer to the Company or its
designee, as the case may be, which Shares shall be delivered free and clear of
all liens, charges, claims, and encumbrances of any nature whatsoever, against
payment to the Optionee of the purchase price therefor by the Company or its
designee, as the case may be.

                           (c)      If the Company or its designee does not
purchase all of the Offered Shares, then the Offered Shares not purchased by the
Company or its designee may be sold by the Optionee at any time within ninety
(90) days after the date the Offer was made to the Company. Any such sale shall
be to the Proposed Transferee, at not less than the price and upon other terms
and conditions, if any, not more favorable to the Proposed Transferee than those
specified in the Offer. Any Offered Shares not sold within such 90-day period
shall continue to be subject to the requirements of a prior offer pursuant to
this Section 4.

                  5.       FAILURE TO DELIVER SHARES. If the Optionee becomes
obligated to sell any Shares to the Company or its designee under this Agreement
and fails to deliver such Shares in accordance with the terms of this Agreement,
then the Company or its designee may, at its option, in addition to all other
remedies it may have, send to the Optionee the purchase price for such Shares as
is herein specified. The Company shall then, upon written notice to the
Optionee, (a) cancel on its books the Certificate or Certificates representing
the Shares to be sold and (b) in the case of a designee, issue, in lieu thereof,
in the name of such designee, a new Certificate or Certificates representing
such Shares. All of the Optionee's rights in and to such Shares shall terminate.

                  6.       FURTHER LIMITATION AS TO TRANSFERS BY THE
STOCKHOLDER. In addition to the other restrictions provided in this Agreement or
otherwise, if requested by the Company or its underwriters for a public offering
of securities of the Company, Optionee shall not sell or otherwise transfer or
dispose of any Shares or other securities of the Company held by such Optionee
during the period of fourteen (14) days before, and one hundred eighty (180)
days following, the effective date of a registration statement filed by the
Company with the Securities and Exchange Commission relating to such offering
(other than a registration statement on Form S-8 or Form S-4, or their
successors, or any other comparable form for similarly limited purposes
promulgated after the date hereof, or any registration statement covering only
securities proposed to be issued in exchange for securities or assets of another
corporation).

<PAGE>

                  7.       REMEDIES.

                           (a)      The Optionee expressly agrees that the
Company or its designee, as the case may be, will be irreparably damaged if this
Agreement is not specifically enforced. In case any one or more of the
agreements set forth in this Agreement shall have been breached by the Optionee,
the Company or its designee, as the case may be, may proceed to protect and
enforce their rights either by suit in equity and/or by action at law,
including, but not limited to, an action for damages as a result of any such
breach; and/or an action for specific performance of any such agreement
contained in this Agreement and/or a temporary or permanent injunction, in any
case without showing any actual damage. The rights, powers and remedies of the
parties under this Agreement are cumulative and not exclusive of any other
right, power or remedy which such parties may have under any other agreement or
law. No single or partial assertion or exercise of any right, power or remedy of
a party hereunder shall preclude any other or further assertion or exercise
thereof.

                           (b)      The Optionee agrees that, until a public
market for the Shares exists, the Shares cannot be readily purchased, sold, or
evaluated in the open market, that they have a unique and special value, and
that the Company and its stockholders would be irreparably damaged if the terms
of this Agreement were not capable of being specifically enforced. For the
preceding reasons, among others, the Company shall be entitled to a decree of
specific performance of the terms of this Agreement or an injunction restraining
violation of this Agreement, said right to be in addition to any other remedies
of the Company.

                  8.       ASSIGNMENT. The Company may assign its rights under
this Agreement to one or more persons or entities, who shall have the right to
exercise such rights in his, her or its own name and for his, her or its own
account. If the exercise of any such right requires the consent of any state or
other regulatory authority, the Optionee shall cooperate with the Company in
requesting such consent.

                  9.       ADJUSTMENT. The number of Shares subject to the terms
and provisions of this Agreement during the term of this Agreement shall be
adjusted to give effect to any stock dividend or liquidating dividend of cash
and/or property, stock split, conversion or other change or reclassification of
the outstanding securities of the Company. If any such adjustment is made, any
and all new, substituted or additional securities or other property to which the
Optionee is entitled by reason of his or her ownership of Shares shall be
immediately subject to the terms of this Agreement, and be included in the term
"Shares" for all purposes with the same force and effect as the Shares presently
subject to this Agreement.

                  10.      LEGENDS. All Certificates representing any Shares of
the Company subject to the provisions of this Agreement shall be endorsed with
the following legend in substantially the following form unless in the opinion
of counsel such legend is no longer necessary:

<PAGE>

                  THE SHARES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN
                  REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED OR ANY
                  APPLICABLE STATE SECURITIES LAWS. THESE SHARES HAVE NOT BEEN
                  ACQUIRED WITH A VIEW TO DISTRIBUTION OR RESALE, AND MAY NOT BE
                  SOLD, ASSIGNED, EXCHANGED, MORTGAGED, PLEDGED, HYPOTHECATED OR
                  OTHERWISE TRANSFERRED OR DISPOSED OF, BY GIFT OR OTHERWISE, OR
                  IN ANY WAY ENCUMBERED WITHOUT AN EFFECTIVE REGISTRATION
                  STATEMENT FOR SUCH SHARES UNDER THE SECURITIES ACT OF 1933, AS
                  AMENDED, AND ANY APPLICABLE STATE SECURITIES LAWS, OR AN
                  OPINION OF COUNSEL SATISFACTORY TO e-PROFILE, INC. THAT
                  REGISTRATION IS NOT REQUIRED UNDER SUCH ACT AND UNDER
                  APPLICABLE STATE SECURITIES LAWS. MOREOVER, THE SHARES
                  REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO AND RESTRICTED
                  BY THE PROVISIONS OF A CERTAIN STOCK PURCHASE AND RESTRICTION
                  AGREEMENT BETWEEN e-PROFILE, INC. AND THE STOCKHOLDER, A COPY
                  OF WHICH AGREEMENT WILL BE FURNISHED BY e-PROFILE, INC. UPON
                  WRITTEN REQUEST AND WITHOUT CHARGE, AND ALL OF THE PROVISIONS
                  OF SUCH AGREEMENT ARE INCORPORATED BY REFERENCE IN THIS
                  CERTIFICATE.

                  11.      INVESTMENT REPRESENTATIONS. Unless the Shares have
been registered under the Securities Act of 1933, as amended (the "ACT"), in
which event the Company will so advise Optionee in writing, Optionee
acknowledges, agrees, represents and warrants, in connection with the proposed
purchase of the Shares, as follows:

                           (a)      The Optionee is purchasing the Shares solely
for his or her own account for investment and not with a view to, or for resale
in connection with, any distribution of such Shares within the meaning of the
Act. The Optionee further represents that he or she does not have any present
intention of selling, offering to sell or otherwise disposing of or distributing
any of the Shares; and that the entire legal and beneficial interest of the
Shares he or she is purchasing is being purchased for, and will be held for the
account of, the Optionee only and not in any respect for any other person.

                           (b)      The Optionee is aware of the Company's
business affairs and financial condition and has acquired sufficient information
about the Company to reach an informed and knowledgeable decision to acquire the
Shares. The Optionee has a preexisting

<PAGE>

personal or business relationship with the Company or its officers or directors.
The Optionee has such knowledge and experience in business and financial matters
to enable him or her to evaluate the risks of the prospective investment and to
make an informed investment decision. The Optionee has discussed the Company and
its plans, operations and financial condition with its officers, has received
all such information as the Optionee deems necessary and appropriate to enable
him or her to evaluate the financial risk inherent in making an investment in
the Shares and has received satisfactory and complete information concerning the
business and financial condition of the Company in response to all inquiries in
respect thereof.

                           (c)      The Optionee realizes that his or her
purchase of the Shares will be a speculative investment and that Optionee is
able, without impairing his or her financial condition, to hold the Shares for
an indefinite period of time and to suffer a complete loss on the investment.

                           (d)      The Company has disclosed in writing that:
(i) the sale of the Shares has not been registered under the Act; (ii) the
Shares must be held indefinitely unless a transfer of them is subsequently
registered under the Act or an exemption from such registration is available;
(iii) the Company is under no obligation to register the Shares; and (iv) the
Company shall make a notation in its records of the aforementioned restrictions
on transfer and legends.

                           (e)      The Optionee is aware of the provisions of
Rule 144, promulgated under the Act, which, in substance, permits limited public
resale of "restricted securities" acquired, directly or indirectly, from the
issuer thereof (or an affiliate of such issuer) in a non-public offering subject
to the satisfaction of certain conditions, including among other things:

                                    (i)      the resale occurring not less than
one (1) year from the date Optionee has purchased and paid for the Shares;

                                    (ii)     the availability of certain public
information concerning the Company;

                                    (iii)    the sale being through a broker in
an unsolicited "brokers' transaction" or in a transaction directly with a market
maker (as said term is defined under the Securities Exchange Act of 1934, as
amended); and

                                    (iv)     that any sale of the Shares may be
made by Optionee, if Optionee is an affiliate of the Company, only in limited
amounts during any three-month period not exceeding specified limitations.

         The Optionee understands that at the time Optionee wishes to sell the
Shares there may be no public market upon which to make such a sale, and that,
even if such public market then exists, the Company may not be satisfying the
current public information requirements of Rule

<PAGE>

144, and that, in such event, Optionee would be precluded from selling the
Shares under Rule 144 even if the one-year minimum holding period had been
satisfied.

         The Optionee understands that in the event all of the requirements of
Rule 144 are not satisfied, registration under the Act, compliance with
Regulation A, or some other registration exemption will be required, and that,
notwithstanding the fact that Rule 144 is not exclusive, the Staff of the SEC
has expressed its opinion that persons proposing to sell private placement
securities other than in a registered offering and otherwise than pursuant to
Rule 144 will have a substantial burden of proof in establishing that an
exemption from registration is available for such offers or sales, and such
persons and their respective brokers who participate in such transactions do so
at their own risk.

                           (f)      Without in any way limiting the Optionee's
representations and warranties set forth herein, the Optionee shall in no event
make any disposition of all or any portion of the Shares that he or she is
purchasing unless and until:

                                    (i)      there is then in effect a
Registration Statement under the Act covering such proposed disposition and such
disposition is made in accordance with said Registration Statement; or

                                    (ii)     the Optionee has (a) notified the
Company of the proposed disposition and furnished the Company with a detailed
statement of the circumstances surrounding the proposed disposition, and (b)
furnished the Company with an opinion of Optionee's own counsel (satisfactory to
the Company) to the effect that such disposition will not require registration
of such Shares under the Act, and such opinion of the Optionee's counsel shall
have been concurred in by counsel for the Company and the Company has advised
the Optionee of such concurrence.

                  12.      TERM. Except for Sections 2, 3, 4 and 5 hereof, which
shall terminate upon the consummation of a firm commitment underwritten public
offering of equity securities of the Company registered under the Act, this
Agreement shall continue in full force and effect until such time as the
Optionee has transferred all of the Shares (other than pursuant to Section 2(b))
in accordance with the terms of this Agreement.

                  13.      MISCELLANEOUS.

                           (a)      The Company shall not be required (i) to
transfer on its books any Shares that have been sold or transferred in violation
of any of the provisions set forth in this Agreement, or (ii) to treat as owner
of such Shares or to accord the right to vote as such owner or to pay dividends
to any transferee to whom such Shares have been so transferred.

                           (b)      The parties agree to execute such further
instruments and to take such further action as may reasonably be necessary to
carry out the intent of this Agreement.

<PAGE>

                           (c)      Any notice, consent or other communication
required or permitted hereunder shall be given in writing and shall be deemed
effectively given: (a) upon personal delivery; (b) two (2) business days after
day of deposit if sent by regular mail; (c) one (1) business day after the
business day of deposit with a carrier if sent by Federal Express, Express Mail
or other express service (receipt requested), in each case to the appropriate
addresses, telex numbers and telecopier numbers set forth below (or at such
other address or numbers as such party may designate by ten (10) days' advance
written notice to the other party hereto):

                                    (i)     To the Optionee:

                                            -------------------
                                            -------------------
                                            -------------------

                                    (ii)     To the Company:

                                             e-PROFILE, Inc.
                                             200 Chester Field Parkway
                                             Suite 100
                                             Malvern, PA 19355
                                             Fax: (610) 651-2812
                                             Attn:  ________________

                           (d)      This Agreement shall inure to the benefit of
the successors and assigns of the Company. Subject to all compliance with the
restrictions on transfer set forth in this Agreement, this Agreement shall be
binding upon Optionee, his heirs, executors, administrators, and permitted
successors and assigns.

                           (e)      This Agreement shall be construed under the
laws of the State of Delaware and constitutes the entire Agreement of the
parties with respect to the subject matter hereof, superseding all prior written
or oral agreements with respect thereto, and no amendment or addition to this
Agreement shall be deemed effective unless agreed to in writing by the parties
hereto.

                           (f)      If any provision of this Agreement is held
by a court of competent jurisdiction to be invalid, void or unenforceable, then
the remaining provisions shall nevertheless continue in full force and effect
without being impaired or invalidated in any way and shall be construed in
accordance with the purposes and tenor and effect of this Agreement.

                           (g)      Nothing in this Agreement shall be deemed to
create any term of employment or engagement or affect in any manner whatsoever
the right or power of the Company to terminate Optionee's employment or
engagement.

<PAGE>

                           (h)      Notwithstanding (i) the execution and
delivery of this Agreement by the parties hereto or (ii) anything to the
contrary contained in this Agreement, (A) in the event of a Termination for
Cause, the Optionee shall forfeit all Shares for which the Company has not yet
delivered Share Certificates to the Optionee and the Company shall refund to the
Optionee the Option purchase price paid to the Company upon exercise of the
Option with respect to those Shares. In addition, the Company may withhold
delivery of Share Certificates pending the resolution of any inquiry that could
lead to a determination resulting in forfeiture. Further, with respect to Shares
for which the Company has delivered Share Certificates, the Company shall have
the right to purchase all of the Shares owned by the Optionee and the Optionee
shall sell such Shares to the Company at a purchase price per Share equal to the
lesser of the Fair Market Value per Share as at the date of exercise or the Fair
Market Value per Share as at the date of termination.

                  NOW, THEREFORE, for good and valuable consideration, which
Optionee acknowledges having received and believes to be sufficient, and
intending to be legally bound by the terms of this Agreement, the Optionee and
the Company agree to the terms of this Agreement. In witness whereof, the
parties hereto have executed this Agreement as of the day and year first
above-written.

                                  e-PROFILE, INC.

                                  By:
                                      ------------------------------

                                  Title:
                                         ---------------------------

                                  OPTIONEE:

                                  ----------------------------------
                                  (Signature)

                                  ----------------------------------
                                  (Print Name)

                                  Address:

                                           --------------------------

                                           --------------------------

<PAGE>

                                 SPOUSAL CONSENT

                  The undersigned spouse of the Optionee agrees that his or her
interest, if any, in the Shares subject to the foregoing Stock Purchase and
Restriction Agreement shall be irrevocably bound by the terms of the Stock
Purchase and Restriction Agreement and further understands and agrees that any
community property interest, if any, shall be similarly bound by the terms of
the Stock Purchase and Restriction Agreement.

Date:
     --------------------              ------------------------------------
                                       Name of Spouse of Optionee

                                       ------------------------------------
                                       Signature of Spouse of Optionee

<PAGE>

                                  ATTACHMENT A
                   TO STOCK PURCHASE AND RESTRICTION AGREEMENT

                      ASSIGNMENT SEPARATE FROM CERTIFICATE

                  FOR VALUE RECEIVED, _________________________ hereby sells,
assigns and transfers unto ___________________________, _____ shares of the
Common Stock (the "SHARES") of e-PROFILE, INC. (the "COMPANY"), standing in the
undersigned's name on the books of the Company represented by Certificate No.
_____ herewith, and does hereby irrevocably constitute and appoint
__________________ attorney to transfer the said Shares on the books of the
Company with full power of substitution in the premises.

Dated:                                 Signature:
       ----------------                          ---------------------------

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