Document:

HEALTHAXIS.COM, INC. AMENDED AND RESTATED

1998 STOCK PLAN 

AMENDMENT NO. 1

     This Amendment to the HealthAxis.com, Inc. Amended and Restated 1998 Stock Plan is effective as of the 31st day of December,
2001.

BACKGROUND

	 	 	 
	A.	 	The HealthAxis.com, Inc. Amended and Restated 1998 Stock Plan (the “Plan”) was
previously adopted by the Board of Directors, and was thereafter submitted to the
shareholders of HealthAxis.com Inc. for approval.

	 	 	 
	B.	 	Pursuant to Section 15 of the Plan, the Board has reserved the right to amend the Plan
at any time with the approval of the shareholders if required, provided such
amendment does not prejudice the rights of the Optionee with respect to the Shares
covered by his Option.

	 	 	 
	C.	 	The Board now desires to amend the Plan as set forth herein.

NOW THEREFORE, the Plan is hereby amended as follows:

	 	 	 	 
	 	1.	 	Effective December 31, 2001, Section 1 (f) shall be amended to read as follows:

	 	 	 	 
	 	 	 	“Company” means HealthAxis.com, Inc., successor by change of name to Insurion, Inc., a Pennsylvania Corporation and any Parent or Subsidiary of the Company, whether such Parent or Subsidiary is now or hereafter existing.

	 	 	 	 
	 	2.	 	Effective December 31, 2001, Section l(q) shall be amended to read as follows:

	 	 	 	 
	 	 	 	“Parent” means (i) any “parent corporation” as defined in Section 424(e) of the Code or any successor provision; (ii) any other entity that is taxed as a corporation under Section 7701(a)(3) of the Code and is a member
of the “affiliated group” as defined in Section 1504(a) of the Code of which the Company is a common subsidiary corporation, and (iii) any other entity as may be permitted from time to time by the Code or Internal Revenue Service to be an
employer of employees to whom options may be granted; provided, however, that in each case the Company must be consolidated in the Parent’s financial statements.

	 	 	 	 
	 	3.	 	Effective December 31, 2001, Section l(y) shall be amended to read as follows:

AMENDMENT NO. 1 – Page 1

“Subsidiary” means (i) any “subsidiary corporation,” of the Company, as defined in Section 424(f) of the Code
or any successor provision, (ii) any other entity that is taxed as a corporation under Section 7701(a)(3) of the Code and is a member of the “affiliated group” as defined in Section 1504(a) of the Code of which the Company is a common
parent corporation, and (iii) any other entity as may be permitted from time to time by the Code or Internal Revenue Service to be an employer of employees to whom options may be granted; provided, however, that in each case the subsidiary
corporation must be consolidated in the Company’s financial statements.”

IN WITNESS WHEREOF, in order to record the adoption of this Amendment, the Board and the Company have authorized its duly authorized
officers to execute this amendment as of this 31st day of December, 2001.

	 	 	 	 
	
	 	 	HEALTHAXIS.COM, INC.
	
	 	 	 
	
	 	By: 
	
	
	 	Title:	Assistant Secretary

AMENDMENT NO. 1 – Page 2

HEALTHAXIS.COM, INC.

AMENDED AND RESTATED 1998 STOCK PLAN

          1. Purposes of the Plan. The purposes of this 1998 Stock Plan are to attract and retain the
best available personnel for positions of substantial responsibility, to provide additional incentive to Employees and Consultants of the Company and its Subsidiaries and to promote the success of the Company’s business. Options granted under
the Plan may be incentive stock options (as defined under Section 422 of the Code) or non-statutory stock options, as determined by the Administrator at the time of grant of an option and subject to the applicable provisions of Section 422 of the
Code, as amended, and the regulations promulgated thereunder. Stock purchase rights may also be granted under the Plan.

          2. Definitions. As used herein, the following definitions shall apply:

               (a) “Administrator” means the Board or any of its Committees
appointed
pursuant to Section 4 of the Plan.

               (b) “Board” means the Board of Directors of the Company.

               (c) “Code” means the Internal Revenue Code of 1986, as
amended.

               (d) “Committee” means the Committee appointed by the Board
of Directors in accordance with Section 4(a) of the Plan.

               (e) “Common Stock” means the Common Stock of the Company or
any class of stock of the Company into which Common Stock is converted.

               (f) “Company” means HealthAxis.com, Inc., successor by
change of name
to Insurion, Inc., a Pennsylvania corporation.”

               (g) “Consultant” means any person, including an advisor, who
is engaged by the Company or any Parent or Subsidiary to render services and is compensated
for such services, and any director of the Company whether compensated for such services or not, provided that if and in the event the Company registers any class of any equity security pursuant to the Exchange Act, the term Consultant shall
thereafter not include directors who are not compensated for their services or are paid only a director’s fee by the Company.

               (h)      “Continuous Status as an Employee or Consultant”
means the absence of any interruption or termination of service as an Employee or Consultant. Continuous Status as an Employee or Consultant shall not be considered interrupted in the case of: (i) sick leave; (ii) military leave; (iii) any
other leave of absence approved by the Administrator, provided that such leave is for a period of not more than ninety (90) days, unless reemployment upon the expiration of such leave is guaranteed by contract or statute, or unless provided otherwise
pursuant to Company policy adopted from time to time; or (iv) in the case of transfers between locations of the Company or between the Company, its Subsidiaries or their respective successors. For purposes of this Plan, a change in status from an
Employee to a Consultant or from a Consultant to an Employee will not constitute an interruption of Continuous Status as an Employee or Consultant.

               (i)       “Employee” means any person, including officers
and directors, employed by or serving the Company or any Parent or Subsidiary of the
Company, as determined by the Administrator, in its sole discretion.

               (j)       “Exchange Act” means the Securities Exchange Act
of 1934, as amended.

               (k)      “Fair Market Value” means, as of any date, the fair
market value of Common Stock determined as follows:

                    (i)       If the Common Stock is listed on any
established stock exchange or a national market system including without
limitation The National Market of the National Association of Securities Dealers, Inc. Automated Quotation (“NASDAQ”) System, its Fair Market Value shall be the closing sales price for such stock (or the closing bid, if no sales were
reported), as quoted on such system or exchange, or the exchange with the greatest volume of trading in Common Stock for the last market trading day prior to the time of determination, as reported in The Wall Street Journal or such other source as
the Administrator deems reliable;

                    (ii)      If the Common Stock is quoted on the
NASDAQ System (but not on The National Market thereof) or
regularly quoted by a recognized securities dealer but selling prices are not reported, its Fair Market Value shall be the mean between the high bid and low asked prices for the Common Stock for the last market trading day prior to the time of
determination, as reported in The Wall Street Journal or such other source as the Administrator deems reliable; or

                    (iii)     In the absence of an established
market for the Common Stock, the Fair Market Value thereof shall be determined in good faith by the Administrator.

               (1)       “Incentive Stock Option” means an Option intended
to qualify as an incentive stock option within the meaning of Section 422 of the Code, as
designated in the applicable option agreement.

               (m)     “Nonstatutory Stock Option” means an Option not
intended to qualify as an Incentive Stock Option, as designated in the applicable option agreement.

               (n)      “Option” means a stock option granted pursuant to
the Plan.

               (o)      “Optioned Stock” means the Common Stock subject to
an Option or a Stock Purchase Right.

               (p)      “Optionee” means an Employee or Consultant who
receives an Option or a Stock Purchase Right.

               (q)      “Parent” means a “parent corporation”,
whether now or hereafter existing, as defined in Section 424(e) of the Code; or any successor provision.

               (r)      “Plan” means this Amended and Restated 1998 Stock Plan.

               (s)      “Reporting Person” means an officer, director, or
greater than ten percent shareholder of the Company within the meaning of Rule 16a-2 under the
Exchange Act, who is required to file reports pursuant to Rule 16a-3 under the Exchange Act.

               (t)      “Restricted Stock” means shares of Common Stock
acquired pursuant to a grant of a Stock Purchase Right under Section 10 below.

               (u)      “Rule 16b-3” means Rule 16b-3 promulgated under the
Exchange Act, as the same may be amended from time to time, or any successor provision.

               (v)      “Share” means a share of the Common Stock, as
adjusted in accordance with Section 12 of the Plan.

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               (w)     “Stock Exchange” means any stock exchange or
consolidated stock price reporting system on which prices for the Common Stock are quoted at any given time.

               (x)      “Stock Purchase Right” means the right to purchase
Common Stock pursuant to Section 10 below.

               (y)      “Subsidiary” means a “subsidiary
corporation,” whether now or hereafter existing, as defined in Section 424(f) of the Code, or any successor provision.

          3. Stock Subject to the Plan. Subject to the provisions of Section 12 of the Plan, the maximum
aggregate number of shares that may be subject to Options and Stock Purchase Rights under the Plan is Eight Million Six Hundred Thousand (8,600,000) shares of Common Stock; provided, however, that the maximum number of shares of Common Stock with
respect to which Options and Stock Purchase Rights may be granted to an individual Optionee under the Plan during the term of the Plan shall not exceed Eight Million Six Hundred Thousand (8,600,000) shares of Common Stock. The shares may be
authorized, but unissued or reacquired Common Stock. If an Option should expire or become unexercisable for any reason without having been exercised in full, the unpurchased Shares that were subject thereto shall, unless the Plan shall have been
terminated, become available for future grant under the Plan. In addition, any shares of Common Stock which are retained by the Company upon exercise of an Option or Stock Purchase Right in order to satisfy the exercise or purchase price for such
option or Stock Purchase Right or any withholding taxes due with respect to such exercise shall be treated as not issued and shall continue to be available under the Plan. The preceding two sentences shall apply only for purposes of determining the
maximum aggregate number of shares that may be subject to Options and Stock Purchase Rights but shall not apply for purchases of determining the maximum number of shares of Common Stock Purchase Rights may be granted to an individual Optionee under
the Plan.

          4.         Administration of the Plan.

               (a)    Initial Plan Procedure.   Prior to the date, if any, upon which
the Company becomes subject to the Exchange Act, the Plan shall be administered
by the Board or a committee appointed by the Board.

               (b)    Plan Procedure After the Date, if any, Upon Which the Company
Becomes Sub4ect to the Exchange Act.

                    (i)      Multiple Administrative Bodies.
If permitted by Rule 16b-3, the Plan may be administered by different bodies with respect to directors, non-director officers and Employees or Consultants who are not Reporting Persons.

                    (ii)      Administration With Respect to
Reporting Persons. With respect to grants of Options or Stock Purchase
Rights to Employees who are Reporting Persons, the Plan shall be administered by (A) the Board if the Board may administer the Plan in compliance with Rule 16b-3 with respect to a plan intended to qualify thereunder as a discretionary plan, or (B) a
committee designated by the Board to administer the Plan, which committee shall be constituted in such a manner as to permit the Plan to comply with Rule 16b-3 with respect to a plan intended to qualify thereunder as a discretionary plan. Once
appointed, such committee shall continue to serve in its designated capacity until otherwise directed by the Board. From time to time the Board may increase the size of the committee and appoint additional members thereof, remove members (with or
without cause) and appoint new members in substitution therefore, fill vacancies, however caused, and remove all members of the committee and thereafter directly administer the Plan, all to the extent permitted by Rule 16b-3 with respect to a plan
intended to qualify thereunder as a discretionary plan. No person serving as a member of an Administrator that has authority with respect to grants to Reporting Persons shall be eligible to receive any grant under the Plan which would cause such
member to cease to be “disinterested” within the meaning of Rule 16b-3.

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                    (iii)     Administration With Respect to
Consultants and Other Employees. With respect to grants of Options or Stock Purchase Rights to Employees or Consultants who are not Reporting Persons, the Plan shall be administered by (A) the Board or (B) a committee designated by the Board,
which committee shall be constituted in such a manner as to satisfy the legal requirements relating to the administration of incentive stock option plans, if any, of Pennsylvania corporate and securities laws, of the Code and of any applicable Stock
Exchange (the “Applicable Laws”). Once appointed, such Committee shall continue to serve in its designated capacity until otherwise directed by the Board. From time to time the Board may increase the size of the Committee and appoint
additional members thereof, remove members (with or without cause) and appoint new members in substitution therefore, fill vacancies, however caused, and remove all members of the Committee and thereafter directly administer the Plan, all to the
extent permitted by the Applicable Laws.

               (c)    Powers of the Administrator. Subject to the provisions of the
Plan and in the case of a Committee, the specific duties delegated by the Board to such
Committee, and subject to the approval of any relevant authorities, including the approval, if required, of any Stock Exchange, the Administrator shall have the authority, in its discretion:

                    (i)       to determine the Fair Market Value of
the Common Stock, in accordance with Section 2(k) of the Plan;

                    (ii)      to select the Consultants and
Employees to whom Options and Stock Purchase Rights may from time to time be granted hereunder;

                    (iii)     to determine whether and to what
extent Options and Stock Purchase Rights or any combination thereof are granted hereunder;

                    (iv)     to determine the number of shares of
Common Stock to be covered by each such award granted hereunder;

                    (v)      to approve forms of agreement for use
under the Plan;

                    (vi)     to determine the terms and conditions,
not inconsistent with the terms of the Plan, of any award granted hereunder;

                    (vii)    to determine whether and under what
circumstances an Option may be settled in cash under Section 9(f) instead of Common Stock;

                    (viii)   to reduce the exercise price of any
Option to the then current Fair Market Value if the Fair Market Value of the
Common Stock covered by such Option shall have declined since the date the Option was granted;

                    (ix)     to determine the terms and
restrictions applicable to Stock Purchase Rights and the Restricted Stock purchased by exercising such Stock Purchase Rights; and

                    (x)      to construe and interpret the terms of
the Plan and awards granted pursuant to the Plan;

                    (xi)     in order to fulfill the purposes of
the Plan and without amending the Plan, to modify grants of Options or Stock
Purchase Rights to participants who are foreign nationals or employed outside of the United States in order to recognize differences in local law, tax policies or customs.

               (d)    Effect of Administrator’s Decision.  All decisions,
determinations and interpretations of the Administrator shall be final and binding on all
holders of Options or Stock Purchase Rights.

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          5.   Eligibility.

               (a)    Nonstatutory Stock Options and Stock Purchase Rights may be granted
to Employees and Consultants.   Incentive Stock Options may be granted only
to Employees.   An Employee or Consultant who has been granted an Option or Stock Purchase Right may, if he or she is otherwise eligible, be granted additional Options or Stock Purchase Rights.

               (b)    Each Option shall be designated in the written option agreement as
either an Incentive Stock Option or a Nonstatutory Stock Option. However,
notwithstanding such designations, to the extent that the aggregate Fair Market Value of the Shares with respect to which Options designated as Incentive Stock Options are exercisable for the first time by any Optionee during any calendar year (under
all plans of the Company or any Parent or Subsidiary) exceeds $100,000, such excess Options shall be treated as Nonstatutory Stock Options.

               (c)    For purposes of Section 5(b), Incentive Stock Options shall be taken
into account in the order in which they were granted, and the Fair Market Value of
the Shares subject to an Incentive Stock Option shall be determined as of the date of the grant of such Option.

               (d)    The Plan shall not confer upon any Optionee any right with respect to
continuation of employment or consulting relationship with the Company, nor
shall it interfere in any way with such Optionee’s right or the Company’s right to terminate his or her employment or consulting relationship at any time, with or without cause.

          6. Term of Plan. The Plan shall become effective upon the earlier to occur of its
adoption by the Board of Directors or its approval by the shareholders of the Company as described in
Section 19 of the Plan. It shall continue in effect for a term often (10) years unless sooner terminated
under Section 15 of the Plan.

          7. Term of Option. The term of each Option shall be the term stated in the Option
Agreement; provided, however, that the term shall be no more than ten (10) years from the date of grant
thereof or such shorter term as may be provided in the Option Agreement.

          8. Option Exercise Price and Consideration.

               (a)      The per share exercise price for the Shares to be issued pursuant to
exercise of an Option shall be such price as is determined by the Board, but shall be subject to the following:

                    (i)       In the case of an Incentive Stock
Option that is:

                         (A)  granted to an Employee who, at the time of
the grant of such Incentive Stock Option, owns stock
representing more than ten percent (10%) of the voting power of all classes of stock of the Company or any Parent or Subsidiary, the per Share exercise price shall be no less than 110% of the Fair Market Value per Share on the date of grant and the
term of such Option shall be five (5) years from the date of grant thereof or such shorter term as may be provided in the Option Agreement.

                         (B)  granted to any Employee, the per Share
exercise price
shall be no less than 100% of the Fair Market Value per Share on the date of grant.

                    (ii)      In the case of a Nonstatutory Stock
Option that is granted to any person (prior to the initial public offering of the Company), the per Share exercise price shall be no less than 85% of the Fair Market Value per Share on the date of
grant.

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               (b) The consideration to be paid for the Shares to be issued upon exercise of an Option, including the method of payment,
shall be determined by the Administrator (and, in the case of an Incentive Stock Option, shall be determined at the time of grant) and may consist entirely of (1) cash, (2) check, (3) promissory note, (4) other Shares that (x) in the case of Shares acquired upon exercise of an Option, have been
owned by the Optionee for more than six months on the date of surrender or such other period as may be required to avoid a charge to the Company’s earnings, and (y) have a Fair Market Value on the date of surrender equal to the aggregate exercise price of the Shares as to which such Option
shall be exercised, (5) authorization for the Company to retain from the total number of Shares as to which the Option is exercised that number of Shares having a Fair Market Value on the date of exercise equal to the exercise price for the total number of Shares as to which the Option is
exercised, (6) delivery of a properly executed exercise notice together with such other documentation as the Administrator and the broker, if applicable, shall require to effect an exercise of the Option and delivery to the Company of the sale or loan proceeds required to pay the exercise price and
any applicable income or employment taxes, (7) any combination of the foregoing methods of payment, or (8) such other consideration and method of payment for the issuance of Shares to the extent permitted under Applicable Laws, in making its determination as to the type of consideration to accept,
the Administrator shall consider if acceptance of such consideration may be reasonably expected to benefit the Company.

          9. Exercise of Option.

               (a) Procedure for Exercise; Rights as a Shareholder. Any Option granted under such conditions as determined by the
Administrator, including performance criteria with respect to the Company and/or the Optionee, and as shall be permissible under the terms of the Plan; provided that an Option granted to an Employee who is neither an officer of the Company nor a member of the Board shall become exercisable at the
rate of at least twenty percent (20%) per year over five (5) years from the date the Option is granted.

               An Option may not be exercised for a fraction of a Share.

               An Option shall be deemed to be exercised when written notice of such exercise has been given to the Company in accordance
with the terms of the Option by the person entitled to exercise the Option and the Company has received full payment for the Shares with respect to which the Option is exercised. Full payment may, as authorized by the Board, consist of any consideration and method of payment allowable under Section
8(b) of the Plan. Until the issuance (as evidenced by the appropriate entry on the books of the Company or of a duly authorized transfer agent of the Company) of the stock certificate evidencing such Shares, no right to vote or receive dividends or any other rights as a shareholder shall exist with
respect to the Optioned Stock, not withstanding the exercise of the Option. The Company shall issue (or cause to be issued) such stock certificate promptly upon exercise of the Option. No adjustment will be made for a dividend or other right for which the record date is prior to the date the stock
certificate is issued, except as provided in Section 12 of the Plan.

                    Exercise of an Option in any manner shall result in a decrease in the number of Shares that
thereafter may be available, both for purposes of the Plan and for sale under the Option, by the number of Shares as to which the Option is exercised.

               (b) Termination of Employment or Consulting Relationship.  Subject to Section 9(c), in the event of termination of an
Optionee’s Continuous Status as an Employee or Consultant with the Company, such Optionee may, but only within the period of time as determined by the Administrator (provided that in the case of an Incentive Stock Option such period shall not exceed three (3) months) after the date of such
termination (but in no event later than the expiration date of the term of such Option as set forth in the Option Agreement), exercise his or her Option to the extent that the Optionee was entitled to exercise it at the date of such termination. To the extent that Optionee was not entitled to
exercise the Option at the date, of such termination, or if Optionee does not exercise such Option to the extent so entitled within the time specified herein, the Option shall terminate. No termination shall be deemed to occur and this Section 9(b) shall not apply if (i) the Optionee is a
Consultant who becomes an Employee; or (ii) the

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Optionee is an employee who becomes a Consultant. Nothing in this Section 9(b) or elsewhere in this 1998 Stock Plan shall be construed to preclude the Administrator from amending the provisions of any Option
Agreement upon mutual agreement with the Optionee to the extent such amendment does not violate any provision of this 1998 Stock Plan or applicable law.

               (c) Disability of Optionee.

                    (i) Notwithstanding the provisions of Section 9(b) above, in the event of termination of an
Optionee’s Continuous Status as an Employee or Consultant as a result of his or her total and permanent disability (within the meaning of Section 22(e)(3) of the Code), Optionee may, but only within twelve (12) months from the date of such termination (but in no event later than the expiration
date of the term of such Option as set forth in the Option Agreement), exercise the Option to the extent otherwise entitled to exercise it at the date of such termination. To the extent that Optionee was not entitled to exercise the Option at the date of termination, or if Optionee does not
exercise such Option to the extent so entitled within the time specified herein, the Option shall terminate.

                    (ii) In the event of termination of an Optionee’s Continuous Status as an Employee or
Consultant as a result of a disability which does not fall within the meaning of total and permanent disability (as set forth in Section 22(e)(3) of the Code), Optionee may, but only within six (6) months from the date of such termination (but in no event later than the expiration date of the term
of such Option as set forth in the Option Agreement), exercise the Option to the extent otherwise entitled to exercise it at the date of such termination. However, to the extent that such Optionee fails to exercise an Option which is an Incentive Stock Option (“ISO”) (within the meaning
of Section 422 of the Code) within three (3) months of the date of such termination, the Option will not qualify for ISO treatment under the Code. To the extent that Optionee was not entitled to exercise the Option at the date of termination, or if Optionee does not exercise such Option to the
extent so entitled within six months (6) from the date of termination, the Option shall terminate.

               (d) Death of Optionee.  In the event of the death of an Optionee during the period of Continuous Status as an Employee
or Consultant, or within thirty (30) days following the termination of the Optionee’s Continuous Status as an Employee or Consultant, the Option may be exercised, at any time within twelve (12) months following the date of death (but in no event later than the expiration date of the term of
such Option as set forth in the Option Agreement), by the Optionee’s estate or by a person who acquired the right to exercise the Option by bequest or inheritance, but only to the extent the Optionee was entitled to exercise the Option at the date of death or, if earlier, the date of
termination of the Continuous Status as an Employee or Consultant. To the extent that Optionee was not entitled to exercise the Option at the date of death or termination, as the case may be, or if Optionee does not exercise such Option to the extent so entitled within the time specified herein,
the Option shall terminate.

               (e) Rule 16b-3.  Options granted to Reporting Persons shall comply with Rule 16b-3 and shall contain such additional
conditions or restrictions as may be required thereunder to qualify for the maximum exemption for Plan transactions.

               (f) Buyout Provisions. The Administrator may at any time offer to buy out for a payment in cash or Shares, an Option
previously granted, based on such terms and conditions as the Administrator shall establish and communicate to the Optionee at the time that such offer is made.

               (g) Change of Control.  In the event of one or more of the following transactions (a “Corporate
Transaction”): (i) a merger or acquisition in which the Company is not the surviving entity, except for a transaction the principal purpose of which is to change the State of the Company’s incorporation; (ii) the sale, transfer or other disposition of all or substantially all of the
assets of the Company; and (iii) any corporate reorganization or business combination, including a merger, in which fifty percent (50%) or more of the Company’s outstanding voting stock is transferred (not newly issued) to different holders in a single transaction or a series of related
transactions; the Options may be

7

assumed or equivalent options substituted by the Successor Corporation (as defined below), or a Parent or Subsidiary thereof, (or at the discretion of the Board or as provided in the Option grant) an Option may
become exercisable with respect to the vested and non-vested portions of such Option. In the event that such Successor Corporation refuses to assume all Options or to substitute equivalent options; (i) the Optionees shall have the right to exercise the Options held by them to the extent such
Options were vested and exercisable in accordance with the terms of this paragraph; and (ii) the Board may elect to, in lieu of such assumption or substitution, permit the Optionees to have the right to exercise Options held by them with respect to all or any portions of Options that have not
vested in order to accelerate such portions. In such event, the Company shall provide Optionee with at least thirty (30) days prior written notice of the specified effective date for the Corporate Transaction and the Option shall be exercisable until such date designated by the Board which is prior
to the date for the Corporate Transaction (the “Exercisable Date”). In any event, if the Options are not assumed or substituted and were not exercised prior to the Exercisable Date, the Option will then terminate and cease to be exercisable after the effective date of the Corporate
Transaction. For purposes of this paragraph, an Option granted under the Plan shall be deemed to be assumed if, following a sale of assets or merger, the Option confers the right to purchase, for each Share of Optioned Stock subject to the Option immediately prior to such sale of assets or merger,
the consideration (whether stock, cash or other securities or property) received in the sale of assets or merger by holders of Common Stock for each Share held on the effective date of the Corporate Transaction (and, if such holders were offered a choice of consideration, the type of consideration
chosen by the holders of a majority of the outstanding Shares); provided, however, that if such consideration received in the sale of assets or merger was not solely Common Stock of the Successor Corporation or its Parent or Subsidiary, the Board may, with the consent of the Successor Corporation
and the Optionee, provide for the per share consideration to be received upon exercise of the Option to be solely Common Stock of the Successor Corporation or its Parent equal in fair market value (determined as set forth in Section 8 hereof) to the per share consideration received by holders of
Common Stock in the sale of assets or merger. The Company can give no assurance that any Options will be assumed or equivalent options substituted by the Successor Corporation or its Parent or Subsidiary. For the purposes of this Section, “Successor Corporation” shall mean the corporation
which acquires the outstanding stock of the Company in a transaction described in Section 9(g) hereof and which shall be deemed to include the Company in the case where it is the surviving corporation in a merger in which its outstanding stock is transferred to another corporation.

               (h) Legends. The Company shall cause the legends set forth below or legends substantially equivalent thereto, to be
placed upon any certificate(s) evidencing ownership of the Shares together with any other legends that may be required by state or federal securities laws:

THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE “ACT”) AND MAY NOT BE OFFERED, SOLD OR OTHERWISE
TRANSFERRED, PLEDGED OR HYPOTHECATED UNLESS AND UNTIL REGISTERED UNDER THE ACT OR, IN THE OPINION OF COUNSEL IN FORM AND SUBSTANCE SATISFACTORY TO THE ISSUER OF THESE SECURITIES, SUCH OFFER, SALE OR TRANSFER, PLEDGE OR HYPOTHECATION IS IN COMPLIANCE THEREWITH.

THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFER AND RIGHT OF FIRST REFUSAL OPTIONS HELD BY THE ISSUER OR ITS
ASSIGNEE(S) AS SET FORTH IN THE EXERCISE NOTICE BETWEEN THE ISSUER AND THE ORIGINAL HOLDER OF THESE SHARES, A COPY OF WHICH MAY BE OBTAINED AT THE PRINCIPAL OFFICE OF THE ISSUER. SUCH TRANSFER RESTRICTIONS AND RIGHT OF FIRST REFUSAL ARE BINDING ON TRANSFEREES OF THESE SHARES.

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          10. Stock Purchase Rights.

               (a) Rights to Purchase. Stock Purchase Rights may be issued either alone, in addition to, or in tandem with other
awards granted under the Plan and/or cash awards made outside of the Plan. After the Administrator determines that it will offer Stock Purchase Rights under the Plan, it shall advise the offeree in writing of the terms, conditions and restrictions related to the offer, including the number of
Shares that such person shall be entitled to purchase, the price to be paid (which price shall not be less than 85% of the Fair Market Value of the Shares as of the date of the offer, or 100% of the Fair Market Value per share if the Purchaser owns stock representing more than ten percent (10%) of
the voting power of all classes of stock of the Company or any Parent or Subsidiary at the time of Purchase), and the time within which such person must accept such offer, which shall in no event exceed thirty (30) days from the date upon which the Administrator made the determination to grant the
Stock Purchase Right. The offer shall be accepted by execution of a Restricted Stock purchase agreement in the form determined by the Administrator. Shares purchased pursuant to the grant of a Stock Purchase Right shall be referred to herein as “Restricted Stock.”

               (b) Repurchase Option. Unless the Administrator determines otherwise, the Restricted Stock purchase agreement shall
grant the Company a repurchase option exercisable upon the voluntary or involuntary termination of the purchaser’s employment with the Company for any reason (including death or disability). The purchase price for Shares repurchased pursuant to the Restricted Stock purchase agreement shall be
the original purchase price paid by the purchaser and may be paid by cancellation of any indebtedness of the Purchaser to the Company. The repurchase option shall lapse at such rate as the Administrator may determine, but at a minimum rate of 20% per year.

               (c) Other Provisions. The Restricted Stock purchase agreement shall contain such other terms, provisions and conditions
not inconsistent with the Plan as may be determined by the Administrator in its sole discretion. In addition, the provisions of Restricted Stock purchase agreements need not be the same with respect to each purchaser.

               (d) Rights as a Shareholder. Once the Stock Purchase Right is exercised, the purchaser shall have the rights equivalent
to those of a shareholder, and shall be a shareholder when his or her purchase is entered upon the records of the duly authorized transfer agent of the Company. No adjustment will be made for a dividend or other right for which the record date is prior to the date the Stock Purchase Right is
exercised, except as provided in Section 12 of the Plan.

          11. Stock Withholding to Satisfy Withholding Tax Obligations. At the discretion of the Administrator, Optionees may satisfy withholding obligations as
provided in this paragraph. When an Optionee incurs tax liability in connection with an Option or Stock Purchase Right, which tax liability is subject to tax withholding under applicable tax laws, and the Optionee is obligated to pay the Company an amount required to be withheld under applicable
tax laws, the Optionee may satisfy the withholding tax obligation by one or some combination of the following methods: (a) by cash payment, or (b) out of Optionee’s current compensation, (c) if permitted by the Administrator, in its discretion, by surrendering to the Company Shares that (i) in
the case of Shares previously acquired from the Company, have been owned by the Optionee for more than six months on the date of surrender, and (ii) have a fair market value on the date surrender equal to or less than Optionee’s marginal tax rate times the ordinary income recognized, or (d) by
electing to have the Company withhold from the Shares to be issued upon exercise of the Option, or the Shares to be issued in connection with the Stock Purchase Right, if any, that number of Shares having a fair market value equal to the amount required to be withheld. For this purpose, the fair
market value of the Shares to be withheld shall be determined on the date that the amount of tax to be withheld is to be determined (the “Tax Date”).

               Any surrender by a Reporting Person of previously owned Shares to satisfy tax withholding obligations arising upon exercise of
this Option must comply with the applicable provisions of Rule 16b-3 and shall be subject to such additional conditions or restrictions as may be required

9

thereunder to qualify for the maximum exemption from Section 16 of the Exchange Act with respect to Plan transactions.

               All elections by an Optionee to have Shares withheld to satisfy tax withholding obligations shall be made in writing in a form
acceptable to the Administrator and shall be subject to the following restrictions:

               (a) the election must be made on or prior to the applicable Tax Date;

               (b) once made, the election shall be irrevocable as to the particular Shares of the Option or Stock Purchase Right as to which
the election is made;

               (c) all elections shall be subject to the consent or disapproval of the Administrator;

               (d) if the Optionee is a Reporting Person, the election must comply with the applicable provisions of Rule 16b-3 and shall be
subject to such additional conditions or restrictions as may be required thereunder to qualify for the maximum exemption from Section 16 of the Exchange Act with respect to Plan transactions.

               In the event the election to have Shares withheld is made by an Optionee and the Tax Date is deferred under Section 83 of the
Code because no election is filed under Section 83(b) of the Code, the Optionee shall receive the full number of Shares with respect to which the Option or Stock Purchase Right is exercised but such Optionee shall be unconditionally obligated to tender back to the Company the proper number of
Shares on the Tax Date.

          12.  Adjustments Upon Changes in Capitalization Merger or Certain Other Transactions.

               (a) Changes in Capitalization. Subject to any required action by the shareholders of the Company, the number of shares
of Common Stock covered by each outstanding Option or Stock Purchase Right, and the number of shares of Common Stock that have been authorized for issuance under the Plan but as to which no Options or Stock Purchase Rights have yet been granted or that have been returned to the Plan upon
cancellation or expiration of an Option or Stock Purchase Right, as well as the price per share of Common Stock covered by each such outstanding Option or Stock Purchase Right, shall be proportionately adjusted for any increase or decrease in the number of issued shares of Common Stock resulting
from a stock split, reverse stock split, stock dividend, combination, recapitalization or reclassification of the Common Stock, or any other increase or decrease in the number of issued shares of Common Stock effected without receipt of consideration by the Company; provided, however, that
conversion of any convertible securities of the Company shall not be deemed to have been “effected without receipt of consideration.” Such adjustment shall be made by the Board, whose determination in that respect shall be final, binding and conclusive. Except as expressly provided
herein, no issuance by the Company of shares of stock of any class, or securities convertible into shares of stock of any class, shall affect, and no adjustment by reason thereof shall be made with respect to, the number or price of shares of Common Stock subject to an Option or Stock Purchase
Right.

               (b) Dissolution or Liquidation. In the event of the proposed dissolution or liquidation of the Company, the Board shall
notify the Optionee at least fifteen (15) days prior to such proposed action. To the extent it has not been previously exercised, the Option or Stock Purchase Right will terminate immediately prior to the consummation of such proposed action.

               (c) Merger or Sale of Assets. In the event of a proposed sale of all or substantially all of the Company’s assets
or a merger of the Company with or into another corporation where the successor corporation issues its securities to the Company’s shareholders, each outstanding Option or Stock Purchase Right shall be assumed or an equivalent option or right shall be substituted by

10

such successor corporation or a parent or subsidiary of such successor corporation, unless the successor corporation does not agree to assume the Option or Stock Purchase Right or to substitute an equivalent option
or right, in which case such Option or Stock Purchase Right shall terminate upon the consummation of the merger or sale of assets.

               (d) Certain Distributions. In the event of any distribution to the Company’s shareholders of securities of any
other entity or other assets (other than dividends payable in cash or stock of the Company) without receipt of consideration by the Company, the Administrator may, in its discretion, appropriately adjust the price per share of Common Stock covered by each outstanding Option or Stock Purchase Right
to reflect the effect of such distribution.

          13. Non-Transferability of Options, Stock Purchase Rights and Restricted Stock. Options, Stock Purchase Rights or Restricted Stock may not be sold,
pledged, assigned, hypothecated, transferred, or disposed of in any manner other than by will or by the laws of descent or distribution and may be exercised or purchased during the lifetime of the Optionee, Stock Purchase Rights Holder or Restricted Stock Purchaser only by the Optionee, Stock
Purchase Rights Holder or Restricted Stock Purchaser.

          14. Time of Granting Options and Stock Purchase Rights. The date of grant of an Option or Stock Purchase Right shall, for all purposes, be the date
on which the Administrator makes the determination granting such Option or Stock Purchase Right, or such other date as is determined by the Board. Notice of the determination shall be given to each Employee or Consultant to whom an Option or Stock Purchase Right is so granted within a reasonable
time after the date of such grant.

          15. Amendment and Termination of the Plan.

               (a) Amendment and Termination. The Board may at any time amend, alter, suspend or discontinue the Plan, but no
amendment, alteration, suspension or discontinuation shall be made that would impair the rights of any Optionee under any grant theretofore made, without his or her consent. In addition, to the extent necessary and desirable to comply with Rule 16b-3 or with Section 422 of the Code (or any other
applicable law or regulation, including the requirements of any Stock Exchange), the Company shall obtain shareholder approval of any Plan amendment in such a manner and to such a degree as required.

               (b) Effect of Amendment or Termination. No amendment or termination of the Plan shall adversely affect Options already
granted, unless mutually agreed otherwise between the Optionee and the Board, which agreement must be in writing and signed by the Optionee and the Company.

          16. Conditions Upon Issuance of Shares.  Shares shall not be issued pursuant to the exercise of an Option or Stock Purchase Right unless the exercise
of such Option or Stock Purchase Right and the issuance and delivery of such Shares pursuant thereto shall comply with all relevant provisions of law, including, without limitation, the Securities Act of 1933, as amended, the Exchange Act, the rules and regulations promulgated thereunder, and the
requirements of any Stock Exchange.

               As a condition to the exercise of an Option, the Company may require the person exercising such Option to represent and
warrant at the time of any such exercise that the Shares are being purchased only for investment and without any present intention to sell or distribute such Shares if, in the opinion of counsel for the Company, such a representation is required by law.

          17. Reservation of Shares. The Company, during the term of this Plan, will at all times reserve and keep available such number of Shares as shall be
sufficient to satisfy the requirements of the Plan.  The inability of the Company to obtain authority from any regulatory body having jurisdiction, which authority is deemed by the Company’s counsel to be necessary to the lawful issuance

11

and sale of any Shares hereunder, shall relieve the Company of any liability in respect of the failure to issue or sell such Shares as to which such requisite authority shall not have been obtained.

          18. Agreements.  Options and Stock Purchase Rights shall be evidenced by written agreements in such form as the Administrator shall approve from time
to time.

          19. Shareholder Approval.  Continuance of the Plan shall be subject to approval by the shareholders of the Company within twelve (12) months before
or after the date the Plan is adopted. Such shareholder approval shall be obtained in the degree and manner required under applicable state and federal law and the rules of any Stock Exchange upon which the Common Stock is listed.  All Options and Stock Purchase Rights issued under the Plan shall
become void in the event such approval is not obtained.

          20. Information to Optionees and Purchasers.  The Company shall provide financial statements at least annually to each Optionee and to each
individual who acquired Shares Pursuant to the Plan, during the period such Optionee or purchaser has one or more Options or Stock Purchase Rights outstanding, and in the case of an individual who acquired Shares pursuant to the Plan, during the period such individual owns such Shares. The Company
shall not be required to provide such information if the issuance of Options or Stock Purchase Flights under the Plan is limited to key employees whose duties in connection with the Company assure their access to equivalent information.

     IN WITNESS WHEREOF, in order to record the Amendment and Restatement of this 1998 Stock Option Plan, the Company has caused its duly authorized officers to affix the corporate name and
seal hereto as of this    th day of January, 2001.

	 	 	 	 
	
	 	 	HEALTHAXIS.COM, INC.
	
	 	 	 
	
	By:	 	 
	
	 	 	Michael Ashker
	
	 	 	President and Chief Executive Officer

[CORPORATE SEAL]

12[Execution Copy]

RIGHTS AGREEMENT dated as of
November 13,1998, by and between (i) 
AMERICA ONLINE, INC., a Delaware
 corporation (“AOL”) and (iv) PROVIDENT
 AMERICAN CORPORATION, a

Pennsylvania corporation (the “Corporation”).

          The parties hereto deem it to be in their respective best interests to set forth the rights of AOL in connection with public and private sales of capital
stock of the Corporation and, with respect to certain other matters relating to the Corporation.

          Reference is made to the Stock Subscription Warrant dated as of November 13, 1998, issued by the Corporation to AOL (the “New Warrant”), the
Amended and Restated Stock Subscription Warrant dated as of November 13,1998, issued by the Corporation to AOL (the “Amended Warrant”) and the Renewal Stock Subscription Warrant which shall be issued to AOL by the Corporation in the event that the Amended and Restated Marketing
Interactive Agreement dated as of February 1, 1998 (the “Original Agreement”), by and between Provident Health Services, Inc. (“PHS”) and AOL, as amended by the First Amendment to the Original Agreement dated as of November 10,1998, by and between AOL, HealthAxis.com, Inc., and
PHS in accordance with its terms (the “Marketing Agreement”) is renewed pursuant to § 5.2.1 thereof (the “Renewal Warrant”) (collectively, the “Warrants”).

          NOW, THEREFORE, in consideration of the premises and mutual covenants, obligations and agreements contained herein, the parties hereto hereby agree
as follows:

1. Participation Rights.

     (a) The following terms have the following meanings:

	 	 	 	 	 
	 	 	(i)	 	“Equity Securities” means (i) all shares of capital stock of the Corporation, (ii) all securities convertible into or exchangeable for shares of capital stock of the Corporation and (iii) all options, warrants, or other rights to purchase or otherwise acquire from the
Coiporation shares of such capital stock, or securities convertible into or exchangeable for shares of such capital stock.

	 	 	 	 	 
	 	 	(ii)	 	“New Securities” means all Equity Securities other than Excluded Securities (as defined in Section 4 of the Warrants).

	 	 	 	 	 
	 	 	(iii)	 	“Proportionate Percentage” shall mean, that percentage figure which expresses the ratio that (x) the number of outstanding shares of Common Stock issued or issuable to AOL bears to (y) the aggregate number shares of voting capital of the Corporation then outstanding. For
purposes solely

	 	 	 	 	of the computation required under the preceding clauses (x) and (y), all of the Corporation’s outstanding securities that are convertible into or exercisable or exchangeable
directly or indirectly for shares of Common Stock shall be deemed to have been converted into or exercised or exchanged for shares of Common Stock at the rate at which such securities are convertible into or exercisable or exchangeable for shares of Common Stock in effect at the time of delivery by
the Corporation of the Purchase Notice (as hereinafter defined).

     (b) If the Corporation proposes to offer New Securities to any person or entity at any time, such that the aggregate gross proceeds of such offering or series of related offerings
exceeds seven million ($7,000,000) (the “Offering Proceeds Threshold”), the Corporation shall, before such offer, deliver to AOL an offer (the “Offer”) to sell, upon the terms set forth in this Section, to AOL its Proportionate Percentage of the New Securities (the “Offered
Securities”) and its Proportionate Percentage of any New Securities not accepted for purchase by any other parties having similar rights to purchase the same (as to AOL the “Over-Allotment Right”). The Offer shall state that the Corporation proposes to issue the Offered Securities
and specify their number and terms (including purchase price). The Offer shall remain open and irrevocable for a period of 15 days (the “Preemptive Period”) from the date of its delivery.

     (c) AOL may accept the Offer by delivering to the Corporation a notice (the “Purchase Notice”) within the Preemptive Period. The Purchase Notice shall state the number of
Offered Securities AOL desires to purchase (including whether and to what extent AOL desires to exercise its Over-Allotment Right). The sale of Offered Securities with respect to which AOL delivered a Purchase Notice shall be made on a mutually acceptable business day, after expiration of the
Preemptive Period on those terms and conditions of the Offer not inconsistent with this Section.

     (d) The Corporation may issue and sell the remaining Offered Securities or any portion thereof not so subscribed for on the terms and conditions of the Offer to any person, or entity
within 90 days after expiration of the Preemptive Period. If such issuance is not made within such 90-day period, the restrictions provided for in this Section shall again become effective.

     (e) The obligations of the Corporation under this Section 1 shall not apply to (i) an underwritten public offering of Common Stock of the Corporation registered pursuant to the
Securities Act (a “Public Offering”) or (ii) a Corporate Transaction. As used herein, a “Corporate Transaction” shall mean (A) any consolidation or merger of the Corporation with or into any other corporation or other entity, other than any merger or consolidation resulting in
the holders of the capital stock of the Corporation entitled to vote for the election of directors holding a majority of the capital stock of the surviving or resulting corporation or other entity entitled to vote for the election of directors, (B) any person or entity (including any affiliates
thereof) becoming the holder of a majority of the capital stock of the Corporation entitled to vote for the election of directors, or (C) any sale or other disposition by the Corporation of all or substantially all of its assets or capital stock.

2. Registration Rights.

2

     (a) As used in this Agreement, the following terms shall have the following meanings:

	 	 	 	 	 
	 	 	(i)	 	“Commission” means the Securities and Exchange Commission or any other Federal agency at the time administering the Securities Act.

	 	 	 	 	 
	 	 	(ii)	 	“Common Stock” means common stock, $.10 par value, of the Corporation.

	 	 	 	 	 
	 	 	(iii)	 	“Exchange Act” means the Securities Exchange Act of 1934, as amended, and the rules and regulations of the Commission promulgated thereunder, all as the same shall be in effect from time to time.

	 	 	 	 	 
	 	 	(iv)	 	“Other Shares” means at any time those shares of Common Stock which do not constitute Primary Shares or Registrable Shares.

	 	 	 	 	 
	 	 	(v)	 	“Primary Shares” means at any time the authorized but unissued shares of Common Stock or shares of Common Stock held by the Corporation in its treasury.

	 	 	 	 	 
	 	 	(vi)	 	“Registrable Shares” means at any time the shares of Common Stock held (or to be held upon conversion of any Restricted Shares) by AOL or its. successors, assigns or transferees that constitute Restricted Shares.

	 	 	 	 	 
	 	 	(vii)	 	“Registration Date” means the date upon which the registration statement pursuant to which the Corporation shall have, initially registered shares of Common Stock under the Securities Act for sale to the public shall have been declared effective.

	 	 	 	 	 
	 	 	(viii)	 	“Restricted Shares” means at any time the Warrant Shares, and any shares or other securities received in respect thereof, which are held by AOL and which have not previously been sold to the public pursuant to a registration statement under the Securities Act or pursuant to
Rule 144.

	 	 	 	 	 
	 	 	(ix)	 	“Rule 144” means Rule 144 promulgated under the Securities Act or any successor rule thereto or any complementary rule thereto.

	 	 	 	 	 
	 	 	(x)	 	“Securities Act” means the Securities Act of 1933, as amended, and the rules and regulations of the Commission thereunder, all as the same shall be in effect from time to time.

	 	 	 	 	 
	 	 	(xi)	 	“Transfer” means any disposition of any Restricted Shares or of any interest therein which constitutes a sale within the meaning of the Securities Act, other than any disposition pursuant to an effective registration statement under the Securities Act and complying with all
applicable state securities and “blue sky” laws.

3

	 	 	 	 	 
	 	 	(xii)	 	“Warrant Shares” means shares of Common Stock issuable upon exercise or exchange of the Warrants.

     (b) Required Registration. If the Corporation at any time after the date hereof shall be requested by AOL to effect the registration under the Securities Act of Registrable
Shares in accordance with this Section, the Corporation shall promptly use its best efforts to effect such registration under the Securities Act of the Registrable Shares which the Corporation has been so requested to register, provided, however, that the Corporation shall not be
obligated to effect any registration under the Securities Act except in accordance with the following provisions:

	 	 	 	 	 
	 	 	(i)	 	the Corporation shall not be obligated to file (A) more than two (2) registration statements initiated pursuant to this Section which become effective, (B) any registration statement during any period in which any other registration statement (other than on Form S-4 or Form S-8 promulgated
under the Securities Act or any successor forms thereto) pursuant to which Primary Shares are to be or were sold has been filed and not withdrawn or has been declared effective within the prior 90 days, or (C) any registration statement initiated pursuant to this Section 2(b), unless it relates to
Registrable Shares having an anticipated aggregate offering price of at least $500,000.

 

	 	 	 	 	 
	 	 	(ii)	 	Notwithstanding the foregoing, in addition to the two (2) registration statements initiated pursuant to this Section for purposes of clause (A) above, in the event the Corporation is not able to honor a request pursuant to Section 2(e) below, the Corporation shall be obligated to file such
number of additional registration statements (not to exceed three (3)) initiated pursuant to this Section to permit or facilitate the sale and distribution of all or such portion of AOL’s Registrable Shares which. AOL requests to be registered; provided, however, that prior to
requesting registration pursuant to this Section 2(b)(ii), AOL must first demonstrate to the reasonable satisfaction of the Corporation that AOL is unable to sell or distribute such Registrable Shares under Rule 144 because (1) the resale provisions of Rule 144 are unavailable to AOL or AOL’s
intended sale or distribution of the Registrable Shares, or (2) market conditions related to the volume of trading in the Corporation’s securities are such that AOL’s reliance on Rule 144 to sell or distribute the Registrable Shares would likely result in a material adverse effect on the
price of such Registrable Shares;

	 	 	 	 	 
	 	 	(iii)	 	the Corporation may delay the filing or requesting effectiveness of any registration statement for a period not to exceed 90 days after the date of a request for registration pursuant to this Section 2 if (A) at the time of such request the Corporation is engaged, or has fixed plans to engage
within 60 days of the time of such request, in a firm commitment underwritten public offering of Primary Shares in which AOL may include Registrable Shares pursuant to this Section 2 or (B) the Corporation shall furnish AOL a certificate signed by the President of the Corporation stating that, in
the

4

	 	 	 	 	good faith judgment of the Board of Directors of
the Corporation, it would be seriously detrimental to the Corporation and its shareholders for such registration statement to be
filed and it is therefore essential to defer the filing of such registration statement (provided that the Corporation may not utilize
the right set forth in this clause (B) more than once in any 12-month period); and

	 	 	 	 	 
	 	 	(iv)	 	with respect to any registration pursuant to this Section, the Corporation may include in such registration any Primary Shares or
Other Shares; provided, however, that if the managing underwriter advises the Corporation that the inclusion of all
Registrable Shares, Primary Shares and Other Shares proposed to be included in such registration would interfere with the successful
marketing (including pricing) of all such securities, then the number of Registrable Shares, Primary Shares and Other Shares proposed
to be included in such registration shall be included in the following order:

	 	 	 	 	 	 
	 	 	 	a.	 	first, the Registrable Shares held by AOL:

	 	 	 	 	 	 
	 	 	 	b.	 	second, the Primary Shares: and

	 	 	 	 	 	 
	 	 	 	c.	 	third, the Other Shares.

     A request for
registration under this Section may be rescinded or withdrawn by written notice to the Corporation by AOL; provided, however,
that the transaction and directly related costs associated therewith shall be borne by AOL, and that such rescinded registration shall
not count as a registration statement initiated pursuant to this Section for purposes of paragraph (a) above if such rescission or
withdrawal is based upon material adverse information relating to the Corporation or its condition, business or prospectus that is
different from that generally known to AOL at the time of its request. The Corporation and AOL shall mutually select any firm of
underwriters in connection with a registration under this Section 2 which firm of underwriters shall be reasonably acceptable to both.

     Anything contained
in this Section 2(b) to the contrary notwithstanding, except where to do so would have an adverse tax or accounting effect on AOL in
its reasonable judgment, at the option of the Corporation, the Corporation may purchase that portion of the Registrable Shares that
AOL has requested the Corporation register pursuant to this Section 2(b), at a per share purchase price equal to the difference
between (x) the Fair Market Value (as defined in the Performance Warrant or the Time Warrant, as the case may be), net of
commissions, of one Registrable Share as of the date of the request to register, less (y) the Warrant Price in effect under the
Performance Warrant or the Time Warrant, as the case may be, at the time of such request.

     (c)
Piggyback Registration. If the Corporation at any time proposes for any reason to register Primary Shares, Registrable
Shares (other than pursuant to Section 2 hereof) or Other Shares under the Securities Act (other than on Form S-4 or Form S-8
promulgated under the Securities Act or any successor forms thereto or other than in connection with an exchange offer

5

or offering solely to, the Corporation’s
stockholders), it shall promptly give written notice to AOL of its intention so to register the Primary Shares or Other Shares and,
upon the written request, given within 30 days after delivery of any such notice by the Corporation, of AOL to include in such
registration Registrable Shares (which request shall specify the number of Registrable Shares proposed to be included in such
registration), the Corporation shall use its best efforts to cause all such Registrable Shares to be included in such registration on
the same terms and conditions as the securities otherwise being sold in such registration; provided, however, that if
the managing underwriter advises the Corporation that the inclusion of all Registrable Shares and/or Other Shares proposed to be
included in such registration would interfere with the successful marketing (including pricing) of the Primary Shares proposed to be
registered by the Corporation, then the number of Primary Shares, Registrable Shares and Other Shares, proposed to be included in
such registration shall be included in the following order:

	 	 	 	 	 
	 	 	(i)	 	first, the Primary Shares;

	 	 	 	 	 
	 	 	(ii)	 	second, the Registrable Shares held by AOL; and

	 	 	 	 	 
	 	 	(iii)	 	third the Other Shares.

     (d)
Priority of Registration Rights. AOL acknowledges that the Corporation has outstanding warrants and options as of the date
hereof which have registration rights associated therewith. Where such warrants and options require the holders thereof to be
entitled to registration rights which rank pari passu with the Registrable Shares, the priority set forth in Section 2(c)
hereof shall be revised so as to permit such warrant and option holders to participate on an equal basis with the holders of the
Registrable Shares in connection with any registration rights hereunder.

     (e)
Registrations on Form S-3. 

          Anything contained in this Section 2 to the contrary
notwithstanding, at such time as the Corporation shall have qualified for the use of Form S-3 promulgated under the Securities Act or
any successor form thereto:

	 	 	 	 	 
	 	 	(i)	 	AOL shall have the right to request in writing up to two (2) registrations on Form S-3 or such successor form;

	 	 	 	 	 
	 	 	(ii)	 	In addition to the two (2) registrations on Form S-3 or such successor form described immediately above, AOL shall have the right
to request in writing an unlimited number of registrations on Form S-3 or such successor form; provided, however, (A)
AOL must bear the transaction and directly related costs of such registrations and (B) AOL must demonstrate to the Corporation’s
reasonable satisfaction that AOL efforts to sell or distribute all or some portion of the Registrable Shares are impeded because (1)
the resale provisions of Rule 144 are unavailable to AOL or AOL’s intended sale or distribution of the Registrable Shares, (2) market
conditions related to the volume of trading in the Corporation’s securities are such that AOL’s reliance on Rule 144 to sell or
distribute the Registrable Shares would likely result in a material adverse effect on the

6

	 	 	 	 	price of such Registrable Shares, or (3) AOL has
not sold or had an opportunity in the prior 6-month period to include in a registration of Primary Shares, Registrable Shares or
Other Shares under the Securities Act (other than on Form S-4 or Form S-8 promulgated under the Securities Act or any successor forms
thereto or other than in connection with an exchange offer or offering solely to, the Corporation’s stockholders), all or such portion
of AOL’s Registrable Shares which AOL requested to be registered;

	 	 	 	 	 
	 	 	(iii)	 	The Corporation and AOL hereby agree to consider the viability of amending the registration provisions hereof to provide for a
registration statement on Form S-3 or such successor form which shall be filed as a “shelf registration” with respect to the resale
of the Registrable Shares.

All requests by AOL for registration on Form S-3
shall (i) specify the number of Registrable Shares intended to be sold or disposed of, (ii) state the intended method of disposition
of such Registrable Shares, and (iii) relate to Registrable Shares having an anticipated aggregate offering price of at least
$500,000; provided, however, AOL may only make one such request in any 6-month period. A requested registration on Form
S-3 or any such successor form in compliance with this Section shall not count as a registration statement demanded pursuant to
Section 2(b), but shall otherwise be treated as a registration initiated pursuant to and shall, except as otherwise expressly
provided in this Section 2(e), be subject to Section 2(b).

     (f) Holdback Agreement. If in connection with a public offering of shares of Common Stock of the Corporation registered pursuant to the Securities Act, the managing
underwriter for such registration shall so request, AOL shall not sell, make any short sale of, grant any option for the purchase of, or otherwise dispose of any Restricted Shares (other than those shares of Common Stock included in such registration) without the prior written consent of the
Corporation for a period designated by the Corporation in writing to AOL, which period shall not begin more than 10 days prior to the effectiveness of the registration statement pursuant to which such public offering shall be made and shall not last more than 120 days after the effective date of
such registration statement; provided that AOL shall be bound by this provision only if, and to the extent, all officers and directors of the Corporation shall be bound by such a provision.

     (g)
Preparation and Filing. If and whenever the Corporation is under an obligation
pursuant to the provisions hereof to use its best efforts to effect the registration of any
Registrable Shares, the Corporation shall, as expeditiously as practicable:

	 	 	 	 	 
	 	 	(i)	 	use its best efforts to cause a registration statement that registers such Registrable Shares to become and remain effective for
a period of 120 days or until all of such Registrable Shares have been disposed of (if earlier);

	 	 	 	 	 
	 	 	(ii)	 	furnish, at least five business days before filing a registration statement that registers such Registrable Shares, a prospectus
relating thereto or any amendments or supplements relating to such a registration statement or prospectus, to one counsel selected by
AOL, copies of all such documents

7

	 	 	 	 	 
	 	 	 	 	proposed to be filed (it being understood that such five-business-day period need not apply to successive drafts of the same document proposed to be filed so long as such successive drafts are supplied to such counsel in advance of the proposed filing by a period of time that is customary and reasonable under the circumstances);

	 	 	 	 	 
	 	 	(iii)	 	prepare and file with the Commission such amendments and supplements to such registration statement and the prospectus used in connection therewith as may be necessary to keep such registration statement effective for at least a period of 120 days or until all of such Registrable Shares, have been disposed of (if earlier) and with regard to such Registrable Shares and the Primary Shares to comply with the provisions of the Securities Act with respect to the sale or other disposition of such Registrable Shares;

	 	 	 	 	 
	 	 	(iv)	 	notify in writing AOL’s counsel promptly (i) of the receipt by the Corporation of any notification with respect to any
comments by the Commission with respect to such registration statement or prospectus or any amendment or supplement thereto or any request by the Commission for the amending or supplementing thereof or for additional information with respect thereto, (ii) of the receipt by the Corporation of any notification with respect to the issuance by the Commission of any stop order suspending the effectiveness of such registration statement or prospectus or any amendment or supplement thereto or the initiation or threatening of any proceeding for that purpose and (iii) of the receipt by the Corporation of any notification with respect to the suspension of the qualification of such Registrable Shares, for sale in any jurisdiction or the initiation or threatening of any proceeding for such purposes;

	 	 	 	 	 
	 	 	(v)	 	use its best efforts to register or qualify such Registrable Shares, under such other securities or blue sky laws of such jurisdictions as any seller of Registrable Shares reasonably requests and do any and all other acts and things which may be reasonably necessary or advisable to enable such seller of Registrable Shares to consummate the disposition in such jurisdictions of the Registrable Shares owned by such seller; provided, however, that the Corporation will not be required to qualify generally to do business, subject itself to general taxation or consent to general service of process in any jurisdiction where it would not otherwise be required so to do but for this paragraph (v);

	 	 	 	 	 
	 	 	(vi)	 	furnish to each seller of such Registrable Shares such number of copies of a summary prospectus, if any, or other prospectus, including a preliminary prospectus, in conformity with the requirements of the Securities Act, and such other documents as such seller of Registrable Shares may reasonably request in order to facilitate the public sale or other disposition of such Registrable Shares;

8

	 	 	 	 	 
	 	 	(vii)	 	use its best efforts to cause such Registrable Shares to be registered with or approved by such other governmental agencies or authorities as may be necessary by virtue of the business and operations of the Corporation to enable the seller or sellers thereof to consummate the disposition of such Registrable Shares;

	 	 	 	 	 
	 	 	(viii)	 	notify on a timely basis each seller of such Registrable Shares at any time when a prospectus relating to such Registrable Shares is required to be delivered under the Securities Act within the appropriate period mentioned in paragraph (i) of this Section, of the happening of any event as a result of which the prospectus included in such registration statement, as then in effect, includes an untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements therein not misleading in light of the circumstances then existing and, at the request of such seller, prepare and furnish to such seller a reasonable number of copies of a supplement to or an amendment of such prospectus as may be necessary so that, as thereafter delivered to the offerees of such shares, such prospectus shall not include an untrue statement of a material fact or omit to state a material
fact required to be stated therein or necessary to make the statements therein not misleading in light of the circumstances then existing;

	 	 	 	 	 
	 	 	(ix)	 	make available for inspection by any seller of such Registrable Shares and
any attorney, accountant or other agent retained by any such seller
(collectively, the “Inspectors”), all pertinent financial and other records,
pertinent corporate documents and properties of the Corporation
(collectively, the “Records”), as shall be reasonably necessary to enable
them to exercise their due diligence responsibility, and cause the
Corporation’s officers, directors and employees to supply all information
(together with the Records, the “Information”) reasonably requested by
any such Inspector in connection with such registration statement. Any of
the Information which the Corporation determines in good faith to be
confidential, and of which determination the Inspectors are so notified,
shall not be disclosed by the Inspectors unless (i) the disclosure of such
Information is necessary to avoid or correct a misstatement or omission in the registration statement, (ii) the release of such Information is ordered pursuant to a subpoena or other order from a court of competent jurisdiction or (iii) such Information has been made generally available to the public. The seller of Registrable Shares, agrees that it win, upon learning that disclosure of such Information is sought in a court of competent jurisdiction, give notice to the Corporation and allow the Corporation, at the Corporation’s expense, to undertake appropriate action to prevent disclosure of the Information deemed confidential;

	 	 	 	 	 
	 	 	(x)	 	use its best efforts to obtain from its independent certified public accountants “comfort” letters in customary form and at customary times and covering matters of the type customarily covered by comfort letters;

9

	 	 	 	 	 
	 	 	(xi)	 	use its best efforts to obtain from its counsel an opinion or opinions in customary form;

	 	 	 	 	 
	 	 	(xii)	 	provide a transfer agent and registrar (which may be the same entity and which may be the Corporation) for such Registrable Shares;

	 	 	 	 	 
	 	 	(xiii)	 	issue to any underwriter to which any seller of Registrable Shares may sell   shares in such offering stock’ certificates evidencing such Registrable Shares;.

	 	 	 	 	 
	 	 	(xiv)	 	apply to list such Registrable Shares on any national securities exchange on which any shares of the Common Stock are listed or, if the Common Stock is not listed on a national securities exchange, use its best efforts to qualify such Registrable Shares for inclusion on the automated quotation system of the National Association of Securities Dealers, Inc. (the “NASD”);

	 	 	 	 	 
	 	 	(xv)	 	otherwise use its best efforts to comply with all applicable rules and regulations of the Commission applicable to or affecting such registration and sale and make available to its security holders, as soon as reasonably practicable, earnings statements (which need not be audited) covering a period of 12 months beginning within three months after the effective date of the registration statement, which earnings statements shall satisfy the provisions of Section 11(a) of the Securities Act; and

	 	 	 	 	 
	 	 	(xvi)	 	use its best efforts to take all other steps necessary to effect the registration of such Registrable Shares contemplated hereby.

     (h)      Expenses. Except as may be required by the NASD, NASDAQ or any state blue sky or securities commissions, and except as provided in Sections 2(b) and 2(e)(ii) hereof, all expenses incurred by the Corporation in complying with the registration provisions hereof, including, without limitation, all registration and filing fees (including all expenses incident to filing with the NASD), fees and expenses of complying with securities and blue sky laws, printing expenses, and fees and expenses of the Corporation’s counsel and accountants shall be paid by the Corporation; provided, however, that all underwriting discounts and selling commissions applicable to the Registrable Shares and all fees and expenses of any special or interim audit for any registration initiated by AOL pursuant to Section 2 hereof, that is not otherwise required under the Securities Act
in connection with such registration and the fees of AOL’s counsel, shall be borne by AOL.

	 	 	 	 
	 	(i)	 	Indemnification.

	 	 	 	 	 
	 	 	(i)	 	In connection with any registration of any Registrable Shares under the Securities Act pursuant to this Agreement, the Corporation shall indemnify and hold harmless the seller of such Registrable Shares, its partners, members in the case of a limited liability corporation, beneficiaries in the case of a trust, officers and directors, each underwriter, broker or any other person acting on behalf of such seller and each other

10

person, if any, who controls any of the foregoing persons within the meaning of the Securities Act against any losses, claims, damages or liabilities, joint or several, (or actions in respect thereof) to which any of the foregoing persons may become subject under the Securities Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or alleged untrue statement of a material fact contained in the registration statement, under which such Registrable  Shares were registered under the Securities Act, any preliminary prospectus or final prospectus contained therein or otherwise filed with the Commission, any amendment or supplement thereto or any document incident to registration or qualification of any Registrable  Shares, or arise out of or are based upon the omission or alleged omission to state the
rein a material fact required to be stated therein or necessary to make the statements therein not misleading or, with respect to any prospectus, necessary to make the statements therein in light of the circumstances under which they were made not misleading, or any violation by the Corporation of the Securities Act with respect to the Registrable Shares or state securities or blue sky laws applicable to the Corporation and relating to action or inaction required of the Corporation in connection with such registration or qualification under such state securities or blue sky laws; and shall reimburse such seller, such officer or director, such underwriter, such broker or such other person acting on behalf of such seller and each such controlling person for any legal or other expenses reasonably incurred by any of them in connection with investigating or defending any such loss, claim, damage, liability or action; provided, however, that the Corporation shall not be liable in any such case to the
 extent that any such loss, claim, damage, liability (including legal and other expenses reasonably incurred by any of them in connection with investigating or defending any such loss, claim, damage, liability or action) or action arises out of or is based upon an untrue statement or alleged untrue statement or omission or alleged omission made in said registration statement, preliminary prospectus, final prospectus, amendment, supplement or document incident to registration or qualification of any Registrable Shares in reliance upon and in conformity with written information furnished to the Corporation through an instrument duly executed by such seller or underwriter that states that it is specifically for use in the preparation thereof.

	 	 	 	 	 
	 	 	(ii)	 	In connection with any registration of Registrable Shares, under the Securities Act pursuant to this Agreement, each seller of Registrable Shares shall, severally but not jointly, indemnify and hold harmless (in the same manner and to the same extent as set forth in the preceding paragraph of this Section) the Corporation, each director and officer of the Corporation, each underwriter, broker or other person acting on behalf of such seller, each person who controls any of the foregoing persons within the  meaning of the Securities Act and each other seller of Registrable

11

Shares under such registration statement with respect to any statement or omission from such registration statement, any preliminary prospectus or final prospectus contained therein or otherwise filed with the Commission, any amendment or supplement thereto or any document incident to registration or qualification of any Registrable Shares, if such statement or omission was made in reliance upon and in conformity with written information furnished to the Corporation or such underwriter through an instrument duly executed by such seller or underwriter that states that it is specifically for use in connection with the preparation of such registration statement, preliminary prospectus, final prospectus, amendment, supplement or document; provided, however, that the obligation to indemnify will be (x) joint and several among AOL and its affiliates, and (y) several, but not joint and
several, among any such sellers of Registrable Shares (other than among AOL and its affiliates), and the maximum amount of  liability in respect of such indemnification shall be in proportion to and limited to, in the case of each seller of Registrable Shares, an amount equal to the net proceeds actually received by such seller from the sale of  Registrable Shares effected pursuant to such registration.

	 	 	 	 	 
	 	 	(iii)	 	The indemnification required by Sections 2(i) and (ii) will be made by periodic payments during the course of the investigation or defense, as and when bills are received or expenses incurred, subject to prompt refund in the event any such payments are determined not to have been due and owing hereunder.

	 	 	 	 	 
	 	 	(iv)	 	Promptly after receipt by an indemnified party of notice of the commencement of any action involving a claim referred to in the preceding paragraphs of this Section, such indemnified party will, if a claim in respect thereof is made against an indemnifying party, give written notice to the latter of the commencement of such action. In case any such action is brought against an indemnified party, the indemnifying party will be entitled to participate in and to assume the defense thereof, jointly with any other indemnifying party similarly notified to the extent that it may wish, with counsel reasonably satisfactory to such indemnified party, and after notice from the indemnifying party to such indemnified party of its election so to assume the defense thereof, the indemnifying party shall not be responsible for any legal or other expenses subsequently incurred by the latter in connection with the defense thereof; provided, however,
that if any indemnified party shall have reasonably advised by counsel that there may be one or more legal or equitable defenses available to such indemnified party which are additional to or conflict with those available to the indemnifying party, the indemnifying party shall not have the right to assume the defense of such action on behalf of such indemnified party and such indemnifying party shall reimburse such indemnified party and any person controlling such indemnified party for that portion of the fees and expenses of such counsel and not more than

12

one counsel retained by the indemnified party or parties which is reasonably related to the matters covered by the indemnity agreement provided in this Section.

	 	 	 	 	 
	 	 	(v)	 	The indemnification provided for under this Agreement will remain in full force and effect regardless of any investigation made by or on behalf of the indemnified party or any officer, director or controlling person of such indemnified party and will survive the transfer of securities.

	 	 	 	 	 
	 	 	(vi)	 	   If  the  indemnification  provided for in this Section is held by a court of
competent jurisdiction to be unavailable to an indemnified party with
respect to any loss, claim, damage, liability or action referred to herein,
then the indemnifying party, in lieu of indemnifying such indemnified
party hereunder, shall contribute to the amounts paid or payable by such
indemnified party as a result of such loss, claim, damage, liability or
action in such proportion as is appropriate to reflect the relative fault of
the indemnifying party on the one hand and of the indemnified party on
the other in connection with the statements or omissions which resulted in
such loss, claim, damage or liability as well as any other relevant equitable
considerations. The relative fault of the indemnifying party and of the
indemnified party shall be determined by reference to, among other things,
whether the untrue or alleged untrue statement of a material fact or the
omission or alleged omission to state a material fact relates to information
supplied by the indemnifying party or by the indemnified party and the
parties’ relative intent, knowledge, access to information and opportunity
to correct or prevent such untrue statement or a material fact or omission.
The Corporation and the sellers of Registrable  Shares agree that it would
not be just and equitable if contributions pursuant to this paragraph were
determined by pro rata allocation or by any other method of allocation
which did not take into account the equitable considerations referred to
herein. The amount paid or payable to an indemnified party as a result of
the losses, claims, damages, liabilities or expenses referred to above shall
be deemed to include, subject to the limitation set forth in Section 2(i)(iv),
any legal or other expenses reasonably incurred in connection with investigating or defending the same. Notwithstanding the foregoing, in no event shall the amount contributed by a seller of Registrable  Shares exceed  the aggregate net offering proceeds received by such seller from the  sale of such seller’s Registrable  Shares.

	 	 	 	 	 
	 	 	(vii)	 	Notwithstanding  any of the provisions herein to the contrary, the parties acknowledge that in the event of a public offering of shares of Common Stock the underwriter may require provisions different than those set forth in this Section 2(i) hereof, in which case the parties hereto agree to negotiate such provisions in good faith.

     (j)       Information by Holder. AOL shall furnish to the Corporation such written information regarding AOL and the distribution proposed by AOL as the Corporation may

13

reasonably request in writing and as shall be reasonably required in connection with any registration, qualification or compliance referred to herein.

     (k) Exchange Act Compliance. From and after the Registration Date or such earlier date as a registration statement filed by the Corporation pursuant to the Exchange Act relating
to any class of the Corporation’s securities shall have become effective, the Corporation shall use its best efforts to comply with all of the reporting requirements of the Exchange Act and with all other public information reporting requirements of the Commission which are conditions to the
availability of Rule 144 for the sale of the Common Stock. The Corporation shall cooperate with AOL in supplying such information as may be necessary for AOL to complete and file any information reporting forms presently or hereafter required by the Commission as a condition to the availability of
Rule 144.

     (1) No Conflict of Rights. The Corporation represents and warrants to AOL that the registration rights granted to AOL hereby do not conflict with any other registration rights
granted by the Corporation. The Corporation shall not, after the date hereof, grant any registration rights which conflict with or impair the registration rights granted hereby.

     (m) Future Registration Rights. Should the Corporation, during the period of time in which registration rights exist with regard to the Registrable Shares, enter into a warrant
agreement or option agreement which includes registration rights superior to those set forth herein, in whole or part, the Corporation agrees to amend Section 2 of this Agreement to provide for such expanded registration rights with regard to the Registrable Shares which remain outstanding.

3. Miscellaneous

     (a) Singular Rights. AOL acknowledges that the rights granted in Section 8 of the Performance Warrant and Section 9 of the Time Warrant and Sections 1 and 2 of this Agreement are
singular in nature, and are not subject to aggregation (by way of example, the total number of transfers for the Time Warrant pursuant to Section 9 thereof and the Performance Warrant pursuant to Section 8 thereof, if any, shall be ten (10) without the prior written consent of the Corporation).

     (b) Successors and Assigns. This Agreement shall bind and inure to the benefit of the Corporation, AOL and, subject to Section 3(c), the respective successors and assigns of the
Corporation and AOL.

     (c) Assignment. AOL may assign its rights hereunder to any purchaser or transferee of Restricted Shares; provided, however, that such purchaser or transferee shall,
as a condition to the effectiveness of such assignment, be required to execute a counterpart to this Agreement agreeing to be treated as the seller or transferor hereunder whereupon such purchaser or transferee shall have the benefits of, and shall be subject to the restrictions contained in, this
Agreement.

     (d) Entire Agreement. This Agreement, the Performance Warrant and the Time Performance Warrant, and the other writings referred to herein or delivered pursuant hereto,

14

contain the entire agreement among the parties with respect to the subject matter hereof and supersede all prior and contemporaneous arrangements or understandings with respect thereto.

     (e) Notices. All notices, requests, consents and other communications hereunder to any party shall be deemed to be sufficient if contained in a written instrument delivered in
person or sent by telecopy, nationally-recognized overnight courier or first class registered or certified mail, return receipt requested, postage prepaid, addressed to such party at the address set forth below or such other address as may hereafter be designated in writing by such party to the
other parties:

	 	 	 
	(i)
	 	if  to AOL  at:
	
	 	 
	
	 	America Online, Inc.
	
	 	22000 AOL  Way
	
	 	Dulles,  VA  20166-9323
	
	 	Attention: David M. Colburn, Senior Vice President, Business Affairs
	
	 	Telecopier: 703-265-1206
	
	 	e-mail address: AOLNOTICE@aolcom
	
	 	 
	
	 	With a copy to:
	
	 	 
	
	 	America Online, Inc.
	
	 	22000 AOL Way
	
	 	Dulles,  VA  20166-9323
	
	 	Attention: General Counsel
	
	 	Telecopier: 703-265-1105
	
	 	 
	
	 	With a copy to:
	
	 	 
	
	 	Orrick, Herrington & Sutcliffe LLP
	
	 	30 Rockefeller Plaza
	
	 	New York,  New York 10112
	
	 	Attention: Martin H. Levenglick, Esq.
	
	 	Telecopier: (212) 506-3730
	
	 	 
	
	 	If to PAMCO:
	
	 	 
	
	 	Provident American Corporation
	
	 	2500 Dekalb Pike
	
	 	Norristown, PA 19404-0511
	
	 	Attention:       Mr. Alvin H. Clemens, Chairman
	
	 	Telecopier:     (610)279-1486
	
	 	 
	
	 	With a copy to:

15

	 	 	 
	
	 	Butera. Beausang, Cohen & Brennan
	
	 	630 Freedom Business Center
	
	 	King of Prussia, PA 19406
	
	 	Attention:       Michael Beausang, Esq.
	
	 	Telecopier:     (610)265-7205

All such notices, requests, consents and other communications shall be deemed to have been delivered (a) in the case of personal delivery or delivery by telecopier, on the date of such delivery, (b) in the case of
dispatch by nationally-recognized overnight courier, on the next business day following such dispatch and (c) in the case of mailing, on the third business day after the posting thereof.

     (f) Modifications: Amendments: Waivers. The terms and provisions of this Agreement may not be modified or amended, nor may any provision be waived, except pursuant to a writing
signed by the Corporation and AOL.

     (g) Counterparts. This Agreement may be executed in any number of counterparts, and each such counterpart hereof shall be deemed to be an original instrument, but all such
counterparts together shall constitute but one agreement.

     (h) Headings. The headings of the various sections of this Agreement have been inserted for convenience of reference only and shall not be deemed to be a part of this Agreement.

     (i) Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia applicable to contracts made and to be performed wholly
therein (without reference to principles of conflict of laws).

     (j) Termination. This Agreement shall terminate and be of no further force or effect when there shall not be any Restricted Shares. In the event the Marketing Agreement is renewed
pursuant to Section 5.2.1 thereof, the Corporation shall issue to AOL warrants (the “Renewal Term Warrants”) to purchase up to an additional 300,000 Warrant Shares in the form of the stock subscription warrant attached hereto as Exhibit A.

* * *

16

[COUNTERPART SIGNATURE PAGE TO RIGHTS AGREEMENT]

     IN WITNESS WHEREOF, the parties hereto have caused this Rights Agreement to be executed and delivered as of the date first above written.

	 	 	 	 
	
	 	AMERICA ONLINE,  INC.
	
	 	 	 
	
	 	By:	

	
	 	 	Name:
	
	 	 	Title:
	
	 	 	 
	
	 	PROVIDENT AMERICAN CORPORATION
	
	 	 	 
	
	 	By:	

	
	 	 	Name:
	
	 	 	Title:

17

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