Document:

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Exhibit 10.3
------------
                                                                Grant No._______

                             DigitalWork.com, Inc.
                             1998 Stock Option Plan
                    (As Amended and Restated March 1, 2000)

                            STOCK OPTION AGREEMENT

     Unless otherwise defined herein, the terms defined in the DigitalWork.com,
Inc. 1998 Stock Option Plan (As Amended and Restated March 1, 2000) (the "Plan")
shall have the same defined meanings in this Stock Option Agreement (the
"Agreement").

I.   NOTICE OF STOCK OPTION GRANT

     [OPTIONEE'S NAME AND ADDRESS]

     The undersigned Optionee has been granted an Option to purchase Common
Stock of the Company, subject to the terms and conditions of the Plan and this
Option Agreement, as follows:

     Date of Grant                     ____________________
     Vesting Commencement Date         ____________________
     Exercise Price per Share          ____________________
     Total Number of Shares Granted    ____________________
     Type of Option                    ____  Incentive Stock Option
                                       ____  Nonqualified Stock Option
     Term/Expiration Date:             ____________________
     Vesting Schedule                  See Paragraph 3 below.

II.  AGREEMENT

     1.  Grant of Option.  DigitalWork.com, Inc., a Delaware corporation (the
         ---------------
"Company"), hereby grants to the Optionee named in the Notice of Grant (the
"Optionee"), an option (the "Option") to purchase the number of Shares set forth
in the Notice of Grant, at the exercise price per Share set forth in the Notice
of Grant (the "Exercise Price"), and subject to the terms and conditions of the
Plan, which is incorporated herein by reference.  Subject to Section 14(c) of
the Plan (Effect of Amendment or Termination), in the event of a conflict
between the terms and conditions of the Plan and this Option Agreement, the
terms and conditions of the Plan shall prevail.

     If designated in the Notice of Grant as an Incentive Stock Option ("ISO"),
this Option is intended to qualify as an Incentive Stock Option as defined in
Section 422 of the Code.  Nevertheless, to the extent that it exceeds $100,000
during any calendar year, this Option shall be treated as a Nonqualified Stock
Option ("NQO").

     2.  Exercise Price.  The exercise price per Share for the Optioned Stock
         --------------
shall be as set forth in Section I.

     3.  Vesting Schedule. The period or periods of time only after which the
         ----------------
Option, or portions thereof, become "vested" (i.e., may be acquired by
exercising that portion of the Option) shall be:  [(i) twenty-five percent (25%)
of the shares subject to the Option shall vest and may be acquired upon exercise
on the first anniversary of the vesting commencement date, provided that
Optionee remains an Employee, Director or Consultant through and including such
date (ii) twenty-five percent (25%) of the Shares subject to the Option shall
vest and may be

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acquired upon exercise on the second anniversary of the vesting commencement
date, provided that Optionee remains an Employee, Director or Consultant through
and including such date (iii) twenty-five percent (25%) of the Shares subject to
the Option shall vest and may be acquired upon exercise on the third anniversary
of the vesting commencement date, provided that Optionee remains an Employee,
Director or Consultant through and including such date and (iv) twenty-five
percent (25%) of the Shares subject to the Option shall vest and may be acquired
upon exercise on the fourth anniversary of the vesting commencement date,
provided that Optionee remains an Employee, Director or Consultant through and
including such date.]

     4.  Exercise of Option.  The Options shall be exercisable during their term
         ------------------
in accordance with the vesting schedule described in Section 3 above and with
the provisions of Section 9 of the Plan as follows:

         (a)   Right to Exercise.
               -----------------

               (i)   Options may not be exercised for a fraction of a Share.

               (ii)  In the event of Optionee's death, disability or other
          termination of employment, the exercisability of the Options are
          governed by Sections 9, 10, 11 and 12 below, subject to the limitation
          contained in subsection 4(a)(iii).

               (iii) In no event may Options be exercised after the date of
          expiration of the term of the respective Option as provided in Section
          13 hereof.

          (b)  Method of Exercise.  This Option shall be exercisable by delivery
               ------------------
     of written notice in the form attached as Exhibit A (the "Exercise Notice")
     which shall state the election to exercise an Option, the number of Shares
     with respect to which the Option is being exercised, and such other
     representations and agreements as may be required by the Company.  This
     Option shall be deemed to be exercised upon receipt by the Company of such
     written notice accompanied by payment in the amount of the applicable
     Exercise Price.

               No Shares shall be issued pursuant to the exercise of an Option
     unless such issuance and such exercise shall comply with all Applicable
     Laws.  Assuming such compliance, for income tax purposes the Shares shall
     be considered transferred to the Optionee on the date on which the Option
     is exercised with respect to such Shares.

     5.   Optionee's Representations.  In the event the Shares purchasable
          --------------------------
pursuant to the exercise of this Agreement have not been registered under the
Securities Act of 1933, as amended, at the time this Option is exercised,
Optionee shall, if required by the Company, concurrently with the exercise of
this Option, deliver to the Company his Investment Representation Statement in
the form attached hereto as Exhibit B (the "Investment Representation
Statement").

     6.   Method of Payment.  Payment of the applicable Exercise Price shall be
          -----------------
by cash or, at the election of the Administrator, by any of the following:

          (a)  cash, check or cash equivalent;

          (b)  promissory note;

          (c)  consideration received by the Company under a cashless exercise
     program;

          (d)  surrender of other shares of Common Stock of the Company which
     (i) in the case of Shares acquired pursuant to the exercise of an Option,
     have been owned by the Optionee for more than six (6) months on the date of
     surrender, and (ii) have a Fair Market Value, as determined by the
     Administrator

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     (but without regard to any restrictions on transferability applicable to
     such stock by reason of federal or state securities laws or agreements with
     an underwriter for the Company), of not less than the option price of the
     Shares as to which such Option shall be exercised (provided such tender of
     stock would not constitute a violation of the provisions of any law,
     regulation and/or agreement restricting the redemption of the Company's
     stock);

          (e)  authorization for the Company to retain from the total number of
     Shares as to which the Option is exercised that number of Shares having a
     Fair Market Value on the date of exercise equal to the exercise price for
     the total number of Shares as to which the Option is exercised; or

          (f)  such other consideration and method of payment for the issuance
     of Shares that may be permitted under Applicable Laws.

     7.   Restrictions on Exercise.  This Option may not be exercised until such
          ------------------------
time as the Plan has been approved by the shareholders of the Company, or if the
issuance of such Shares upon such exercise or the method of payment of
consideration for such shares would constitute a violation of any Applicable
Laws.  As a condition to the exercise of an Option, the Company may require
Optionee to make any representation and warranty to the Company as may be
required by any Applicable Law.

     8.   Termination of Relationship. In the event of termination of Optionee's
          ---------------------------
status as an Employee, Director or Consultant for any reason, Optionee may, but
only within three (3) months after the date of such termination (but in no event
later than the expiration date of the term of such Option as set forth herein),
exercise Optionee's Options to the extent that Optionee was entitled to exercise
them at the date of such termination. To the extent that Optionee was not
entitled to exercise an Option at the date of such termination, or if Optionee
does not exercise an Option within the time specified herein, the Options shall
terminate, and the Shares covered by such Option shall revert to the Plan.

     9.   Disability of Optionee.  Notwithstanding the provisions of Section 8
          ----------------------
above, in the event of termination of Optionee's status as an Employee, Director
or Consultant as a result of his or her disability, Optionee may, but only
within six (6) months from the date of termination of employment (but in no
event later than the date of expiration of the term of the Option as set forth
herein), exercise Optionee's Options to the extent otherwise so entitled at the
date of such termination.  To the extent that Optionee was not entitled to
exercise the Option at the date of termination, or if Optionee does not exercise
such Option to the extent so entitled within the time specified herein, the
Options shall terminate, and the Shares covered by such Option shall revert to
the Plan.

     10.  Death of Optionee.  Notwithstanding the provisions of Section 8 above,
          -----------------
in the event of the death of Optionee while such Optionee was an Employee,
Director or Consultant, Optionee's Options may be exercised at any time within
six (6) months following the date of death (but in no event later than the date
of expiration of the term of the Options as set forth herein), by Optionee's
estate or by a person who acquired the right to exercise the Options at the date
of death.  To the extent that Optionee was not entitled to exercise the Options
at the date of death or termination, as the case may be, or if Optionee does not
exercise the Options to the extent so entitled within the time specified herein,
the Options shall terminate, and the Shares covered by such Option shall revert
to the Plan.

     11.  Non-Transferability of Option.  No right or interest in this
          -----------------------------
Agreement, nor any Option granted hereby, may be assigned, transferred or
disposed of in any manner otherwise than by will or by the laws of descent or
distribution and may be exercised during the lifetime of Optionee only by such
Optionee.  The terms of the Plan and this Option Agreement and the Options shall
be binding upon the executors, administrators, heirs, successors and assigns of
the Optionee.

     12.  Term of Option.  This Option may be exercised only within ten (10)
          --------------
years after the date of grant of such Option, and may be exercised during such
term only in accordance with the Plan and the terms of this Option Agreement.
Notwithstanding the foregoing, the limitations set forth in Section 7 of the
Plan regarding

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Options designated as Incentive Stock Options and Options granted to Ten Percent
Stockholders shall apply to all Options granter hereunder.

     13.  Tax Consequences.  Optionee acknowledges that he or she has been given
          ----------------
the opportunity to consult with his or her own tax advisor with respect to the
tax consequences of the Options and the exercise thereof and the disposition of
Shares, and that Optionee is not relying upon the Company for any tax advice.

     14.  Tax Withholding for Nonqualified Stock Options.
          ----------------------------------------------

          The following shall apply with respect to any Nonqualified Stock
Options or if for any other reason Optionee is required to satisfy a withholding
obligation arising upon exercise of an Option:

          (a)  Methods.  Optionee shall satisfy his or her tax withholding
               --------
     obligation arising upon the exercise of an Option by one of the following
     methods: (i) by cash payment; (ii) out of Optionee's current compensation;
     or (iii) if permitted by the Administrator, in its discretion, by
     surrendering to the Company Shares which (A) in the case of Shares
     previously acquired from the Company, have been owned by the Optionee for
     more than six (6) months on the date of surrender, and (B) have a Fair
     Market Value on the date of surrender equal to or less than Optionee's
     marginal tax rate times the ordinary income recognized; or (iv) by electing
     to have the Company withhold from the Shares to be issued upon exercise of
     the Option that number of Shares having a Fair Market Value equal to the
     amount required to be withheld.

          (b)  Rule 16b-3.  If the Optionee is subject to Section 16 of the
               ----------
     Exchange Act (an "Insider"), any surrender of previously owned Shares to
     satisfy tax withholding obligations arising upon exercise of an Option must
     comply with the applicable provisions of Rule 16b-3 promulgated under the
     Exchange Act ("Rule 16b-3") and shall be subject to such additional
     conditions or restrictions as may be required thereunder to qualify for the
     maximum exemption from Section 16 of the Exchange Act with respect to Plan
     transactions.

          (c)  Procedures.  All elections by an Optionee to have Shares withheld
               ----------
     to satisfy tax withholding obligations shall be made in writing in a form
     acceptable to the Administrator and shall be subject to the following
     restrictions: (i) the election must be made on or prior to the applicable
     tax withholding date; (ii) once made, the election shall be irrevocable as
     to the particular Shares of the Option as to which the election is made;
     (iii) all elections shall he subject to the consent or disapproval of the
     Administrator; (iv) if the Optionee is a Reporting Person, the election
     must comply with the applicable provisions of Rule 16b-3 and shall be
     subject to such additional conditions or restrictions as may be required
     thereunder to qualify for the maximum exemption from Section 16 of the
     Exchange Act with respect to Plan transactions.

     15.  Entire Agreement; Governing Law.  The Plan is incorporated herein by
          -------------------------------
reference. The Plan and this Option Agreement constitute the entire agreement of
the parties with respect to the subject matter hereof and supersede in their
entirety all prior undertakings and agreements of the Company and Optionee with
respect to the subject matter hereof, and may not be modified adversely to the
Optionee's interest except by means of a writing signed by the Company and
Optionee. This agreement is governed by the internal substantive laws but not
the choice of law rules of the State of Illinois.

     16.  No Guarantee of Continued Service.  OPTIONEE ACKNOWLEDGES AND AGREES
          ---------------------------------
THAT THE VESTING OF OPTIONS PURSUANT TO THE VESTING SCHEDULE HEREOF IS EARNED
ONLY BY CONTINUING AS AN EMPLOYEE, DIRECTOR OR CONSULTANT AT THE WILL OF THE
COMPANY (NOT THROUGH THE ACT OF BEING HIRED, BEING GRANTED ANY OPTIONS OR
ACQUIRING SHARES HEREUNDER). OPTIONEE FURTHER ACKNOWLEDGES AND AGREES THAT THIS
AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREUNDER AND THE VESTING SCHEDULE SET
FORTH HEREIN DO NOT CONSTITUTE AN EXPRESS OR IMPLIED PROMISE OF CONTINUED

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ENGAGEMENT AS AN EMPLOYEE, DIRECTOR OR CONSULTANT FOR THE VESTING PERIOD, FOR
ANY PERIOD, OR AT ALL, AND SHALL NOT INTERFERE IN ANY WAY WITH OPTIONEE'S RIGHT
OR THE COMPANY'S RIGHT TO TERMINATE OPTIONEE'S RELATIONSHIP WITH THE COMPANY AT
ANY TIME, WITH OR WITHOUT CAUSE.

     Optionee acknowledges receipt of a copy of the Plan and represents that he
or she is familiar with the terms and provisions thereof, and hereby accepts
this Option subject to all of the terms and provisions thereof. Optionee has
reviewed the Plan and this Option Agreement in their entirety, has had an
opportunity to obtain the advice of counsel prior to executing this Option
Agreement and fully understands all provisions of the Option Agreement. Optionee
hereby agrees to accept as binding, conclusive and final all decisions or
interpretations of the Administrator upon any questions arising under the Plan,
this Agreement or any Option.

                              DIGITALWORK.COM, INC.,
                              a Delaware corporation

                              By: __________________________________

                              Title: _______________________________

                     ***OPTIONEE SIGNATURE PAGE FOLLOWS***

                                       5
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                                        OPTIONEE:

Dated as of: ______________, 1999       _____________________________________
                                        (sign name)

                                        ______________________________
                                        (print name)

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                                   EXHIBIT A
                                   ---------

                             DigitalWork.com, Inc.
                            1998 Stock Option Plan
                    (As Amended and Restated March 1, 2000)
                    ---------------------------------------

                                EXERCISE NOTICE

DigitalWork.com, Inc.
230 West Monroe Street, Suite 1950
Chicago, Illinois 60606
Attention:  Stock Option Plan Administrator

     1.  Exercise of Option.  Effective as of today, _______________, ____, the
         ------------------
undersigned ("Optionee") hereby elects to exercise pursuant to this Exercise
Notice (this "Agreement") Optionee's option to purchase _____ shares of the
Common Stock (the "Shares") of DigitalWork.com, Inc., a Delaware corporation
(the "Company") under and pursuant to the DigitalWork.com, Inc. 1998 Stock
Option Plan (As Amended and Restated March 1, 2000) (the "Plan") and the Stock
Option Agreement dated as of _________, ____ (the "Option Agreement").

     2.  Representations of Optionee.  Optionee acknowledges that Optionee has
         ---------------------------
received, read and understood the Plan and Option Agreement and agrees to abide
by and be bound by their terms and conditions.  Optionee represents that
Optionee is purchasing the Shares for Optionee's own account for investment and
not with a view to, or for sale in connection with, a distribution of any of
such Shares.

     3.  Rights as Shareholder.  Until the stock certificate evidencing such
         ---------------------
Shares is issued, no right to vote or receive dividends or any other rights as a
shareholder shall exist with respect to the Optioned Stock, notwithstanding the
exercise of the Option.  The Company shall issue (or cause to be issued) such
stock certificate promptly after the Option is exercised.  No adjustment will be
made for a dividend or other right for which the record date is prior to the
date the stock certificate is issued, except as provided in Section 11 of the
Plan.

         Optionee shall enjoy rights as a shareholder until such time as
Optionee disposes of the Shares or the Option on Termination of Employment
hereunder and delivers payment for such Shares.  Upon such exercise, Optionee
shall forthwith cause the certificate(s) evidencing the Shares so purchased to
be surrendered to the Company for transfer or cancellation upon delivery of
payment thereafter, after which transfer or cancellation Optionee shall have no
further rights as a holder of the Shares.

     4.  Company's Option Upon Certain Events.
         ------------------------------------

     The Company shall have the right to purchase all, but not less than all, of
the Shares owned by Optionee, if during the two year period following the
termination of the employment (for any reason or no reason) of Optionee,
Optionee:

         (a)   owns, manages, operates, controls, or participates in, or becomes
     associated in any manner whatsoever, directly or indirectly, with, or
     becomes connected as an officer, employee, manager, partner, director,
     consultant, or otherwise with, or has any financial interest in, or aids or
     assists anyone in the conduct of, or otherwise engages in, any business
     (whether it be a sole proprietorship, partnership, corporation, limited
     liability company, or any other entity), that provides services that are
     similar to those provided by the Company, including, but not limited to,
     insurance agencies, brokerage offices or

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<PAGE>

     prospective policy lead referral services (by way of clarification and not
     in limitation to the foregoing, "similar" products or services as used in
     this paragraph would be the provision, via electronic means such as the
     Internet or other networks, of services or products relating to insurance
     quotes or policies or substantially similar or competing financial or other
     services and products) (provided, however, that, ownership of not more than
     one percent of the voting securities of any publicly-held corporation, in
     and of itself, shall not constitute a violation of this paragraph);

          (b)  solicits or otherwise encourages any employee or independent
     contractor of the Company to (a) terminate his or her employment or other
     relationship with the Company, or (b) with respect to employees of the
     Company, enter into employment with any other person or entity;

          (c)  in any way slanders, libels, or through any other means, takes
     any action that is intended to be detrimental to the Company or its
     personnel, operations, or products and services; or

          (d)  without limitation to the foregoing, breaches any obligation
     similar to the foregoing and then effective agreement between Optionee and
     the Company.

     In the event that the Company becomes aware that Optionee has engaged in
any of the foregoing activities, the Company may elect to redeem all, but not
less than all, of the Shares owned by Optionee by delivering written notice of
such election to Optionee.  The purchase price shall be equal to the applicable
Exercise Price for each of such Shares.  Such right shall be effective for a
period of ninety (90) days from the date the Company became aware of such
activities.  The redemption shall be consummated within thirty (30) days of the
date of the Company's election notice, at a time and place reasonably determined
by the Company.

     5.   Tax Consultation.  Optionee understands that Optionee may suffer
          ----------------
adverse tax consequences as a result of Optionee's purchase or disposition of
the Shares.  Optionee represents that Optionee has consulted with any tax
consultants Optionee deems advisable in connection with the purchase or
disposition of the Shares and that Optionee is not relying on the Company for
any tax advice.

     6.   Successors and Assigns. The Company may assign any of its rights under
          ----------------------
this Agreement to single or multiple assignees, and this Agreement shall inure
to the benefit of the successors and assigns of the Company. Subject to the
restrictions on transfer herein set forth, this Agreement shall be binding upon
Optionee and his or her heirs, executors, administrators, successors and
assigns.

     7.   Interpretation.  Any dispute regarding the interpretation of this
          --------------
Agreement shall be submitted by Optionee or by the Company forthwith to the
Administrator of the Plan, which shall review such dispute at its next regular
meeting.  The resolution of such a dispute by the Administrator shall be final
and binding on the Company and on Optionee.

     8.   Governing Law; Severability.  This Agreement is governed by the
          ---------------------------
internal substantive laws but not the choice of law rules of the State of
Illinois.

     9.   Entire Agreement.  The Plan and Option Agreement are incorporated
          ----------------
herein by reference. This Agreement, the Plan, the Option Agreement and the
Investment Representation Statement constitute the entire agreement of the
parties with respect to the subject matter hereof and supersede in their
entirety all prior undertakings and agreements of the Company and Optionee with
respect to the subject matter hereof, and may not be modified adversely to the
Optionee's interest except by means of a writing signed by the Company and
Optionee.

                                       2
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Submitted by:                       Accepted by:

                                    DIGITALWORK.COM, INC.
___________________________
(print name)
                                    By:_______________________________
                                       (sign name)

___________________________            _______________________________
(signature)                            (print name)

                                    Its: ________________________

Address:   _______________________

           _______________________

           _______________________

                                       3
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                                   EXHIBIT B
                                   ---------

                      INVESTMENT REPRESENTATION STATEMENT

OPTIONEE:  __________________________

COMPANY:   DIGITALWORK.COM, INC.

SECURITY:  COMMON STOCK

AMOUNT:    ___________________________

DATE:      ___________________________

     In connection with the purchase of the above-listed Securities, I, the
Optionee, represent to DigitalWork.com, Inc., a Delaware corporation (the
"Company") the following:

          (a)  I am aware of the Company's business affairs and financial
     condition, and have acquired sufficient information about the Company to
     reach an informed and knowledgeable decision to acquire the Securities.  I
     am purchasing these Securities for my own account for investment purposes
     only and not with a view to, or for the resale in connection with, any
     "distribution" thereof for purposes of the Securities Act of 1933, as
     amended (the "Securities Act").

          (b)  I understand that the Securities have not been registered under
     the Securities Act in reliance upon a specific exemption therefrom, which
     exemption depends upon, among other things, the bona fide nature of my
     investment intent as expressed herein. In this connection, I understand
     that, in the view of the Securities and Exchange Commission (the "SEC"),
     the statutory basis for such exemption may be unavailable if my
     representation was predicated solely upon a present intention to hold these
     Securities for the minimum capital gains period specified under tax
     statutes, for a deferred sale, for or until an increase or decrease in the
     market price of the Securities, or for a period of one year or any other
     fixed period in the future.

          (c)  I further understand that the Securities must be held
     indefinitely unless subsequently registered under the Securities Act or
     unless an exemption from registration is otherwise available. Moreover, I
     understand that the Company is under no obligation to register the
     Securities. In addition, I understand that the certificate evidencing the
     Securities will be imprinted with a legend which prohibits the transfer of
     the Securities unless they are registered or such registration is not
     required in the opinion of counsel for the Company.

          (d)  I am familiar with the provisions of Rule 701 and Rule 133, each
     promulgated under the Securities Act, which, in substance, permit limited
     public resale of "restricted securities" acquired, directly or indirectly,
     from the issuer thereof, in a non-public offering subject to the
     satisfaction of certain conditions.  Rule 701 provides that if the issuer
     qualifies under Rule 701 at the time of issuance of the Securities, such
     issuance will be exempt from registration under the Securities Act.  In the
     event the Company later becomes subject to the reporting requirements of
     Section 13 or 15(d) of the Securities Exchange Act of 1934, ninety (90)
     days thereafter the securities exempt under Rule 701 may be resold, subject
     to the satisfaction of certain of the conditions specified by Rule 144,
     including among other things: (1) the sale being made through a broker in
     an unsolicited "broker's transaction" or in transaction directly with a
     case of an affiliate, (2) the availability of certain public information
     about the Company, and the amount of securities being sold during any three
     month period not exceeding the limitations specified in Rule 144(e), if
     applicable.  Notwithstanding this paragraph (d), I acknowledge and agree to
     the restrictions set forth in paragraph (e) hereof.

                                       4
<PAGE>

               In the event that the Company does not qualify under Rule 701 at
     the time of issuance of the Securities, then the Securities may be resold
     in certain limited circumstances subject to the provisions of Rule 144,
     which requires among other things:  (1) the availability of certain public
     information about the Company, (2) the resale occurring not less than one
     year after the party has purchased, and made full payment for, within the
     meaning of Rule 144, the securities to be sold; and, in the case of an
     Affiliate, or of a non-affiliate who has held the securities less than two
     years, (3) the sale being made through a broker in an unsolicited "broker's
     transaction" or in transaction directly with a market maker (as said term
     is defined under the Securities Exchange Act of 1934) and the amount of
     securities being sold during any three month period not exceeding the
     specified limitations stated therein, if applicable.

          (e)  I further understand that in the event all of the applicable
     requirements of Rule 144 or Rule 701 are not satisfied, registration under
     the Securities Act, compliance with Regulation A, or some other
     registration exemption will be required; and that, notwithstanding the fact
     that Rule 144 and Rule 701 are 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 or Rule 701 will have a substantial burden of proof in
     establishing that an exemption from registration is available for such
     offers or sales, and that such persons and their respective brokers who
     participate in such transactions do so at their own risk.

                              Signature of Optionee:

                              ____________________________________
                              (sign name)

                              ____________________________________
                              (print name)

                                       5<PAGE>

Exhibit 10.5
------------

THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER
THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), AND HAVE BEEN
                                             --------------
SOLD IN RELIANCE ON THE EXEMPTION FROM REGISTRATION PROVIDED FROM REGULATIONS
UNDER THE SECURITIES ACT.  THE SECURITIES REPRESENTED BY THIS CERTIFICATE MAY
NOT BE OFFERED OR SOLD, EXCEPT PURSUANT TO REGISTRATION UNDER THE SECURITIES ACT
OR IN COMPLIANCE WITH RULE 144 PROMULGATED UNDER THE SECURITIES ACT OR ANOTHER
AVAILABLE EXEMPTION THEREFROM, OR UNLESS THE COMPANY HAS RECEIVED AN OPINION OF
COUNSEL THAT SUCH REGISTRATION IS NOT REQUIRED.

Date of Issuance:  December 2, 1999

                             DIGITALWORK.COM, INC.
                         COMMON STOCK PURCHASE WARRANT

     THIS CERTIFIES THAT, for value received, __________________________________
(the "Holder") is entitled, upon the terms and subject to the conditions
      ------
hereinafter set forth, at any time or from time to time, during the Term (as
defined in Section 1 below), to subscribe for and purchase from DigitalWork.com,
Inc., a Delaware corporation (the "Company"), fully paid and non-assessable
shares of its common stock, par value $.005 per share ("Common Stock"), for the
number of shares as shall be determined by applying the formula set forth in
Section 2 below.

     1.  Term of the Warrant.  This Warrant shall be exercisable by Holder from
         -------------------
(A) the day after the Securities and Exchange Commission (the "Commission")
declares effective (the "Effective Date") a registration statement on Form S-1
(or any successor form thereto) filed by the Company to register shares of
Common Stock in an initial public offering of Common Stock by the Company
("IPO") to (B) 5:00 p.m., Pacific Standard Time, on the one year anniversary of
  ---
the Effective Date.  The time between A and B above shall be referred to herein
as the "Term".
        ----

     2.  Number of Shares of Common Stock.  The number of shares of Common Stock
         --------------------------------
the Holder shall be entitled to purchase from the Company pursuant to this
Warrant shall equal WS as determined below, where:

     WS  =     [(W/X) times (Y)] - Z;

         Where

     WS  =     Number of shares of Common Stock covered by this Warrant.
     W   =     Number of shares of Common Stock that have been issued or are
               issuable to Holder upon conversion of its Series D Convertible
               Preferred Stock, par value $.005 per share ("Series D Preferred")
               at the Effective Date.
     X    =    Total number of shares of Common Stock that have been issued or
               are issuable to holders of Series D Preferred upon conversion of
               its Series D Preferred Stock at the Effective Date.

<PAGE>

     Y    =    Ten percent (10%) of the total number of shares of Common Stock
               issued by the Company in its IPO (exclusive of any over-allotment
               option that the Company may grant to the underwriters of such
               IPO).
     Z    =    Number of shares of Common Stock to be issued to the Holder in
               the IPO.

The formula above shall be applied using numbers as of the Effective Date.
Hereinafter, (i) the Common Stock of the Company, together with any other equity
securities which may be issued by the Company in substitution therefor, is
referred to as the "Common Stock," (ii) the shares of the Common Stock
                    ------------
purchasable hereunder are referred to as the "Warrant Shares," (iii) the
                                              --------------
aggregate exercise price payable for all of the Warrant Shares is referred to as
the "Aggregate Exercise Price," and (iv) the price payable hereunder for each of
     ------------------------
the Warrant Shares is referred to as the "Per Share Exercise Price," which shall
                                          ------------------------
be the price per share of the common stock in the IPO (without regard to
underwriting commission and discounts).

     3.   Exercisability.
          --------------

          (a)  Exercise of Warrant.  This Warrant may be exercised, in whole at
               -------------------
any time or in part from time to time, during the Term, by the Holder by the
surrender of this Warrant (with the subscription form at the end hereof duly
executed) at the principal office of the Company, which is currently located at
230 West Monroe Street, Suite 1950, Chicago, Illinois 60606, together with
proper payment of the Per Share Exercise Price for each of the Warrant Shares as
to which the Warrant is being exercised.  Payment for Warrant Shares shall be
made by certified or bank cashier's check, payable to the order of the Company.

          If this Warrant is exercised in part, this Warrant must be exercised
for a number of whole shares of the Common Stock and the Holder shall be
entitled to receive a new Warrant covering the number of Warrant Shares with
respect to which this Warrant has not been exercised.  Upon such surrender of
this Warrant, together with the subscription form at the end hereof duly
executed and proper payment of the Per Share Exercise Price for each of the
Warrant Shares as to which the Warrant is being exercised, the Company will (i)
issue, or cause the Company's transfer agent to issue, a certificate or
certificates in the name of the Holder for the largest number of whole shares of
the Common Stock to which the Holder shall be entitled and, if this Warrant is
exercised in whole, in lieu of any fractional share of the Common Stock to which
the Holder shall be entitled, cash equal to the Fair Market Value of such
fractional share (as hereinafter defined), and (ii) deliver the other securities
and properties receivable upon the exercise of this Warrant, if any, or the
proportionate part thereof if this Warrant is exercised in part, pursuant to the
provisions of this Warrant.

          (b)  Net Issue Exercise.  Notwithstanding provisions herein to the
               ------------------
contrary, in lieu of exercising this Warrant for cash, the Holder may elect to
receive shares equal to the value (as determined below) of this Warrant or such
portion to the Company with the net issue election notice annexed hereto duly
executed (or the portion thereof being cancelled) by surrender of this Warrant
at the principal office of the Company, in which event the Company shall issue
to the Holder such number of shares of Common Stock computed using the following
formula:

     X = Y  (A - B);
            --------
               A
                         X   =   The number of shares of Common Stock to be
                                 issued to the Holder;
<PAGE>

                         Y   =   The number of Warrant Shares or, if only a
                                 portion of the Warrant is being exercised, the
                                 portion of the Warrant being cancelled at the
                                 date on which the net issue election is
                                 delivered to the Company (the "Net Exercise
                                 Date");
                         A   =   The Fair Market Value (as hereinafter defined)
                                 of one share on the Net Exercise Date; and
                         B   =   The Per Share Exercise Price.

          (c)  Fair Market Value means:
               -----------------

               (i)   If shares of Common Stock are then listed or admitted to
trading on any national securities exchange or traded on any national market
system, the average of the daily closing prices for the five (5) trading days
before such date, excluding any trades which are not bona fide, arm's length
transactions. The closing price for each day shall be the last sale price on
such date or, if no such sale takes place on such date, the average of the
closing bid and asked prices on such date, in each case as officially reported
on the principal national securities exchange or national market system on which
such shares are then listed, admitted to trading or traded;

               (ii)  If no shares of Common Stock are then listed or admitted to
trading on any national securities exchange or traded on any national market
system for at least five (5) days, the average of the reported closing bid and
asked prices thereof on such date in the over-the-counter market as shown by the
National Association of Securities Dealers automated quotation system or, if
such shares are not then quoted in such system, as published by the National
Quotation Bureau, Incorporated or any similar successor organization, and in
either case as reported by any member firm of the New York Stock Exchange
selected by Holder;

               (iii) If no shares of Common Stock are then listed or admitted to
trading on any national exchange or traded on any national market system, if no
closing bid and asked prices thereof are then so quoted or published in the
over-the-counter market for at least five (5) days, the Fair Market Value of a
share of Common Stock shall be a determined in good faith by the mutual
agreement of the parties.

     4.   Reservation of Warrant Shares. The Company agrees that, prior to the
          -----------------------------
expiration of the Term, the Company will at all times have authorized and in
reserve, and will keep available, solely for issuance or delivery upon the
exercise of this Warrant, the shares of the Common Stock and other securities
and properties as from time to time shall be receivable upon the exercise of
this Warrant.

     5.   Adjustments.
          -----------

          (a)  Distribution With Respect to Common Stock.  If, at any time or
               -----------------------------------------
from time to time after the date of this Warrant, the Company shall distribute
to the holders of the Common Stock, without payment therefor, (i) securities,
other than shares of the Common Stock, or (ii) property, other than cash, with
respect to the Common Stock, then, and in each such case, the Holder, upon the
exercise of this Warrant, shall be entitled to receive the securities and
properties which the Holder would hold on the date of such exercise if, on the
date of such distribution, the Holder had been the holder of record of the
number of shares of the Common
<PAGE>

Stock subscribed for upon such exercise and, during the period from the date of
such distribution to and including the date of such exercise, had retained such
shares and the securities and properties receivable by the Holder during such
period.

          (b) Stock Splits, Etc.  If, at any time or from time to time after the
              ------------------
Effective Date, the Company shall issue to the holders of the Common Stock
shares of the Common Stock by way of a stock dividend or stock split, then, and
in each such case, the Per Share Exercise Price shall be adjusted, or further
adjusted, to a price (to the nearest whole cent) determined by dividing (i) an
amount equal to the number of shares of the Common Stock outstanding immediately
prior to such issuance multiplied by the Per Share Exercise Price as it existed
immediately prior to such issuance by (ii) the total number of shares of Common
Stock outstanding immediately after such issuance.  Upon each such adjustment in
the Per Share Exercise Price, the number of Warrant Shares shall be adjusted by
dividing the Aggregate Exercise Price by the Per Share Exercise Price in effect
immediately after such adjustment.

          (c) Reverse Splits, Etc.  If, at any time or from time to time after
              --------------------
the Effective Date, the number of shares of Common Stock outstanding is
decreased by way of combination of shares or reverse split, then, and in each
such case, the Per Share Exercise Price shall be adjusted, or further adjusted,
to a price (to the nearest whole cent) determined by dividing (i) an amount
equal to the number of shares of the Common Stock outstanding immediately prior
to such event multiplied by the Per Share Exercise Price as it existed
immediately prior to such event by (ii) the total number of shares of the Common
Stock outstanding immediately after such event.  Upon each such adjustment in
the Per Share Exercise Price, the number of Warrant Shares shall be adjusted by
dividing the Aggregate Exercise Price by the Per Share Exercise Price in effect
immediately after such adjustment.

     6.   Notice of Change of Control. The Company shall provide advance notice
          ---------------------------
to the Holder of this Warrant of any reorganization, consolidation, merger or
other such transaction as soon as practicable, but in no event less than 10 days
prior to the consummation of any such transaction in order to allow the Holder
to exercise this Warrant prior to such consummation.

     7.   Fully Paid Stock; Taxes.  The Company agrees that the shares of the
          -----------------------
Common Stock represented by each and every certificate for Warrant Shares
delivered on the exercise of this Warrant shall, at the time of such delivery,
be validly issued and outstanding, fully paid and non-assessable.  The Company
further covenants and agrees that it will pay, when due and payable, any and all
federal and state stamp, original issue or similar taxes which may be payable in
respect of the issue of any Warrant Share or certificate therefor; provided,
however, that the Company shall not be required to pay any tax which may be
payable in respect of any transfer involved in the issuance of any certificate
for Warrant Shares in a name other than that of the Holder upon any exercise of
this Warrant.

     8.   Restrictions on Transferability of Securities; Compliance with
          --------------------------------------------------------------
Securities Act.
--------------

          (a) Restrictions on Transferability.  The transferability of this
              -------------------------------
Warrant and the Warrant Shares (as well as any other securities issued in
respect of the Warrant Shares upon any stock split, stock dividend,
recapitalization, merger, consolidation or similar event) shall be subject to
the conditions specified in this Section 8, which conditions are intended to
ensure compliance with the provisions of the Securities Act of 1933 (the "Act")
and applicable state securities laws.  The Holder, and any transferee of this
Warrant or the Warrant Shares, by its
<PAGE>

acceptance hereof or thereof, agrees that this Warrant and the Warrant Shares
will be taken and held subject to the provisions and upon the conditions
specified in this Section 8. All of the rights of a holder of this Warrant may
only be transferred by the holder to the following: (i) if holder is a
partnership, any partner or retired partner of such Purchaser, (ii) if the
holder is an individual, any family member of or trust for the benefit of such
holder, (iii) if the holder is a corporation, any shareholder of such holder,
(iv) if the holder is a limited liability company, to a member of such holder,
or (v) any transferee who acquires at least $500,000 of the Common Stock of the
Company; provided, that, such transfer otherwise complies with all applicable
state and federal securities laws. For purposes of determining the availability
of any rights under this Warrant, all shares of capital stock of the Company
held or acquired by affiliated persons or persons under common management shall
be aggregated together and treated as one such holder.

          (b)  Restrictive Legend.  This Warrant and each certificate
               ------------------
representing (i) the Warrant Shares or (ii) any other securities issued in
respect of the Warrant Shares upon any stock split, stock dividend,
recapitalization, merger, consolidation or similar event, shall (unless
otherwise permitted or unless the securities evidenced by such certificate shall
have been registered under the Act) be stamped or otherwise imprinted with a
legend substantially in the following form, and shall be subject to the
provisions thereof:

               "THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE
          NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
          AMENDED (THE "SECURITIES ACT"), AND HAVE BEEN SOLD IN
                        ---------------
          RELIANCE ON THE EXEMPTION FROM REGISTRATION PROVIDED FROM
          REGULATIONS UNDER THE SECURITIES ACT. THE SECURITIES
          REPRESENTED BY THIS CERTIFICATE MAY NOT BE OFFERED OR SOLD,
          DIRECTLY OR INDIRECTLY, EXCEPT PURSUANT TO A REGISTRATION
          STATEMENT UNDER THE SECURITIES ACT OR IN COMPLIANCE WITH
          RULE 144 PROMULGATED UNDER THE SECURITIES ACT OR ANOTHER
          AVAILABLE EXEMPTION THEREFROM, OR UNLESS THE COMPANY HAS
          RECEIVED AN OPINION OF COUNSEL THAT SUCH REGISTRATION IS NOT
          REQUIRED."

     8.   Registration Rights.  The Warrant Shares shall be deemed to be
          -------------------
Registrable Stock and Series D Registrable Stock as provided in that certain
Amended and Restated Registration Rights Agreement, dated as of December 2,
1999, among the Company and each of the persons listed as an Investor on the
signature pages hereto, for the purpose of registration rights of the Holders.

     9.   Warrant Register.  This Warrant is transferable only upon the books of
          ----------------
the Company, which it shall cause to be maintained for such purpose.  The
Company may treat the registered holder of this Warrant as he, she or it appears
on the Company's books at any time as the Holder for all purposes,
notwithstanding the Company's receipt of any notice to the contrary.

     10.  Loss, Etc., of Warrant.  Upon receipt of evidence satisfactory to the
          ----------------------
Company of the loss, theft, destruction or mutilation of this Warrant, and of
indemnity reasonably satisfactory to the Company, if lost, stolen or destroyed,
and upon surrender and cancellation of this Warrant
<PAGE>

if mutilated, and upon reimbursement of the Company's reasonable incidental
expenses, the Company shall execute and deliver to the Holder a new Warrant of
like date, tenor and denomination.

     11.  Notices.  Any notice required in connection with this Agreement shall
          -------
be conclusively deemed to have been duly given (i) when hand delivered to the
other party; or (ii) when received when sent by telex or facsimile at the
address and number set forth below (provided, that notices given by facsimile
shall not be effective unless either (a) a duplicate copy of such facsimile
notice is promptly given by depositing same in a United States post office with
first-class postage prepaid and addressed to the parties as set forth below, or
(b) the receiving party delivers a written confirmation of receipt for such
notice either by facsimile or any other method permitted under this paragraph;
additionally, any notice given by telex or facsimile shall be deemed received on
the next business day if such notice is received after 5:00 p.m. (recipient's
time) or on a nonbusiness day); or three (3) business days after the same have
been deposited in a United States post office with first class or certified mail
return receipt requested postage prepaid and addressed to the parties as set
forth below; or (iii) the next business day after same have been deposited with
a national overnight delivery service reasonably approved by the parties
(Federal Express and DHL WorldWide Express being deemed approved by the
parties), postage prepaid, addressed to the parties as set forth below with
next-business-day delivery guaranteed, provided that the sending party receives
a confirmation of delivery from the delivery service provider.

          To the Company:     DigitalWork.com, Inc.
                              230 West Monroe Street, Suite 1950
                              Chicago, Illinois 60606
                              Attn:  Craig Terrill, President

          To Holder:          at the last known address provided to the Company

          With a Copy to:     Buchalter, Nemer, Fields & Younger
                              601 South Figueroa Street, Suite 2400
                              Los Angeles, California 90017
                              Attn: Rick Cohen, Esq.

          The Company and the Holder may change the address to which such
notices are to be addressed to them by giving the other party notice in the
manner set forth herein.

     12.  Headings.  The headings of this Warrant have been inserted as a matter
          --------
of convenience and shall not affect the construction hereof.

     13.  Severability.  If any part, term or provision of this Warrant shall
          ------------
for any reason be found invalid, illegal or in conflict with any valid
controlling law by the Commission or a court or other tribunal of competent
jurisdiction, such term or conflict shall be separated from this Warrant and
such invalidity, illegality, unenforceability or conflict shall not affect any
other term or provision hereof and this Agreement shall be interpreted and
construed as if such term or
<PAGE>

provision, to the extent the same shall have been held invalid, illegal,
enforceable or in conflict, had never been contained herein.

     14.  Applicable Law.  This Warrant shall be governed by and construed in
          --------------
accordance with the internal laws of the State of Delaware.

     IN WITNESS WHEREOF, DigitalWork.com, Inc. has caused this Warrant to be
executed by its officers thereunto authorized.

                                    DIGITALWORK.COM, INC.

                                    By:_____________________________
                                    Name:  Craig A Terrill
                                    Title: President

ATTEST:

By:_______________________________
Name:  Robert A. Schultz
Title: Secretary
<PAGE>

                              FORM OF ASSIGNMENT
                              ------------------

                      (To Be Signed Only Upon Assignment)

     FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfers
unto ___________________________ the right to purchase _____________ shares of
Common Stock evidenced by the within Warrant, and hereby appoints
_____________________ to transfer the same on the books of DigitalWork.com, Inc.
with full power of substitution in the premises.

Date:  _____________, _____

                                             ___________________________________
                                             (Signature)

     Note:  Signature must conform in all respects to the name of the Warrant
            Holder as specified on the face of this Warrant in every particular,
            without alteration or enlargement or any change whatsoever, and the
            signature must be guaranteed in the usual manner.

                                             Signature Guaranteed:______________
<PAGE>

                                 EXERCISE FORM
                                 -------------

          (To Be Executed By The Warrant Holder If The Holder Desires
                 To Exercise The Warrant In Whole Or In Part)

TO:  DigitalWork.com, Inc.

     The undersigned hereby irrevocably elects to exercise the right of purchase
represented by the Warrant for, and for purchase thereunder,
______________________ shares of Common Stock provided for therein and tenders
payment herewith to the order of DigitalWork.com, Inc. in the amount of $
___________.  The undersigned requests that certificates for such shares of
Common Stock be issued as follows:

Name: _____________________________

Address: __________________________
___________________________________

Attention: ________________________

Date: _____________________________

                                        By: ___________________________________
<PAGE>

                           NET ISSUE ELECTION NOTICE
                           -------------------------

To:  DigitalWork.com, Inc.

     The undersigned hereby elects, pursuant to Section 3(b) of the attached
Warrant, to surrender the right to purchase ___________ shares of Common Stock.
The Certificate(s) for the shares issuable upon such net issue election shall be
issued in the name of the undersigned or as otherwise indicated below.

Date:
                                   _____________________________________
                                   Signature

                                   _____________________________________
                                   Name for Registration

                                   _____________________________________
                                   Mailing Address

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