Document:

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                                                                 Exhibit 10(iii)
                                  TOLLAND BANK

                  SUPPLEMENTAL EXECUTIVE RETIREMENT INCOME PLAN

         1.01 Synopsis. This document sets forth the Supplemental Executive
Retirement Plan (the "Plan"), established and maintained by Tolland Bank (the
"Bank") for the benefit of Joseph H. Rossi (the "Participant"). The Plan shall
provide a supplemental benefit at age 65 equal to 70% of Highest Five-Year
Average Compensation with a 50% offset for Social Security and a 100% offset for
employer-provided benefits under other qualified retirement and non-qualified
deferred compensation plans. Reduced Early Retirement benefits are payable if
the Participant continues service with the Bank until at least age 50. Early
Retirement benefits can commence beginning anytime after the earliest age at
which Social Security benefits are payable to the Participant Subsidized Early
Retirement benefits are payable if before age 65 the Participant is terminated
by the Bank involuntarily and without cause (as defined). No benefits are
payable on account of death, or if the Participant terminates service for cause
(as defined) or competes with the Bank. Accrued benefits shall be paid from the
general funds of the Bank. The Plan Administrator shall interpret and implement
this Plan.

                          ELIGIBILITY AND PARTICIPATION

         2.01 Eligibility. Joseph H. Rossi shall be the only Participant
hereunder.
                                    BENEFITS

         3.01 Benefits. If the Participant remains employed by the Bank until
age 65, the Bank will pay to the Participant, commencing as soon as practical
following Retirement, an annuity for the life of the Participant (the
"Supplemental Benefit") having an annual payment equal to seventy percent (70%)
multiplied by the Participant's Highest Average Compensation, reduced by the
offset set forth under Section 3.02.

         Retirement is the first date on which the Participant has ceased
employment with the Bank and attained age 65.

         3.02 Offset. The reduction specified in Section 3.01 shall be the sum
of the following:

                  (i) 50% of the Participant's Primary Insurance Amount (as
defined below);

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                  (ii) the annual amount of the Participant's benefits
(expressed as a single life annuity) under any non-qualified plan of deferred
compensation maintained and funded by the Bank (other than this Plan); and

                  (iii) the annual amount of the Participant's benefits
(expressed as a single life annuity) attributable to employer contributions
(other than an account attributable to a salary reduction arrangement described
in 401(k) of the Internal Revenue Code) from any defined benefit or defined
contribution plan qualified under Section 401(a) of said Code maintained or
funded by the Bank, assuming for purposes hereunder that the Participant
received the amount of employer matching contributions attributable to the
maximum salary reduction contributions which would have been permissible for the
Participant in question to make.

         In the case of a defined contribution plan or a deferred compensation
plan under (ii) or (iii) above where the Participant's benefits are expressed in
the form of an individual account or an amount otherwise than as a life annuity,
the Participant's benefits attributable to employer contributions shall be
determined by converting the Participant's account or amount at the time of
determination (including the value of any in-service distributions and loans
from the account but excluding amounts attributable to rollover from another
employer's plan) into an actuarially equivalent single life annuity determined
in accordance with factors as then stated in any defined benefit plan maintained
by the Bank or in which the Bank participates, and if there is no such defined
benefit plan, in accordance with such reasonable factors as shall be determined
by the Bank.

         3.03 Highest Average Compensation. The Participant's Highest Average
Compensation shall be the average of the Participant's gross compensation for
the five (5) calendar years (whether or not consecutive) during the
Participant's last ten years of employment by the Bank in which such
compensation is the highest.

         3.04 Primary Insurance Amount. The Primary Insurance Amount is the
basic annual Social Security retirement benefit actually payable to the
Participant (regardless of whether actually paid) at the earliest age at which
the Participant's Social Security old age benefits are payable, or if at such
earliest age the Participant has not then ceased employment with the Bank, then
at the age at which the Participant subsequently ceases employment with the
Bank. If the Participant fails to provide information to the Plan Administrator
sufficient to determine the Participant's Primary Insurance Amount, then the
Participant's Primary Insurance Amount shall be the maximum such amount payable
under Social Security at that date. The Primary Insurance Amount shall be
determined without regard to subsequent changes in the benefit, procedural or
other conditions (such as but not limited to earned income) which may result in
nonpayment, reduction or loss of Social Security benefits.

                                      -2-

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         3.05 Early Retirement. If the Participant ceases employment with the
Bank after attainment of age 50, then the Participant shall receive beginning at
age 65 an Early Retirement Benefit, which shall be the Supplemental Benefit set
forth in Section 3.01, as reduced by the offset in Section 3.02, and as further
reduced by a fraction. The numerator of said reduction fraction shall be the
Participant's number of months of service with the Bank after the Effective Date
and the denominator shall be the number of months of service with the Bank after
the Effective Date that the Participant would have had if the Participant would
have remained continuously employed with the Bank until age 65. In lieu of
beginning the Early Retirement Benefit hereunder at age 65, the Participant may
elect to commence to receive the Early Retirement Benefit after attainment of
the earliest age at which Social Security old age benefits are payable to the
Participant. If the Participant elects to so commence payment of Early
Retirement Benefits before age 65, then the Early Retirement Benefit shall be
reduced by 5/9 of one percent (.5555%) for each month by which the commencement
precedes the month in which the Participant attains age 65.

         3.06 Disability Prior to Retirement. In the event the Participant shall
become disabled, mentally or physically, which disability shall entitle the
Participant to disability benefits under the Bank's group long-term disability
program, the Participant will for purposes of this Plan continue during such
disability to be treated as employed by the Bank (regardless of whether the
Participant is in fact so employed) and continue to accrue months of service for
purposes of Section 3.05. No benefits shall be payable hereunder until such time
as the Participant's Bank group long-term disability benefits cease.

         3.07 Forfeiture for Cause or Competition. If the Participant's
employment with the Bank terminates for cause, then the Participant shall
immediately forfeit all benefits hereunder. Termination for cause shall include
only termination of employment (by resignation or otherwise) on account of
breach of fiduciary duty involving personal profit, willful violation of law
involving moral turpitude, or willful failure to perform or adhere to explicitly
stated duties after reasonable notice and an opportunity to cure such failure to
perform or adhere. In addition, if within twelve (12) months following
termination of employment with the Bank, while benefits are remaining to be paid
hereunder, the Participant becomes an employee, director, or consultant of, or
otherwise provides services to, a bank, credit union or other financial
institution having a principal place of business within thirty-five (35) miles
of the municipal limits of Vernon, Connecticut, then thereupon the Participant
shall immediately forfeit all benefits hereunder.

         3.08 Death Benefits. There are no death benefits under this Plan. Upon
the Participant's death, all benefits hereunder shall cease.

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                            ADMINISTRATIVE PROVISIONS

         4.01 Source of Benefits. Benefits shall be paid from the general assets
of the Bank. No Participant or beneficiary shall have a right to a benefit
hereunder greater than that of an unsecured general creditor of the Bank.
Nothing herein shall be deemed to create a trust of any kind or to create any
fiduciary relationship whatsoever.

         4.02 Alienation of Benefits. Benefits are not subject to alienation,
anticipation or assignment by a Participant or beneficiary and are not subject
to being attached or reached and applied by any creditor of the Participant.

         4.03 Withholding. The Bank reserves the right to withhold from payment
of contributions or benefits such amount of income, payroll, and other taxes as
the Bank determines is advisable.

         4.04 Plan Administrator. The Plan Administrator shall have discretion
to operate, interpret, and implement the Plan. The Plan Administrator shall be
the Bank acting through its Board of Directors, or such individual Director or
Committee of Directors as the Board shall select from time to time. The Plan
Administrator's decisions and determinations (including determinations of the
meaning and reference of terms used in this Plan) shall be conclusive upon all
persons. The Plan Administrator shall be the Named Fiduciary for purposes of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA").

         4.05 Intent. This Plan is intended to be unfunded and maintained by the
Bank primarily for the purpose of providing deferred compensation for a select
group of management or highly compensated employees within the meaning of
Section 201(2) of ERISA. Benefits are intended not to be taxable to Participants
under the Internal Revenue Code of 1986 as amended (the "Code") until paid. This
Plan shall be construed and interpreted in a manner consistent with the
foregoing intentions.

         4.06 Governing Law. This Plan shall be governed by the law of the State
of Connecticut to the extent that it is not preempted by federal law.

         4.07 Effective Date. This Plan shall be effective as of October 1,
1999.

         4.08 Plan Year. The Plan Year shall be the 12-month period ending
December. The initial Plan Year shall be the period ending December 31, 1999.

         4.09 Entire Agreement. This Plan document constitutes the entire
agreement of the Bank with respect to the subject matter thereof.

         4.10 Amendment or Termination. The Bank reserves the right to terminate
or amend the Plan, in whole or in part, at any time.

                                       -4-

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         4.11 No Contract of Employment. This Plan shall not constitute an
express or implied contract of employment between the Bank and any Participant.

         4.12 Successors. This Plan shall be binding on any successor-in-
interest of the Bank, and no agreement with respect to sale or transfer of
substantially all of the assets of the Bank shall be effective unless the
successor agrees to assume all liabilities hereunder.

         4.13 Enhanced Early Retirement Benefits. If at any time before
attaining age 65 the Participant is terminated by the Bank without cause as
defined in Section 3.07, then for purposes of Section 3.05 (regarding Early
Retirement), the Participant shall be credited with months of service equal to
the number the Participant would have if he had remained employed by the Bank
through age 65, and the Participant may elect to commence payment of benefits,
subject to a reduction of 5/9 of one percent (.5555%) for each month by which
the commencement precedes the month in which the Participant actually attains
age 65.

                                CLAIMS PROCEDURE

         5.01 Claims and Review. All inquiries and claims respecting the Plan
shall be in writing and shall be directed to the Plan Administrator at such
address as may be specified from time to time.

                  (a) Claims. In the case of a claim respecting a benefit under
the Plan, a written determination allowing or denying the claim shall be
furnished by the Plan Administrator to the claimant promptly upon receipt of the
claim. A denial or partial denial of a claim shall be dated and signed by the
Plan Administrator and shall clearly set forth: (1) the specific reason or
reasons for the denial; (2) specific reference to pertinent Plan provisions on
which the denial is based; (3) a description of any additional material or
information necessary for the claimant to perfect the claim and an explanation
of why such material or information is necessary; and (4) an explanation of the
review procedure set forth below.

         If no written determination is furnished to the claimant within thirty
(30) days after receipt of the claim, then the claim shall be deemed denied and
the thirtieth (30th) day after such receipt shall be the determination date.

                  (b) Review. A claimant may obtain review of an adverse
determination by filing a written notice of appeal with the Plan Administrator
within sixty (60) days after the determination date or, if later, within sixty
(60) days after the receipt of a written notice denying the claim. Thereupon the
Named Fiduciary shall appoint one or more persons who shall conduct a full and
fair review, which shall include the right: (1) to be represented by a
spokesman; (2) to present a written statement of facts and of the claimant's
interpretation of any pertinent document, statute or regulation; and (3) to

                                      -5-

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receive a prompt written decision clearly setting forth findings of fact and the
specific reasons for the decision written in a manner calculated to be
understood by the claimant and containing specific references to pertinent Plan
provisions on which the decision is based. A decision shall be rendered no more
than sixty (60) days after the request for review, except that such period may
be extended for an additional sixty (60) days if the person or persons reviewing
the claim determine that special circumstances, including the advisability of a
hearing, require such extension. The Named Fiduciary may appoint itself, one or
more of its members, or any other person or persons whether or not connected
with the Bank to review a claim.

         All applicable governmental regulations regarding claims and review
shall be observed.

         EXECUTED this 14th day of December, 1999.

                                                TOLLAND BANK

                                                By: /s/ Robert C. Boardman
                                                    Robert C. Boardman, Director

                                      -6-<PAGE>

                                                                    Exhibit 4(a)

                              CERTIFICATE OF STOCK

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<CAPTION>

  NUMBER                                                                                            SHARES
<S>                                      <C>                                                     <C>
HA                                      HealthAxis Inc.

COMMON STOCK         INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA             COMMON STOCK

                                                                                              CSUIP 42219D 10 0

THIS CERTIFIES THAT                                                                                 SEE REVERSE FOR
                                                                                                 CERTAIN DEFINITIONS

is the owner of

         FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK, $.10 PAR VALUE, OF HEALTHAXIS, INC.

transferable on the basis of the Corporation by the holder hereof in person or by duly authorized attorney upon surrender of
this certificate property endorsed.

     This certificate is not valid until countersigned and registered by the Transfer Agent and Registrar.

     Witness the facsimile seal of the Corporation and the facsimile signatures of its duly authorized officers.

Dated

                                                  HEALTHAXIS INC.

Francis L. Gillan, III                            CORPORATE SEAL                            Michael Ashker
Treasurer                                                                                   President
                                                      1982

                                                   PENNSYLVANIA

COUNTERSIGNED AND REGISTERED:
     CHASEMELLON SHAREHOLDER SERVICES, L.L.C.
             (RIDGEFIELD PARK, N.J.)                   TRANSFER AGENT
                                                        AND REGISTRAR

                                                      AUTHORIZED OFFICER

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<CAPTION>

The corporation will furnish to any shareholder upon request and without change a full or summary statement of the
designations, preferences, limitations and relative rights of the shares of each class authorized to be issued and, with
respect to any authorized class of stock issuable in series, the variations in the relative rights and preferences
between the shares of each series of such class so far as the same have been fixed and determined and the authority of
the Board of Directors to fix and determine the relative rights and preferences of subsequent series.

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

Keep this certificate in a safe place. If it is lost, stolen, mutilated or destroyed, the corporation will require a
bond of indemnity as a condition to the issuance of a replacement certificate.

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

      The following abbreviations, when used in the inscription of the face of this certificate, shall be construed as though
they were written out in full according to applicable laws or regulations:
<S>                                                             <C>
   TEN COM  - as tenants in common                               UNIF GIFT MIN ACT            Custodian
   TEN ENT  - as tenants in entireties                                            -----------------------------------
   JT TEN   - as joint tenants with right of                                        (Cust)                   (Minor)
              survivorship and not as tenants
                                                                                   under Uniform Gifts to Minors
                                                                                   Act
                                                                                      -------------------------------
                                                                                                (State)

                                                                 UNIF TRANS MIN ACT            Custodian
                                                                                   -----------------------------------
                                                                                     (Cust)                   (Minor)

                                                                                   under Uniform Transfers to Minors
                                                                                   Act
                                                                                      --------------------------------
                                                                                                 (State)

                      Additional abbreviations may also be used though not in the above list.

         For value received, _____________________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEES

|---------------------------------|
|                                 |
|---------------------------------|

_________________________________________________________________________________________________________________________
                        (Please print or typewrite name and address, including zip code, of assignee)

_________________________________________________________________________________________________________________________

_________________________________________________________________________________________________________________________

__________________________________________________________________________________________________________________ shares
of the capital stock represented by the within Certificate, and do hereby irrevocably constitute and appoint

_______________________________________________________________________Attorney to transfer the said stock on the books
of the within named Corporation with full power of substitution in the promises.

Dated__________________________

                             _________________________________________________________
                    NOTICE:  THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE
                             NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY
                             PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT OR ANY
                             CHANGE WHATEVER.

SIGNATURE(S) GUARANTEED:______________________________________________________________
                        THE SIGNATURE(S) MUST BE GUARANTEED BY AN ELIGIBLE GUARANTOR
                        INSTITUTION (BANKS, STOCKBROKERS, SAVINGS AND LOAN
                        ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP IN AN APPROVED
                        SIGNATURE GUARANTEE MEDALLION PROGRAM) PURSUANT TO S.E.C. RULE
                        17 ACT 15.

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