PROVIDENT AMERICAN CORPORATION& HEALTHAXIS. COM, INC.

COMMERCIAL LEASE AGREEMENT

This Commercial Lease Agreement made and entered into as of this 1st day of December, 1999 between PROVIDENT AMERICAN CORPORATION, a Pennsylvania corporation ("Lessor"), and HEALTHAXIS. COM INC., a Pennsylvania Corporation ("Lessee").

For and in consideration of the rents, mutual covenants and agreements herein set forth, the parties hereby agree as follows:

1. EFFECTIVE DATE.

The effective date of this Lease shall be December 1, 1999 (the "Effective Date").

2. DEMISED PREMISES.

Lessor does hereby lease to Lessee, and Lessee does hereby lease from Lessor, for the term and upon the conditions hereinafter provided, approximately forty-one thousand square feet (41,000 sq. ft.) of office building and cottage located at 2500 DeKalb Pike, Norris town, Pennsylvania 19404, comprising approximately six (6) acres of land, the legal description of which is described on Exhibit "A" attached hereto (the "Demised Premises").

3. TERM.

Subject to and upon the terms and conditions set forth herein, or in any exhibit or addendum hereto, this Lease Agreement shall continue in force for a term of three (3) years beginning on the first (1st) day of December, 1999 and ending on the thirtieth (30th) day of November, 2003.

4. USE.

Lessee shall actively use and occupy the Demised Premises only as offices and uses directly related thereto, and without the prior written consent of Lessor, the Demised Premises will not be used for any other purpose. Lessee will not use or occupy the Demised Premises for any unlawful purpose, administrative, civil or criminal, and will comply with all applicable present and future laws, ordinances, regulations, and orders of any governmental authority having jurisdiction over the Demised Premises. Lessee shall observe and comply with the reasonable rules and regulations promulgated by Lessor from time to time. Such Rules and Regulations shall apply to Lessee and its employees, agents, licensees, invitees, subtenants and contractors.

5. RENTAL.

(a) Base Rental: Lessee shall pay an annual rent of$738,000 per year (41,000 sq. ft@$18.00 p sf), the rent for which shall be divided in equal monthly payments of$61,500, all rent payable in advance on or before the first day of each calendar month during the term of this Lease Agreement. Rent for any portion of a month shall be prorated on a daily basis. Rent shall commence as of the date of this Lease Agreement. Lessee shall pay the rent by check to Lessor at the address Lessor shall from time to time specify, and such rents hall be paid without demand and without deduction, set-off, or counterclaim. If Lessor shall at any time or times accept the rent after it shall become due and payable, such acceptance shall not excuse delay upon subsequent occasions, or constitute, or be construed as, a waiver of any or all of Lessor's rights hereunder.

(b) Right to Cure: If any payment required to be made hereunder is not paid within fifteen (15) days from the date on which it is due and payable, Lessee shall pay to the Lessor a late charge of five (5%) percent of the amount of any such late payment. Lessor agrees not to exercise any rights and remedies hereunder in respect of a default in the payment of any money due hereunder until thirty (30) days after the date the same shall be due, or sixty (60) days in the event that default involved an event other than the payment of money.

6. POSSESSION.

Possession of the Demised Premises is to be delivered to Lessee in an "as is" condition, on the Effective Date.

7. LESSEE'S IMPROVEMENTS.

Lessee agrees to indemnify and hold Lessor free, clear and harmless from and against any liability, damages, claims or demands of any kind whatsoever arising out of the purchase, installation or use of the equipment and materials purchased and installed by Lessee on the Demised Premises, including reasonable attorneys' fees.

8. ASSIGNMENT AND SUBLETTING.

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