Document:

<PAGE>

                             VOTING TRUST AGREEMENT

         VOTING TRUST AGREEMENT, dated as of February 11, 2000 (this
"Agreement"), among UICI, a Delaware corporation (the "UICI"), which is
concurrently herewith depositing shares of common stock, no par value (the
"Common Stock"), of HealthAxis.com, Inc., a Pennsylvania corporation
("HealthAxis"), in the Voting Trust created hereunder, and Michael Ashker,
Edward W. LeBaron, Jr. and Dennis B. Maloney as Trustees (the "Trustees").

         WHEREAS, UICI has entered into that certain Agreement and Plan of
Merger, dated as of January 26, 2000 (the "Merger Agreement"), by and among
HealthAxis, Inc. (f/k/a Provident American Corporation), a Pennsylvania
corporation (the "Company"), HealthAxis, and HealthAxis Acquisition Corp., a
Pennsylvania corporation ("Newco"), pursuant to which HealthAxis will be merged
with and into Newco (the "Merger") and each share of Common Stock will be
exchanged for 1.127 shares of common stock, $0.10 par value per share, of the
Company (the "Shares"); and

         WHEREAS, the Trustees have consented to act as trustees under and in
accordance with the Voting Trust created hereunder.

         NOW, THEREFORE, the parties hereto hereby agree as follows:

         1. Delivery of Stock to Trustees.

                  (a) Concurrently with the execution of this Agreement, UICI is
depositing with the Trustees a certificate or certificates representing
10,103,207 shares of Common Stock either endorsed to the Trustees or accompanied
by appropriate stock transfer powers duly executed in blank for the transfer
thereof to the Trustees. The Trustees shall cause the Common Stock represented
by such certificate to be registered in the names of the Trustees on the books
of HealthAxis and shall cause such Common Stock to be exchanged for the Shares
and registered in the names of the Trustees on the books of the Company.

                  (b) All certificates representing the Shares or the Common
Stock subject to this Agreement (the "Trust Securities") shall be registered in
the name of the Trustees and shall bear the following legend:

         "This certificate has been issued pursuant to, and the shares of Common
         Stock represented hereby are subject to, the terms of that certain
         Voting Trust Agreement, dated February 11, 2000, among UICI, a Delaware
         corporation, and Michael Ashker, Edward W. LeBaron, Jr. and Dennis B.
         Maloney as Trustees."

         A similar legend shall be placed in the stock ledger of HealthAxis or
the Company, as the case may be, with respect to each certificate representing
the Trust Securities subject to this Agreement.

                  (c) Upon any transfer of Trust Securities in accordance with
this Agreement, the Common Stock or Shares, as the case may be, will be released
from this Voting Trust and no longer constitute Trust Securities. The Trustees
will remove the legend set forth in Section 1(b) from the stock ledger of
HealthAxis or the Company, as the case may be, and will issue a new certificate
representing the Common Stock or Shares, as the case may be, to the transferee
of the Common Stock or Shares, as the case may be.

         2. Creation of Voting Trust.

                  (a) There is hereby created a voting trust (the "Voting
Trust") in respect of all of the Trust Securities. Upon receipt of the
certificate or certificates representing the Trust Securities deposited with the
Trustees hereunder, the Trustees shall deliver to UICI a Voting Trust
Certificate in the form attached hereto as Exhibit A, evidencing such Trust
Securities registered in UICI's name.

                  (b) The Voting Trust shall be known as the "UICI Voting
Trust."

<PAGE>

         3. Voting and Other Rights.

                  (a) The Trustees shall have the full and unqualified right and
power in their discretion, until the Trust Securities are no longer subject to
the provisions of this Agreement, (i) to vote the Trust Securities either in
person or by proxy for every purpose for which the Trust Securities may be voted
according to HealthAxis' or the Company's, as the case may be, Certificate of
Incorporation and the Pennsylvania Business Corporation Law of 1988, as amended,
and/or to give written consent in lieu of voting thereon to any corporate act of
HealthAxis or the Company, as the case may be, including, without limitation,
the election of directors by the holders of Common Stock or Shares, as the case
may be, any amendments of HealthAxis' or the Company's, as the case may be,
Certificate of Incorporation, the merger or consolidation of HealthAxis or the
Company, as the case may be, into or with any other corporation or corporations,
a share exchange of the Common Stock or Shares, as the case may be, the sale of
all or substantially all of the assets of HealthAxis or the Company, as the case
may be, and the liquidation or dissolution of HealthAxis or the Company, as the
case may be, (ii) to waive, with respect to the Trust Securities, notice of any
regular or special meeting of stockholders of HealthAxis or the Company, as the
case may be, (iii) to call meetings of stockholders, and (iv) to exercise all
UICI's rights and powers in respect to the Trust Securities.

                  (b) The Trustees shall not take any action under this
Agreement unless the action to be taken has been concurred in by a majority of
the Trustees. When there are less than three Trustees, concurrence of all the
Trustees shall be required for any action by them. The Trustees may act at a
meeting (which may be by telephone or similar means of communication), or in
writing approved by at least the minimum number of Trustees that would be
necessary to authorize or take such action.

                  (c) The Trustees in their discretion may appoint an agent or
agents to hold the certificates representing the Trust Securities, to act as
transfer agent with respect to the certificates, to keep suitable transfer and
other records and otherwise to act as agent, subject to the direction of the
Trustees.

         4. Dividends, Etc. All dividends on and distributions in respect of any
of the Trust Securities (including dividends, distributions or other payments
made in shares of voting stock or other securities of HealthAxis or the Company,
as the case may be) shall, upon receipt by the Trustees, be promptly paid over
to UICI (less any income or other taxes which may be required by law to be
deducted); provided, that the Trustees may direct HealthAxis or the Company, as
the case may be, to make payment of dividends and distributions directly to
UICI.

         5. Transfers.

                  (a) Subject to Sections 5(b), 5(c) and 5(d) of this Agreement,
UICI shall not have any right to, and the Trustees shall not, sell, pledge or
otherwise dispose of the Trust Securities, or any beneficial interest in any of
the Trust Securities, so long as the Voting Trust is in existence in accordance
with the terms of Section 6 of this Agreement.

                  (b) UICI may cause the Trustees to sell Trust Securities so
long as, giving effect to such sale, UICI will not beneficially own a number of
Common Stock or Shares, as the case may be, which are not deposited with the
Trustees hereunder, in excess of the number of Trust Securities held by the
Trustees after such sale.

                  (c) Upon the sale of any of the Common Stock or Shares, as the
case may be, beneficially owned by UICI which are not deposited with the
Trustees hereunder, UICI shall have the right, but not the obligation, to
require the Trustees to sell an equal number of Trust Securities. The proceeds
from the sale of such Trust Securities shall be distributed to UICI by the
Trustees.

                  (d) In connection with any tender offer for the Trust
Securities, UICI shall have the right to require the Trustees to tender all of
the Trust Securities held by the Voting Trust so long as UICI, concurrently with
such tender, tenders all of the Common Stock or Shares, as the case may be,
beneficially owned by UICI which are not deposited with the Trustees hereunder.
The proceeds from the tender of such Trust Securities shall be distributed to
UICI by the Trustees.

                  The term "beneficially owned" shall have the meaning ascribed
thereto in Rule 13d-3 under the Securities Exchange Act of 1934. For the
avoidance of doubt, UICI shall be deemed to beneficially own the Trust
Securities.

<PAGE>

         6. Termination.

                  (a) This Agreement shall terminate and be of no further force
and effect upon the earliest to occur of (i) February 11, 2020, (ii) such time
as UICI beneficially owns less than 20% of the issued and outstanding Common
Stock or Shares, as the case may, be on a fully diluted basis, (iii) such time
as any person or persons acting as a group (within the meaning of Rule 13d-5)
owns 51% or more of the issued and outstanding Common Stock or Shares, as the
case may, on a fully diluted basis and (iv) July 31, 2000, if the transactions
contemplated by the Merger Agreement have not been consummated or earlier if the
Merger Agreement is otherwise terminated.

                  (b) Upon any filing of bankruptcy, dissolution or total or
partial liquidation of HealthAxis or the Company, as the case may be, whether
voluntary or involuntary, the Trustees shall direct that all moneys, securities,
rights or property attributable to the Trust Securities be delivered to UICI.

         7. No Compensation. The Trustees shall not be entitled to any
compensation for services rendered as trustees in connection with their duties
under this Agreement.

         8. Successor Trustee.

                  (a) The number of Trustees of the Voting Trust shall be three
or such lesser number as determined by the Trustees; provided, however, that the
number of Trustees of the Voting Trust shall not be less than two.

                  (b) Each of the members of the Board of Directors (the "Board
of Directors") of HealthAxis or the Company, as the case may be, who are not
affiliated with UICI, shall be eligible to serve as a Trustee (an "Eligible
Person"). The term "affiliated" shall have the meaning ascribed thereto in Rule
405 under the Securities Act of 1933.

                  (c) Any Trustee may resign at any time, for any reason, by
mailing to HealthAxis or the Company, as the case may be, the other Trustees and
UICI a written resignation to take effect 20 days thereafter or upon the prior
acceptance thereof. If any Trustee ceases to be an Eligible Person for any
reason, such event shall be deemed to be a resignation of such Trustee hereunder
effective immediately upon such event.

                  (d) Upon the resignation, death or permanent disability of a
Trustee, the continuing Trustees may unanimously select any Eligible Person to
serve as a Trustee.

         9. Procedures to Follow on Mergers, Consolidation, Shares, etc. The
Trustees' right to vote (or consent thereto in lieu of voting) any of the Trust
Securities on any merger, consolidation, share exchange or sale of all or
substantially all of the assets of HealthAxis or the Company, as the case may,
or to sell the Trust Securities is subject to satisfaction of the following
conditions:

                  (a) The Trustees must give UICI notice, specifying full
details of the proposed transaction, including the identity of the other parties
thereto and the consideration to be received thereon, of such proposed vote,
consent or proposed sale at least 20 days before taking action thereon.

                  (b) The Trustees shall not, except with the consent of UICI,
directly or indirectly, have any interest as the purchaser of the Trust
Securities or in any other party (other than HealthAxis or the Company, as the
case may) to a transaction to which this Section 9 is subject or receive any
benefit from such transaction that is not available to all stockholders pro
rata. As used in this Section 9(b), "interest" means any direct or indirect
interest, whether as owner, shareholder, partner, employee, officer, director or
consultant.

                  (c) The Trustees shall not vote on (or consent to) any
transaction nor shall the Trustees sell the Trust Securities, unless HealthAxis
or the Company, as the case may be, has received the opinion of a nationally
recognized investment banking firm that the terms of the transaction or sale are
fair to the shareholders of HealthAxis or the Company, as the case may be.

<PAGE>

                  (d) Unless consented to by UICI, the consideration to be
received by UICI on account of its Common Stock or Shares, as the case may, in
any merger, consolidation, share exchange, sale of assets or sale of Trust
Securities subject to this Agreement shall consist entirely of either or both
(x) cash, or (y) securities of a corporation which are either listed on a
national securities exchange or actively traded in an over-the-counter market
and, for which UICI shall have the agreement of the issuing corporation to
register (at such corporation's expense (except for expenses normally assumed by
the holder of registration rights, such as attorneys' fees) and within a
reasonable time) such securities under the Securities Exchange Act of 1933
and/or applicable state securities laws, which allows UICI to sell such
securities. Any such cash or securities received by the Trustees shall promptly
be distributed to UICI.

         10. Amendments. This Agreement may be amended from time to time by a
written instrument executed by UICI and a majority of the Trustees.

         11. Exculpation and Indemnification. The Trustees hereby accept the
trust created hereby, but assume no responsibility for the management of
HealthAxis or the Company, as the case may be, or for any action taken by any of
them, by any person they have elected as a director of Newco, HealthAxis or the
Company, as the case may be, or UICI or by HealthAxis or the Company, as the
case may be, pursuant to any vote cast or consent given by the Trustees. The
Trustees, whether or not acting upon the advice of counsel, shall incur no
liability because of any error of law or fact, mistake of judgment or any matter
or thing done or omitted under this Agreement, except for their own individual
malfeasance. The Trustees may in their discretion consult with counsel, who may
be counsel for HealthAxis or the Company, as the case may be, and anything done
or suffered in good faith by the Trustees in accordance with the opinion of
counsel shall be conclusive in favor of the Trustees against HealthAxis or the
Company, as the case may be, UICI and any other interested party. The Trustees
shall be indemnified by HealthAxis or the Company, as the case may be, against
any liability or expense, including legal expense, incurred them in carrying out
their duties; except that they shall not be indemnified for their own individual
malfeasance, where such malfeasance is the result of gross negligence or bad
faith, as defined by a non-appealable order of a court of competent
jurisdiction.

         12. Conflicts of Interest. Any Trustee may be a creditor or shareholder
of HealthAxis or the Company, as the case may be, and may act as an officer or
employee of HealthAxis or the Company, as the case may be, and receive
compensation therefor. In addition, any Trustee and any firm of which he may be
a member or equity owner may contract with HealthAxis or the Company, as the
case may be, or buy or become pecuniarily interested in any matter or
transaction to which the corporation may be a party or in which it may be in any
way concerned, as fully as if he were not the Trustee.

         13. Successors. This Agreement shall inure to the benefit of and be
binding upon the Trustees and UICI and its legal representatives, successors and
assigns.

         14. Construction. The Trustees are authorized and empowered to construe
this Agreement, and their construction of the same in good faith shall be final,
conclusive and binding upon them, UICI and any other interested party.

         15. Governing Law. This Agreement shall be construed in accordance with
the internal law (and not the law of conflicts) of the Commonwealth of
Pennsylvania.

         16. Severability. In case any one or more of (a) the provisions
contained in this Voting Trust Agreement or (b) the deposits of the Trust
Securities by UICI with the Trustees of the Voting Trust, should be invalid,
illegal or unenforceable in any respect, the validity, legality and
enforceability of the remaining provisions and deposits shall not in any way be
affected or impaired thereby.

         17. Counterparts. This Agreement may be executed in any number of
counterparts, each of which shall be deemed to be an original and all of which
together shall be deemed to be one and the same instrument.

                                  * * * * * * *

<PAGE>

         IN WITNESS WHEREOF, the undersigned Shareholder and the Trustees have
executed this Voting Trust Agreement as of the date first above written.

                                          TRUSTEES

                                          /s/  Michael Ashker
                                          ----------------------------
                                          Michael Ashker

                                          /s/   Edward W. LeBaron, Jr.
                                          ----------------------------
                                          Edward W. LeBaron, Jr.

                                          /s/    Dennis B. Maloney
                                          ----------------------------
                                          Dennis B. Maloney

                                          UICI

                                          By: /s/ Glenn W. Reed
                                              ------------------------
                                          Name:  Glen W. Reed
                                          Title: Executive Vice President
                                                 and General Counsel

Acknowledged and accepted:

HEALTHAXIS, INC.

By:  /s/ Francis L. Gillan III
     ---------------------------
Name:  Francis L. Gillan III
Title: Chief Financial Officer

HEALTHAXIS.COM, INC.

By:  /s/ Anthony R. Verdi
     ---------------------------
Name:  Anthony R. Verdi
Title: Chief Financial Officer
<PAGE>

                                                                    EXHIBIT A

                            VOTING TRUST CERTIFICATE

No._______________                                             ________ Shares

         This certifies that UICI, a Delaware corporation ("UICI"), has
deposited or caused to be deposited _____ shares of the Common Stock of
[HealthAxis.com, Inc./HealthAxis, Inc.], a Pennsylvania corporation
("Corporation"), with the Trustees under a Voting Trust Agreement, dated as of
February 11, 2000 (the "Agreement"), among UICI and the Trustees. In accordance
with the Agreement, the Trustees shall possess and be entitled to exercise the
rights and powers of ownership pertaining to such shares, including the right to
vote and to sell the same as stated in the Agreement.

         This certificate shall be transferable only on the books and records of
the Trust on surrender hereof by UICI in person or by attorney duly authorized
and, until so transferred, the Trustees may treat UICI as the owner of this
certificate for all purposes whatsoever.

         This certificate is issued pursuant to, and the rights of UICI are
subject to, and limited by the terms and conditions of, the Agreement. UICI, by
the acceptance hereof, assents to and agrees to be bound by, all the terms and
provisions of the Agreement. Copies of the Agreement are on file at the
registered office of the Corporation and at the offices of the Trustees.

         IN WITNESS WHEREOF, this certificate has been duly executed on behalf
of the Trustees this ___ day of __________, 2000.

                                          ------------------------------------
                                          _____________________, Trustee

                                                    ASSIGNMENT

         FOR VALUE RECEIVED, ____________________________ hereby assigns the
within certificate, and all rights and interests represented thereby, to
_____________________ and appoints ________________________ attorney to transfer
this certificate on the books of the Trustees mentioned therein, with full power
of substitution.

Dated:

                                         -----------------------------------<PAGE>

EXHIBIT 10.1
                         AMENDMENT TO PURCHASE AGREEMENT

            This Amendment to Purchase Agreement is made as of December 30,
1999, by and between:

            KARL E. BOELLERT, a person of the age of majority and domiciled
in Calcasieu Parish, Louisiana, whose mailing address is P.O. Box 4385, Lake
Charles, Louisiana 70606-4385 (the "Individual"); and

         PLAYERS LAKE CHARLES, LLC (successor in interest to Players Lake
Charles, Inc.), a Louisiana limited liability company ("Players"), herein
represented by Players Lake Charles Riverboat, Inc., its duly authorized
managing member, which appears herein by and through John Groom, its duly
authorized president, whose mailing address is 2333 Broad Street, Lake Charles,
Louisiana 70601.

                                   BACKGROUND

            A. Pursuant to the terms of that certain Purchase Agreement dated as
of March 1, 1999, by and between Players and the Individual (the "Purchase
Agreement"), Players has offered to purchase from the Individual and the
Individual has agreed to sell and convey to Players the Boellert Payment
Interest (as that term is defined in the Purchase Agreement), all subject to the
terms and conditions of the Purchase Agreement. All terms used herein shall have
the meaning ascribed to them in the Purchase Agreement unless the context
clearly requires otherwise.

            B. Players and Boellert desire to amend certain provisions of the
Purchase Agreement to provide, among other things, for the acceleration of a
certain portion of the purchase price in consideration of an extension of the
Closing Date, all in accordance with the terms of this Amendment.

            NOW, THEREFORE, in consideration of the foregoing, the mutual
promises contained herein, and other good and valuable consideration, the
receipt and legal sufficiency of which are hereby acknowledged, the parties
hereto, intending to be legally bound hereby, agree as follows:

1.          Incorporation of Background. The Background provisions above are
incorporated herein by this reference as if set forth at length. Players and the
Individual hereby acknowledge the truth and accuracy of the Background
provisions.

2.          Amendment to Certain Provisions of the Purchase Agreement.

         (a) Paragraph 2 of the Purchase Agreement shall be deleted and in its
place the following shall be substituted:

         2. Purchase and Sale of Boellert Payment Interest. On or before
         February 29, 2000, Players shall purchase from the Individual, and the
         Individual shall sell to Players the Boellert Payment Interest. Players
         shall provide the Individual with at least two (2) days' notice of the
         date of the closing of such transactions (the "Closing Date").

         (b) The first sentence of Paragraph 3 of the Purchase Agreement shall
be deleted and in its place the following shall be substituted:

<PAGE>

         3. Purchase Price. In consideration of the purchase of the Boellert
         Payment Interest, on the Closing Date, Players shall purchase a fixed
         annuity contract for the benefit of the Individual (the "Annuity"),
         which Annuity shall provide for monthly payments in the amounts and at
         the times provided below:

         (c) Paragraph 4 of the Purchase Agreement shall be deleted and in its
place the following shall be substituted:

         4. Release and Non-Compete Agreement. In consideration of the purchase
         of the Annuity, the Individual shall execute and deliver to Players a
         Release and Non-Compete Agreement in substantially the form attached
         hereto as Exhibit "A" (the "Release and Non-Compete Agreement").

         (d) Paragraph 7 of the Purchase Agreement shall be deleted and in its
place the following shall be substituted:

         7. Time of Closing; Closing Deliveries. Closing of the purchase and
         sale of the Boellert Payment Interest ("Closing") shall take place on
         the Closing Date at a time and a place mutually convenient to the
         parties. At Closing, Players shall deliver to the Individual evidence
         of the purchase of the Annuity and the opinion of a tax adviser as
         referenced in paragraph 3, above, and the Individual shall deliver to
         Players the Release and Non-Compete Agreement.

         (e) Exhibit "A" to the Purchase Agreement shall be deleted and in its
place shall be substituted the form of Release and Non-Compete Agreement
attached hereto as Exhibit "A".

3.          Status of Conditions Precedent; Representation of the Individual.
Players and the Individual acknowledge that in response to the request of
Players' counsel seeking Regulatory Approval of the Transactions from the Board,
the Board's attorney, William J. Quinlan, Jr., Assistant Attorney General,
provided a letter to Players' counsel indicating that while the Board would not
render any opinion regarding the proposed Transactions, the Board would not use
a failure to obtain approval as a basis for regulatory action against any
disclosed party to the agreements. Players has determined that this statement
satisfies the requirement for Regulatory Approval contained in Paragraph 5 of
the Purchase Agreement. The Individual represents to Players that there are no
third parties with any interest in the Purchase Agreement, or the Individual's
right to receive payments thereunder and acknowledges that such representation
is a material representation on which Players is entitled to rely in proceeding
to Closing.

                                       2
<PAGE>

4.          Consideration for Amendment. In consideration of the Individual's
agreement to amend the Purchase Agreement, including the extension of the
Closing Date provided for herein, on or before December 31, 1999, Players shall
pay to the Individual the sum of One Hundred Thousand and No/100 Dollars
($100,000.00) (the "Extension Consideration") in immediately available funds.

5.          Limitation on Modifications. Except as specifically amended hereby,
all terms contained in the Purchase Agreement shall remain in full force and
effect.

6.          Counterparts. This Amendment may be executed in one or more
counterparts, all of which taken together shall constitute one instrument.

            IN WITNESS WHEREOF, the parties hereto have executed this Amendment
before the undersigned, competent witnesses, and the notaries shown below, as of
the date first above written.

                                                     s/s Karl E. Boellert
                                                     --------------------
                                                     Karl E. Boellert
WITNESSES:

___________________________

___________________________

                   __________________________________________
                                  Notary Public

ATTEST:
                                       PLAYERS LAKE CHARLES, LLC
                                       By: Players Lake Charles Riverboat, Inc.,
                                       Managing Member

____________________________                 By: s/s Raymond A. Spera
                                                 --------------------
                                                 Raymond A. Spera
____________________________

                   __________________________________________
                                  Notary Public

                                       3
<PAGE>

EXHIBIT "A"

                       RELEASE AND NON-COMPETE AGREEMENT

            This Release and Non-compete Agreement is made on the _____ day of
__________, 2000, by and between KARL E. BOELLERT, an individual (the
"Individual") and Players Lake Charles, LLC (successor in interest to Players
Lake Charles, Inc.), a Louisiana limited liability company ("Players").

                                   BACKGROUND

            A. Pursuant to the terms of that certain Purchase Agreement dated as
of the 1st day of March, 1999, by and between Players and the Individual, as
amended by that certain Amendment to Purchase Agreement dated as of the ___ day
of December, 1999 (collectively, the "Purchase Agreement"), Players offered to
purchase from the Individual and the Individual agreed to sell and convey to
Players, the "Boellert Payment Interest" (as that term is defined in the
Purchase Agreement) arising under that certain Settlement Agreement dated as of
the 27th day of July, 1995, by and among Players Lake Charles, Inc. (predecessor
in interest to Players) and certain other parties (the "Settlement Agreement"),
all subject to the terms and conditions of the Purchase Agreement.

            B. The Individual is entering into this Agreement with Players in
consideration of its receipt of the consideration stated in the Purchase
Agreement.

            NOW, THEREFORE, in consideration of the foregoing, the mutual
promises contained herein, and other good and valuable consideration, the
receipt and legal sufficiency of which is hereby acknowledged, the parties
hereto, intending to be legally bound hereby, agree as follows:

            1. Incorporation of Background. The Background provisions above are
incorporated herein by this reference as if set forth at length. Players and the
Individual hereby acknowledge the truth and accuracy of the Background
provisions.

            2. Acknowledgment of Receipt of Funds. The Individual acknowledges
that on even date herewith, the Individual received from Players (i) the
Extension Consideration (as that term is defined in the Purchase Agreement) and
(ii) evidence of Players' purchase of the Annuity (as that term is defined in
the Purchase Agreement), in full and complete satisfaction of Players'
obligations under the Purchase Agreement.

            3. Release.

                  (a) In full and complete settlement of (i) any and all
obligations of Players to the Individual (and any party claiming under the
Individual) arising under or out of the Settlement Agreement and (ii) any claims
that the Individual may have against

                                       4
<PAGE>

Players, and for and in consideration of the undertakings of Players described
herein and in the Purchase Agreement, including the payment of the Extension
Consideration and the purchase of the Annuity, the Individual does hereby
REMISE, RELEASE AND FOREVER DISCHARGE Players, its affiliates and assigns,
directors, shareholders, partners, employees and agents, and their respective
successors and assigns, heirs, executors and administrators (hereinafter all
included within the term "Players Parties"), of and from any and all manner of
actions and causes of actions, suits, debts, claims and demands whatsoever at
law or in equity, which it ever had, now has, or hereafter may have, or which
its heirs, executors, administrators, successors or permitted assigns hereafter
may have, by reason of any action, matter, cause or thing whatsoever from the
beginning of time to the date of execution hereof; and particularly, but without
limitation of the foregoing general terms, any claims arising from or relating
in any way to the Settlement Agreement and the Purchase Agreement, including but
not limited to, any claims which have been asserted, could have been asserted,
or could be asserted now or in the future under any federal, state or local
laws, and any common law claims now or hereafter recognized and all claims for
counsel fees and costs, and any claims relating in any way to the Settlement
Agreement or the Purchase Agreement. Notwithstanding the foregoing, nothing
contained in this Paragraph 3(a) shall be deemed to limit the enforceability of
any provision of this Agreement.

                  (b) In full and complete settlement of (i) any and all
obligations of the Individual to Players (and any party claiming under Players)
arising under or out of the Settlement Agreement and (ii) any claims that
Players may have against the Individual, and for and in consideration of the
undertakings of the Individual described herein and in the Purchase Agreement,
Players does hereby REMISE, RELEASE AND FOREVER DISCHARGE the Individual, its
heirs, executors and administrators (hereinafter all included within the term
"the Individual Parties"), of and from any and all manner of actions and causes
of actions, suits, debts, claims and demands whatsoever at law or in equity,
which it ever had, now has, or hereafter may have, or which its heirs,
executors, administrators, successors or permitted assigns hereafter may have,
by reason of any action, matter, cause or thing whatsoever from the beginning of
time to the date of execution hereof; and particularly, but without limitation
of the foregoing general terms, any claims arising from or relating in any way
to the Settlement Agreement and the Purchase Agreement, including but not
limited to, any claims which have been asserted, could have been asserted, or
could be asserted now or in the future under any federal, state or local laws,
and any common law claims now or hereafter recognized and all claims for counsel
fees and costs, and any claims relating in any way to the Settlement Agreement
or the Purchase Agreement. Notwithstanding the foregoing, nothing contained in
this Paragraph 3(b) shall be deemed to limit the enforceability of any provision
of this Agreement.

            4. Covenant Not to Sue. The Individual and Players further agree and
covenant that, except as may be necessary to enforce their respective rights
hereunder, neither will, directly or indirectly, file, charge, claim, sue or
cause or permit to be filed, charged or claimed, any action for damages,
including injunctive, declaratory, monetary or other relief against the other,
involving any matter occurring at any time in the past up

                                       5
<PAGE>

to the date hereof in connection with the Individual or Players, as the case may
be, or involving any continuing effects of any actions or practices which may
have arisen or occurred prior to the date hereof. The Individual and Players
further agree and covenant that should either of them, directly or indirectly,
file, charge, claim, sue or cause or permit to be filed, charged or claimed, any
action for damages, including injunctive, declaratory, monetary or other relief,
in each case as prohibited by the preceding sentence, despite such party's
agreement not to do so hereunder, then such breaching party will repay to the
other all amounts (or the value of benefits) paid hereunder, and pay all of the
costs and expenses of the nonbreaching party (including reasonable attorneys'
fees) incurred in the defense of any such action or undertaking.

            5. Covenant Not to Compete. The Individual hereby agrees that for a
term of two (2) years, it shall not, directly or indirectly (individually or
for, with or through any other person, firm, joint venture, corporation or other
entity), carry on or engage in any casino gaming business within Calcasieu
Parish, or solicit customers of Players within Calcasieu Parish; provided,
however, that subject to the terms of this Paragraph 5, nothing contained herein
shall limit the ability of the Individual to distribute, own or operate, or to
provide services to any manufacturer, distributor, or operator of, "Video Draw
Poker Devices" as that term is defined in La.R.S. 33:4862.1(B)(15) ("VDPDs").
The phrase "carry on or engage in any casino gaming business within Calcasieu
Parish" shall mean being or acting, in any capacity (whether legal or
beneficial), as an owner, landlord of, broker of or for, operator, employee,
agent, consultant, lobbyist, spokesperson or representative of the interests of
any person, firm, joint venture, corporation or other entity engaged in, or
preparing to engage in, gaming operations or other casino gaming enterprises
within the geographical boundaries of Calcasieu Parish (any such person, firm,
joint venture, corporation or other entity being referred to as a "Calcasieu
Gaming Operator"). Notwithstanding the provisions of the first sentence of this
Paragraph 5, and as a limited specific exception thereto, any party may (i) own
or operate VDPDs, so long as the subject VDPDs are not owned or operated,
directly or indirectly, with, for or on behalf of any Calcasieu Gaming Operator,
and (ii) distribute VDPDs, or provide services to any person or entity who
manufactures, distributes, or operates VDPDs, so long as such distributee or
recipient of such services is not, now or in the future, a Calcasieu Parish
Operator. If, after the execution of this Agreement, any party hereto is engaged
in the distribution of VDPDs or the provision of services to any person or
entity who manufactures, distributes, or operates VDPDs, and such distributee or
recipient of services becomes a Calcasieu Parish Operator, such party(ies) shall
immediately cease its(their) association with such Calcasieu Parish Operator to
the extent of such Calcasieu Parish Operator's activities in Calcasieu Parish.

            6. Indemnification.

                  (a) The Individual agrees to indemnify, hold harmless and
defend Players, and the Players Parties, from and against any losses,
liabilities, damages, charges, expenses, costs (including, without limitation,
attorneys' fees, court costs and other legal costs and expenses), penalties,
fines, injunctions, suits, claims, judgments,

                                       6
<PAGE>

or demands suffered by or made against or imposed at any time upon any of the
Players Parties, directly or indirectly, arising as a result of or in connection
with its breach of any term of this Agreement, including its violation of any of
the terms and conditions of Paragraphs 4 or 5 of this Agreement. If Players
shall incur any fees, costs, expenses, or charges (including, without
limitation, attorneys' fees, court costs and other legal costs or expenses) in
order to enforce the terms of this Agreement, the Individual agrees to pay
directly, or at Players' option to reimburse Players for, such fees, costs, and
expenses no later than thirty (30) days after receiving written notice of said
fees, costs, expenses, or charges.

                  (b) Players agrees to indemnify, hold harmless and defend the
Individual, and the Individual Parties, from and against any losses,
liabilities, damages, charges, expenses, costs (including, without limitation,
attorneys' fees, court costs and other legal costs and expenses), penalties,
fines, injunctions, suits, claims, judgments, or demands suffered by or made
against or imposed at any time upon any of the Individual Parties, directly or
indirectly, arising as a result of or in connection with its breach of any term
of this Agreement, including its violation of any of the terms and conditions of
Paragraph 4 of this Agreement. If the Individual shall incur any fees, costs,
expenses, or charges (including, without limitation, attorneys' fees, court
costs and other legal costs or expenses) in order to enforce the terms of this
Agreement, Players agrees to pay directly, or at the Individual's option to
reimburse the Individual for, such fees, costs, and expenses no later than
thirty (30) days after receiving written notice of said fees, costs, expenses,
or charges.

            7. Entire Agreement. This Agreement contains the entire
understanding of the parties hereto with respect to the subject matter contained
herein.

            8. Counterparts. This Agreement may be executed in one or more
counterparts, all of which taken together shall constitute one instrument.

            IN WITNESS WHEREOF, the parties hereto have executed this Release
and Non-compete Agreement as of the date first above written.

                                                     s/s Karl E. Boellert
                                                     --------------------
                                                     Karl E. Boellert
WITNESSES:

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

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

                   ------------------------------------------
                                  Notary Public

                       [SIGNATURES CONTINUE ON NEXT PAGE]

                                       7
<PAGE>

ATTEST:
                                       PLAYERS LAKE CHARLES, LLC
                                       By: Players Lake Charles Riverboat, Inc.,
                                       Managing Member

                                       By: s/s Raymond A. Spera
----------------------------               --------------------
                                           Raymond A. Spera
----------------------------

                   ------------------------------------------
                                  Notary Public

                                        8

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}]]