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Exhibit 10.3  

        
THE SECURITIES WHICH ARE THE SUBJECT OF THIS AGREEMENT HAVE NOT BEEN QUALIFIED WITH THE COMMISSIONER OF CORPORATIONS OF THE STATE OF CALIFORNIA AND THE ISSUANCE OF SUCH SECURITIES OR THE PAYMENT OR
RECEIPT OF ANY PART OF THE CONSIDERATION THEREFOR PRIOR TO SUCH QUALIFICATION IS UNLAWFUL, UNLESS THE SALE OF SECURITIES IS EXEMPT FROM QUALIFICATION BY SECTION 25100, 25102, OR 25105 OF THE
CALIFORNIA CORPORATIONS CODE. THE RIGHTS OF ALL PARTIES TO THIS AGREEMENT ARE EXPRESSLY CONDITIONED UPON SUCH QUALIFICATION BEING OBTAINED, UNLESS THE SALE IS SO EXEMPT. 

        THE
SECURITIES WHICH ARE THE SUBJECT OF THIS AGREEMENT HAVE BEEN ACQUIRED FOR INVESTMENT AND NOT WITH A VIEW TO, OR IN CONNECTION WITH, THE SALE OR DISTRIBUTION THEREOF. NO SUCH SALE OR
DISPOSITION MAY BE EFFECTED WITHOUT AN EFFECTIVE REGISTRATION STATEMENT RELATED THERETO OR AN OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT SUCH REGISTRATION IS NOT REQUIRED UNDER THE SECURITIES
ACT OF 1933. 

 
 

CCCI HOLDINGS, INC.
  STOCK OPTION AGREEMENT    
    

        CCCI Holdings, Inc. has granted to the Participant named in the Notice of Grant of
StockOption (the "Grant Notice")
to which this Stock Option Agreement (the "Option Agreement") is attached an option (the  "Option") to purchase certain shares of Stock upon the terms and conditions set forth in the Grant
Notice and this Option Agreement. The Option has been granted pursuant to and shall in all respects be subject to the terms and conditions of the CCCI Holdings, Inc. 2006 Stock Plan (the  "Plan"), as amended to the Date of Grant, the provisions of which are incorporated herein by reference.
By signing the Grant Notice, the Participant: (a) acknowledges receipt of, and represents that the Participant has read and is familiar with the terms and conditions of, the Grant Notice, this
Option Agreement and the Plan, (b) accepts the Option subject to all of the terms and conditions of the Grant Notice, this Option Agreement and the Plan, and (c) agrees to accept as
binding, conclusive and final all decisions or interpretations of the Board upon any questions arising under the Grant Notice, this Option Agreement or the Plan. 

        1.    DEFINITIONS AND CONSTRUCTION.    

    1.1    Definitions.    Unless otherwise defined herein, capitalized
terms shall have the meanings assigned to such terms in the Grant Notice or the Plan. 

    1.2    Construction.    Captions and titles contained herein are for
convenience only and shall not affect the meaning or interpretation of any provision of this Option Agreement. Except when otherwise indicated by the context, the singular shall include the plural and
the plural shall include the singular. Use of the term "or" is not intended to be exclusive, unless the context clearly requires otherwise. 

        2.    TAX CONSEQUENCES.    

    2.1    Tax Status of Option.    This Option is intended to have the
tax status designated in the Grant Notice. 

        (a)   Incentive Stock Option.    If the Grant Notice so designates, this Option is intended
to be an Incentive Stock Option within the meaning of Section 422(b) of the Code, but the Company does not represent or warrant that this Option qualifies as such. The Participant should
consult with the Participant's own tax advisor regarding the tax effects of this Option and the requirements necessary to obtain favorable income tax treatment under Section 422 of 

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the
Code, including, but not limited to, holding period requirements. (NOTE TO PARTICIPANT: If the Option is exercised more than three (3) months after the date on which you cease to be an
Employee (other than by reason of your death or permanent and total disability as defined in Section 22(e)(3) of the Code), the Option will be treated as a Nonstatutory Stock Option and not as
an Incentive Stock Option to the extent required by Section 422 of the Code.) 

        (b)   Nonstatutory Stock Option.    If the Grant Notice so designates, this Option is intended to be a Nonstatutory
Stock Option and shall not be treated as an Incentive Stock Option within the meaning of Section 422(b) of the Code. 

    2.2    ISO Fair Market Value Limitation.    If the Grant Notice
designates this Option as an Incentive Stock Option, then to the extent that the Option (together with all Incentive Stock Options granted to the Participant under all stock
option plans of the Participating Company Group, including the Plan) becomes exercisable for the first time during any calendar year for shares having a Fair Market Value greater than One Hundred
Thousand Dollars ($100,000), the portion of such options which exceeds such amount will be treated as Nonstatutory Stock Options. For purposes of this Section 2.2, options
designated as Incentive Stock Options are taken into account in the order in which they were granted, and the Fair Market Value of stock is determined as of the time the option with respect to such
stock is granted. If the Code is amended to provide for a different limitation from that set forth in this Section 2.2, such different limitation shall be deemed incorporated herein effective
as of the date required or permitted by such amendment to the Code. If the Option is treated as an Incentive Stock Option in part and as a Nonstatutory Stock Option in part by reason of the limitation
set forth in this Section 2.2, the Participant may designate which portion of such Option the Participant is exercising. In the absence of such designation, the Participant shall be deemed to
have exercised the Incentive Stock Option portion of the Option first. Separate certificates representing each such portion shall be issued upon the exercise of the Option. (NOTE TO PARTICIPANT: If
the aggregate Exercise Price of the Option (that is, the Exercise Price multiplied by the Number of Option Shares) plus the aggregate exercise price of any other Incentive Stock Options you hold
(whether granted pursuant to the Plan or any other stock option plan of the Participating Company Group) is greater than $100,000, you should contact the Chief Financial Officer of the Company to
ascertain whether the entire Option qualifies as an Incentive Stock Option.) 

        3.    ADMINISTRATION.    All questions of interpretation concerning the Grant Notice, this
Option Agreement and the Plan shall be determined by the Board. All determinations by the Board shall be final and binding upon all persons having an interest in the Option. Any Officer shall have the
authority to act on behalf of the Company with respect to any matter, right, obligation, or election which is the responsibility of or which is allocated to the Company herein, provided the Officer
has apparent authority with respect to such matter, right, obligation, or election. 

        4.    EXERCISE OF THE OPTION.    

    4.1    Right to Exercise.    Except as otherwise provided herein, the
Option shall be exercisable on and after the Initial Vesting Date and prior to the termination of the Option (as provided in Section 6) in an amount not to exceed the number of Vested Shares
less the number of shares previously acquired upon exercise of the Option, subject to the Company's repurchase rights set forth in Section 11. In no event shall the Option be exercisable for
more shares than the Number of Option Shares, as adjusted pursuant to Section 9. 

    4.2    Method of Exercise.    Exercise of the Option shall be by means
of electronic or written notice (the "Exercise Notice") in a form authorized by the Company. An
electronic Exercise Notice must be digitally signed or authenticated by the Participant in such manner as required by the notice and transmitted to the Company or an authorized representative of the
Company (including 

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a
third-party administrator designated by the Company). In the event that the Participant is not authorized or is unable to provide an electronic Exercise Notice, the Option shall be exercised by a
written Exercise Notice addressed to the Company, which shall be signed by the Participant and delivered in person, by certified or registered mail, return receipt requested, by confirmed facsimile
transmission, or by such other means as the Company may permit, to the Company, or an authorized representative of the Company (including a third-party administrator designated by the Company). Each
Exercise Notice, whether electronic or written, must state the Participant's election to exercise the Option, the number of whole shares of Stock for which the Option is being exercised and such other
representations and agreements as to the Participant's investment intent with respect to such shares as may be required pursuant to the provisions of this Option Agreement. Further, each Exercise
Notice must be received by the Company prior to the termination of the Option as set forth in Section 6 and must be accompanied by full payment of the aggregate Exercise Price for the number of
shares of Stock being purchased. The Option shall be deemed to be exercised upon receipt by the Company of such electronic or written Exercise Notice and the aggregate Exercise Price. 

    4.3    Payment of Exercise Price.    

        (a)   Forms of Consideration Authorized.    Except as otherwise provided below, payment of
the aggregate Exercise Price for the number of shares of Stock for which the Option is being exercised shall be made (i) in cash or by check or cash equivalent, (ii) if permitted by the
Company, by tender to the Company, or attestation to the ownership, of whole shares of Stock owned by the Participant having a Fair Market Value not less than the aggregate Exercise Price,
(iii) by means of a Cashless Exercise, as defined in Section 4.3(b), or (iv) by any combination of the foregoing. 

        (b)   Limitations on Forms of Consideration.

        (i)    Tender of Stock.    Notwithstanding the foregoing, the Option may not be exercised by tender to the Company, or
attestation to the ownership, of shares of Stock to the extent such tender or attestation would constitute a violation of the provisions of any law, regulation or agreement restricting the redemption
of the Company's stock. If required by the Company, the Option may not be exercised by tender to the Company, or attestation to the ownership, of shares of Stock unless such shares either have been
owned by the Participant for more than six (6) months or such other period, if any, required by the Company (and not used for another option exercise by attestation during such period) or were
not acquired, directly or indirectly, from the Company. 

        (ii)   Cashless Exercise.    A "Cashless
Exercise" means the delivery of a properly executed notice together with irrevocable instructions to a broker in a form acceptable to the Company
providing for the assignment to the Company of the proceeds of a sale or loan with respect to some or all of the shares of Stock acquired upon the exercise of the Option pursuant to a program or
procedure approved by the Company (including, without limitation, through an exercise complying with the provisions of Regulation T as promulgated from time to time by the Board of Governors of
the Federal Reserve System). The Company reserves, at any and all times, the right, in the Company's sole and absolute discretion, to establish, decline to approve, or terminate any such program or
procedure, including with respect to the Participant notwithstanding that such program or procedures may be available to others. 

    4.4    Tax Withholding.    At the time the Option is exercised, in
whole or in part, or at any time thereafter as requested by the Company, the Participant hereby authorizes withholding from payroll and any other amounts payable to the Participant, and otherwise
agrees to make adequate provision for (including by means of a Cashless Exercise to the extent permitted by the Company), 

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any
sums required to satisfy the federal, state, local and foreign tax withholding obligations of the Participating Company Group, if any, which arise in connection with the Option. The Company shall
have no obligation to deliver shares of Stock until the tax withholding obligations of the Participating Company Group have been satisfied by the Participant. 

    4.5    Certificate Registration.    Except in the event the Exercise
Price is paid by means of a Cashless Exercise, the certificate for the shares as to which the Option is exercised shall be registered in the name of the Participant, or, if applicable, in the names of
the heirs of the Participant. 

    4.6    Restrictions on Grant of the Option and Issuance of
Shares.    The grant of the Option and the issuance of shares of Stock upon exercise of the Option shall be subject to compliance with all
applicable requirements of federal, state or foreign law with respect to such securities. The Option may not be exercised if the issuance of shares of Stock upon exercise would constitute a violation
of any applicable federal, state or foreign securities laws or other law or regulations or the requirements of any stock exchange or market system upon which the Stock may then be listed. In addition,
the Option may not be exercised unless (i) a registration statement under the Securities Act shall at the time of exercise of the Option be in effect with respect to the shares issuable upon
exercise of the Option or (ii) in the opinion of legal counsel to the Company, the shares issuable upon exercise of the Option may be issued in accordance with the terms of an applicable
exemption from the registration requirements of the Securities Act. THE PARTICIPANT IS CAUTIONED THAT THE OPTION MAY NOT BE EXERCISED UNLESS THE FOREGOING CONDITIONS ARE SATISFIED. ACCORDINGLY, THE
PARTICIPANT MAY NOT BE ABLE TO EXERCISE THE OPTION WHEN DESIRED EVEN THOUGH THE OPTION IS VESTED. The inability of the Company to obtain from any regulatory body having jurisdiction the authority, if
any, deemed by the Company's legal counsel to be necessary to the lawful issuance and sale of any shares subject to the Option shall relieve the Company of any liability in respect of the failure to
issue or sell such shares as to which such requisite authority shall not have been obtained. As a condition to the exercise of the Option, the Company may require the Participant to satisfy any
qualifications that may be necessary or appropriate, to evidence
compliance with any applicable law or regulation and to make any representation or warranty with respect thereto as may be requested by the Company. 

    4.7    Fractional Shares.    The Company shall not be required to
issue fractional shares upon the exercise of the Option. 

        5.    NONTRANSFERABILITY OF THE OPTION.    During the lifetime of the Participant, the Option
shall be exercisable only by the Participant or the Participant's guardian or legal representative. The Option shall not be subject in any manner to anticipation, alienation, sale, exchange, transfer,
assignment, pledge, encumbrance, or garnishment by creditors of the Participant or the Participant's beneficiary, except transfer by will or by the laws of descent and distribution. Following the
death of the Participant, the Option, to the extent provided in Section 7, may be exercised by the Participant's legal representative or by any person empowered to do so under the deceased
Participant's will or under the then applicable laws of descent and distribution. 

        6.    TERMINATION OF THE OPTION.    The Option shall terminate and may no longer be exercised
after the first to occur of (a) the close of business on the Option Expiration Date, (b) the close of business on the last date for exercising the Option following termination of the
Participant's Service as described in Section 7, or (c) a Change in Control to the extent provided in Section 8. 

        7.    EFFECT OF TERMINATION OF SERVICE.    

    7.1    Option Exercisability.    The Option shall terminate immediately upon the Participant's
termination of Service to the extent that it is then unvested and shall be exercisable after the 

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Participant's
termination of Service to the extent it is then vested only during the applicable time period as determined below and thereafter shall terminate. 

        (a)   Disability.    If the Participant's Service terminates because of the Disability of the
Participant, the Option, to the extent unexercised and exercisable for Vested Shares on the date on which the Participant's Service terminated, may be exercised by the Participant (or the
Participant's guardian or legal representative) at any time prior to the expiration of twelve (12) months after the date on which the Participant's Service terminated, but in any event no later
than the Option Expiration Date. 

        (b)   Death.    If the Participant's Service terminates because of the death of the
Participant, the Option, to the extent unexercised and exercisable for Vested Shares on the date on which the Participant's Service
terminated, may be exercised by the Participant's legal representative or other person who acquired the right to exercise the Option by reason of the Participant's death at any time prior to the
expiration of twelve (12) months after the date on which the Participant's Service terminated, but in any event no later than the Option Expiration Date. The Participant's Service shall be
deemed to have terminated on account of death if the Participant dies within three (3) months after the Participant's termination of Service. 

        (c)   Termination for Cause.    Notwithstanding any other provision of this Option Agreement, if the Participant's
Service is terminated for Cause, the Option shall terminate and cease to be exercisable immediately upon such termination of Service. 

        (d)   Other Termination of Service.    If the Participant's Service terminates for any
reason, except Disability, death or Cause, the Option, to the extent unexercised and exercisable for Vested Shares by the Participant on the date on which the Participant's Service terminated, may be
exercised by the Participant at any time prior to the expiration of three (3) months after the date on which the Participant's Service terminated, but in any event no later than the Option
Expiration Date. 

    7.2    Extension if Exercise Prevented by Law.    Notwithstanding the
foregoing other than termination for Cause, if the exercise of the Option within the applicable time periods set forth in Section 7.1 is prevented by the provisions of Section 4.6, the
Option shall remain exercisable until three (3) months after the date the Participant is notified by the Company that the Option is exercisable, but in any event no later than the Option
Expiration Date. 

        8.    EFFECT OF CHANGE IN CONTROL.    In the event of a Change in Control, the surviving,
continuing, successor, or purchasing entity or parent thereof, as the case may be (the "Acquiror"), may,
without the consent of the Participant, assume or continue in full force and effect the Company's rights and obligations under the Option or any portion thereof or substitute for the Option or any
portion thereof a substantially equivalent option for the Acquiror's stock. For purposes of this Section, the Option shall be deemed assumed if, following the Change in Control, the Option confers the
right to receive, subject to the terms and conditions of the Plan and this Option Agreement, for each share of Stock subject to the Option immediately prior to the Change in Control, the consideration
(whether stock, cash, other securities or property or a combination thereof) to which a holder of a share of Stock on the effective date of the Change in Control was entitled; provided, however, that
if such consideration is not solely common stock of the Acquiror, the Board may, with the consent of the Acquiror, provide for the consideration to be received upon the exercise of the Option, for
each share of Stock subject to the Option, to consist solely of common stock of the Acquiror equal in Fair Market Value to the per share consideration received by holders of Stock pursuant to the
Change in Control. The Option shall terminate and cease to be outstanding effective as of the time of consummation of the Change in Control to the extent that the Option is neither assumed or
continued by the Acquiror in connection with the Change in Control nor exercised as of the date of the Change in Control. 

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Notwithstanding
the foregoing, shares acquired upon exercise of the Option prior to the Change in Control and any consideration received pursuant to the Change in Control with respect to such shares
shall continue to be subject to all applicable provisions of this Option Agreement except as otherwise provided herein. 

        9.    ADJUSTMENTS FOR CHANGES IN CAPITAL STRUCTURE.    Subject to any required action by the
stockholders of the Company, in the event of any change in the Stock effected without receipt of consideration by the Company, whether through merger, consolidation, reorganization, reincorporation,
recapitalization, reclassification, stock dividend, stock split, reverse stock split, split-up, split-off, spin-off, combination of shares, exchange of shares, or
similar change in the capital structure of the Company, or in the event of payment of a dividend or distribution to the stockholders of the Company in a form other than Stock (excepting normal cash
dividends) that has a material effect on the Fair Market Value of shares of Stock, appropriate and proportionate adjustments shall be made in the number, Exercise Price and kind of shares subject to
the Option, in order to prevent dilution or enlargement of the Participant's rights under the Option. For purposes of the foregoing, conversion of any convertible securities of the Company shall not
be treated as "effected without receipt of consideration by the Company." Any fractional share resulting from an adjustment pursuant to this Section shall be rounded down to the nearest whole number
and the Exercise Price shall be rounded up to the nearest whole cent. In no event may the Exercise Price be decreased to an amount less than the par value, if any, of the stock subject to the Option.
Such adjustments shall be determined by the Board, and its determination shall be final, binding and conclusive. 

        10.    RIGHTS AS A STOCKHOLDER, DIRECTOR, EMPLOYEE OR CONSULTANT.    The Participant shall
have no rights as a stockholder with respect to any shares covered by the Option until the date of the issuance of the shares for which the Option has been exercised (as evidenced by the appropriate
entry on the books of the Company or of a duly authorized transfer agent of the Company). No adjustment shall be made for dividends, distributions or other rights for which the record date is prior to
the date
the shares are issued, except as provided in Section 9. If the Participant is an Employee, the Participant understands and acknowledges that, except as otherwise provided in a separate, written
employment agreement between a Participating Company and the Participant, the Participant's employment is "at will" and is for no specified term. Nothing in this Option Agreement shall confer upon the
Participant any right to continue in the Service of a Participating Company or interfere in any way with any right of the Participating Company Group to terminate the Participant's Service as a
Director, an Employee or Consultant, as the case may be, at any time. 

        11.    RIGHT OF FIRST REFUSAL.    

    11.1    Grant of Right of First Refusal.    Except as provided in
Section 11.7 and Section 16 below, in the event the Participant, the Participant's legal representative, or other holder of shares acquired upon exercise of the Option proposes to sell,
exchange, transfer, pledge, or otherwise dispose of any Vested Shares (the "Transfer Shares") to any
person or entity, including, without limitation, any stockholder of a Participating Company, the Company shall have the right to repurchase the Transfer Shares under the terms and subject to the
conditions set forth in this Section 11 (the "Right of First Refusal"). 

    11.2    Notice of Proposed Transfer.    Prior to any proposed transfer
of the Transfer Shares, the Participant shall deliver written notice (the "Transfer Notice") to the
Company describing fully the proposed transfer, including the number of Transfer Shares, the name and address of the proposed transferee (the "Proposed
Transferee") and, if the transfer is voluntary, the proposed transfer price, and containing such information necessary to show the bona fide nature of
the proposed transfer. In the event of a bona fide gift or involuntary transfer, the proposed transfer price shall be deemed to be the Fair Market Value of the Transfer Shares, as determined by the
Board in good faith. If the Participant proposes to transfer any Transfer Shares to more than one Proposed 

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Transferee,
the Participant shall provide a separate Transfer Notice for the proposed transfer to each Proposed Transferee. The Transfer Notice shall be signed by both the Participant and the Proposed
Transferee and must constitute a binding commitment of the Participant and the Proposed Transferee for the transfer of the Transfer Shares to the Proposed Transferee subject only to the Right of First
Refusal. 

    11.3    Bona Fide Transfer.    If the Company determines that the
information provided by the Participant in the Transfer Notice is insufficient to establish the bona fide nature of a proposed voluntary transfer, the Company shall give the Participant written notice
of the Participant's failure to comply with the procedure described in this Section 11, and the Participant shall have no right to transfer the Transfer Shares without first complying with the
procedure described in this Section 11. The Participant shall not be permitted to transfer the Transfer Shares if the proposed transfer is not bona fide. 

    11.4    Exercise of Right of First Refusal.    If the Company
determines the proposed transfer to be bona fide, the Company shall have the right to purchase all, but not less than all, of the Transfer Shares (except as the Company and the Participant otherwise
agree) at the purchase price and on the terms set forth in the Transfer Notice by delivery to the Participant of a notice of exercise of the Right of First Refusal within thirty (30) days after
the date the Transfer Notice is delivered to the Company. The Company's exercise or failure to exercise the Right of First Refusal with respect to any proposed transfer described in a Transfer Notice
shall not affect the Company's right to exercise the Right of First Refusal with respect to any proposed transfer described in any other Transfer Notice, whether or not such other Transfer Notice is
issued by the Participant or issued by a person other than the Participant with respect to a proposed transfer to the same Proposed Transferee. If the Company exercises the Right of First Refusal, the
Company and the Participant shall thereupon consummate the sale of the Transfer Shares to the Company on the terms set forth in the Transfer Notice within sixty (60) days after the date the
Transfer Notice is delivered to the Company (unless a longer period is offered by the Proposed Transferee); provided, however, that in the event the Transfer Notice provides for the payment for the
Transfer Shares other than in cash, the Company shall have the option of paying for the Transfer Shares by the present value cash equivalent of the consideration described in the Transfer Notice as
reasonably determined by the Company. For purposes of the foregoing, cancellation of any indebtedness of the Participant to any Participating Company shall be treated as payment to the Participant in
cash to the extent of the unpaid principal and any accrued interest canceled. 

    11.5    Failure to Exercise Right of First Refusal.    If the Company
fails to exercise the Right of First Refusal in full (or to such lesser extent as the Company and the Participant otherwise agree) within the period specified in Section 11.4 above, the
Participant may conclude a transfer to the Proposed Transferee of the Transfer Shares on the terms and conditions described in the Transfer Notice, provided such transfer occurs not later than ninety
(90) days following delivery to the Company of the Transfer Notice. The Company shall have the right to demand further assurances from the Participant and the Proposed Transferee (in a form
satisfactory to the Company) that the transfer of the Transfer Shares was actually carried out on the terms and conditions described in the Transfer Notice. No Transfer Shares shall be transferred on
the books of the Company until the Company has received such assurances, if so demanded, and has approved the proposed transfer as bona fide. Any proposed transfer on terms and conditions different
from those described in the Transfer Notice, as well as any subsequent proposed transfer by the Participant, shall again be subject to the Right of First Refusal and shall require compliance by the
Participant with the procedure described in this Section 11. 

    11.6    Transferees of Transfer Shares.    All transferees of the
Transfer Shares or any interest therein, other than the Company, shall be required as a condition of such transfer to agree in writing (in a form satisfactory to the Company) that such transferee
shall receive and hold such 

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Transfer
Shares or interest therein subject to all of the terms and conditions of this Option Agreement, including this Section 11 providing for the Right of First Refusal with respect to any
subsequent transfer. Any sale or transfer of any shares acquired upon exercise of the Option shall be void unless the provisions of this Section 11 are met. 

    11.7    Transfers Not Subject to Right of First Refusal.    The Right
of First Refusal shall not apply to any transfer or exchange of the shares acquired upon exercise of the Option if such transfer or exchange is in connection with an Ownership Change Event. If the
consideration received pursuant to such transfer or exchange consists of stock of a Participating Company, such consideration shall remain subject to the Right of First Refusal unless the provisions
of Section 11.9 below result in a termination of the Right of First Refusal. 

    11.8    Assignment of Right of First Refusal.    The Company shall
have the right to assign the Right of First Refusal at any time, whether or not there has been an attempted transfer, to one or more persons as may be selected by the Company. 

    11.9    Early Termination of Right of First Refusal.    The other
provisions of this Option Agreement notwithstanding, the Right of First Refusal shall terminate and be of no further force and effect upon (a) the occurrence of a Change in Control, unless the
Acquiror assumes the Company's rights and obligations under the Option or substitutes a substantially equivalent option for the Acquiror's stock for the Option, or (b) the existence of a public
market for the class of shares subject to the Right of First Refusal. A "public market" shall be deemed
to exist if (i) such stock is listed on a national securities exchange (as that term is used in the Exchange Act) or (ii) such stock is traded on the
over-the-counter market and prices therefor are published daily on business days in a recognized financial journal. 

        12.    STOCK DISTRIBUTIONS SUBJECT TO OPTION AGREEMENT.    If, from time to time, there is any
stock dividend, stock split or other change, as described in Section 9, in the character or amount of any of the outstanding stock of the corporation the stock of which is subject to the
provisions of this Option Agreement, then in such event any and all new, substituted or additional securities to which the Participant is entitled by reason of the Participant's ownership of the
shares acquired upon exercise of the Option shall be immediately subject to the Right of First Refusal with the same force and effect as the shares subject to the Right of First Refusal immediately
before such event. 

        13.    NOTICE OF SALES UPON DISQUALIFYING DISPOSITION.    The Participant shall dispose of the
shares acquired pursuant to the Option only in accordance with the provisions of this Option Agreement. In addition, if the Grant Noticedesignates this Option as an Incentive Stock Option,
 the Participant shall (a) promptly notify the Chief Financial Officer of the Company if the
Participant disposes of any of the shares acquired pursuant to the Option within one (1) year after the date the Participant exercises all or part of the Option or within two (2) years
after the Date of Grant and (b) provide the Company with a description of the circumstances of such disposition. Until such time as the Participant disposes of such shares in a manner
consistent with the provisions of this Option Agreement, unless otherwise expressly authorized by the Company, the Participant shall hold all shares acquired pursuant to the Option in the
Participant's name (and not in the name of any nominee) for the one-year period immediately after the exercise of the Option and the two-year period immediately after Date of
Grant. At any time during the one-year or two-year periods set forth above, the Company may place a legend on any certificate representing shares acquired pursuant to the
Option requesting the transfer agent for the Company's stock to notify the Company of any such transfers. The obligation of the Participant to notify the Company of any such transfer shall continue
notwithstanding that a legend has been placed on the certificate pursuant to the preceding sentence. 

        14.    LEGENDS.    The Company may at any time place legends referencing the Right of First
Refusal and any applicable federal, state or foreign securities law restrictions on all certificates representing shares of stock subject to the provisions of this Option Agreement. The Participant
shall, 

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at
the request of the Company, promptly present to the Company any and all certificates representing shares acquired pursuant to the Option in the possession of the Participant in order to carry out
the provisions of this Section. Unless otherwise specified by the Company, legends placed on such certificates may include, but shall not be limited to, the following: 

    14.1    "THE SECURITIES EVIDENCED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, AND
MAY NOT BE SOLD, TRANSFERRED, ASSIGNED OR HYPOTHECATED UNLESS THERE IS AN EFFECTIVE REGISTRATION STATEMENT UNDER SUCH ACT COVERING SUCH SECURITIES, THE SALE IS MADE IN ACCORDANCE WITH RULE 144 OR RULE
701 UNDER THE ACT, OR THE COMPANY RECEIVES AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY, STATING THAT SUCH SALE, TRANSFER, ASSIGNMENT OR HYPOTHECATION IS EXEMPT FROM THE REGISTRATION
AND PROSPECTUS DELIVERY REQUIREMENTS OF SUCH ACT." 

    14.2    "THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFER, INCLUDING A RIGHT OF FIRST
REFUSAL OPTION IN FAVOR OF THE CORPORATION OR ITS ASSIGNEE SET FORTH IN AN AGREEMENT BETWEEN THE CORPORATION AND THE REGISTERED HOLDER, OR SUCH HOLDER'S PREDECESSOR IN INTEREST, A COPY OF WHICH IS ON
FILE AT THE PRINCIPAL OFFICE OF THIS CORPORATION." 

    14.3    "THE SHARES EVIDENCED BY THIS CERTIFICATE WERE ISSUED BY THE CORPORATION TO THE REGISTERED HOLDER UPON EXERCISE OF AN
INCENTIVE STOCK OPTION AS DEFINED IN SECTION 422 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("ISO"). IN ORDER TO OBTAIN THE PREFERENTIAL TAX
TREATMENT AFFORDED TO ISOs, THE SHARES SHOULD NOT BE TRANSFERRED PRIOR TO [INSERT DISQUALIFYING DISPOSITION DATE HERE]. SHOULD
THE REGISTERED HOLDER ELECT TO TRANSFER ANY OF THE SHARES PRIOR TO THIS DATE AND FOREGO ISO TAX TREATMENT, THE TRANSFER AGENT FOR THE SHARES SHALL NOTIFY THE CORPORATION IMMEDIATELY. THE REGISTERED
HOLDER SHALL HOLD ALL SHARES PURCHASED UNDER THE INCENTIVE STOCK OPTION IN THE REGISTERED HOLDER'S NAME (AND NOT IN THE NAME OF ANY NOMINEE) PRIOR TO THIS DATE OR UNTIL TRANSFERRED AS DESCRIBED
ABOVE." 

        15.    LOCK-UP AGREEMENT.    The Participant hereby agrees that in the event of
any underwritten public offering of stock, including an initial public offering of stock, made by the Company pursuant to an effective registration statement filed under the Securities Act, the
Participant shall not offer, sell, contract to sell, pledge, hypothecate, grant any option to purchase or make any short sale of, or otherwise dispose of any shares of stock of the Company or any
rights to acquire stock of the Company for such period of time from and after the effective date of such registration statement as may be established by the underwriter for such public offering;
provided, however, that such period of time shall not exceed one hundred eighty (180) days from the effective date of the registration statement to be filed in connection with such public
offering. The foregoing limitation shall not apply to shares registered in the public offering under the Securities Act. The Participant hereby agrees to enter into any agreement reasonably required
by the underwriters to implement the foregoing within a reasonable timeframe if so requested by the Company. 

        16.    RESTRICTIONS ON TRANSFER OF SHARES.    No shares acquired upon exercise of the Option
may be sold, exchanged, transferred (including, without limitation, any transfer to a nominee or agent of the Participant), assigned, pledged, hypothecated or otherwise disposed of, including by
operation of law in any manner which violates any of the provisions of this Option Agreement, and any such attempted disposition shall be void. The Company shall not be required (a) to transfer
on its 

9

 

books
any shares which will have been transferred in violation of any of the provisions set forth in this Option Agreement or (b) 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 will have been so transferred. 

        17.    MISCELLANEOUS PROVISIONS.    

    17.1    Further Instruments.    The parties hereto agree to execute such further instruments
and to take such further action as may reasonably be necessary to carry out the intent of this Option Agreement. 

    17.2    Binding Effect.    Subject to the restrictions on transfer set forth herein, this
Option Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective heirs, executors, administrators, successors and assigns. 

    17.3    Termination or Amendment.    The Board may terminate or amend the Plan or the Option
at any time; provided, however, that except as provided in Section 8 in connection with a Change in Control, no such termination or amendment may adversely affect the Option or any unexercised
portion hereof without the consent of the Participant unless such termination or amendment is necessary to comply with any applicable law or government regulation. No amendment or addition to this
Option Agreement shall be effective unless in writing. 

    17.4    Delivery of Documents and Notices.    Any document relating to participation in the
Plan, or any notice required or permitted hereunder shall be given in writing and shall be deemed effectively given (except to the extent that this Option Agreement provides for effectiveness only
upon actual receipt of such notice) upon personal delivery electronic delivery at the e-mail address, if any, provided for the Participant by the Participating Company, or, upon deposit in
the U.S. Post Office or foreign postal service, by registered or certified mail, or with a nationally recognized overnight courier service with postage and fees prepaid, addressed to the other party
at the address of such party set forth in the Grant Notice or at such other address as such party may designate in writing from time to time to the other party. 

        (a)   Description of Electronic Delivery.    The Plan documents, which may include but do not
necessarily include: the Plan, the Grant Notice, this Option Agreement, and any reports of the Company provided generally to the Company's shareholders, may be delivered to the Participant
electronically. In addition, if permitted by the Company, the Participant may deliver electronically the Grant Notice and Exercise Notice called for by Section 4.2 to the Company or to such
third party involved in administering the Plan as the Company may designate from time to time. Such means of electronic delivery may include but do not necessarily include the delivery of a link to a
Company intranet or the internet site of a third party involved in administering the Plan, the delivery of the document via e-mail or such other means of electronic delivery specified by
the Company. 

        (b)   Consent to Electronic Delivery.    The Participant acknowledges that the Participant has read
Section 17.4(a) of this Option Agreement and consents to the electronic delivery of the Plan documents and, if permitted by the Company, the delivery of the Grant Notice and Exercise Notice, as
described in Section 17.4(a). The Participant acknowledges that he or she may receive from the Company a paper copy of any documents delivered electronically at no cost to the Participant by
contacting the Company by telephone or in writing. The Participant further acknowledges that the Participant will be provided with a paper copy of any documents if the attempted electronic delivery of
such documents fails. Similarly, the Participant understands that the Participant must provide the Company or any designated third party administrator with a paper copy of any documents if the
attempted electronic delivery of such documents fails. The Participant may revoke his or her consent to the electronic delivery of documents described in Section 17.4(a) or may change the
electronic 

10

 

mail
address to which such documents are to be delivered (if Participant has provided an electronic mail address) at any time by notifying the Company of such revoked consent or revised
e-mail address by telephone, postal service or electronic mail. Finally, the Participant understands that he or she is not required to consent to electronic delivery of documents described
in Section 17.4(a). 

    17.5    Integrated Agreement.    The Grant Notice, this Option Agreement and the Plan,
together with any employment, service or other agreement with the Participant and a Participating Company referring to the Option, shall constitute the entire understanding and agreement of the
Participant and the Participating Company Group with respect to the subject matter contained herein or therein and supersede any prior agreements, understandings, restrictions, representations, or
warranties among the
Participant and the Participating Company Group with respect to such subject matter. To the extent contemplated herein or therein, the provisions of the Grant Notice, the Option Agreement and the Plan
shall survive any exercise of the Option and shall remain in full force and effect. 

    17.6    Applicable Law.    This Option Agreement shall be governed by the laws of the State of
California as such laws are applied to agreements between California residents entered into and to be performed entirely within the State of California. 

    17.7    Counterparts.    The Grant Notice may be executed in counterparts, each of which shall
be deemed an original, but all of which together shall constitute one and the same instrument. 

11

  

	o Incentive Stock Option	 	Participant:	 	

	

o Nonstatutory Stock Option	
 	

Date:	
 	

	
STOCK OPTION EXERCISE NOTICE
	

CCCI Holdings, Inc.

Attention: Chief Financial Officer	
 	

 	
 	

 
	

	
 	

 	
 	

 
	
	 	 	 	 

Ladies
and Gentlemen: 

        1.    Option.    I was granted an option (the  "Option") to purchase shares of the common stock (the  "Shares") of CCCI Holdings, Inc. (the  "Company") pursuant to the Company's 2006 Stock Plan (the  "Plan"), my Notice of Grant of Stock Option (the "Grant
Notice") and my Stock Option Agreement (the "Option
Agreement") as follows: 

	

Date of Grant:	
 	
 	

 
	 	 	

	

Number of Option Shares:	
 	
 	

 
	 	 	

	

Exercise Price per Share:	
 	
$	

 
	 	 	

        2.    Exercise of Option.    I hereby elect to exercise the
Option to
purchase the following number of Shares, all of which are Vested Shares, in accordance with the Grant Notice and the Option Agreement: 

	

Total Shares Purchased:	
 	
 	

 
	 	 	

	

Total Exercise Price (Total Shares X Price per Share)	
 	
$	

 
	 	 	

        3.    Payments.    I enclose payment in full of the total exercise price for the Shares in the
following form(s), as authorized by my Option Agreement: 

	

o Cash:	
 	
$	

 
	 	 	

	

o Check:	
 	
$	

 
	 	 	

	

o Tender of Company Stock:	
 	
 	

Contact Plan Administrator

        4.    Tax Withholding.    I authorize payroll withholding and otherwise will make adequate
provision for the federal, state, local and foreign tax withholding obligations of the Company, if any, in connection with the Option. If I am exercising a Nonstatutory Stock Option, I enclose payment
in full of my withholding taxes, if any, as follows: 

(Contact Plan Administrator for amount of tax due.)  

	

o Cash:	
 	
$	

 
	 	 	

	

o Check:	
 	
$	

 
	 	 	

1

 

        5.    Participant Information.    

	

My address is:	

	

 	

	

My Social Security Number is:	

        6.    Notice of Disqualifying Disposition.    If the Option is an Incentive Stock Option, I
agree that I will promptly notify the Chief Financial Officer of the Company if I transfer any of the Shares within one (1) year from the date I exercise all or part of the Option or within two
(2) years of the Date of Grant. 

        7.    Binding Effect.    I agree that the Shares are being acquired in accordance with and
subject to the terms, provisions and conditions of the Grant Notice, the Option Agreement, including the Right of First Refusal set forth therein, and the Plan, to all of which I hereby expressly
assent. This Agreement shall inure to the benefit of and be binding upon my heirs, executors, administrators, successors and assigns. 

        8.    Transfer.    I understand and acknowledge that the Shares have not been registered under
the Securities Act of 1933, as amended (the "Securities Act"), and that consequently the Shares must be
held indefinitely unless they are subsequently registered under the Securities Act, an exemption from such registration is available, or they are sold in accordance with Rule 144 or
Rule 701 under the Securities Act. I further understand and acknowledge that the Company is under no obligation to register the Shares. I understand that the certificate or certificates
evidencing the Shares will be imprinted with legends which prohibit the transfer of the Shares unless they are registered or such registration is not required in the opinion of legal counsel
satisfactory to the Company. 

        I
am aware that Rule 144 under the Securities Act, which permits limited public resale of securities acquired in a nonpublic offering, is not currently available with respect to
the Shares and, in any event, is available only if certain conditions are satisfied. I understand that any sale of the Shares that might be made in reliance upon Rule 144 may only be made in
limited amounts in accordance with the terms and conditions of such rule and that a copy of Rule 144 will be delivered to me upon request. 

        I
understand that I am purchasing the Shares pursuant to the terms of the Plan, the Grant Notice and my Option Agreement, copies of which I have received and carefully read and
understand. 

	

 	

 	
 	

Very truly yours,
	

 	

 	
 	

 (Signature)
	

Receipt of the above is hereby acknowledged.	
 	

 
	

CCCI Holdings, Inc.	
 	

 
	

By:	

	
 	

 
	

Title:	

	
 	

 
	

Dated:	

	
 	

 

2

QuickLinks

CCCI HOLDINGS, INC. STOCK OPTION AGREEMENTExhibit 10.4

 

CCCI HOLDINGS, INC.

NOTICE OF GRANT OF STOCK OPTION

 

The
Participant has been granted an option (the “Option”) to
purchase certain shares of Common Stock of CCCI Holdings, Inc. pursuant to the
CCCI Holdings, Inc. 2006 Stock Plan (the “Plan”), as
follows:

 

	
  Participant:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Date
  of Grant:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Number
  of Option Shares:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Exercise
  Price:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Initial
  Vesting Date:

  	
  The date one (1)
  year after

  	
   

  
	
   

  	
   

  	
   

  
	
  Option
  Expiration date:

  	
  The date ten
  (10) years after the Date of Grant

  	
   

  
	
   

  	
   

  	
   

  
	
  Tax
  Status of Option:

  	
  Nonstaintory
  Stock Option

  	
   

  
	
   

  	
   

  	
   

  
	
  Vested
  Shares:

  	
  Except as
  provided in the Stock Option Agreement, the number of Vested Shares
  (disregarding any resulting fractional share) as of any date is determined by
  multiplying the Number of Option Shares by the “Vested Ratio”
  determined as of such date as follows:

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Vested
  Ratio

  
	
   

  	
  Prior to Initial
  Vesting Date

  	
  0

  
	
   

  	
   

  	
   

  
	
   

  	
  On Initial
  Vesting Date, provided the Participant’s Service has not terminated prior to
  such date

  	
  1/4

  
	
   

  	
   

  	
   

  
	
   

  	
  Plus

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  For each additional
  full month of the Participant’s continuous Service from Initial Vesting Date
  until the Vested Ratio equals 1/1, an additional

  	
  1/48

  

 

The Exercise price
represents an amount the Company believes to be no less than the fair market
value of a share of Stock as of the Date of Grant, determined in good faith in
compliance with the requirements of Section 409A of the Code. However, there is
no guarantee that the Internal Revenue Service will agree with the Company’s
determination. A subsequent IRS determination that the Exercise Price is less
than such fair market value could result in adverse tax consequences to the
Participant. By signing below, the Participant agrees that the Company, its
directors, officers and shareholders shall not be held liable for any tax,
penalty, interest or cost incurred by the Participant as a result of such
determination by the IRS. The Participant is urged to consult with his or her
own tax advisor regarding the tax consequences of the Option, including the
application of Section 409A.

 

By their signatures
below, the Company and the Participant agree that the Option is governed by
this Grant Notice and by the provisions of the Plan and the stock Option
Agreement, both of which are attached to and made a part of this document. The Participant
acknowledges receipt of copies of the Plan and the Stock Option Agreement,
represents that the Participant has read and is familiar with their provisions,
and hereby accepts the Option subject to all of their terms and conditions.

 

	
  CCCI HOLDINGS, INC.

  	
   

  	
  PARTICIPANT

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  Signature

  	
   

  
	
  Its:

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Address:

  	
  13809 Research Blvd., Suite 906

  	
   

  	
  Address:

  	
   

  
	
   

  	
   

  	
  Austin, Texas 78750

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

 

ATTACHMENTS:             2006 Stock Plan, as amended to the
Date of Grant; Stock Option Agreement and Exercise Notice

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