Document:

Exhibit 4.CC

 EXHIBIT (4)(cc) 
  
 FORM OF POLICY RIDER (5 FOR LIFE – GROWTH – WITH DEATH BENEFIT) 

							
	

	  	 [
	  	 Home Office:
  
 4333 Edgewood Road N.E.
 Cedar Rapids, Iowa 52499
 (319)398-8511
	  	 ]

  
 GUARANTEED MINIMUM
WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
  
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is
attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
  
 Rider Data Specification 
  

							
	 Policy Number:
 Rider Date:
	 	[	 	07 - 12345
09-01-2005	 	]
	 Growth Rate Percentage:
 “For Life” Withdrawal Percentage:*
 Rider Fee Percentage:
	 	[	 	5.00%
5.00%
0.75%	 	]

	*	If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st following the annuitant’s [59th] birthday. 

 
 ARTICLE I 
  
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner.
This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider any time after the [third] rider anniversary. Termination of the rider will result in the loss of all benefits provided
by the rider. 
  
 If you elect this rider, 100% of your policy value must be in
one or more of the designated funds. You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force.
After the [third] rider anniversary, if you wish to make a transfer to a non-designated fund, this rider must be terminated prior to making the transfer. 
  
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  
 DEFINITIONS: 
  
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
  
 Gross Partial Withdrawal 
  
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
  
 Rider Anniversary 
  
 The anniversary of the rider date. 
  
 Rider Fee 
  
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
  
 Rider Year 
  
 Each twelve-month period following the rider date. 
  

			
	RGMB 15 0905	 	(1)

 ARTICLE II 
  
 GROWTH BENEFIT AND GROWTH PERIOD 
  
 The total withdrawal base will accumulate using the growth rate percentage as described in Article II. The growth period is the period of time from the rider date until
the earlier of the first withdrawal or the [10th] rider anniversary. 
  
 FOR
LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
  
 Under this rider, we guarantee
that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
  
 Withdrawals will reduce the policy value of the policy to which this rider is attached. Once the policy value equals zero, you cannot make subsequent premium payments and
all other policy features, benefits and guarantees are terminated except those provided by this rider. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the
payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
  
 Maximum Annual Withdrawal Amount 
  
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage shown on page 1. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  
 If any of the above are not true, then 2) is equal to zero and it is not
available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an
excess gross partial withdrawal (as described under “Total Withdrawal Base” below). 
  
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage shown on page 1. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage will be equal to 0%.

  

			
	RGMB 15 0905	 	(2)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  
 If any of the above are not true, then 2) is equal to zero and the minimum
required distribution is not available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be
considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
  
 Minimum Remaining Withdrawal Amount 
  
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum
annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount
after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under
“Minimum Withdrawal Amount Adjustments” below). 
  
 Minimum Remaining
Withdrawal Amount Adjustments 
  
 Gross partial withdrawals up to the maximum
annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by
the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount 

 
 Total Withdrawal Base 
  
 The total withdrawal base on the rider date is equal to the policy value (less any premium
enhancements, if the rider is added in the first policy year). 
  
 The total
withdrawal base during the growth period (as described in “Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 
 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

  

			
	RGMB 15 0905	 	(3)

 ARTICLE II CONTINUED 
  
 Total Withdrawal Base Adjustments 
  
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual
withdrawal amount will reduce the total withdrawal base by the greater of: 
  

	 	1)	the excess gross partial withdrawal amount; and 

  

	 	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C	is the total withdrawal base prior to the withdrawal of the excess amount. 

  
 Death Benefit 
  
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then
terminate. 
  
 ARTICLE III 
  
 CONTINUATION 
  
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse
is the sole beneficiary, the surviving spouse may elect to continue the policy and rider and no additional death benefit will be paid under this rider. 
  
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to
receive lifetime income payments instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided
by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining
withdrawal amount equals zero, the annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
  
 RIDER UPGRADE 
  
 You may elect, in writing, to upgrade the total withdrawal base to the policy value, after the [third] rider anniversary, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will
terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will also have its own
Rider Fee Percentage which may be higher than this rider’s rider fee percentage. 
  
 At the time of upgrade, the minimum remaining withdrawal amounts will also be upgraded to the policy value and the maximum annual withdrawal amounts will be recalculated based on the new total withdrawal base. 
  
 The new rider effective date will be the date the Company receives all information necessary,
in a written form acceptable to the Company, to process the upgrade. The Company currently allows an upgrade at any time after the [third] rider anniversary. After your [fourth] rider anniversary, the Company reserves the right to limit upgrade
requests to 30 calendar days after each rider anniversary. 
  
 Signed for us at our home office. 
  

			
	

	 	

		
	                SECRETARY	 	                PRESIDENT

  

			
	RGMB 15 0905	 	(4)Letter Agreement

 Exhibit 10.1 
  
 September 21, 2005 
  
 Jill Richling 
 16331 Content Circle 
 Huntington Beach, CA 92649 
  
 Dear Jill: 
  
 It is a pleasure to offer you the
position of Vice President at Autobytel Inc. Please be reminded that our offer of employment is contingent upon completion of our background check and your reviewing and accepting the terms of our various pre-hire and new-hire documents,
including the employee handbook, the Confidentiality Agreement, the Arbitration Agreement, the Securities Trading Policy, and the Code of Conduct and Ethics for Employees, Officers and Directors. Following is a summary of our offer: 
  

			
	Position:	  	Vice President
		
	Semi-Monthly Rate:	  	$7,916.67 ($190,000.00 Annualized)
		
	Hire Date:	  	TBD
		
	Stock Options:	  	75,000 subject to applicable securities laws, and including standard three year vesting and accelerated vesting in the event of a Change of Control (as defined in Schedule I
hereto).
		
	Bonus Opportunity:	  	Target bonus opportunity is up to 25%, on an annual basis based on achievement of specified objectives. Specific objectives and plan details to be outlined in a separate document and
incorporated herein by reference. Bonus will be prorated based upon actual time worked within the first year of employment.
		
	Vacation Accrual:	  	Three (3) weeks per year

  
 As a condition of employment, you will
be required to sign the standard Employee Confidentiality Agreement and the Arbitration Agreement, which will apply during your employment with the Company and thereafter. Two originals of each of these agreements are enclosed for your review. Upon
acceptance of this offer of employment, please sign and/or date in the designated areas, and return two signed originals of each directly to me. Mike Schmidt, Autobytel Inc.’s EVP, Chief Financial Officer, will then sign and return one
complete package to you for your records. 
  
 Enclosed you will also find
information regarding our benefits package. Please review the information, fill out as much as possible, and bring it with you on your first day of employment. If you have any questions or concerns they will be addressed during your new hire
orientation or you may contact Terry Brennan at (949) 862-3058. 
  
 The
Immigration Reform and Control Act of 1986 requires all new associates to provide proof of citizenship and/or right to work documentation within three (3) days from the commencement of employment. A list of acceptable documents is enclosed.
Please bring documents to verify employment eligibility on your first day of work. 
  

					
	Autobytel Inc.	  	1	  	Offer Letter

 The provisions of this letter are severable which means that if any part of the letter is legally unenforceable, the
other provisions shall remain fully valid and enforceable. This letter sets forth our complete understanding regarding the matters addressed herein and supersedes all previous agreements or understandings between you and the Company, whether written
or oral. 
  
 Jill, while we sincerely hope your employment relationship with
Autobytel Inc., will be mutually rewarding, we want to be clear that by our policy, your employment is “at will” and there is no express or implied contract of employment for a specified period of time. This means that you may resign at
any time without notice and that Autobytel Inc. may terminate your employment at any time without cause, subject to the severance arrangements specified in Schedule I hereto. Our at-will employment policy may not be changed except by an explicit
written agreement signed by both you and the President and CEO of Autobytel Inc. This policy supersedes any prior written or oral communications to the contrary. 
  
 In addition, Autobytel requires that you comply with all terms of any employment agreement that you may have with your current or former
employer, Finova Capital Corp. (“Finova”). Specifically, Autobytel expects that you will comply with any notification requirements of any agreement with Finova, and Autobytel will adjust your start date accordingly to accommodate any
required notice period. 
  
 Autobytel further expects that you will comply with
any confidentiality provisions of any agreement with Finova. Moreover, and regardless of whether you have a written agreement with Finova, Autobytel does not want you to disclose to us or provide copies of any confidential, proprietary or trade
secret information from Finova. This offer shall expire 7 days from date of issue. Please indicate acceptance of our offer by signing and returning the enclosed copy of this letter. By signing this offer letter you also will be acknowledging
that you are not relying on any promises or representations other than those set forth above in deciding to accept this conditional offer of employment. You may fax a signed copy, if you wish, to our confidential fax at (949) 862-1324. Feel
free to call if you have questions. We look forward to having you join the Autobytel Inc. team. 
  

	
	
	/s/ Jill Richling
	Jill Richling
	
	 
	Projected Start Date

  

	
	 Best regards,

	Autobytel Inc.
	
	 /s/ Mark Ernst

	 Mark Ernst

	 V.P., Human Resources

  

					
	Autobytel Inc.	  	2	  	Offer Letter

 Schedule I 
  
 “Change of Control” shall be defined as the occurrence of any of the following: (i) the consummation of the sale, lease, transfer, conveyance or other
disposition (other than by way of merger or consolidation but not including any public offering) in one or a series of related transactions of all or substantially all of the assets of the Company taken as a whole to any person (a
“Person”) or group of Persons acting together (a “Group”) (other than any of the Company’s wholly-owned subsidiaries or any Company employee pension or benefits plan), (ii) the adoption of a plan relating to the
liquidation or dissolution of the Company, (iii) the consummation of any transactions (including any stock or other purchase, sale, acquisition, disposition, merger, consolidation or reorganization, but not including any public offering) the
result of which is that any Person or Group (other than any of the Company’s wholly-owned subsidiaries or any Company employee pension or benefits plan), becomes the beneficial owner of more than 40 percent of the aggregate voting power of all
classes of stock of the Company having the right to elect directors under ordinary circumstances; or (iv) the first day on which a majority of the members of the board of directors of the Company (the “Board”) are not individuals who
were nominated for election or elected to the Board with the approval of two-thirds of the members of the Board just prior to the time of such nomination or election. 
  
 In the event of your termination by the Company without Cause (as defined below) or by you for Good Reason (as defined below), you shall be
entitled to a severance payment equal to six month’s base salary at the highest rate paid to you while employed by the Company and Benefits (as defined below) for six months following termination. 
  
 As used herein, the term “for Cause” shall refer to the termination of your
employment as a result of any one or more of the following: (i) any conviction of, or pleading of nolo contendre by, you for any crime or felony; (ii) any willful misconduct by you which has a materially injurious effect on the business or
reputation of the Company; (iii) your gross dishonesty which has a materially injurious effect on the business or reputation of the Company; (iv) failure to consistently discharge your duties which failure continues for thirty
(30) days following written notice from the Company detailing the area or areas of such failure; or (v) violation of Company policies of a serious nature, examples of which include but are not limited to: discrimination or harassment tied
to race, color, gender, age, national origin, sexual orientation, disability, medical condition, marital status, veteran status, or religion; theft; falsification of Company records; being under the influence or in the possession of illegal drugs or
controlled substances on Company property; possession of fire arms or other weapons or explosives on Company property; or similar serious violations of Company policies. For purposes hereof, no act or failure to act, on your part, shall be
considered “willful” if it is done, or omitted to be done, by you in good faith or with reasonable belief that your action or omission was in the best interest of the Company. You shall have the opportunity to cure any such acts or
omissions (other than item (i) above) within fifteen (15) days of your receipt of notice from the Company finding that, in the good faith opinion of the Company, you are guilty of acts or omissions constituting “Cause”.

  
 The term termination “without Cause” shall mean the termination of
your employment for any reason other than (i) death, (ii) disability (as determined by the Company) or (iii) those reasons expressly set forth in the definition “for Cause” above, or no reason at all, and shall also mean
your decision to terminate your employment with the Company by reason of any act, decision or omission by the Company or the Board that materially reduces your salary or your authority, functions or duties (each a “Good Reason”).

  
 “Benefits” shall mean participation, including eligible dependents,
in any Company medical, dental or other health plans. 
  

					
	Autobytel Inc.	  	3	  	Offer Letter

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