Document:

EXHIBIT 10.1

                                   CLARK, INC.
                      NON-QUALIFIED STOCK OPTION AGREEMENT
                            (2002 STOCK OPTION PLAN)

         This Non-Qualified Stock Option Agreement ("Agreement") is made and
entered into as of the Date of Grant indicated below by and between Clark, Inc.,
a Delaware corporation (the "Company"), and the person named below
("Participant").

         WHEREAS, Participant is an employee of Clark Consulting, Inc., a
wholly-owned subsidiary of the Company ("Clark Consulting"); and

         WHEREAS, pursuant to the Company's 2002 Stock Option Plan, as amended
(the "Plan"), the Participant has been granted options to purchase shares of the
common stock, par value $.01 per share, of the Company (the "Shares"), on the
terms and conditions set forth herein;

         NOW, THEREFORE, in consideration of the foregoing recitals and the
covenants set forth herein, the Company and Participant hereby agree as follows:

         Section 1. Grant of Options; Certain Terms and Conditions. The Company
hereby grants to Participant, and Participant hereby accepts, as of the Date of
Grant, options to purchase the number of Shares indicated below (the "Options")
at the Exercise Price per Share indicated below. Subject to certain
anti-dilution adjustments, each Option entitles Participant to purchase one
Share. The Options shall expire as provided in Section 4 hereof, and shall be
subject to all of the terms and conditions set forth in this Agreement.

Participant:

Date of Grant:

Number of Shares purchasable:

Exercise Price per Share:

         The Options are intended to be "non-qualified stock options" as
described in Treasury Regulation Section 1.83-7 or any successor regulation
thereto ("Non-Qualified Options") and shall not constitute nor be treated as
incentive stock options as defined in Section 422(b) of the Internal Revenue
Code of 1986, as amended ("Code").

         Section 2. Exercise Price. The exercise price for the Options granted
under the Plan shall be the greater of (i) $9.00 per share or (ii) the fair
market value on the Date of Grant of such Options. The closing price for each
day shall be the reported closing price on the principal national securities
exchange on which the Shares are listed or admitted to trading.

         Section 3. Vesting of Options. The Options shall vest and become
exercisable by Participant as follows:

<PAGE>

                  (a) As of _____________, 2___ and thereafter, Participant may
         exercise rights to acquire twenty percent (20%) of the Common Stock
         subject to the Option;

                  (b) As of ______________,.2___ and thereafter, Participant may
         exercise rights to acquire an additional twenty percent (20%) of the
         Common Stock subject to the Option;

                  (c) As of _______________,2___ and thereafter, Participant may
         exercise rights to acquire an additional twenty percent (20%) of the
         Common Stock subject to the Option;

                  (d) As of _______________,2___ and thereafter, Participant may
         exercise rights to acquire an additional twenty percent (20%) of the
         Common Stock subject to the Option;

                  (e) As of _______________,2___ and thereafter, Participant may
         exercise rights to acquire an additional twenty percent (20%) of the
         Common Stock subject to the Option.

         Section 4. Expiration of Options. The Options shall expire on the
earlier of (i) the tenth anniversary of the Date of Grant thereof, or (ii)
ninety (90) days from the date the Participant ceases to be an employee of the
Company other than by reason of death or disability. In the event the
Participant ceases to be an employee of the Company by reason of death or
disability, the Options shall expire on the earlier of (i) the tenth anniversary
of the Date of Grant or (ii) one year from the date of such death or disability.

         Section 5. Adjustments. If the Shares are changed into or exchanged for
a different number or kind of securities of the Company or of another
corporation through reorganization, merger, consolidation, or similar
transaction, or increased because of any dividends paid in Shares, the Board of
Directors will make appropriate and proportionate adjustments in the number of
Shares subject to any unexercised Options and the exercise price thereof.

         Section 6. Exercise. The Participant (or other person entitled to
exercise this Option) shall purchase Shares of stock of the Company subject
hereto by the payment to the Company of the purchase price in full and the
amount of employment tax and withholding tax due, if any, upon the exercise of
the Option (i) by certified or official bank check, (ii) by the delivery of a
number of Shares of Common Stock (plus cash if necessary) having a fair market
value equal to the amount of such purchase price and employment and withholding
tax, or (iii) by delivery of the equivalent thereof acceptable to the Company.
Any employment or withholding tax due upon exercise of this Option shall be, and
shall remain, the responsibility of the Participant (or such Participant's
estate or representative). The Options may be exercised from time to time by
written notice to the Company stating the full number of Shares to be purchased
and the time and delivery thereof, which shall be at least fifteen days after
the giving of notice unless an earlier date shall have been agreed upon between
the Participant (or other person entitled to exercise the Options) and the
Company, accompanied by full payment for the Shares as described in the first
sentence of this Section. The Company will, as soon as is reasonably possible,
notify the Participant (or such Participant's representative) of the amount of
employment tax and other

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<PAGE>

withholding tax, if any, that must be paid under federal, state and local law
due to the exercise of the Options. The Company shall have no obligation to
deliver certificates for the Shares purchased until the Participant (or such
Participant's representative) pays to the Company the purchase price in full and
the amount of employment tax and withholding tax specified in the Company's
notice as described in this Section by payment terms set forth in the first
sentence of this Section. At the time of delivery, the Company shall, without
transfer or issue tax to the Participant (or other person entitled to exercise
the Options) deliver at the principal office of the Company, or at such other
place as shall be mutually agreed upon, a certificate or certificates for such
Shares, provided, however, that the time of delivery may be postponed by the
Company for such period as may be required for it to comply with reasonable
diligence with any requirements of law.

         Section 7. Stock Exchange Requirement. Notwithstanding anything to the
contrary in this Agreement, no Shares purchased upon exercise of the Options,
and no certificate representing all or any part of such Shares, shall be issued
or delivered if (i) such Shares have not been admitted to listing upon official
notice of issuance on each stock exchange or the Nasdaq National Market upon
which the Shares are then listed, (ii) in the opinion of counsel to the Company,
such issuance or delivery would cause the Company to be in violation of or to
incur liability under any federal, state or other securities law, or any
requirement of any listing agreement to which the Company is a party, or any
other requirement of law or of any administrative or regulatory body having
jurisdiction over the Company, or (iii) a Registration Statement on Form S-8
under the Securities Act of 1933, as amended, with respect to such Share has not
become effective or ceased to be effective.

         Section 8. Termination of Employment. In the event that the employment
of the Participant with the Company or Clark Consulting shall at any time
hereafter terminate for any reason other than death or disability, any part of
the Option granted hereunder which has not been exercised by the date of such
termination shall expire unless exercised prior to the date of its expiration or
within ninety (90) days after the date of such termination, whichever occurs
first.

         Section 9. Death of Optionee. If Optionee dies prior to the termination
of his right to exercise the Option in accordance with the provisions hereof
without having totally exercised the Option, the Option may be exercised by the
Optionee's Successor. If Optionee dies while in the employ of the Company or
Clark Consulting, the Option shall expire unless exercised (to the extent
exercisable immediately prior to Optionee's death) by his Successor prior to the
date of expiration of the Option or one (1) year from the date of Optionee's
death, whichever comes first.

         Section 10. Additional Accelerated Vesting. In the event the Company is
subject to a "Change of Control," any part of the Option granted hereunder which
has not already been exercised, shall be exercisable and shall be immediately
one hundred percent (100%) vested without regard to the periods and installments
of exercisability specified in Section 3 hereof, if and only if such Option has
not at that time expired or been terminated, in accordance with Section 8 or
otherwise, in which case, any unexercised portion shall be deemed cancelled as
of the effective date of such Change of Control. For the purposes of this
Section, "Change of Control" shall mean: (i) the acquisition by a single entity
(or group of affiliated entities) that is

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<PAGE>

not directly or indirectly controlled by the existing shareholders, of more than
75% of the Common Stock issued and outstanding immediately prior to such
acquisition; or (ii) the dissolution or liquidation of the Company or the
consummation of any merger or consolidation of the Company or any sale or other
disposition of all or substantially all of its assets, if the shareholders of
the Company immediately before such transaction own directly or indirectly,
immediately after consummation of such transaction, equity securities (other
than options and other rights to acquire equity securities) possessing less than
75% of the voting power of the surviving or acquiring corporation.

         Section 11. State of Residence. Participant represents to the Company
that Participant is a bona fide resident of the State indicated in Participant's
address on the signature page hereof (the "State"). Notwithstanding anything to
the contrary herein, this Agreement shall not become effective until the making
of all applicable security filings under the laws of the State and the
effectiveness thereof. Participant shall promptly notify the Company in writing
if the Participant becomes a bona fide resident of any jurisdiction other than
the State.

         Section 12. Non-Transferability. Subject to the prior consent of the
Committee, Options granted hereunder may be transferred by the Participant
thereof to one or more permitted transferees; provided that (i) there may be no
consideration for such transfer, (ii) the Participant (or such Participant's
estate or representative) shall remain obligated to satisfy all employment tax
and other withholding tax obligations associated with the exercise of the
Options, (iii) the Participant shall notify the Company in writing that such
transfer has occurred, the identity and address of the permitted transferee and
the relationship of the permitted transferee to the Participant and (iv) such
transfer shall be effected pursuant to transfer documents approved from time to
time by the Committee. To the extent an Option transferred pursuant to this
Section is not fully exercisable as of the date of transfer thereof, the
Participant shall specify in the transfer document whether and to what extent
the transferred Options (if less than all of the options subject to the
applicable Non-Qualified Stock Option Agreement) are exercisable, subject to the
limitations on exercisability contained in the applicable Non-Qualified Stock
Option Agreement. Furthermore, to the extent the Participant transfers Options
that are not exercisable as of the date of transfer and such Options are less
than all of the Options subject to the applicable Non-Qualified Stock Option
Agreement, the Participant shall specify in the transfer documents, subject to
the limitations on exercisability contained in the applicable Non-Qualified
Stock Option Agreement, when the transferred Options become exercisable as
Options under the applicable Non-Qualified Stock Option Agreement generally
become exercisable subsequent to such transfer. Any permitted transferee may not
further assign or transfer the transferred Option otherwise than by will or the
laws of the descent and distribution. Following any permitted transfer, any such
Options shall continue to be subject to the same terms and conditions as were
applicable immediately prior to transfer; provided that for purposes of Section
6 hereof the term "Participant" shall be deemed to refer also to each permitted
transferee. The events of termination of relationship in Section 4 hereof shall
continue to be applied with respect to the Participant, following which the
Options shall be exercisable by the transferee only to the extent, and for the
periods specified in Section 4. The term "permitted transferees" shall mean one
or more of the following: (i) any member of the Participant's immediate family;
(ii) a trust established for the exclusive benefit of one or more members of
such immediate family; or (iii) a partnership in which such immediate family
members are the only partners. The term

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<PAGE>

"immediate family" is defined for such purpose as spouses, children,
stepchildren and grandchildren, including relationships arising from adoption.

         Section 13. Sale Restrictions. Except as otherwise permitted under
Section 16 of the Exchange Act (including any Rules promulgated thereunder), no
Participant, if he or she is subject to liability under Section 16 of the
Exchange Act, may sell any Option Shares issued hereunder until the expiration
of the six (6) month period commencing on the Date of Grant, unless the same
would either not result in liability under said Section 16 or the Participant
consents to such liability and consents to disgorge any profits relating thereto
to the Company.

         The Committee, in its sole discretion, may (i) impose such additional
conditions as may be required to comply with Rule 16b-3 promulgated under the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), and (ii) waive
any of the restrictions in the event that either (A) the transaction would not
result in liability under Section 16(b) of the Exchange Act, or (B) the
Participant consents to liability thereunder and consents to disgorge any
profits relating thereto to the Company.

         Section 14. Continued Employment or Retention. Subject to the terms of
any employment agreement between the Company or Clark Consulting and the
Participant, nothing herein shall confer upon the Participant any right to be
continued in the employ or retention of the Company or Clark Consulting, or
shall prevent the Company or Clark Consulting which employs or retains the
Optionee from terminating such employment at any time, with or without cause.

         Section 15. Plan. The Options are granted pursuant to the Plan, as in
effect on the Date of Grant, and are subject to all the terms and conditions of
the Plan, as the same may be amended from time to time; provided, however, that
(a) no such amendment shall deprive any Participant of any Options theretofore
granted under the plan without the consent of such Participant; and (b) without
the approval of a majority of the stockholders of the Company, the Board of
Directors may not amend the Plan to make any other change requiring stockholder
approval under (i) any applicable rule, regulation, or procedure of any national
securities exchange or securities association upon which any securities of the
Company are listed (or any listing agreement with any such securities exchange
or securities association), or (ii) Rule 16b-3 promulgated under the Exchange
Act.

         The interpretation and construction by the Committee of the Plan, this
Agreement, the Options granted hereunder, and such rules and regulations as may
be adopted by the Committee for the purpose of administering the Plan, shall be
final and binding upon Participant. Until the Options shall expire, terminate,
or be exercised in full, the Company shall, upon written request therefor, send
a copy of the Plan, in its then-current form, to Participant or any other person
or entity then entitled to exercise the Options.

         Section 16. Confidentiality. Unless otherwise permitted by the Chairman
of the Board or the President of the Company, Participant agrees to keep
confidential the terms of this Option Agreement (and the terms of any other
Option Agreement with any other employee or director of the Company known to
Participant) and shall not disclose such terms to any other employee or
otherwise.

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<PAGE>

         Section 17. Nondisclosure and Nonsolicitation. In further consideration
for the grant to Participant of the Option evidenced by this Option Agreement,
Participant hereby covenants and agrees as follows:

                  (a) Participant hereby acknowledges that Participant will have
         access to certain trade secrets and confidential information of the
         Company and Clark Consulting and of corporations and/or other business
         enterprises directly or indirectly owned, controlled and/or operated by
         the Company or Clark Consulting ("Affiliates") and that such
         information constitutes valuable, special and unique property of the
         Company, Clark Consulting and such corporations. Participant shall not,
         during or after the term of Participant's employment by the Company or
         Clark Consulting, disclose any such trade secrets or confidential
         information to any person or entity for any reason or purpose
         whatsoever except as may be required by law or use such confidential
         information for any purpose not authorized by the Chairman of the
         Board. Confidential information shall include (i) all information
         designated as confidential by the Chairman of the Board and (ii) all
         information the disclosure of which Participant knows, or in the
         exercise of reasonable care should know, would be damaging to the
         Company; provided, however, that confidential information shall not
         include any information known generally to the public (other than as a
         result of unauthorized disclosure by Participant) or any information
         not otherwise considered by the Chairman of the Board or the Board of
         Directors to be confidential.

                  (b) Participant agrees that during the term of Participant's
         employment by, or service as a director of, the Company or Clark
         Consulting and for a period of twelve months following the termination
         of Participant's employment, or service as a director of, Participant
         shall not, either alone or on behalf of any business competing with the
         Company or any Affiliate, directly or indirectly (i) solicit or induce,
         or in any manner attempt to solicit or induce any person employed by,
         or an agent of, the Company or any Affiliate to terminate his contract
         of employment or agency, as the case may be, with the Company or any
         Affiliate, as the case may be, or (ii) solicit, divert, or attempt to
         solicit or divert, as a supplier or customer, any person, concern or
         entity which, as of the date of termination or during the one year
         period prior thereto, furnishes products or services to, or receives
         products and services from the Company or any Affiliate, nor will
         Participant attempt to induce any such supplier or customer to cease
         being (or any prospective supplier or customer not to become) a
         supplier or customer of the Company or any Affiliate.

         Section 18. Noncompetition. If, during the twelve month period
following Participant's termination, for any reason, of employment with or
services a director of the Company or Clark Consulting at any place within the
United States in which the Company or Clark Consulting conducts business at the
time of such termination; Participant shall engage in either as a partner,
officer, director, employee agent or shareholder (other than as the holder of
less than 10% of the outstanding capital stock of any corporation whose stock is
traded on a national securities exchange), be interested in or render services
to any business then competitive with the Company, Clark Consulting or
Participant:

                  (a) the ninety (90) day extension of Section 8 shall cease.

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<PAGE>

                  (b) Participant shall reimburse the Company for the difference
         between the market value on date of exercise and the option price on
         date of exercise, for all options exercised by Participant during the
         twelve month period preceding the termination.

                  (c) Participant acknowledges the Company's right to recover
         such amounts due from any and all amounts due the Participant for prior
         services as an employee.

         Section 19. Notices. Any notice to be given to the Company shall be
personally delivered to or addressed to the Secretary of the Company, at its
principal office, and any notice to be given to Participant shall be addressed
to him or her at the address given beneath his or her signature hereto, or at
such other address as Participant may hereafter designate in writing to the
Company. Any notice to the Company is deemed given when received by the Company.
Any notice to Participant is deemed given when enclosed in a properly sealed
envelope addressed as aforesaid, and deposited, postage prepaid, in a post
office or branch post office regularly maintained by the United States of
America.

         Section 20. Successor and Assigns. This Agreement shall inure to the
benefit of and be binding upon the Company and Participant, Participant's
beneficiaries, heirs, executors, and administrators, and the Company's
successors and assigns.

         Section 21. Governing Law. The laws of the State of Illinois shall
govern this Agreement and the Options granted hereunder, except to the extent
that the federal law of the United States of America preempts such law, in which
case such federal law shall apply.

                            [SIGNATURE PAGE FOLLOWS]

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<PAGE>

         IN WITNESS WHEREOF, the Company and Participant have duly executed and
delivered this Agreement effective as of the Date of Grant.

                                      Clark, Inc.

                                      By:
                                          --------------------------------------
                                          James Radosevich
                                          Vice President and Corporate Secretary

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

                                      -----------------------------, PARTICIPANT

                                      Social Security Number:

                                      Address:

                                       8EXHIBIT 10.2

                                   CLARK, INC.

                             STOCK OPTION AGREEMENT
                             ----------------------

         This STOCK OPTION AGREEMENT (this "Option Agreement") is entered into
by and between Clark, Inc., a Delaware corporation (the "Company"), and
_________________(the "Optionee").

         1. Grant of Option. The Company hereby grants to the Optionee effective
as of the date set forth in Section 18 hereof (the "Date of Grant"), the right
and option (the "Option") to purchase up to the aggregate number of shares of
common stock, par value $.01 per share, of the Company (the "Common Stock") set
forth in Section 18 hereof, subject to adjustment pursuant to Section 3 hereof
and subject to the Optionee's acceptance and agreement to all of the terms and
conditions and restrictions described in the Clark, Inc. 2003 Stock Option Plan
(the "Plan"), a copy of which has been made available to the Optionee, and to
the further terms, conditions and restrictions set forth below.

         2. Exercise Price. Subject to adjustment pursuant to Section 3, the
exercise price payable by the Optionee upon exercise of this Option is set forth
in Section 18 hereof.

         3. Adjustments to Number of Shares and Option Price. The number of
shares and exercise price shall be subject to adjustments as provided in Section
9 of the Plan.

         4. Nonqualified Stock Option. This Option is not intended to be treated
as an "incentive stock option" within the meaning of Section 422 of the Code but
is instead intended to be a nonqualified stock option.

<PAGE>

         5. Exercise of Option. Subject to the terms of the Plan and this Option
Agreement, the Optionee shall have the right to acquire shares of Common Stock
under this Option Agreement as follows:

                  (a) As of ___________________, 2___ and thereafter, Optionee
         may exercise rights to acquire 25% of the Common Stock subject to the
         Option;

                  (b) As of ___________________, 2___ and thereafter, Optionee
         may exercise rights to acquire an additional 25% of the Common Stock
         subject to the Option;

                  (c) As of ___________________, 2___ and thereafter, Optionee
         may exercise rights to acquire an additional 25% of the Common Stock
         subject to the Option and;

                  (d) As of ___________________, 2___ and thereafter, Optionee
         may exercise rights to acquire an additional 25% of the Common Stock
         subject to the Option.

         6. Expiration of Option. This Option shall expire and cease to be
exercisable on the earlier of (a) ________________, 2___, or (b) the date the
Optionee ceases to be a director of the Company other than by reason of death or
disability. In the event the Optionee ceases to be a director of the Company by
reason of death or disability, the Options shall expire on the earlier of (a)
__________________, 2___ or (b) one year from the date of such death or
disability.

         7. Procedure to Exercise. The Optionee (or other person entitled to
exercise this Option) shall purchase shares of stock of the Company subject
hereto by the payment to the Company of the purchase price in full and the
amount of withholding tax due, if any, upon the exercise of this Option by
certified or official bank check. Any withholding tax due upon exercise of this
Option shall be, and shall remain, the responsibility of the Optionee (or such
Optionee's estate or representative). This Option may be exercised from time to
time by written notice to the Company stating the full number of shares to be
purchased and the time and

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<PAGE>

delivery thereof, which shall be at least fifteen days after the giving of
notice unless an earlier date shall have been agreed upon between the Optionee
(or other person entitled to exercise this Option) and the Company, accompanied
by full payment for the shares as described in the first sentence of this
Section 7. The Company will, as soon as is reasonably possible, notify the
Optionee (or such Optionee's representative) of the amount of withholding tax,
if any, that must be paid under federal, state and local law due to the exercise
of this Option. The Company shall have no obligation to deliver certificates for
the shares purchased until the Optionee (or such Optionee's representative) pays
to the Company the purchase price in full and the amount of withholding tax
specified in the Company's notice as described in this Section 7 by payment
terms set forth in the first sentence of this Section 7. At the time of
delivery, the Company shall, without transfer or issue tax to the Optionee (or
other person entitled to exercise this option) deliver at the principal office
of the Company, or at such other place as shall be mutually agreed upon, a
certificate or certificates for such shares, provided, however, that the time of
delivery may be postponed by the Company for such period as may be required for
it to comply with reasonable diligence with any requirements of law.

         8. Nontransferability of Option. This Option shall not be assignable or
transferable other than by will or the laws of descent and distribution and
shall be exercisable during the Optionee's lifetime only by the Optionee.

         9. Continued Retention. Subject to the terms of any agreement between
the Company and the Optionee, nothing herein shall confer upon the Optionee any
right to continue to serve as a director of the Company or a Subsidiary, or
shall prevent the Company or Subsidiary for whom Optionee serves as a director
from terminating his directorship at any time, with or without cause, or
removing or failing to reelect the Optionee as a director.

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<PAGE>

         10. Rights as Stockholder. Nothing herein is intended to or shall give
to the Optionee or the legal representatives, heirs, legatees, or distributees
of the Optionee any right or status of any kind as a stockholder of the Company
in respect of any shares of Common Stock covered by this Option or entitle the
Optionee or the legal representatives, heirs, legatees, or distributees of the
Optionee to any dividends or distributions thereon unless and until such shares
shall have been delivered to the Optionee or the legal representatives, heirs,
legatees, or distributees of the Optionee and registered in the Optionee's name
and the Optionee or the legal representatives, heirs, legatees, or distributees
of the Optionee has received a certificate or certificates therefor.

         11. Interpretation. If and when questions arise from time to time as to
the intent, meaning or application of the provisions hereof or of the Plan, such
questions shall be decided by the Board of Directors or the Committee in its
sole discretion, and any such decision shall be conclusive and binding on the
Optionee. The Optionee hereby agrees that this Option is granted and accepted
subject to such condition and understanding.

         12. Investment Representation. At such time or times as the Optionee
may exercise this Option, the Optionee shall, upon the request of the Company,
represent in writing (i) that the shares being acquired by the Optionee under
this Option will not be sold except pursuant to an effective registration
statement, or applicable exemption from registration, under the Securities Act
of 1933, as amended, (ii) that it is the Optionee's intention to acquire the
shares being acquired for investment only and not with a view to distribution
thereof, and (iii) other customary representations as the Company deems
necessary or advisable. No shares will be issued to the Optionee unless the
Optionee provides such representations and agreements and the Company is
satisfied as to the accuracy of such representations and agreements. If so
requested, Optionee agrees to provide a lock-up agreement prohibiting the sale
by Optionee of shares issued

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<PAGE>

upon exercise of the Options for a period of 180 days following a public
offering by the Company of its Common Stock.

         13. Repurchase by the Company. All shares of Common Stock purchased by
the Optionee or his or her estate or beneficiary and exercisable Options held by
the Optionee at the time he ceases to be a nonemployee director shall be subject
to repurchase by the Company.

         14. Withholding of Taxes. Upon exercise of this Option (either wholly
or in part), the Optionee must pay to the Company, or make arrangements
satisfactory to the Company regarding payment of, any federal, state or local
taxes of any kind required to be withheld in connection with the issuance to the
Optionee of Common Stock upon exercise of this Option. The Company may permit
withholding of shares of Common Stock in accordance with procedures established
by the Company as an election by Optionee to meet applicable withholding
requirements.

         15. Notices. All notices and other communications hereunder shall be in
writing and shall be deemed to have been duly given if delivered personally,
mailed certified mail (return receipt requested) or sent by overnight delivery
service, cable, telegram, facsimile transmission or telex to the Optionee at the
address on the signature page hereof and to the Company at the address set forth
below or at such other addresses as shall be specified by the parties by like
notice:

                  Clark, Inc.
                  102 South Wynstone Park Drive
                  North Barrington, IL 60010
                  Attention: Jim Radosevich
                  Facsimile No. (847) 304-9568

         16. Defined Terms. All capitalized terms used herein and not otherwise
defined shall have the meanings given them in the Plan.

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<PAGE>

         17. Confidentiality. Unless otherwise permitted by the Chairman of the
Board or the President of the Company, Optionee agrees to keep confidential the
terms of this Option Agreement (and the terms of any other Option Agreement with
any employee or other director of the Company known to Optionee) and shall not
disclose such terms to any employee or otherwise.

         18. Specified Information. This Option Agreement shall apply with
respect to the following specific information:

         a. Date of Grant:

         b. Name of Optionee:

         c. Number of Shares Covered by Option:

         d. Option Exercise Price Per Share:

                            [SIGNATURE PAGE FOLLOWS]

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<PAGE>

         IN WITNESS WHEREOF, the undersigned have executed this Option Agreement
to be effective as of the Date of Grant set forth above.

                                      CLARK, INC.

                                      By:
                                          --------------------------------------
                                          Jim Radosevich
                                          Vice President and Corporate Secretary

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

                                      ----------------------, Optionee

                                      Social Security Number:

                                      Optionee's Address:

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