Document:

exv10w1

Exhibit 10.1

FINANCIAL ENGINES, INC.

2009 STOCK INCENTIVE PLAN

NOTICE OF STOCK OPTION GRANT

     You have been granted the following Option to purchase Common Stock of FINANCIAL ENGINES, INC.
(the “Company”) under the Company’s 2009 Stock Incentive Plan (the “Plan”):

	 	 	 

	Name of Optionee:

	 	[Name of Optionee]
	 
	 	 
	Total Number of Option Shares Granted:

	 	[Total Number of Shares]
	 
	 	 
	Type of Option:

	 	[Type of Stock Option]
	 
	 	 
	Exercise Price Per Share:

	 	$                                        
	 
	 	 
	Grant Date:

	 	[Date of Grant]
	 
	 	 
	Vesting Commencement Date:

	 	[Vesting Commencement Date]
	 
	 	 
	Vesting Schedule:

	 	This Option becomes
exercisable with respect to the
first 1/4th of the Shares subject
to this Option when you complete 12
months of continuous Service as an
Employee or a Consultant from the
Vesting Commencement Date.
Thereafter, this Option becomes
exercisable with respect to an
additional 1/48th of the Shares
subject to this Option when you
complete each additional month of
such Service. (See Exhibit A to
Notice of Stock Option Grant).
	 
	 	 
	Expiration Date:

	 	[Expiration Date]. This Option
expires earlier if your Service
terminates earlier, as described in
the Stock Option Agreement.

     By your acceptance of this Stock Option Grant, you agree that this Option is granted
under and governed by the terms and conditions of the Plan and the Stock Option Agreement (the
“Agreement”), which are attached to and made a part of this document.

     By accepting this Stock Option Grant you further agree that the Company may deliver by e-mail
all documents relating to the Plan or this Award (including without limitation, prospectuses
required by the Securities and Exchange Commission) and all other documents that the Company is
required to deliver to its security holders (including without limitation, annual reports and proxy
statements). You also agree that the Company may deliver these documents by posting them on a
website maintained by the Company or by a third party under contract with the Company. If the
Company posts these documents on a website, it will notify you by e-mail.

FINANCIAL ENGINES, INC.

	 	 	 	 	 
	 	 	 
	By:  	RAYMOND J SIMS
 	 	 
	 	Title:                                E.V.P. and Chief Financial Officer 	 	 
	 	 	 	 

 

 

	 	 	 	 	 

FINANCIAL ENGINES, INC.

2009 STOCK INCENTIVE PLAN

STOCK OPTION AGREEMENT

	 	 	 

	Tax Treatment

	 	This Option is intended to be an incentive stock option under Section 422 of the
Internal Revenue Code or a non-qualified option, as provided in the Notice of
Stock Option Grant. Even if this Option is designated as an incentive stock
option, it shall be deemed to be a non-qualified option to the extent required
by the $100,000 annual limitation under Section 422(d) of the Internal Revenue
Code.
	 
	 	 
	Vesting

	 	This Option becomes exercisable in installments, as shown in the Notice of Stock
Option Grant. This Option will in no event become exercisable for additional
Shares after your Service as an Employee or a Consultant has terminated for any
reason.
	 
	 	 
	Term

	 	This Option expires in any event at the close of business at Company
headquarters on the day before the 10th anniversary of the Grant Date, as shown
on the Notice of Stock Option Grant (fifth anniversary for a more than 10%
stockholder as provided under the Plan if this is an incentive stock option).
This Option may expire earlier if your Service terminates, as described below.
	 
	 	 
	Regular Termination

	 	If your Service terminates for any reason except death or “Total and Permanent
Disability” (as defined in the Plan), then this Option will expire at the close
of business at Company headquarters on the date three (3) months after the date
your Service terminates (or, if earlier, the Expiration Date). The Company
determines when your Service terminates for this purpose and all purposes under
the Plan and its determinations are conclusive and binding on all persons.
	 
	 	 
	Death

	 	If your Service terminates because of death, then this Option will expire at the
close of business at Company headquarters on the date 12 months after the date
your Service terminates (or, if earlier, the Expiration Date). During that
period of up to 12 months, your estate or heirs may exercise the Option.
	 
	 	 
	Disability

	 	If your Service terminates because of your Total and Permanent Disability, then
this Option will expire at the close of business at Company headquarters on the
date 12 months after the date your Service terminates (or, if earlier, the
Expiration Date).
	 
	 	 
	Leaves of Absence

	 	For purposes of this Option, your Service does not terminate when you go on a
military leave, a sick leave or another bona fide leave of absence, if the leave
was approved by the Company in writing and if continued crediting of Service is
required by the terms of the leave or by applicable law. But your Service
terminates when the approved leave ends, unless you immediately return to active
work.
	 
	 	 
	Restrictions on Exercise

	 	The Company will not permit you to exercise this Option if the issuance of
Shares at that time would violate any law or regulation. The inability of the
Company to obtain approval from any regulatory body having authority deemed by
the Company to be necessary to the lawful issuance and sale of the Company stock
pursuant to this Option shall relieve the Company of any liability with respect
to the non-issuance or sale of the Company stock as to which such approval shall
not have been obtained.
	 
	 	 
	Notice of Exercise

	 	When you wish to exercise this Option you must provide a notice of exercise form
in accordance with such procedures as are established by the Company and
communicated to you from time to time. Any notice of exercise must specify how
many Shares you wish to purchase and how your Shares should be registered. The
notice of exercise will be effective when it is received by the Company. If
someone else wants to exercise this Option after your death, that person must
prove to the Company’s satisfaction that he or she is entitled to do so.

Financial Engines, Inc.

Stock Option Agreement

-1-

 

	 	 	 

	Form of Payment

	 	When you submit your notice of exercise, you must include payment of the Option
exercise price for the Shares you are purchasing. Payment may be made in the
following form(s):
	 
	 	 
	 

	 	•   Your personal check, a cashier’s check or a money order.

	 
	 	 
	 

	 	•   Certificates for Shares that you own, along with any forms
needed to effect a transfer of those Shares to the Company. The
value of the Shares, determined as of the effective date of the
Option exercise, will be applied to the Option exercise price.
Instead of surrendering Shares, you may attest to the ownership
of those Shares on a form provided by the Company and have the
same number of Shares subtracted from the Shares issued to you
upon exercise of the Option. However, you may not surrender or
attest to the ownership of Shares in payment of the exercise
price if your action would cause the Company to recognize a
compensation expense (or additional compensation expense) with
respect to this Option for financial reporting purposes.

	 
	 	 
	 

	 	•   By delivery on a form approved by the Company of an irrevocable
direction to a securities broker approved by the Company to sell
all or part of the Shares that are issued to you when you
exercise this Option and to deliver to the Company from the sale
proceeds an amount sufficient to pay the Option exercise price
and any withholding taxes. The balance of the sale proceeds, if
any, will be delivered to you. The directions must be given by
providing a notice of exercise form approved by the Company.

	 
	 	 
	 

	 	•   By delivery on a form approved by the Company of an irrevocable
direction to a securities broker or lender approved by the
Company to pledge Shares that are issued to you when you
exercise this Option as security for a loan and to deliver to
the Company from the loan proceeds an amount sufficient to pay
the Option exercise price and any withholding taxes. The
directions must be given by providing a notice of exercise form
approved by the Company.

	 
	 	 
	 

	 	•   Any other form permitted by the Committee in its sole discretion.

	 
	 	 
	 

	 	Notwithstanding the foregoing, payment may not be made in any form that is
unlawful, as determined by the Committee in its sole discretion.
	 
	 	 
	Withholding Taxes
and Stock
Withholding

	 	You will not be allowed to exercise this Option unless you make arrangements
acceptable to the Company to pay any withholding taxes that may be due as a
result of this Award or the Option exercise. These arrangements, at the sole
discretion of the Company, may include (a) having the Company withhold taxes
from the proceeds of the sale of the Shares, either through a voluntary sale or
through a mandatory sale arranged by the Company (on your behalf pursuant to
this authorization), (b) having the Company withhold Shares that otherwise would
be issued to you when you exercise this Option having a Fair Market Value equal
to the amount necessary to satisfy the minimum statutory withholding amount, or
(c) any other arrangement approved by the Company. The Fair Market Value of any
Shares withheld, determined as of the effective date of the Option exercise,
will be applied as a credit against the withholding taxes. You also authorize
the Company, or your actual employer, to satisfy all withholding obligations of
the Company or your actual employer with respect to this Award from your wages
or other cash compensation payable to you by the Company or your actual
employer.
	 
	 	 
	Restrictions on Resale

	 	You agree not to sell any Shares at a time when applicable laws, Company
policies or an agreement between the Company and its underwriters prohibit a
sale. This restriction will apply as long as your Service continues and for such
period of time after the termination of your Service as the Company may specify.

Financial Engines, Inc.

Stock Option Agreement

-2-

 

	 	 	 

	Transfer of Option

	 	In general, only you can exercise
this Option prior to your death. You
may not sell, transfer, assign,
pledge or otherwise dispose of this
Option, other than as designated by
you by will or by the laws of
descent and distribution, except as
provided below. For instance, you
may not use this Option as security
for a loan. If you attempt to do any
of these things, this Option will
immediately become invalid. You may
in any event dispose of this Option
in your will. Regardless of any
marital property settlement
agreement, the Company is not
obligated to honor a notice of
exercise from your former spouse,
nor is the Company obligated to
recognize your former spouse’s
interest in your Option in any other
way.
	 
	 	 
	Retention Rights

	 	Neither your Option nor this
Agreement gives you the right to be
employed or retained by the Company
or a subsidiary of the Company in
any capacity. The Company and its
subsidiaries reserve the right to
terminate your Service at any time,
with or without cause.
	 
	 	 
	Stockholder Rights

	 	Your Options carry neither voting
rights nor rights to dividends. You,
or your estate or heirs, have no
rights as a stockholder of the
Company unless and until you have
exercised this Option by giving the
required notice to the Company and
paying the exercise price. No
adjustments will be made for
dividends or other rights if the
applicable record date occurs before
you exercise this Option, except as
described in the Plan.
	 
	 	 
	Adjustments

	 	In the event of a stock split, a
stock dividend or a similar change
in Company Shares, the number of
Shares covered by this Option and
the exercise price per Share shall
be adjusted pursuant to the Plan.
	 
	 	 
	Successors and Assigns

	 	Except as otherwise provided in the
Plan or this Agreement, every term
of this Agreement shall be binding
upon and inure to the benefit of the
parties hereto and their respective
heirs, legatees, legal
representatives, successors,
transferees and assigns.
	 
	Notice

	 	Any notice required or permitted
under this Agreement shall be given
in writing and shall be deemed
effectively given upon the earliest
of personal delivery, receipt or the
third full day following mailing
with postage and fees prepaid,
addressed to the other party hereto
at the address last known in the
Company’s records or at such other
address as such party may designate
by ten (10) days’ advance written
notice to the other party hereto.
	 
	 	 
	Applicable Law

	 	This Agreement will be interpreted
and enforced under the laws of the
State of Delaware (without regard to
their choice-of-law provisions).
	 
	 	 
	The Plan and Other Agreements

	 	The text of the Plan is incorporated
in this Agreement by reference. All
capitalized terms in the Agreement
shall have the meanings assigned to
them in the Plan. This Agreement and
the Plan constitute the entire
understanding between you and the
Company regarding this Option. Any
prior agreements, commitments or
negotiations concerning this Option
are superseded. This Agreement may
be amended by the Committee without
your consent; however, if any such
amendment would materially impair
your rights or obligations under the
Agreement, this Agreement may be
amended only by another written
agreement, signed by you and the
Company.

BY ACCEPTING THIS AGREEMENT,

YOU AGREE TO ALL OF THE TERMS AND CONDITIONS

DESCRIBED ABOVE AND IN THE PLAN.

Financial Engines, Inc.

Stock Option Agreement

-3-

 

EXHIBIT A

VESTING SCHEDULE: ADDITIONAL TERMS

Notwithstanding the foregoing, if your Service as an Employee or a Consultant terminates as a
result of an Involuntary Termination (as defined below) at any time within twelve (12) months after
a Change of Control, or on or within two (2) months before a Change of Control, the vesting of the
Option shall accelerate with respect to that number of Shares for which the Option would have
vested during the twelve (12) months following the consummation of the Change in Control.

“Involuntary Termination” means (i) without your express written consent, a reduction of your
title, authority, duties, position or responsibilities relative to your title, authority, duties,
position or responsibilities in effect immediately prior to such reduction; (ii) without your
express written consent, a reduction by the Company of your base salary or bonus opportunity as in
effect immediately prior to such reduction; (iii) without your express written consent, the
relocation of your principal place of employment to a facility or a location more than fifty (50)
miles from your current location; (iv) without your express written consent, any purported
termination of your Service by the Company which is not effected for Cause or by reason of death or
disability.

“Cause” means (i) commission of a felony, an act involving moral turpitude, or an act constituting
common law fraud, and which has a material adverse effect on the business or affairs of the Company
or its affiliates or stockholders; (ii) intentional or willful misconduct or refusal to follow the
lawful instructions of the Board of Directors; or (iii) intentional breach of Company confidential
information obligations which has an adverse effect on the Company or its affiliates or
stockholders. For these purposes, no act or failure to act shall be considered “intentional or
willful” unless it is done, or omitted to be done, in bad faith without a reasonable belief that
the action or omission is in the best interests of the Company.

Financial Engines, Inc.

Stock Option Agreement

-4-exv10w2

Exhibit 10.2

FINANCIAL ENGINES, INC.

2009 STOCK INCENTIVE PLAN

NOTICE OF STOCK OPTION GRANT

     You have been granted the following Option to purchase Common Stock of FINANCIAL ENGINES, INC.
(the “Company”) under the Company’s 2009 Stock Incentive Plan (the “Plan”):

	 	 	 

	Name of Optionee:

	 	[Name of Optionee]
	 
	 	 
	Total Number of Option Shares Granted:

	 	[Total Number of Shares]
	 
	 	 
	Type of Option:

	 	[Type of Stock Option]
	 
	 	 
	Exercise Price Per Share:

	 	$                                        
	 
	 	 
	Grant Date:

	 	[Date of Grant]
	 
	 	 
	Vesting Commencement Date:

	 	[Vesting Commencement Date]
	 
	 	 
	Vesting Schedule:

	 	This Option becomes
exercisable with respect to the
first 1/4th of the Shares subject
to this Option when you complete 12
months of continuous Service as an
Employee or a Consultant from the
Vesting Commencement Date.
Thereafter, this Option becomes
exercisable with respect to an
additional 1/48th of the Shares
subject to this Option when you
complete each additional month of
such Service.
	 
	 	 
	Expiration Date:

	 	[Expiration Date]. This Option
expires earlier if your Service
terminates earlier, as described in
the Stock Option Agreement.

     By your acceptance of this Stock Option Grant, you agree that this Option is granted
under and governed by the terms and conditions of the Plan and the Stock Option Agreement (the
“Agreement”), which are attached to and made a part of this document.

     By accepting this Stock Option Grant you further agree that the Company may deliver by e-mail
all documents relating to the Plan or this Award (including without limitation, prospectuses
required by the Securities and Exchange Commission) and all other documents that the Company is
required to deliver to its security holders (including without limitation, annual reports and proxy
statements). You also agree that the Company may deliver these documents by posting them on a
website maintained by the Company or by a third party under contract with the Company. If the
Company posts these documents on a website, it will notify you by e-mail.

	 	 	 	 	 
	FINANCIAL ENGINES, INC.

 	 	 
	  	
 	 	 
	By: 	RAYMOND J. SIMS 	 	 
	 	Title:  	E.V.P. and Chief Financial Officer 	 	 
	 

 

 

FINANCIAL ENGINES, INC.

2009 STOCK INCENTIVE PLAN

STOCK OPTION AGREEMENT

	 	 	 

	Tax Treatment

	 	This Option is intended to be an incentive stock option under Section 422 of the
Internal Revenue Code or a non-qualified option, as provided in the Notice of
Stock Option Grant. Even if this Option is designated as an incentive stock
option, it shall be deemed to be a non-qualified option to the extent required
by the $100,000 annual limitation under Section 422(d) of the Internal Revenue
Code.
	 
	 	 
	Vesting

	 	This Option becomes exercisable in installments, as shown in the Notice of Stock
Option Grant. This Option will in no event become exercisable for additional
Shares after your Service as an Employee or a Consultant has terminated for any
reason.
	 
	 	 
	Term

	 	This Option expires in any event at the close of business at Company
headquarters on the day before the 10th anniversary of the Grant Date, as shown
on the Notice of Stock Option Grant (fifth anniversary for a more than 10%
stockholder as provided under the Plan if this is an incentive stock option).
This Option may expire earlier if your Service terminates, as described below.
	 
	 	 
	Regular Termination

	 	If your Service terminates for any reason except death or “Total and Permanent
Disability” (as defined in the Plan), then this Option will expire at the close
of business at Company headquarters on the date three (3) months after the date
your Service terminates (or, if earlier, the Expiration Date). The Company
determines when your Service terminates for this purpose and all purposes under
the Plan and its determinations are conclusive and binding on all persons.
	 
	 	 
	Death

	 	If your Service terminates because of death, then this Option will expire at the
close of business at Company headquarters on the date 12 months after the date
your Service terminates (or, if earlier, the Expiration Date). During that
period of up to 12 months, your estate or heirs may exercise the Option.
	 
	 	 
	Disability

	 	If your Service terminates because of your Total and Permanent Disability, then
this Option will expire at the close of business at Company headquarters on the
date 12 months after the date your Service terminates (or, if earlier, the
Expiration Date).
	 
	 	 
	Leaves of Absence

	 	For purposes of this Option, your Service does not terminate when you go on a
military leave, a sick leave or another bona fide leave of absence, if the leave
was approved by the Company in writing and if continued crediting of Service is
required by the terms of the leave or by applicable law. But your Service
terminates when the approved leave ends, unless you immediately return to active
work.
	 
	 	 
	Restrictions on Exercise

	 	The Company will not permit you to exercise this Option if the issuance of
Shares at that time would violate any law or regulation. The inability of the
Company to obtain approval from any regulatory body having authority deemed by
the Company to be necessary to the lawful issuance and sale of the Company stock
pursuant to this Option shall relieve the Company of any liability with respect
to the non-issuance or sale of the Company stock as to which such approval shall
not have been obtained.
	 
	 	 
	Notice of Exercise

	 	When you wish to exercise this Option you must provide a notice of exercise form
in accordance with such procedures as are established by the Company and
communicated to you from time to time. Any notice of exercise must specify how
many Shares you wish to purchase and how your Shares should be registered. The
notice of exercise will be effective when it is received by the Company. If
someone else wants to exercise this Option after your death, that person must
prove to the Company’s satisfaction that he or she is entitled to do so.

Financial Engines, Inc.

Stock Option Agreement

-1-

 

	 	 	 

	Form of Payment

	 	When you submit your notice of exercise, you must include payment of the Option
exercise price for the Shares you are purchasing. Payment may be made in the
following form(s):
	 
	 	 
	 

	 	•   Your personal check, a cashier’s check or a money order.

	 
	 	 
	 

	 	•   Certificates for Shares that you own, along with any forms
needed to effect a transfer of those Shares to the Company. The
value of the Shares, determined as of the effective date of the
Option exercise, will be applied to the Option exercise price.
Instead of surrendering Shares, you may attest to the ownership
of those Shares on a form provided by the Company and have the
same number of Shares subtracted from the Shares issued to you
upon exercise of the Option. However, you may not surrender or
attest to the ownership of Shares in payment of the exercise
price if your action would cause the Company to recognize a
compensation expense (or additional compensation expense) with
respect to this Option for financial reporting purposes.

	 
	 	 
	 

	 	•   By delivery on a form approved by the Company of an irrevocable
direction to a securities broker approved by the Company to sell
all or part of the Shares that are issued to you when you
exercise this Option and to deliver to the Company from the sale
proceeds an amount sufficient to pay the Option exercise price
and any withholding taxes. The balance of the sale proceeds, if
any, will be delivered to you. The directions must be given by
providing a notice of exercise form approved by the Company.

	 
	 	 
	 

	 	•   By delivery on a form approved by the Company of an irrevocable
direction to a securities broker or lender approved by the
Company to pledge Shares that are issued to you when you
exercise this Option as security for a loan and to deliver to
the Company from the loan proceeds an amount sufficient to pay
the Option exercise price and any withholding taxes. The
directions must be given by providing a notice of exercise form
approved by the Company.

	 
	 	 
	 

	 	•   Any other form permitted by the Committee in its sole discretion.

	 
	 	 
	 

	 	Notwithstanding the foregoing, payment may not be made in any form that is
unlawful, as determined by the Committee in its sole discretion.
	 
	 	 
	Withholding Taxes
and Stock
Withholding

	 	You will not be allowed to exercise this Option unless you make arrangements
acceptable to the Company to pay any withholding taxes that may be due as a
result of this Award or the Option exercise. These arrangements, at the sole
discretion of the Company, may include (a) having the Company withhold taxes
from the proceeds of the sale of the Shares, either through a voluntary sale or
through a mandatory sale arranged by the Company (on your behalf pursuant to
this authorization), (b) having the Company withhold Shares that otherwise would
be issued to you when you exercise this Option having a Fair Market Value equal
to the amount necessary to satisfy the minimum statutory withholding amount, or
(c) any other arrangement approved by the Company. The Fair Market Value of any
Shares withheld, determined as of the effective date of the Option exercise,
will be applied as a credit against the withholding taxes. You also authorize
the Company, or your actual employer, to satisfy all withholding obligations of
the Company or your actual employer with respect to this Award from your wages
or other cash compensation payable to you by the Company or your actual
employer.
	 
	 	 
	Restrictions on Resale

	 	You agree not to sell any Shares at a time when applicable laws, Company
policies or an agreement between the Company and its underwriters prohibit a
sale. This restriction will apply as long as your Service continues and for such
period of time after the termination of your Service as the Company may specify.

Financial Engines, Inc.

Stock Option Agreement

-2-

 

	 	 	 

	Transfer of Option

	 	In general, only you can exercise
this Option prior to your death. You
may not sell, transfer, assign,
pledge or otherwise dispose of this
Option, other than as designated by
you by will or by the laws of
descent and distribution, except as
provided below. For instance, you
may not use this Option as security
for a loan. If you attempt to do any
of these things, this Option will
immediately become invalid. You may
in any event dispose of this Option
in your will. Regardless of any
marital property settlement
agreement, the Company is not
obligated to honor a notice of
exercise from your former spouse,
nor is the Company obligated to
recognize your former spouse’s
interest in your Option in any other
way.
	 
	 	 
	Retention Rights

	 	Neither your Option nor this
Agreement gives you the right to be
employed or retained by the Company
or a subsidiary of the Company in
any capacity. The Company and its
subsidiaries reserve the right to
terminate your Service at any time,
with or without cause.
	 
	 	 
	Stockholder Rights

	 	Your Options carry neither voting
rights nor rights to dividends. You,
or your estate or heirs, have no
rights as a stockholder of the
Company unless and until you have
exercised this Option by giving the
required notice to the Company and
paying the exercise price. No
adjustments will be made for
dividends or other rights if the
applicable record date occurs before
you exercise this Option, except as
described in the Plan.
	 
	 	 
	Adjustments

	 	In the event of a stock split, a
stock dividend or a similar change
in Company Shares, the number of
Shares covered by this Option and
the exercise price per Share shall
be adjusted pursuant to the Plan.
	 
	 	 
	Successors and Assigns

	 	Except as otherwise provided in the
Plan or this Agreement, every term
of this Agreement shall be binding
upon and inure to the benefit of the
parties hereto and their respective
heirs, legatees, legal
representatives, successors,
transferees and assigns.
	 
	 	 
	Notice

	 	Any notice required or permitted
under this Agreement shall be given
in writing and shall be deemed
effectively given upon the earliest
of personal delivery, receipt or the
third full day following mailing
with postage and fees prepaid,
addressed to the other party hereto
at the address last known in the
Company’s records or at such other
address as such party may designate
by ten (10) days’ advance written
notice to the other party hereto.
	 
	 	 
	Applicable Law

	 	This Agreement will be interpreted
and enforced under the laws of the
State of Delaware (without regard to
their choice-of-law provisions).
	 
	 	 
	The Plan and
Other Agreements

	 	The text of the Plan is incorporated
in this Agreement by reference. All
capitalized terms in the Agreement
shall have the meanings assigned to
them in the Plan. This Agreement and
the Plan constitute the entire
understanding between you and the
Company regarding this Option. Any
prior agreements, commitments or
negotiations concerning this Option
are superseded. This Agreement may
be amended by the Committee without
your consent; however, if any such
amendment would materially impair
your rights or obligations under the
Agreement, this Agreement may be
amended only by another written
agreement, signed by you and the
Company.

BY ACCEPTING THIS AGREEMENT,

YOU AGREE TO ALL OF THE TERMS AND CONDITIONS

DESCRIBED ABOVE AND IN THE PLAN.

Financial Engines, Inc.

Stock Option Agreement

-3-

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