Document:

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                                                                    EXHIBIT 10.1

                                 WILTEX A, INC.
                            1191 Woodstock, Suite #5
                           Estes Park, Colorado 80517

May 15, 2002

Wiltex First, Inc
1191 Woodstock, Suite #5
Estes Park, Colorado 80517

Re: Lock-Up Agreement with Wiltex A, Inc.

Gentlemen,

In consideration of the sale to the holder by Wiltex A, Inc., (the "Company") of
its common stock ($.001 par value), the undersigned holder warrants, covenants
and agrees for the benefit of the Company not to sell, offer to sell, solicit an
offer to buy, contract to sell, make any short sale, pledge, grant, grant any
option to purchase, or otherwise transfer or dispose of, any shares of common
stock, or any securities convertible into or exercisable or exchangeable for
common stock, owned directly or beneficially by the undersigned or with respect
to which the undersigned has the power of disposition, except in connection with
or following a completed merger or acquisition by the Company and the Company is
no longer classified as a blank check company pursuant to Section 7 (b) (3) of
the Securities Act of 1933, as amended.

An attempt to sell, transfer or any type of disposition of the shares shall be a
violation of this Agreement and shall be ineffective and null and void.

In furtherance of the foregoing, the holder agrees to: (1) deliver its shares to
the Company for safe keeping; (2) allow the Company to advise its Transfer Agent
not to transfer said securities and (3) authorize the Company to deliver a copy
of this Agreement to the Transfer Agent with instructions to decline to make any
transfer of securities if such transfer would constitute a violation or breach
of this Agreement.

This Agreement shall be binding upon the holder, its agents, heirs, successors,
assignees and beneficiaries.

A waiver of the terms and conditions of this agreement must be in writing and
executed by the proper officer of the Company and the holder.

<PAGE>
If there is a breach or threatened breach of this Agreement, the holder agrees
that there is no adequate remedy at law and said breach will cause irreparable
damage. Accordingly, the holder agrees that the Company is entitled to the
issuance of an immediate injunction without notice to restrain the breach or
threatened breach.

This remedy is not exclusive and the holder agrees that the Company and third
party beneficiaries shall be entitled to seek other remedies including a claim
for other remedies, including money damages.

THE HOLDER

/s/ James E. Hogue
Wiltex First, Inc.                  Constituting 5,000,000 shares (certificates)<PAGE>
                                                                    EXHIBIT 10.2

                                 WILTEX A, INC.
                            1191 Woodstock, Suite #5
                           Estes Park, Colorado 80517

May 15, 2002

Patricia Anne Dickerson
Energy Direct Communications, LLC
800 N. Highway 77, Suite 160, PMB #194
Waxahachie, Texas 75165

Re: Lock-Up Agreement with Wiltex A, Inc.

Ms. Dickerson:

In consideration of the sale to the holder by Wiltex A, Inc., (the "Company") of
its common stock ($.001 par value), the undersigned holder warrants, covenants
and agrees for the benefit of the Company not to sell, offer to sell, solicit an
offer to buy, contract to sell, make any short sale, pledge, grant, grant any
option to purchase, or otherwise transfer or dispose of, any shares of common
stock, or any securities convertible into or exercisable or exchangeable for
common stock, owned directly or beneficially by the undersigned or with respect
to which the undersigned has the power of disposition, except in connection with
or following a completed merger or acquisition by the Company and the Company is
no longer classified as a blank check company pursuant to Section 7 (b) (3) of
the Securities Act of 1933, as amended.

An attempt to sell, transfer or any type of disposition of the shares shall be a
violation of this Agreement and shall be ineffective and null and void.

In furtherance of the foregoing, the holder agrees to: (1) deliver its shares to
the Company for safe keeping; (2) allow the Company to advise its Transfer Agent
not to transfer said securities and (3) authorize the Company to deliver a copy
of this Agreement to the Transfer Agent with instructions to decline to make any
transfer of securities if such transfer would constitute a violation or breach
of this Agreement.

This Agreement shall be binding upon the holder, its agents, heirs, successors,
assignees and beneficiaries.

A waiver of the terms and conditions of this agreement must be in writing and
executed by the proper officer of the Company and the holder.

<PAGE>
If there is a breach or threatened breach of this Agreement, the holder agrees
that there is no adequate remedy at law and said breach will cause irreparable
damage. Accordingly, the holder agrees that the Company is entitled to the
issuance of an immediate injunction without notice to restrain the breach or
threatened breach. This remedy is not exclusive and the holder agrees that the
Company and third party beneficiaries shall be entitled to seek other remedies
including a claim for other remedies, including money damages.

THE HOLDER

/s/ Patricia Anne Dickerson            Constituting 10,000 shares (certificates)<PAGE>
                                                                    EXHIBIT 10.3

                                 WILTEX A, INC.
                            1191 Woodstock, Suite #5
                           Estes Park, Colorado 80517

May 15, 2002

Charles Michael Jones

Re: Lock-Up Agreement with Wiltex A, Inc.

Mr. Jones:

In consideration of the sale to the holder by Wiltex A, Inc., (the "Company") of
its common stock ($.001 par value), the undersigned holder warrants, covenants
and agrees for the benefit of the Company not to sell, offer to sell, solicit an
offer to buy, contract to sell, make any short sale, pledge, grant, grant any
option to purchase, or otherwise transfer or dispose of, any shares of common
stock, or any securities convertible into or exercisable or exchangeable for
common stock, owned directly or beneficially by the undersigned or with respect
to which the undersigned has the power of disposition, except in connection with
or following a completed merger or acquisition by the Company and the Company is
no longer classified as a blank check company pursuant to Section 7 (b) (3) of
the Securities Act of 1933, as amended.

An attempt to sell, transfer or any type of disposition of the shares shall be a
violation of this Agreement and shall be ineffective and null and void.

In furtherance of the foregoing, the holder agrees to: (1) deliver its shares to
the Company for safe keeping; (2) allow the Company to advise its Transfer Agent
not to transfer said securities and (3) authorize the Company to deliver a copy
of this Agreement to the Transfer Agent with instructions to decline to make any
transfer of securities if such transfer would constitute a violation or breach
of this Agreement.

This Agreement shall be binding upon the holder, its agents, heirs, successors,
assignees and beneficiaries.

A waiver of the terms and conditions of this agreement must be in writing and
executed by the proper officer of the Company and the holder.

<PAGE>
If there is a breach or threatened breach of this Agreement, the holder agrees
that there is no adequate remedy at law and said breach will cause irreparable
damage. Accordingly, the holder agrees that the Company is entitled to the
issuance of an immediate injunction without notice to restrain the breach or
threatened breach. This remedy is not exclusive and the holder agrees that the
Company and third party beneficiaries shall be entitled to seek other remedies
including a claim for other remedies, including money damages.

THE HOLDER

/s/ Charles Michael Jones              Constituting 30,000 shares (certificates)<PAGE>
                                                                    EXHIBIT 10.1

                                 PROMISSORY NOTE

$70,000,000                                                  February 15, 2002

         FOR VALUE RECEIVED, Cobalt Corporation, a Wisconsin corporation
("Cobalt") hereby promises to pay to the order of Blue Cross & Blue Shield
United of Wisconsin, a Wisconsin stock insurance corporation ("BCBSUW"), on the
maturity date, the principal sum of Seventy Million Dollars ($70,000,000),
together with interest on the unpaid principal balance at an annual rate equal
to 7.38% (the "Note Rate"). This Note will mature and become due and payable on
January 2, 2003 (the "Maturity Date"). Interest is computed for the actual
number of days principal is unpaid on the basis of a 360-day year.

         This Note is a continuation, and not a novation, of an existing
obligation. This Note replaces and supersedes that certain Promissory Note which
had a maturity date of February 15, 2002, which was issued in replacement of
that certain Promissory Note which had a maturity date of January 1, 2002, which
in turn was issued in replacement of that certain Promissory Note which had a
maturity date of April 30, 2001.

         Cobalt shall pay BCBSUW interest due hereunder on a quarterly basis on
the last business day of each calendar quarter and shall make a final payment of
unpaid principal and interest due on the Maturity Date. All payments of
principal and interest shall be made in lawful money of the United States of
America to BCBSUW at its offices at 401 West Michigan Street, Milwaukee, WI
53203 or at such other place as BCBSUW may designate to Cobalt in writing.
Presentment, notice of protest, demand and notice of dishonor of this Note are
waived.

         All or any portion of the outstanding principal balance of this Note
may be prepaid at any time without penalty or premium.

         This Note is secured by a Pledge Agreement of even date from Cobalt to
BCBSUW. In the event that Cobalt fails to make any payment under this Note when
due, or in the event of the occurrence of an Event of Default described in the
Pledge Agreement securing this Note, then, in any or all such events, BCBSUW may
declare the entire balance of principal and accrued interest under this Note to
be immediately due and payable. In the event that Cobalt (i) becomes insolvent
or admits, by action or inaction, its inability to pay its debts as they become
due, or (ii) makes an assignment for the benefit of creditors, or (iii) becomes
the subject of any order for relief under the United States Bankruptcy Code or
the subject of any state insolvency or similar proceeding, then the entire
unpaid principal of, and accrued interest on, this Note shall become
automatically due and payable. Cobalt hereby agrees to pay all reasonable fees
and expenses incurred both before and after any judgment by BCBSUW or any
subsequent holder in connection with the protection and enforcement of the
rights of BCBSUW or any subsequent holder under this Note (including, without
limitation, reasonable attorneys' fees and legal expenses and all other expenses
of collecting any amounts due under this Note and protecting and enforcing the
rights of BCBSUW and any subsequent holder in any bankruptcy, reorganization or
insolvency proceeding involving Cobalt) until BCBSUW is paid in full.

         This Note shall be governed by and construed in accordance with the
laws of the State of Wisconsin.

                                    COBALT CORPORATION
(CORPORATE SEAL)

                                    By:    /s/  Thomas R. Hefty
                                           -------------------------------------
                                    Title: Chief Executive Officer and President
                                           -------------------------------------

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