Document:

EX-10.5

Exhibit 10.5

STOCK AGREEMENT

GRANTED TO:

DATE OF GRANT:

GRANTED PURSUANT TO: CTI Group (Holdings) Inc. Stock Incentive Plan

NUMBER OF SHARES:

VESTING SCHEDULE:

1. This Stock Agreement (the “Agreement”) is made and entered into as of (the “Date of
Grant”) between CTI Group (Holdings) Inc. (the “Company”) and , as a participant (the
“Participant”) in CTI Group (Holdings) Inc. Stock Incentive Plan (the “Plan”), a copy of which is
enclosed herewith. Capitalized terms not defined herein shall have the meanings ascribed thereto in
the Plan.

2. The Participant is granted shares of Class A Common Stock of the Company (the
“Stock”). The Stock is granted as provided for under the Plan and is subject to the terms and
conditions set forth in the Plan and this Agreement. This grant of Stock will vest according to the
vesting schedule set forth above.

3. The Stock granted hereunder shall be promptly issued and evidenced by a certificate or
certificates for such shares issued in the Participant’s name or by book entry at the Company’s
option. The Participant shall thereupon have all the rights of a stockholder with respect to such
shares, including, but not limited to, the right to vote such shares and to receive all dividends
and other distributions paid with respect to them; provided, however, that the shares shall be
subject to the restrictions on transferability as set forth in Paragraphs 5 and 6 below. Unless as
otherwise provided in this Paragraph 3, the Company shall hold the certificate or certificates for
such shares until the date the restrictions on transferability are removed in accordance with
Paragraphs 5 and 7 below. The Company may, in its sole discretion and at any time prior to the date
the restrictions on transferability are removed in accordance with Paragraphs 5 and 7 below,
require (i) that the stock certificate or certificates representing such shares shall be imprinted
with a legend stating that the shares represented thereby are the restricted shares subject to the
terms and conditions of this Agreement and, as such, may not be sold, exchanged, transferred,
pledged, hypothecated or otherwise disposed of except in accordance with the terms of this
Agreement, and if the Company makes such requirement, then each transfer agent for the Common Stock
shall be instructed to like effect with respect to such shares, and/or (ii) that the Participant
shall, upon receipt of the certificate or certificates therefor, deposit such certificate or
certificates together with a stock power or other like instrument of transfer, appropriately
endorsed in blank, with an escrow agent designated by the Company, which may be the Company, under
a deposit agreement containing such terms and conditions as the Company shall approve, with the
expenses of such escrow to be borne by the Company.

4. If under Section 10 of the Plan the Participant, as the owner of the shares of the Stock, shall
be entitled to new, additional or different shares of stock or securities, (i) the Company may
require that the certificate or certificates for, or other evidences of, such new, additional or
different shares or securities, together with a stock power or other instrument of transfer
appropriately endorsed, shall be imprinted with a legend as provided in Paragraph 3 above, be
deposited by the Participant under the deposit agreement provided for therein, and (ii) such
certificate or certificates for, or other evidences of, such new, additional or different shares or
securities shall be subject to the restrictions on transferability as provided in Paragraphs 5 and
6 below.

5. The shares of the Stock shall be subject to restrictions on transferability. Subject to
Paragraph 7 below, such restrictions shall be removed from such shares according to the vesting
schedule set forth above. Notwithstanding anything contained in this Agreement to the contrary, all
shares of the Stock shall become fully vested immediately upon the occurrence of the Change in
Control of the Company in accordance with Section 11 of the Plan.

6. During the period when the Stock is subject to the restrictions on transferability, none of the
shares of the Stock subject to such restrictions shall be sold, exchanged, transferred, pledged,
hypothecated or otherwise disposed of except by will or the laws of descent and distribution. Any
attempt by the Participant to dispose of any shares of the Stock in any such manner shall result in
the immediate forfeiture of such shares and any other shares then held by the Company or the
designated escrow agent on the Participant’s behalf.

7. In the event of the termination of the employment of a Participant who is employed by the
Company or any of its Subsidiaries, the Participant’s shares of the Stock shall vest or be
forfeited, as applicable, in accordance with Section 12 of the Plan.

8. By Obligor’s or Holder’s acceptance of this Agreement, the Participant agrees to reimburse the
Company for any taxes required by any government to be withheld or otherwise deducted and paid by
the Company in respect of the Stock. In lieu thereof, the Company shall have the right to withhold
the amount of such taxes from any other sums due or to become due from the Company or a Subsidiary,
as the case may be, to the Participant.

9. If the Company, in its sole discretion, shall determine that it is necessary to comply with
applicable securities laws, the certificate or certificates representing any shares delivered to
the Participant under this Agreement shall bear an appropriate legend in form and substance, as
determined by the Company, giving notice of applicable restrictions on transfer under or with
respect to such laws.

10. The Participant covenants and agrees with the Company that if, with respect to any shares of
Common Stock delivered to the Participant pursuant to this Agreement, there does not exist a
Registration Statement on an appropriate form under the Securities Act of 1933, as amended (the
“Act”), which Registration Statement shall have become effective and shall include a prospectus
that is current with respect to the shares subject to this Agreement, (i) that Obligor or Holder
takes the shares for Obligor’s or Holder’s own account and not with a view to the resale or
distribution thereof, (ii) that any subsequent offer for sale or sale of any such shares shall be
made either pursuant to (x) a Registration Statement on an appropriate form under the Act, which
Registration Statement shall have become effective and shall be current with respect to the shares
being offered and sold, or (y) a specific exemption from the registration requirements of the Act,
but in claiming such exemption, the Participant shall, prior to any offer for sale or sale of such
shares, obtain a favorable written opinion from counsel for or approved by the Company as to the
applicability of such exemption and (iii) that the Participant agrees that the certificate or
certificates evidencing such shares shall bear a legend to the effect of the foregoing.

11. This Agreement is subject to all terms, conditions, limitations and restrictions contained in
the Plan, which shall be controlling in the event of any conflicting or inconsistent provisions. In
the event, however, of any conflict between the provisions of this Agreement or the Plan and the
provisions of an employment or change-in-control agreement between the Company and the Participant,
as applicable, the provisions of the latter shall prevail.

12. This Agreement is not a contract of employment, as applicable, and the terms of the
Participant’s employment shall not be affected hereby or by any agreement referred to herein except
to the extent specifically so provided herein or therein. Nothing herein shall be construed to
impose any obligation on the Company to continue the employment of a Participant who is employed by
the Company or any of its Subsidiaries, and it shall not impose any obligation on the Participant’s
part to remain in the employ of the Company or any of its Subsidiaries. This Agreement shall be
governed by and construed in accord with the laws of the State of Delaware, excluding principles of
conflict of laws.

IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the date written above.

CTI Group (Holdings) Inc.

By:

Name:

Title:

ACCEPTED:

By:

[Insert the name of the Participant]EX-10.1

UNITEDHEALTH GROUP

Grant Number:      

	 	 	 	 	 	 	 
	Grant Date

	 	Option Shares
	 	Exercise Price

$
	 	Expiration Date

	
 
	 	 	 	 
	 	

THIS CERTIFIES THAT UnitedHealth Group Incorporated (the “Company”) has on the Grant Date specified

above granted to

(the “Optionee”) the option (the “Option”) to purchase that number of shares of UnitedHealth Group
Incorporated Common Stock, $.01 par value per share (the “Common Stock”), indicated above (the
“Option Shares”). The Option that this Certificate represents will expire on the Expiration Date,
unless it is terminated prior to that time in accordance with this Certificate.

The Option Shares represented by this Certificate shall become exercisable as to 25% of the Option
Shares on each anniversary of the Grant Date, commencing with the first anniversary, unless this
Option shall have terminated or the vesting shall have accelerated as provided in this Certificate.
Once this Option has become exercisable for all or a portion of the Option Shares, it will remain
exercisable for all or such portion of the Option Shares, as the case may be, until the Option
expires or is terminated as provided in this Certificate.

By accepting this Option, the holder acknowledges that the holder of this Option will not have any
of the rights of a shareholder with respect to the Option Shares until the holder has duly
exercised the Option and paid the Exercise Price and applicable withholding taxes in accordance
with this Certificate. The holder further acknowledges and agrees that the Company may deliver, by
electronic mail, the use of the Internet or Company intranet web pages or otherwise, any
information concerning the Company, this Option, the UnitedHealth Group Incorporated 2002 Stock
Incentive Plan (the “Plan”), pursuant to which the Company granted this Option, and any information
required by the Securities Act of 1933, as amended, and the rules and regulations promulgated
thereunder.

This Option is subject to the further terms and conditions set forth below and to the terms of the
Plan. A copy of the Plan is available upon request. In the event of any conflict between the
terms of the Plan and this Certificate, the terms of the Plan shall govern. Any terms not defined
herein shall have the meaning set forth in the Plan.

* * * * *

Nonqualified Option. The Company does not intend that the Option shall be an Incentive
Stock Option governed by the provisions of Section 422 of the Internal Revenue Code of 1986, as
amended.

Termination of Option. The Option shall terminate on the Expiration Date. The Option shall
terminate prior to such date if the Optionee ceases to be employed by the Company or its
subsidiaries, except that:

(a) General: If the Optionee’s employment terminates for any reason (voluntary or
involuntary) other than death or permanent long-term disability, the Optionee may, at any
time within the Exercise Period (as defined below), exercise the Option to the extent of the
full number of Option Shares which were exercisable and which the Optionee was entitled to
purchase under the Option on the date of the termination of his or her employment;

(b) Death or Permanent Long-Term Disability: If the Optionee dies while employed by the
Company or its subsidiaries, or if the Optionee’s employment by the Company or its
subsidiaries is terminated due to the Optionee’s failure to return to work as the result of
a permanent long-term disability which renders the Optionee incapable of performing his or
her duties as determined under the provisions of the Company’s long-term disability
insurance program, then (i) all unvested Option Shares hereunder shall immediately vest, and
(ii) the Optionee (or the Optionee’s personal representatives, administrators or guardians,
as applicable, or any person or persons to whom the Option is transferred by will or the
applicable laws of descent and distribution) may, at any time within a period of five years
after the Optionee’s death or termination of employment due to the Optionee’s failure to
return to work as the result of a permanent long-term disability, or for such other longer
period established at the discretion of the Committee or the Chief Executive Officer of the
Company, exercise the Option to the extent of the full number of Option Shares which are
exercisable following such vesting; and

(c) Severance: If the Optionee is entitled to severance under the Company’s severance
pay plan as in effect on the date hereof, then vesting of the Option shall continue for the
period of such severance. If Optionee is entitled to severance under an employment
agreement entered into with the Company, then vesting of the Option shall continue for the
period of such severance that Optionee is entitled to receive as of the date hereof. If the
Optionee is entitled to separation pay other than under the Company’s severance pay plan or
an employment agreement, then vesting of the Option shall continue for the lesser of (i) the
period the Optionee would have received payments under the severance pay plan as in effect
on the date hereof, had the Optionee been eligible for such payments; or (ii) the period of
separation pay. In either case, should the Optionee be paid in a lump sum versus bi-weekly
payments, the Option shall continue to vest for the time in which severance or separation
pay would have been paid had it been paid bi-weekly.

For the purposes of this Option, “Exercise Period” shall mean the greater of (i) a period of three
months after the date of termination of the Optionee’s employment, (ii) if Optionee receives
severance or separation pay, a period of three months after vesting ceases as provided in (c),
above, or (iii) such other longer period established at the discretion of the Committee or the
Chief Executive Officer of the Company. This Option shall in no event be exercisable after the
Expiration Date.

Forfeiture of Option. If the Optionee violates: (i) any provision of the Restrictive
Covenants of this Certificate, or (ii) any provision of the Company’s Principles of Integrity and
Compliance, then all unvested portions of the Option Shares, together with any portions of the
Option Shares which vested within one year prior to the termination of the Optionee’s employment
with the Company or at any time after such termination (the “Forfeited Shares”), shall become null
and void and the Optionee shall pay to the Company, upon demand, an amount equal to the difference
between the proceeds the Optionee has received from any sales of Forfeited Shares over the Exercise
Price for such stock; and if the Optionee still holds all or any part of the Forfeited Shares at
the time such Company demand is made, the Optionee shall pay over to the Company an amount equal to
the difference between the aggregate Fair Market Value of such Forfeited Shares on the date the
Option was exercised and the aggregate Exercise Price with respect to such Forfeited Shares. This
paragraph does not constitute the Company’s exclusive remedy for the Optionee’s violation of the
Restrictive Covenants. The Company may seek any additional legal or equitable remedy, including
injunctive relief, for any such violation.

Restrictive Covenants. In consideration of the terms of this Option and the Optionee’s
access to Confidential Information, the Optionee agrees to the Restrictive Covenants set forth
below. For purposes of these Restrictive Covenants, the “Company” means UnitedHealth Group
Incorporated and all of its subsidiaries and other affiliates.

(a) Confidential Information. The Optionee will be given access to and
provided with sensitive, confidential, proprietary and trade secret information
(“Confidential Information”) in the course of the Optionee’s employment. Examples of
Confidential Information include: inventions; new product or marketing plans; business
strategies and plans; merger and acquisition targets; financial and pricing information;
computer programs, source codes, models and databases; analytical models; customer lists and
information; and supplier and vendor lists and information. The Optionee agrees not to
disclose or use Confidential Information, either during or after the Optionee’s employment
with the Company, except as necessary to perform the Optionee’s duties or as the Company may
consent in writing.

(b) Non-Solicitation. During the Optionee’s employment and for the greater of
two years after the termination of the Optionee’s employment for any reason whatsoever or
the period of time for which the Option remains exercisable, the Optionee may not, without
the Company’s prior written consent, directly or indirectly, for the Optionee or for any
other person or entity, as agent, employee, officer, director, consultant, owner, principal,
partner or shareholder, or in any other individual or representative capacity:

	 	(i)	 	Engage in any business competitive with any Company business
with any person or entity who: (a) was a Company provider or customer within
the 12 months before the Optionee’s employment termination and, (b) with whom
the Optionee had contact to further the Company’s business or for whom the
Optionee performed services, or supervised the provision of services for,
during the Optionee’s employment.

	 	(ii)	 	Hire, employ, recruit or solicit any Company employee or
consultant.

	 	(iii)	 	Induce or influence any Company employee, consultant, customer
or provider to terminate his, her or its employment or other relationship with
UnitedHealth Group.

	 	(iv)	 	Assist anyone in any of the activities listed above.

(c) Non-Competition. During the Optionee’s employment and for the greater of
one year after the termination of the Optionee’s employment for any reason whatsoever or the
period of time for which the Option remains exercisable, the Optionee may not, without the
Company’s prior written consent, directly or indirectly, for the Optionee or for any other
person or entity, as agent, employee, officer, director, consultant, owner, principal,
partner or shareholder, or in any other individual or representative capacity:

	 	(i)	 	Engage or participate in, or in any way render services or
assistance to, any business that competes, directly or indirectly, with any
Company product or service that the Optionee participated in, engaged in, or
had Confidential Information regarding, during the Optionee’s employment.

	 	(ii)	 	Assist anyone in any of the activities listed above.

By accepting this Option, the Optionee agrees that the provisions of this Restrictive Covenants
section are reasonable and necessary to protect the legitimate interests of the Company.

Manner of Exercise. On the terms set forth herein, the Option may be exercised in whole or
in part from time to time by delivering notice of exercise to the Company, accompanied by payment
of the Exercise Price and any applicable withholding taxes (i) in cash, by wire transfer, certified
check or bank cashier’s check payable to the Company, (ii) by delivery of shares of Common Stock
already owned by the Optionee or (iii) by delivery of a combination of cash and such shares;
provided, that the Optionee shall not be entitled to tender shares of Common Stock pursuant to
successive, substantially simultaneous exercises of options to purchase Common Stock. Any shares
already owned by the Optionee referred to in the preceding sentence must have been owned by the
Optionee for no less than six months prior to the date of exercise of the Option if such shares
were acquired upon the exercise of another option or upon the vesting of restricted stock or
restricted stock units.

No Guarantee of Employment. This Option does not confer on the Optionee any right with
respect to the continuance of any relationship with the Company or its subsidiaries, nor will it
interfere in any way with the right of the Company to terminate such relationship at any time.

No Transfer. During the Optionee’s lifetime, only the Optionee can exercise the Option.
The Optionee may not transfer the Option except by will or the laws of descent and distribution or
pursuant to a qualified domestic relations order as defined by the Code or Title I of the Employee
Retirement Income Security Act or the rules promulgated thereunder, to the extent provided in
clause (b) under the section above entitled “Termination of Option.” Any attempt to otherwise
transfer the Option shall be void.

Adjustments to Option Shares. In the event that any dividend or other distribution
(whether in the form of cash, shares of Common Stock, other securities or other property),
recapitalization, stock split, reverse stock split, reorganization, merger, consolidation,
split-up, spin-off, combination, repurchase or exchange of Shares or other securities of the
Company or other similar corporate transaction or event affecting the Shares would be reasonably
likely to result in the diminution or enlargement of any of the benefits or potential benefits
intended to be made available under the Option (including, without limitation, the benefits or
potential benefits of provisions relating to the term, vesting or exercisability of the Option),
the Committee shall, in such manner as it shall deem equitable or appropriate in order to prevent
such diminution or enlargement of any such benefits or potential benefits, adjust any or all of (i)
the number and type of shares (or other securities or other property) subject to the Option and
(ii) the exercise price with respect to the Option; provided, however, that the number of shares
covered by the Option shall always be a whole number. Without limiting the foregoing, if any
capital reorganization or reclassification of the capital stock of the Company, or consolidation or
merger of the Company with another entity, or the sale of all or substantially all of the Company’s
assets to another entity, shall be effected in such a way that holders of the Company’s Common
Stock shall be entitled to receive stock, securities, cash or other assets with respect to or in
exchange for such shares, the Optionee shall have the right to purchase and receive upon the basis
and upon the terms and conditions specified in this Certificate and in lieu of the shares of Common
Stock of the Company immediately theretofore purchasable and receivable upon the exercise of the
Option, with appropriate adjustments to prevent diminution or enlargement of benefits or potential
benefits intended to be made available under the Option, such shares of stock, other securities,
cash or other assets as would have been issued or delivered to the Optionee if the Optionee had
exercised the Option and had received such shares of Common Stock prior to such reorganization,
reclassification, consolidation, merger or sale. The Company shall not effect any such
reorganization, consolidation, merger or sale unless prior to the consummation thereof the
successor entity (if other than the Company) resulting from such reorganization, consolidation or
merger or the entity purchasing such assets shall assume by written instrument the obligation to
deliver to the Optionee such shares of stock, securities, cash or other assets as, in accordance
with the foregoing provisions, the Optionee may be entitled to purchase or receive.

Change in Control. Notwithstanding the other vesting provisions set forth herein, but
subject to the other terms and conditions set forth herein, the Option shall become fully vested
and exercisable on the effective date of a Change in Control. For purposes of this Option, a
“Change in Control” shall mean the sale of all or substantially all of the Company’s assets or any
merger, reorganization, or exchange or tender offer which, in each case, will result in a change in
the power to elect 50% or more of the members of the Board of Directors of the Company.

Narrowed Enforcement and Severability. If a court or arbitrator decides that any provision
of this Certificate is invalid or overbroad, the Optionee agrees that the court or arbitrator
should narrow such provision so that it is enforceable or, if narrowing is not possible or
permissible, such provision should be considered severed and the other provisions of this
Certificate should be unaffected.

Injunctive Relief. The Optionee agrees that (a) legal remedies (money damages) for any
breach of the Restrictive Covenants in this Certificate will be inadequate, (b) the Company will
suffer immediate and irreparable harm from any such breach, and (c) the Company will be entitled to
injunctive relief from a court in addition to any legal remedies the Company may seek in
arbitration.

Survival. The Restrictive Covenants in this Certificate shall survive the termination of
the Option.

Other. An original record of this Certificate and all the terms thereof is held on file by
the Company. To the extent there is any conflict between the terms contained in this certificate
and the terms contained in the original held by the Company, the terms of the original held by the
Company shall control. Neither the Plan nor the Option shall create or be construed to create a
trust or separate fund of any kind or a fiduciary relationship between the Company or any Affiliate
and Optionee or any other Person. To the extent that any Person acquires a right to receive
payments from the Company or any Affiliate pursuant to an Option, such right shall be no greater
than the right of any unsecured creditor of the Company or any Affiliate.

THIS CERTIFICATE REPRESENTS AN OPTION TO PURCHASE SHARES OF COMMON STOCK AND DOES NOT CONSTITUTE OR
REPRESENT SHARES OF COMMON STOCK

NON-NEGOTIABLE

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