Document:

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                                                                   EXHIBIT 10.21

                         RESTRICTIVE COVENANT AGREEMENT

I, L. Edward Shaw, Jr., as an executive of Aetna Inc. and one or more of its
subsidiaries and affiliates (collectively, the "Company"), in consideration for
the compensation arrangements outlined in the letter dated April 28, 1999 from
Richard L. Huber, and other good and sufficient consideration, and acknowledging
the Company's reliance upon my commitments and obligations herein, hereby agree
as follows:

1.   I covenant and agree that for so long as I am employed with the Company and
     for a period of one year after my resignation, the termination of my
     employment with the Company or my negotiated departure from employment with
     the Company, I shall not become associated, whether as a principal,
     partner, employee, consultant or shareholder (other than as a holder of not
     in excess of 1% of the outstanding voting shares of any publicly traded
     company), with any entity that is actively engaged in any geographic area
     in any business which is in substantial and direct competition with the
     business or businesses of the Company for which I provided substantial
     services or for which I had substantial responsibility within the previous
     24 months, provided that nothing in this paragraph shall preclude me from
     performing services solely and exclusively for a division or subsidiary of
     such entity that is engaged in a non-competitive business. Notwithstanding
     the foregoing, this Paragraph 1 shall not be enforceable in any manner that
     would be in violation of the rules contained in the Code of Professional
     Responsibility or the Rules of Professional Conduct with respect to
     services as a lawyer.

2.   Notwithstanding the foregoing, in the event my employment is terminated by
     the Company under circumstances entitling me to either salary continuance
     or severance payments by the Company, Paragraph 1 shall not apply.

3.   I covenant and agree that during my employment and for a period of two
     years after my employment with the Company has been terminated for any
     reason, whether with or without cause and whether voluntarily or
     involuntarily, I shall not attempt, directly or indirectly, (i) to induce
     any employee, insurance agent, broker dealer, financial planner, registered
     principal or representative, health care provider, or other supplier of the
     Company, or any subsidiary or any affiliate thereof to be employed or
     perform services elsewhere; (ii) to induce any insurance agent or agency,
     broker-dealer, financial planner, registered principal or representative,
     health care provider, or other supplier of the Company, or any subsidiary
     or affiliate thereof to cease or curtail providing services to the Company,
     or any subsidiary or affiliate thereof; and (iii) to solicit, on behalf of
     any person or entity other than the Company or any of its subsidiaries or
     affiliates, the trade of any individual or entity which, at the time of the
     solicitation, is a customer of the Company, or any subsidiary or affiliate
     thereof, or which the Company, or any subsidiary or affiliate thereof is
     undertaking reasonable steps to procure as a customer at the time of or
     immediately preceding termination of employment; provided, however, that
     this limitation in (iii) shall only apply to any product or service which
     is in competition with a product or service of the Company or any
     subsidiary or affiliate thereof.
<PAGE>   2
4.   I acknowledge and agree that, during the course of my employment with the
     Company, I will learn and have access to the Company's trade secrets,
     confidential information, and proprietary materials which may include but
     is not limited to methods, procedures, computer programs, databases,
     customer lists and identities, provider lists and identities, employee
     lists and identities, processes, premium and other pricing information,
     research, payment rates, methodologies, contractual forms, and other
     information which is not publicly available generally and which has been
     developed or acquired by the Company with considerable effort and expense.
     I covenant and agree to hold all of the foregoing trade secrets,
     confidential information and proprietary materials in the strictest
     confidence and shall not disclose, divulge or reveal the same to any person
     or entity during the term of my employment with the Company or at any time
     thereafter.

5.   I understand that either I or the Company may terminate our employment
     relationship at any time, with or without cause. Upon such termination, I
     shall immediately return to the Company all Company property,
     documentation, trade secrets, confidential information and proprietary
     materials in my possession, custody or control, and shall return any copies
     thereof. After termination of my employment with the Company, I further
     agree to cooperate reasonably with all matters requested by the Company
     within the scope of my employment with the Company. The Company agrees and
     acknowledges that it shall, to the maximum extent possible under the then
     prevailing circumstances, coordinate, or cause a subsidiary or affiliate
     thereof to coordinate any such request with my other commitments and
     responsibilities to minimize the degree to which such request interferes
     with such commitments and responsibilities and agrees that it will
     reimburse me for reasonable travel expenses (i.e., travel, meals and
     lodging) that I may incur in providing assistance to the Company hereunder.

6.   The purpose of this Agreement, among other things, is to protect the
     Company from unfair or inappropriate competition and to protect its trade
     secrets and confidential information. I agree that if the scope of
     enforcement of this Agreement is ever disputed, a court or other trier of
     fact may modify and enforce it to the extent it believes is lawful and
     appropriate.

7.   I acknowledge that compliance with this agreement is necessary to protect
     the business and good will of the Company and that any actual or
     prospective breach will irreparably cause damage to the Company for which
     money damages may not be adequate. I therefore agree that if I breach or
     attempt to breach this Agreement, the Company shall be entitled to obtain
     temporary, preliminary and permanent equitable relief, without bond, to
     prevent irreparable harm or injury, and to money damages, together with any
     and all other remedies available under applicable law. I understand that I
     shall be liable to pay the Company's reasonable attorneys' fees and costs
     in any successful action to enforce this agreement. I further agree that a
     temporary restraining order and preliminary injunction can be obtained
     without personal service on me if I cannot be located at the last address I
     have provided to the Company. I acknowledge that in the event my employment
     with the Company terminates, I will still be able to earn a livelihood
     without violating this agreement.
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8.   This Agreement shall be construed in accordance with the laws of
     Connecticut. The Company does not intent to enforce the restrictions in
     Paragraph 1 above to the extent (a) such enforcement would violate
     applicable law or (b) the restrictions are invalid or void under applicable
     law.

9.   This Agreement constitutes the entire understanding and agreement between
     the parties with respect to the subject matter hereof, and no verbal or
     other statements, inducements or representations have been made or relied
     upon by any party. No modifications or change hereby shall be binding upon
     any party unless in writing executed by all parties.

10.  I acknowledge that the Company is relying upon my foregoing commitments and
     obligations in revealing trade secrets and confidential information to me
     and in making salary, bonus and/or any other payments to me.

IN WITNESS WHEREOF, the parties, intending to be legally bound, state that they
understand this agreement, enter into it freely, and have duly executed it
below.

Executed by:                                     Accepted by:
EXECUTIVE                                        AETNA INC.

  /s/  L. Edward Shaw, Jr.              By: /s/ Richard L. Huber
----------------------------------         -------------------------------------
[Name] L. Edward Shaw, Jr.

4/28/99                                 4/30/99
----------------------------------      ----------------------------------------
(Date)                                  (Date)<PAGE>   1
                                                                   EXHIBIT 10.22
                              [AETNA LETTERHEAD]

                                                 INTEROFFICE COMMUNICATION

                                                 ELEASE E. WRIGHT
                                                 Senior Vice President
                                                 Corporate Human Resources, RC3A
                                                 (860) 273-8371
                                                 Fax:  (860) 560-8721

To            Alan J. Weber

Date          September 6, 2000

Subject       Special Severance Arrangements

This memorandum is to outline severance arrangements for you. The severance
benefits described below replace paragraphs 11 and 12 of the Company's letter
agreement with you dated June 11, 1998. Notwithstanding the provisions in this
memorandum, you remain an employee-at-will of Aetna Inc. or one of its
subsidiaries or affiliates ("the Company") and the Company may terminate your
employment at any time with or without cause or notice.

In the event that a Change in Control (as defined below) occurs and during the
two year period following such Change in Control (i) your employment is
involuntarily terminated by the Company for any reason other than gross
misconduct in the performance of your duties, or (ii) you terminate your
employment for any reason (other than in circumstances of gross misconduct in
the performance of your duties) subsequent to the later of April 1, 2001 or the
close of the calendar quarter ending subsequent to the Change in Control, you
will be entitled to 156 weeks continuation of your cash compensation (calculated
for these purposes at 200% of your base salary) in lieu of any severance or
salary continuation benefit to which you may otherwise have been entitled and
without any duplication of benefits upon delivery to the Company of a release of
any employment-related claims in the Company's customary form. For these
purposes, a Change in Control is described in Attachment A and incorporated
herein. In addition, all sign-on stock option awards and sign-on restricted
stock awards not previously vested will vest effective on the date of
termination.

In consideration of the foregoing, you agree that you will be subject to the
Company's Change in Control Excise Tax Policy for Selected Officers (the
"Policy"). You have received a memorandum describing the Policy and understand
and agree that application of this Policy may cause a reduction in the amount
payable to you hereunder and/or a cancellation or delay in the vesting of awards
you have received or may receive under the Company's compensation plans and
programs (e.g., stock options, ACEShares, etc.) (collectively, the "Compensation
Plans"). The terms of the Policy are incorporated herein by reference and shall
have the effect of amending any contrary terms of this agreement, any
Compensation Plan and any agreement under any Compensation Plan.

During the period you receive severance payments under either of the
arrangements described above, you will be eligible for the same employee
benefits, if any, as are provided under the severance plan or program in which
you otherwise would have been eligible to participate but for this special
arrangement.
<PAGE>   2
Page 2
Alan J. Weber
September 6, 2000

Upon the consummation of the Agreement and Plan of Restructuring and Merger
among ING America Insurance Holdings, Inc., Aetna Inc., et. al. dated as of July
19, 2000, all undertakings by the Company hereunder shall be obligations of
Aetna U.S. Healthcare, Inc. and its subsidiaries and you shall have no right to
bring any claim or action against ING America Insurance Holdings, Inc. or any of
its subsidiaries or affiliates.

Please signify your receipt and agreement to the foregoing by signing and
returning a copy of this memorandum to me.

Aetna Inc.                                        Agreed:

By:        /s/ Elease E. Wright                        /s/ Alan J. Weber
      ------------------------------              ------------------------------
                                                           Alan J. Weber

                                                  Date:        9/6/2000
                                                          ----------------------

Att:  1 (Definition of Change in Control)

Enc:  1 (Excise Tax Policy for Selected Officers)
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                                                                    ATTACHMENT A

"Change in Control" means the happening of any of the following:

       (i) When any "person" as defined in Section 3(a)(9) of the Securities
Exchange Act of 1934, as amended (the "Exchange Act") and as used in Sections
13(d) and 14(d) thereof, including a "group" as defined in Section 13(d) of the
Exchange Act but excluding Aetna Inc. (the "Company") and any subsidiary thereof
and any employee benefit plan sponsored or maintained by the Company or any
subsidiary (including any trustee of such plan acting as trustee), directly or
indirectly, becomes the "beneficial owner" (as defined in Rule 13d-3 under the
Exchange Act, as amended from time to time), of securities of the Company
representing 20 percent or more of the combined voting power of the Company's
then outstanding securities;

       (ii) When, during any period of 24 consecutive months, the individuals
who, at the beginning of such period, constitute the Company's Board of
Directors (the "Incumbent Directors") cease for any reason other than death to
constitute at least a majority thereof, provided that a director who was not a
director at the beginning of such 24-month period shall be deemed to have
satisfied such 24-month requirement (and be an Incumbent Director) if such
director was elected by, or on the recommendation of or with the approval of, at
least two-thirds of the directors who then qualified as Incumbent Directors
either actually (because they were directors at the beginning of such 24-month
period) or by prior operation of this Paragraph (ii); or

       (iii) The occurrence of a transaction requiring stockholder approval for
the acquisition of the Company by an entity other than the Company or a
subsidiary through purchase of assets, or by merger, or otherwise.
<PAGE>   4
                                                                     ENCLOSURE 1

                                      INTEROFFICE COMMUNICATION

                                      JAMES H. GOULD
                                      Vice President
                                      Compensation, Benefits & HR Services, RW2A
                                      (860) 273-8588
                                      Fax:  (860) 273-2030

To:       Alan J. Weber

Date:     September 6, 2000

Subject:  Change in Control Excise Tax Policy for Selected Officers

Pursuant to the memorandum agreement (the "Agreement") provided to you by Aetna
Inc. (together with any successor, "Aetna") as of the date hereof setting forth
your severance protection in the event of a change in control, you have agreed
that you will be subject to the Aetna Change in Control Excise Tax Policy for
Selected Officers. This memorandum sets forth the terms of that policy as it
applies to you.

1.   Initial Determinations by Accounting Firm.

     In the event that a change in "the ownership or effective control" of Aetna
     or "the ownership of a substantial portion of the assets" of Aetna (a
     "Change in Ownership") occurs or is expected to occur (in either case
     within the meaning of Section 280G of the Internal Revenue Code of 1986, as
     amended (the "Code")), Aetna shall retain a national accounting firm
     selected by Aetna and reasonably acceptable to you (the "Accounting Firm")
     to perform the calculations necessary under this memorandum. The Accounting
     Firm shall have discretion to retain an independent appraiser with adequate
     expertise (the "Appraiser") to provide any valuations necessary for the
     Accounting Firm's calculations hereunder. Aetna shall pay all the fees and
     costs associated with the work performed by the Accounting Firm and any
     Appraiser retained by the Accounting Firm. If the Accounting Firm has
     performed services for any person, entity or group in connection with the
     Change in Ownership, you may select an alternative national accounting firm
     to be the Accounting Firm. If the Appraiser otherwise performs work for any
     of the entities involved in the Change in Ownership or their affiliates (or
     has performed work for any such entity within the three years preceding the
     calculations hereunder), then you may select an alternative appraiser of
     national stature with adequate expertise to be the Appraiser. The
     Accounting Firm shall provide promptly to both Aetna and you a written
     report setting forth the calculations required under this memorandum,
     together with a detail of all relevant supportive data, valuations and
     calculations. All determinations of the Accounting Firm shall be binding on
     you and Aetna. When making the calculations required hereunder, you shall
     be deemed to pay:

-    Federal income taxes at the highest applicable marginal rate of Federal
     income taxation for the taxable year for which any such calculation is
     made, and

-    any applicable state and local income taxes at the highest applicable
     marginal rate of taxation for the taxable year for which any such
     calculation is made, net of the maximum reduction in Federal income taxes
     which could be obtained from deduction of such state and local taxes.
<PAGE>   5
     The Accounting Firm shall determine (the "Initial Determination"):

     (i)  the aggregate amount of all payments, benefits and distributions
          provided by Aetna to you or for your benefit, whether paid or payable
          or distributed or distributable pursuant to the terms of the Agreement
          or any other agreement, plan or arrangement of Aetna or otherwise
          (other than any payment pursuant to this memorandum) which are in the
          nature of compensation and contingent upon a Change in Ownership
          (valued pursuant to Section 280G of the Code) (collectively the
          "Payments"); and

     (ii) the maximum amount of the Payments you would be entitled to receive
          without being subject to the excise tax imposed by Section 4999 of the
          Code (the "Payment Cap") (such excise tax, together with any interest
          or penalties with respect to such excise tax, are hereinafter
          collectively referred to as the "Excise Tax").

2.   Initial Treatment of Payments.

     (a)  If the amount of the Payments does not exceed the Payment Cap, you
          shall be entitled to receive the full amount of the Payments.

     (b)  If the amount of the Payments exceeds the Payment Cap by less than 10%
          of the Payment Cap amount, then, notwithstanding anything to the
          contrary, the amount of the Payments payable to you shall be reduced
          to the amount of the Payment Cap. In the event that the Payments are
          subject to reduction hereunder, you shall have the right to designate
          which of the Payments will be reduced or eliminated.

     (c)  If the amount of the Payments exceeds the Payment Cap by more than 10%
          of the Payment Cap amount, then the amount of the Payments you are
          entitled to receive shall not be reduced and Aetna shall pay to you an
          additional payment (a "Gross-Up Payment") in an amount such that after
          payment by you of all taxes (including any interest and penalties
          imposed with respect to such taxes), including any Excise Tax, imposed
          upon the Gross-Up Payment you retain an amount of the Gross-Up Payment
          equal to the Excise Tax imposed upon the Payments. All determinations
          required to be made as to whether a Gross-Up Payment is required and
          the amount of such Gross-Up Payment shall be made by the Accounting
          Firm.

3.   Redeterminations Based on IRS or Court Ruling.

     If after the date of the Initial Determination (A) you become entitled to
     receive additional Payments (including, without limitation, severance)
     contingent upon the same Change in Ownership, or (B) you become subject to
     the terms of any final binding agreement between you and the Internal
     Revenue Service or any decision of a court of competent jurisdiction which
     is not appealable or for which the time to appeal has lapsed (a "Final
     Determination") and which is contrary to the Initial Determination, then
     based upon such additional Payments or such Final Determination (as the
     case may be), the Accounting Firm shall recalculate:

     (i)  the aggregate Payments (such recalculated amount, the "Redetermined
          Payments"); and
<PAGE>   6
     (ii) the maximum amount of the Redetermined Payments you would be entitled
          to receive without being subject to the excise tax imposed by Section
          4999 of the Code (the "Redetermined Payment Cap") (such excise tax,
          together with any interest or penalties with respect to such excise
          tax, are hereinafter referred to as the "Redetermined Excise Tax").

4.   Reconciliations Based on Redeterminations.

     (a)  If the Redetermined Payment Cap is greater than the Payment Cap (and
          your Payments were reduced pursuant to paragraph 2(b)), then Aetna
          shall promptly pay you the amount by which the Redetermined Payments
          Cap exceeds the Payment Cap, together with interest on such difference
          at the applicable Federal rate (as defined in Section 1274(d) of the
          Code) (the "Federal Rate") from the original Payment due date to the
          date of actual payment of the difference by Aetna.

     (b)  If the aggregate value of the Redetermined Payments exceeds the
          Redetermined Payment Cap by less than 10%, then, notwithstanding
          anything to the contrary, the amount of the Redetermined Payments that
          you are entitled to receive and retain shall be reduced to the amount
          of the Redetermined Payment Cap. In the event that the Redetermined
          Payments are subject to reduction under this paragraph and any such
          portion of the Redetermined Payments have no yet been paid to you, you
          shall have the right to designate which portion of such unpaid
          Redetermined Payments should be reduced or eliminated. If you have
          previously received any Payments in excess of the Redetermined Payment
          Cap, such excess Payments shall be deemed for all purposes to be a
          loan to you made on the date of receipt of such excess Payments, which
          you shall have an obligation to repay to Aetna on demand, together
          with interest on such amount at the applicable Federal rate (as
          defined in Section 1274(d) of the Code) from the date of your receipt
          of such excess Payments to the date of repayment by you.
          Notwithstanding the foregoing, if any portion of such excess Payments
          which is to be refunded to Aetna has been paid to any Federal, state
          or local tax authority, repayment thereof shall not be required until
          actual refund or credit of such portion has been made to you, and
          interest payable to Aetna shall not exceed interest received or
          credited to you by such tax authority for the period it held such
          portion. In addition, if, pursuant to a Final Determination, any such
          excess Payments are not deemed a loan and as a result you are subject
          to Redetermined Excise Tax, then you shall be treated as if the
          aggregate value of the Redetermined Payments exceeds the Redetermined
          Payment Cap by more than 10% under paragraph 3(c) and you shall be
          entitled to the Supplemental Gross-Up Payment, subject to all the
          attendant conditions set forth below.

     (c)  If the aggregate value of the Redetermined Payments exceeds the
          Redetermined Payment Cap by more than 10%, then the amount of the
          Redetermined Payments you are entitled to receive and retain shall not
          be reduced and Aetna shall pay to you an additional payment (a
          "Supplemental Gross-Up Payment") in an amount such that after payment
          by you of all taxes (including any interest and penalties imposed with
          respect to such taxes), including any Redetermined Excise Tax, imposed
          on the Supplemental Gross-Up Payment you retain an amount of the
          Supplemental Gross-Up Payment; provided that if you have previously
          received a Gross-Up Payment, the amount of the Supplemental Gross-Up
          Payment shall be reduced by the amount of the Gross-Up Payment you
          previously received, so that you will be
<PAGE>   7
         fully reimbursed, but will not receive duplicative reimbursements. If,
         however, the Excise Tax exceeds the Redetermined Excise Tax, the excess
         Gross-Up Payment that has been paid to you shall be deemed for all
         purposes to be a loan to you made on the date of receipt of such excess
         Gross-Up Payment, which you shall have an obligation to repay to Aetna
         on demand, together with interest on such amount at the applicable
         Federal rate (as defined in Section 1274(d) of the Code) from the date
         of your receipt of such excess Gross-Up Payment to the date of
         repayment by you. Notwithstanding the foregoing, in the event any
         portion of the Gross-Up Payment to be refunded to Aetna has been paid
         to any Federal, state or local tax authority, repayment thereof shall
         not be required until actual refund or credit of such portion has been
         made to you, and interest payable to Aetna shall not exceed interest
         received or credited to you by such tax authority for the period it
         held such portion. You and Aetna shall mutually agree upon the course
         of action to be pursued (and the method of allocating the expenses
         thereof) if your good faith claim for refund or credit is denied.

5.   Procedures With Respect to IRS Claims.

     You shall notify Aetna in writing of any claim by the Internal Revenue
     Service relating to any unpaid excise tax applicable to the Payments. Such
     notification shall be given as soon as practicable but no later than twenty
     business days after you know of such claim and shall apprise Aetna of the
     nature of such claim, any assessment under such claim and the date on which
     such assessment is requested to be paid. You shall not pay such claim prior
     to the expiration of the thirty day period following the date on which you
     give such notice to Aetna (or such shorter period ending on the date that
     any payment of taxes with respect to such claim is due). If Aetna notifies
     you in writing prior to the expiration of such period that it desires to
     contest such claim, you shall:

     (a)  give Aetna any information reasonably requested by Aetna relating to
          such claim,

     (b)  take such action in connection with contesting such claim as Aetna
          shall reasonably request in writing from time to time including,
          without limitation, accepting legal representation with respect to
          such claim by an attorney reasonably selected by Aetna,

     (c)  cooperate with Aetna in good faith in order effectively to contest
          such claim, and

     (d)  permit Aetna to participate in any proceedings relating to such claim;

     provided, however, that Aetna shall bear and pay directly all costs and
     expenses (including additional interest and penalties) incurred in
     connection with such contest and shall indemnify and hold you harmless, on
     an after-tax basis, for any Excise Tax, Redetermined Excise Tax or income
     tax, including interest and penalties with respect thereto, imposed as a
     result of such representation and payment of costs and expenses. Without
     limitation on the foregoing, Aetna shall control all proceedings taken in
     connection with such contest and, at its sole option, may pursue or forego
     any and all administrative appeals, proceedings, hearings and conferences
     with the taxing authority in respect of such claim and may, at its sole
     option, either direct you to pay the tax claimed and sue for a refund or
     contest the claim in any permissible manner, and you agree to prosecute
     such contest to a determination before any administrative tribunal, in a
     court
<PAGE>   8
     of initial jurisdiction and in one or more appellate courts, as Aetna shall
     determine; provided, however, that if Aetna directs you to pay such claim
     and sue for a refund, Aetna shall advance the amount of such payment to
     you, on an interest-free basis, and shall indemnify and hold you harmless,
     on an after-tax basis, from any Excise Tax, Redetermined Excise Tax or
     income tax, including interest and penalties with respect thereto, imposed
     with respect to such advance or with respect to any imputed income with
     respect to such advance; and further provided that any extension of the
     statute of limitations relating to payment of taxes for the taxable year of
     you with respect to which such contested amount is claimed to be due is
     limited solely to such contested amount. Furthermore, Aetna's control of
     the contest shall be limited to issues with respect to which a Gross-Up
     Payment would be payable hereunder and you shall be entitled to settle or
     contest, as the case may be, any other issue raised by the Internal Revenue
     Service or any other taxing authority.

     If after the receipt by you of an amount advanced by Aetna pursuant to the
     foregoing, you become entitled to receive any refund with respect to such
     claim, you shall (subject to Aetna's complying with the requirements of
     above with respect to any contestation of an excise tax claim) promptly pay
     to Aetna the amount of such refund (together with any interest paid or
     credited thereon by the taxing authority after deducting any taxes
     applicable thereto). If, after the receipt by you of an amount advanced by
     Aetna hereunder, a determination is made that you shall not be entitled to
     any refund with respect to such claim and Aetna does not notify you in
     writing of its intent to contest such denial of refund prior to the
     expiration of thirty days after such determination, then such advance shall
     be forgiven and shall not be required to be repaid and the amount of such
     advance shall offset, to the extent thereof, the amount of the Supplemental
     Gross-Up Payment required to be paid hereunder. The forgiveness of such
     advance shall be considered part of the Supplemental Gross-Up Payment and
     subject to gross-up for any taxes (including interest or penalties)
     associated therewith.

     Upon the consummation of the Agreement and Plan of Restructuring and Merger
     among ING America Insurance Holdings, Inc., Aetna Inc., et. al. dated as of
     July 19, 2000, all undertakings by the Company hereunder shall be
     obligations of Aetna U.S. Healthcare, Inc. and its subsidiaries and you
     shall have no right to bring any claim or action against ING America
     Insurance Holdings, Inc. or any of its subsidiaries or affiliates.

     The terms of this document shall not be amended, modified or curtailed
     without your written consent.

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