Document:

<PAGE>   1
                                                                    EXHIBIT 4(e)

                           AMENDMENT NO. 1 dated as of December 1, 2000 (this
                  "AMENDMENT"), to the AMENDED AND RESTATED FIVE YEAR CREDIT
                  AGREEMENT dated as of January 3, 2000 (the "CREDIT
                  AGREEMENT"), among THE SHERWIN-WILLIAMS COMPANY (the
                  "COMPANY"), the Lenders referred to therein and THE CHASE
                  MANHATTAN BANK, as Administrative Agent and Competitive
                  Advance Facility Agent.

                  The Company has requested that certain terms of the Credit
Agreement be amended, and the Lenders are willing, on the terms and subject to
the conditions set forth herein, to agree to amend the Credit Agreement.

                  Accordingly, in consideration of the mutual agreements herein
contained and other good and valuable consideration, the sufficiency and receipt
of which are hereby acknowledged, the parties hereto agree as set forth below.
Capitalized terms used but not defined herein shall have the meanings assigned
to them in the Credit Agreement.

                  SECTION 1. AMENDMENTS TO THE CREDIT AGREEMENT. (a) The Credit
Agreement is hereby amended to add Citicorp USA, Inc. (the "NEW LENDER") as a
"Lender" under the Credit Agreement, with an initial Commitment of $40,000,000.
After giving effect to this Amendment, the Commitments of all Lenders (other
than the New Lender) will remain the same as before giving effect to this
Amendment, and each Lender's Commitment and percentage of the aggregate
Commitments will be as set forth on Schedule 1 hereto.

                  (b) Article X of the Credit Agreement is hereby amended by
inserting the following new section at the end thereof:

                  "SECTION 10.16. SHARING OF PAYMENTS, ETC. If any Lender shall
         obtain any payment (whether voluntary, involuntary, through the
         exercise of any right of set-off, or otherwise) on account of the
         Revolving Credit Loans or Term Loans owing to it (other than pursuant
         to Article III) in excess of its ratable share of payments on account
         of the Revolving Credit Loans or Term Loans (as the case may be)
         obtained by all the Lenders, such Lender shall forthwith purchase from
         the other Lenders such participations in the Revolving Credit Loans or
         Term Loans owing to them as shall be necessary to cause such purchasing
         Lender to share the excess payment ratably with each of them; provided,
         however, that if all or any portion of such excess payment is
         thereafter recovered from such purchasing Lender, such purchase from
         each Lender shall be rescinded and such Lender shall repay to the
         purchasing Lender the purchase price to the extent of such recovery
         together with an amount equal to such Lender's ratable share (according
         to the proportion of (i) the amount of such Lender's required repayment
         to (ii) the total amount so recovered from the purchasing Lender) of
         any interest or other amount paid or payable by the purchasing Lender
         in respect of the total amount so recovered. The Company agrees that
         any Lender so purchasing a participation from another Lender pursuant
         to this Section may, to the fullest extent permitted by law, exercise
         all its rights of payment (including any right of set-off) with respect
         to such

<PAGE>   2

         participation as fully as if such Lender were the direct creditor of
         the Company in the amount of such participation."

                  SECTION 2. REPRESENTATIONS AND WARRANTIES. To induce the other
parties hereto to enter into this Amendment, the Company represents and warrants
to each of the Lenders and the Administrative Agent that:

                  (a) This Amendment has been duly authorized, executed and
         delivered by the Company, and each of this Amendment and the Credit
         Agreement, after giving effect to this Amendment, constitutes the
         legal, valid and binding obligation of the Company enforceable in
         accordance with its terms (subject to applicable bankruptcy,
         reorganization, insolvency, moratorium and similar laws affecting the
         enforcement of creditors' rights generally and subject to general
         principles of equity, regardless of whether considered in a proceeding
         in equity or at law).

                  (b) The representations and warranties contained in Article IV
         of the Credit Agreement, after giving effect to this Amendment, are
         true and correct on and as of the date hereof, except to the extent
         that such representations and warranties expressly relate to an earlier
         date.

                  (c) No Possible Default or Event of Default has occurred and
         is continuing or would result from the execution and delivery of this
         Amendment.

                  SECTION 3. EFFECTIVENESS. This Amendment shall become
effective as of the date set forth above (the "AMENDMENT EFFECTIVE DATE") on the
date that the Administrative Agent or its counsel shall have received
counterparts of this Amendment that, when taken together, bear the signatures of
the Company, the New Lender and the Lenders.

                  SECTION 4. LIMITED EFFECT OF AMENDMENT. Except as expressly
set forth herein, this Amendment shall not by implication or otherwise limit,
impair, constitute a waiver of, or otherwise affect the rights and remedies of
the Lenders or the Administrative Agent under the Credit Agreement, and shall
not alter, modify, amend or in any way affect any of the terms, conditions,
obligations, covenants or agreements contained in the Credit Agreement, which is
ratified and affirmed in all respects and shall continue in full force and
effect. Nothing herein shall be deemed to entitle the Company to a consent to,
or a waiver, amendment, modification or other change of, any of the terms,
conditions, obligations, covenants or agreements contained in the Credit
Agreement in similar or different circumstances. This Amendment shall apply and
be effective only with respect to the provisions of the Credit Agreement
specifically referred to herein. After the date hereof, any reference to the
Credit Agreement shall mean the Credit Agreement, as modified hereby.

                  SECTION 5. COUNTERPARTS. This Amendment may be executed in any
number of counterparts and by different parties hereto in separate counterparts,
each of which when so executed and delivered shall be deemed an original, but
all such counterparts together shall constitute but one and the same contract.
Delivery of an executed counterpart of a signature page of this Amendment by
facsimile transmission shall be as effective as delivery of a manually executed
counterpart hereof.

<PAGE>   3

                  SECTION 6. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY,
AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF OHIO.

                  SECTION 7. HEADINGS. The headings of this Amendment are for
purposes of reference only and shall not limit or otherwise affect the meaning
hereof.

                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed by their respective authorized officers as of the
day and year first above written.

THE SHERWIN-WILLIAMS COMPANY,

by                         /S/
         ----------------------------------
         Name:
         Title:

by                         /S/
         ----------------------------------
         Name:
         Title:

THE CHASE MANHATTAN BANK, individually, and as Administrative Agent and
Competitive Advance Facility Agent,

by                         /S/
         ----------------------------------
         Name:
         Title:

<PAGE>   4

Citicorp USA, Inc. hereby agrees to each of the terms and conditions of the
Credit Agreement, a copy of which has been delivered by the Company to Citicorp
USA, Inc.

AMOUNT OF COMMITMENT:               CITICORP USA, INC.,
--------------------
$40,000,000.00

                                                 by             /S/
                                                     ---------------------------
                                                     Name:
                                                     Title:

<PAGE>   5

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  BANK ONE, NA

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   6

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  THE BANK OF NEW YORK

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   7

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  WACHOVIA BANK OF GEORGIA, N.A.

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   8

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  MELLON BANK, N.A.

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   9

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  FIFTH THIRD BANK

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   10

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  SUNTRUST BANK

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   11

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  ABN AMRO BANK N.V.

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   12

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  THE BANK OF NOVA SCOTIA

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   13

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  BANCA COMMERCIALE ITALIANA
                      CHICAGO BRANCH

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   14

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  FLEET NATIONAL BANK

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   15

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  NATIONAL CITY BANK

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   16

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  BANK OF AMERICA, N.A.

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   17

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  FIRST UNION NATIONAL BANK

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   18

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  KEY BANK NATIONAL ASSOCIATION

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   19

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  WELLS FARGO BANK, NATIONAL ASSOCIATION

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   20

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  PNC BANK NATIONAL ASSOCIATION

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   21

                                    SIGNATURE PAGE TO AMENDMENT NO. 1 DATED AS
                                    OF DECEMBER 1, 2000, TO THE SHERWIN-WILLIAMS
                                    COMPANY AMENDED AND RESTATED FIVE YEAR
                                    CREDIT AGREEMENT DATED AS OF JANUARY 3, 2000

NAME OF INSTITUTION:  ROYAL BANK OF CANADA

                                    by               /S/
                                        ---------------------------------
                                        Name:
                                        Title:

<PAGE>   22

                                                      Five Year Credit Agreement
                                                                      Schedule 1
<TABLE>
<CAPTION>

LENDER                                               % OF COMMITMENTS      COMMITMENT        TERMINATION
------                                               ----------------      ----------        -----------
<S>                                                     <C>              <C>                       <C>
The Chase Manhattan Bank                                  6.27%            $40,000,000       January 3, 2006
ABN AMRO Bank N.V.                                        6.27%            $40,000,000       January 3, 2006
Fleet National Bank                                       3.01%            $19,200,000       January 3, 2005
National City Bank                                        6.27%            $40,000,000       January 3, 2006
Wells Fargo Bank, N.A.                                    6.27%            $40,000,000       January 3, 2005
PNC Bank, National Association                            4.76%            $30,400,000       January 3, 2003
Wachovia Bank of Georgia, N.A.                            4.76%            $30,400,000       January 3, 2005
SunTrust Bank, Atlanta                                    6.27%            $40,000,000       January 3, 2006
Banca Commerciale Italiana Chicago Branch                 3.01%            $19,200,000       January 3, 2006
The Bank of New York                                      6.27%            $40,000,000       January 3, 2006
Bank One, N.A.                                            6.27%            $40,000,000       January 3, 2006
The Bank of Nova Scotia                                   3.01%            $19,200,000       January 3, 2006
Bank of America                                           6.27%            $40,000,000       January 3, 2006
Keybank National Association                              6.27%            $40,000,000       January 3, 2005
First Union National Bank                                 6.27%            $40,000,000       January 3, 2006
Mellon Bank, N.A.                                         4.76%            $30,400,000       January 3, 2005
Royal Bank of Canada                                      4.76%            $30,400,000       January 3, 2005
Fifth Third Bank                                          3.01%            $19,200,000       January 3, 2006
Citicorp USA, Inc.                                        6.27%            $40,000,000       January 3, 2006
                                                        -------           ------------
Total                                                   100.00%           $638,400,000
</TABLE>EX-10(C) TRW Executive Health Care Plan

Exhibit 10(c)

Executive

Health

Care

Plan

EHCP 6/6/00

 

TRW Executive Health Care Plan (EHCP)

	 	 	 	 	 	 
	Table of Contents	Introduction			1	
	
	
	
	

		Who Is Eligible			1	
	
	
	
	

		Contributions			1	
	
	
	
	

		Eligible Dependents			1	
	
	
	
	

		Comprehensive Health Care Expense Benefits			2	
	
	
	
	

		Covered Health Care Expenses			2	
	
	
	
	

		Examples of Health Care Expenses Covered by the Plan			3	
	
	
	
	

		Examples of Health Care Expenses to be Approved in Advance			3	
	
	
	
	

		Examples of Health Care Expenses Not Covered by the Plan			4	
	
	
	
	

		Definitions			5	
	
	
	
	

		Payment of Claims and Recordkeeping			6	
	
	
	
	

		Coordination of Benefits Provision			6	
	
	
	
	

		Reimbursement From a Third Party			7	
	
	
	
	

		When Your Health Care Coverage Terminates			7	
	
	
	
	

		After Health Care Coverage Terminates			7	
	
	
	
	

		Continuation of Coverage—COBRA			8	
	
	
	
	

		Cost of COBRA Coverage			8	
	
	
	
	

		Duration of COBRA Coverage			8	
	
	
	
	

		TRW RetireeSelect Plan			8	
	
	
	
	

		Additional Information			9	
	
	
	
	

		Plan Administration			9	
	
	
	
	

		Employee Rights			10	
	
	
	
	

		Appendix			11	

 

TRW Executive Health Care Plan (EHCP)

Introduction

The TRW Executive Health Care Plan (“Plan”) is a plan that provides payment for
a wide range of health care expenses.

To encourage good health, the Plan covers the expenses for preventive care,
such as physical examinations. You are required to complete a management
health physical every 15 months if you are age 50 or older or every 24 months
if you are under age 50. A simplified claim reimbursement procedure is also a
major feature of the Plan.

TRW reserves the right to modify or terminate the Plan at its discretion at any
time.

The elections you make when enrolled must remain in effect until the end of the
plan year (calendar year), unless you have an eligible change in life status.
Even then, the only changes allowed are those consistent with your change in
life status or as required to add a dependent as a result of a Qualified
Medical Child Support Order. Please see allowable life status changes listed
in the ChoicePlus Employee Benefits Book applicable to your unit.

Who Is Eligible

You are eligible for the benefits of the Plan as of the date you have been
designated as a member of the Special Executive Group by the Chief Executive
Office. Your eligible dependents will be covered on the date your coverage
begins or the date he or she becomes a dependent, or is first enrolled,
whichever is latest. Your eligibility for benefits from any other TRW medical,
dental or vision plan will cease when you become a member of this Plan.

Contributions

All participants are required to contribute to the cost of the Plan. Your
contribution will be determined by TRW and will be based on the number of
dependents you elect to include in the Plan. IRS regulations require that your
contribution be made on an “after-tax” basis. The amount of the contribution
will be reviewed annually.

Eligible Dependents

Dependents eligible for benefits are:

	•	 	your legal spouse;
	 
	•	 	your unmarried child up to age 19 or age 25, if a full-time student
(If the dependent is on an internship through the school and is not
over age 25, the employee may continue to cover the dependent through
the end of the internship or age 25.);
	 
	•	 	your child regardless of age if incapable of self-sustaining
employment, because of mental or physical disability.

The term “child” also includes your legally adopted child or one placed with
you for adoption, foster child, stepchild, or any other child living with you
in a regular parent-child relationship. To qualify as a dependent for purposes
of the Plan, each child must also qualify as a “Dependent” under Section 152(a)
of the Internal Revenue Code. Where this summary of the Plan refers to a
dependent below, it means a person who is eligible to be and has been enrolled
in the Plan.

Dependents not enrolled when first eligible may be added in accordance with the
Life Status Change Rules described in the “Life Status Change” section of the
ChoicePlus Employee Benefits Book.

Page 1

TRW Executive Health Care Plan (EHCP)

Comprehensive Health Care Expense Benefits

Full reimbursement will be made for covered medical, dental and vision expenses
incurred by you or your eligible dependents while covered by the Plan.

Reimbursement will be made regardless of where the expenses are
incurred—whether in or out of the
hospital—as long as they are incurred in connection with health care (see
“Definitions” page 5). Except as described in the section entitled “After
Health Care Coverage Terminates” (page 7), all expenses must be incurred while
you or your dependents are covered by the Plan.

An expense or charge will be deemed incurred as of the date the service is
rendered or the supply is furnished.

Services rendered after the termination of coverage will not be paid.

Covered Health Care Expenses

Covered Health Care Expenses are the reasonable charges incurred in connection
with the medical, dental, and vision care of you or your eligible dependent,
and must be those which would qualify as a tax deduction. Covered Health Care
Expenses, therefore, are those that are Reasonably Necessary and if not
reimbursed, could be deducted by you (or you and your spouse in a joint return)
when computing your taxable income under Section 213 of the Internal Revenue
Code. The provision of Section 213 which limits deductible expenses to an
amount measured against adjusted gross income does not apply.

Covered Health Care Expenses include, but are not limited to, the following
expenses for services and supplies:

	•	 	Room, board, and other medical services and supplies furnished by a
hospital or other institution qualified to provide medical care.
	 
	•	 	Services of any legally qualified doctor of medicine (M.D.), doctor of
osteopathy (D.O.), doctor of podiatry (D.P.M.), doctor of chiropracty
(D.C.), doctor of optometry (O.D.), doctor of chiropody (D.P.M. — D.S.
C.), dentist (D.D.S. or D.M.D.), Christian Science practitioner listed
in the Christian Science Journal (C.S.), registered nurse (R.N.),
licensed practical or vocational nurse under the direction of an R.N.
(L.P.N. or L.V.N.), midwife, physician’s assistant certified by the
National Commission on Certification of Physicians’ Assistants (P.A.),
audiologist, occupational therapist, physical therapist, psychologist,
respiratory therapist, social worker, or speech therapist.
	 
	•	 	Necessary transportation to and from an area or facility where the
services or supplies covered hereunder may be obtained, including
transportation by personal automobile.
	 
	•	 	Drugs or medicines prescribed by a physician.
	 
	•	 	Purchase or rental of medical or surgical supplies, aids, and
prosthetic appliances, including eyeglasses, hearing aids, or dental
prosthetic appliances.
	 
	•	 	Examples of health care expenses that must be approved in advance are
shown on page 3. Examples of health care expenses covered and not
covered are shown on pages 3 and 4.

Page 2

TRW Executive Health Care Plan (EHCP)

Examples of Health Care Expenses Covered by the Plan

	 	 	 	 	 	 	 	 	 	 	 
	•		Ambulance Services		•		Nursing Services
									–		Licensed Vocational Nurses
	•		Diagnostic & Preventative Services				–		Practical Nurses
			–		Allergy & Dermatology Tests				–		Registered Nurses
			–		Immunization & Inoculations
			–		Physical Examinations		•		Physical Therapy
			–		X-ray & Laboratory Examinations				
							•		Professional Services
	•		Drugs & Supplies				–		Chiropodists
			–		Crutches				–		Chiropractors
			–		Eyeglasses				–		Christian Science Practitioners
			–		Hearing Aids				–		Dentists
			–		Hospital Beds				–		Optometrists
			–		Prescription Drugs				–		Osteopaths
			–		Prostheses				–		Physicians
			–		Wheelchairs				–		Podiatrists
									–		Psychiatrists
	•		Hospital Services				–		Psychologists
			–		Emergency Care
			–		Inpatient Care
			–		Outpatient Care

Examples of Health Care Expenses to be Approved in Advance

Since reimbursement is made only when the expense is both reasonable and tax
deductible, you should request approval from The Aetna U.S. HealthCare
(904.351.4702) for any unusual expense prior to the date it is incurred. Some
examples of expenses that must be approved in advance are:

	 	 	 	 	 
	•		Charges made by suppliers other than:
	
	
	
	

			–		licensed medical practitioners,
	
	
	
	

			–		licensed medical care institutions, or
	
	
	
	

			–		providers of medically-related services and supplies.
	
	
	
	

	•		Charges representing, in whole or in part, expenses of a capital nature.
	
	
	
	

	•		Charges for medically necessary cosmetic procedures, including surgery.
	
	
	
	

	•		Charges which appear to have been made for purely custodial care.
	
	
	
	

	•		Charges for the use of scheduled airline and any other transportation expense except:
	
	
	
	

			–		Those representing reimbursement for the reasonable use of a personal auto at the prevailing rate per mile, as defined by the IRS for medical transportation.
	
	
	
	

			–		Those representing the actual cost of any mode of necessary emergency transportation.
	
	
	
	

	•		Meals and lodging not furnished by a hospital or similar institution as a necessary incident to medical care.
	
	
	
	

	•		Dental implants.

Page 3

TRW Executive Health Care Plan (EHCP)

Examples of Health Care Expenses Not Covered by the Plan

	•	 	Non-prescription drugs.
	 
	•	 	Antiseptic diaper service.
	 
	•	 	Bottled distilled water.
	 
	•	 	Care of a normal and healthy baby by a nurse.
	 
	•	 	Cosmetic surgery, similar procedures and related expenses unless necessary to correct a birth defect, an accidental injury
or trauma, or a disease. This includes non-surgical medical or dental procedures that are primarily directed at improving
bodily function rather than preventing/treating illness or disease.
	 
	•	 	Domestic help.
	 
	•	 	Funeral and burial expenses.
	 
	•	 	Health club dues.
	 
	•	 	Insurance premiums for hospitalization and medical care (including contact lens insurance).
	 
	•	 	Social activities, such as dancing lessons, swimming lessons, etc., for the general improvement of health, even though
recommended by a doctor.
	 
	•	 	Trips and services for the general improvement of health, or to visit a sick or injured family member unless the traveler
is an integral part of the treatment.
	 
	•	 	Vitamins for general health (vitamins prescribed for a specific condition are covered).
	 
	•	 	Personal and household expenses such as electric bills or cosmetics (including hypoallergenic cosmetics) and toiletries.
	 
	•	 	Tuition or room and board expenses for day camps or schools with a primary focus on education rather than licensed medical
care.
	 
	•	 	Expenses associated with work-related injuries, which are covered under Workers’ Compensation.

Page 4

TRW Executive Health Care Plan (EHCP)

Definitions

Cosmetic Surgery

A procedure done to improve a patient’s appearance and not to promote the
body’s proper function or to prevent or treat a disease.

Health Care

The diagnosis, cure, mitigation, treatment or prevention of disease, or
treatment affecting any structure or function of the body due to defect,
illness or accidental bodily injury, or care during and following pregnancy,
including treatment of any condition arising therefrom.

Internal Revenue Code

Chapter 1 of Subtitle A of Title 26 of the United States Code of 1986, as
currently constituted and as it may be later amended.

Plan

The TRW Executive Health Care Plan (“Plan”) is a plan, which provides payment
for a wide range of health care expenses. As used in this booklet, the term
Plan refers to the “TRW Executive Health Care Plan.”

Reasonable Charge

An amount determined by the frequency, duration, and cost of services and
supplies as compared with those customarily incurred for similarly situated
individuals.

Reasonably Necessary

The service or supply must be ordered by a physician and must be commonly and
customarily recognized throughout the physician’s profession as appropriate in
the treatment of the patient’s diagnosed sickness or injury. The service or
supply must not be educational or experimental in nature, nor provided
primarily for the purpose of medical or other research. In addition, in the
case of hospital confinement on an inpatient basis, the length of confinement
and hospital services and supplies will be considered “Reasonably Necessary”
only to the extent that they are determined by The Aetna U.S. HealthCare to be
(a) related to the treatment of the condition involved and (b) not allocable to
scholastic education or vocational training of the patient.

Total Disability
	1.	 	Your complete inability to perform every duty pertaining to your
occupation or employment.
	2.	 	Your dependent’s complete inability to perform the normal activities of a
person of similar age and sex.

Page 5

TRW Executive Health Care Plan (EHCP)

Payment of Claims and Recordkeeping

The Plan will reimburse you for covered expenses promptly after receipt of your
claim. The Plan is designed to reimburse participants directly for covered
expenses. You may wish to authorize payment directly to the provider in the
case of significant expense such as in the case of hospital confinement.
Benefits should not be assigned for other than a significant expense.

Participants should file a claim for reimbursement by the Plan of any expenses
resulting from an annual physical. Examinations may be performed by any
physician selected by the participant, who is located within a reasonable
distance of the participant’s home. The procedures for claiming reimbursement
for the expense of the examination are the same as for any other expenses.

You may claim reimbursement of any Covered Health Care Expense simply by
completing a “Claim Expense Form,” attaching a copy of either your bill or
receipt, and sending it to your Plan representative (as indicated in your
enrollment package issued to all members when first eligible for the Plan) or
if on direct claim processing, submit it directly to The Aetna U.S. HealthCare.
If more convenient, however, you may use an itemized statement to claim
reimbursement and not complete the Claim Expense Form. Itemized statements
must include the following information:

	•	 	Name and social security number of patient.
	•	 	Nature of illness or injury.
	•	 	Name, address, and tax identification number of the doctor, hospital, or supplier.
	•	 	Date of charge.
	•	 	Amount of charge.

Cancelled checks or balance due bills are not acceptable as proof of loss.

A claim for reimbursement must be made within two years after incurring the
expense. In the case of minor expenses, it may be helpful for you to record
them on the Claim Expense Form at the time they are incurred, and file for
reimbursement when you feel a sufficient amount has been accumulated. A
separate Claim Expense Form must be submitted for each individual family member
for whom a claim is filed; therefore, records of medical expenses incurred for
yourself and each of your dependents should be kept separately.

Coordination of Benefits Provision

The purpose of health care coverage is to reimburse participants for health
care expenses that they have incurred. In line with that purpose, our Plan
contains a provision for coordinating with other group plans under which an
employee or dependent is covered so that the total benefits available do not
exceed 100 percent of the allowable expenses.

When there is coverage by two or more group plans for health care treatment for
an employee and/or dependent, the insurance companies involved work together to
arrive at a payment of up to 100 percent of the allowable expenses, but no
more. If any of your dependents are employed and have other coverage, that
coverage is considered primary. In this case, the individual should submit the
claim/bill to his/her primary insurance carrier first. Once the individual
receives an explanation of benefits (EOB) from the primary insurance carrier
and if there is a balance owing, he/she can then submit a copy of the original
bill and the EOB from the primary insurance carrier to the secondary payer (The
Aetna U.S. HealthCare). Alternately, if he/she has received a statement from
the provider (doctor/dentist, etc.) which shows the amount the primary
insurance carrier has paid and a balance owed by the patient, he/she can submit
this document alone to The Aetna U.S. HealthCare for payment. No other
documentation is needed in this situation in order for The Aetna U.S.
HealthCare to pay as secondary payer.

Page 6

TRW Executive Health Care Plan (EHCP)

Reimbursement From a Third Party

If a covered person receives Plan benefits to which that person is not entitled
under the Plan (because a third party is responsible), the covered person will
be charged for the amount of such benefits that have been paid by this Plan.

When someone other than the covered person is responsible for a sickness or
injury, the covered person must, in return for the Plan’s providing benefits
for that sickness or injury, reimburse the Plan immediately upon receipt of any
payments or damages with respect to that sickness or injury.

Examples include payments received through a lawsuit, a settlement, or from any
third party or his or her insurer (including no-fault insurance). The
employee’s agreement to reimburse the Plan will apply regardless of whether the
responsible party admits liability or the payments are itemized.

When Your Health Care Coverage Terminates

Your coverage under the Plan will terminate, unless otherwise agreed in
writing, at the earliest time stated below:

	1.	 	The end of the month next following the month in which your employment
terminates;
	 
	2.	 	the end of the month coinciding with the month in which your retirement
from active employment is effective;
	 
	3.	 	the date you cease to be a member of the Special Executive Group, or;
	 
	4.	 	the date the Plan is discontinued or modified.

In addition to the above, coverage terminates with respect to an individual
dependent when he/she ceases to meet the eligibility requirements of the Plan
(i.e., a child who reaches the age limit or a spouse who becomes divorced from
you). However, coverage will not terminate until the end of the third month
following the month in which a dependent attains the applicable age limitation
or the divorce is effective.

In the event of your death while covered by the Plan, coverage for your
dependents will be continued for a period of twelve months following the end of
the month in which death occurs.

After Health Care Coverage Terminates

Reimbursement will not be made for expenses which are incurred after coverage
terminates unless they are incurred with respect to an injury or illness,
including pregnancy, that cause you or your dependent to be continuously and
totally disabled from such termination date. Only those expenses incurred
relating to a continuous and total disability during the calendar year in which
coverage terminates and the next calendar year shall be reimbursed, unless such
expenses are reimbursed under any other group insurance policy or plan.

Page 7

TRW Executive Health Care Plan (EHCP)

Continuation of Coverage—COBRA

Under the provisions of the Consolidated Omnibus Budget Reconciliation Act
(COBRA), you or your dependents are eligible to continue coverage, at your
expense, but only if that coverage ends as the result of one of the following
“qualifying events.”

	1.	 	Termination of employment for any reason (except gross misconduct);
reduction in hours, layoff or retirement;
	 
	2.	 	Death of the employee;
	 
	3.	 	Divorce or legal separation;
	 
	4.	 	Loss of dependent status by a dependent child due to attainment of the
maximum age limitation under the Plan, or cessation of full-time
schooling.

Cost of COBRA Coverage

Coverage may be continued at the same rates applicable to active employees,
with an administration charge of two percent. You are required to pay the full
cost of the coverage.

Duration of COBRA Coverage

If your active employee coverage would cease because of retirement, termination
of employment, layoff, leave of absence, or reduction in your work hours, you
or your dependents may elect to continue the existing coverage for up to 18
months from the date of the qualifying event (or up to 29 months if disabled).
For all other qualifying events, you or your dependents may elect to continue
coverage for up to 36 months.

However, COBRA coverage will not continue beyond the date that the earliest of
the following occurs:

	1.	 	Failure to pay the required premiums.
	 
	2.	 	Entitlement to Medicare.
	 
	3.	 	Coverage under another employer-sponsored health plan that does not
contain pre-existing condition exclusions applicable to the COBRA
participant.
	 
	4.	 	Any payment of COBRA costs by the company will not extend the applicable
18 or 36 month period.

If your dependent loses coverage as a result of a divorce or loss of dependent
status, it is your or your dependent’s responsibility to advise TRW within 60
days of the later of the qualifying event or the date of loss of coverage, if
you wish to continue coverage.

Any questions regarding the COBRA eligibility and coverage provisions should be
directed to the TRW Benefits Service Center at 1-800-859-4567.

TRW RetireeSelect Plan

If your coverage is ceasing due to your retirement, you may be entitled to
enroll in TRW’s RetireeSelect Plan (RSP). At retirement, you may elect only
one option—RSP or COBRA.

Page 8

TRW Executive Health Care Plan (EHCP)

Additional Information

In providing this Plan to employees, certain legal requirements must be met.
You must be fully informed of the benefits being provided and your rights
regarding these benefits under the Employee Retirement Income Security Act of
1974. ERISA was signed into law to provide additional protection for employees
covered under any benefit plan. Your rights, as specified by law, are
described on page 11.

Plan Administration
	1.	 	Name, Address, and Telephone Number of Employer Whose Employees are
Covered by the Plan:
	 	 	TRW Inc.
	 	 	1900 Richmond Road
	 	 	Cleveland, OH 44124
	 	 	Phone No.: 216.291.7000
	 
	2.	 	Plan Administrator:
	 	 	TRW Inc.
	 	 	1900 Richmond Road
	 	 	Cleveland, OH 44124
	 	 	Phone No.: 216.291.7435
	 
	3.	 	Source of Contributions to the Plan:
	 	 	Employer and employee contributions.
	 
	4.	 	Plan Year:
	 	 	Plan Year ends on each December 31.
	 
	5.	 	The Agent for Service of Legal Process:
	 	 	Secretary
	 	 	TRW Inc.
	 	 	1900 Richmond Road
	 	 	Cleveland, OH 44124
	 
	6.	 	Type of Administration of the Plan:
	 	 	The Plan is insured by The Prudential HealthCare, a member company of Aetna
U.S. HealthCare.
	 
	7.	 	Plan Numbers:
	 	 	The Plan is on file with the Department of Labor under TRW’s Employer
Identification Number
34-0575430.
	 
	 	 	The Plan number is 705.
	 	 	The Aetna U.S. HealthCare control number is 39400.
	 
	8.	 	Claims Notice of Decision:
	 	 	The Aetna U.S. HealthCare will provide notice of decision on a wholly or
partially denied claim to the participant no later than 90 days after receipt
of the claim by the Plan, unless special circumstances require an extension.
If an extension is required, written notice of the extension shall be
provided before the end of the initial 90-day period, and the extension
itself shall not exceed 90 days from the end of the initial period. A denial
notice should also give the specific reason for the denial, a specific
reference to pertinent Plan provisions, a description of any additional
material necessary to perfect the claim, and information on steps to be taken
to appeal the denial.

Page 9

TRW Executive Health Care Plan (EHCP)

Plan Administration cont’d

	9.	 	Appeals Process:
	 	 	If you are denied a claim, you can request a review of your claim, review
pertinent documents, and submit issues and comments in writing to The Aetna
U.S. HealthCare, P.O. Box 45012, Jacksonville, FL 32232-5012 within 60 days
of the initial denial of your claim. The Aetna U.S. HealthCare will review
the appeal no later than 60 days after its receipt, unless special
circumstances require an extension, in which case a decision shall be
rendered no later than 120 days after receipt of the request for review. The
participant will be notified if an extension of time is needed.
	 
	10.	 	Plan Termination:
	 	 	TRW reserves the rights to terminate, suspend, withdraw, or amend the Plan in
whole or in part at any time.

Employee Rights

As a participant in this benefit Plan at TRW Inc., you are entitled to:

	•	 	Examine, without charge, at the Plan Administrator’s office all Plan
documents filed for the Plan with the U. S. Department of Labor, such
as annual reports and Plan descriptions and all insurance contracts.
	•	 	Obtain copies of all Plan documents and other Plan information upon
written request to the Plan Administrator. The Administrator may make
a reasonable charge for the copies.
	•	 	Receive a summary of the Plan’s annual financial report. The Plan
Administrator is required by law to furnish each participant with a
copy of this summary annual report.

In addition to creating rights for Plan participants, ERISA imposes obligations
upon the persons who are responsible for the operation of the employee benefit
Plan. These persons are referred to as “fiduciaries” in the law. Fiduciaries
must act in the interest of the Plan participants and do so prudently.
Fiduciaries who violate ERISA may be removed and required to make good any
losses they have caused the Plan.

Your employer may not fire you or discriminate against you to prevent you from
obtaining a benefit or exercising your rights under ERISA.

If you are improperly denied a benefit in full or in part, you have a right to
file suit in a federal or state court. You may also file suit in federal court
if any Plan documents or any other materials to which you are entitled are not
received within 30 days of your written request, and the court may require the
Plan Administrator to pay up to $100 for each day’s delay until the materials
are received, unless the failure was beyond the control of the Plan
Administrator.

If Plan fiduciaries are misusing the Plan’s money, or if you are discriminated
against for asserting your rights, you have the right to file suit in a federal
court or request assistance from the U.S. Department of Labor. The court will
decide who should pay court costs and legal fees. If you are successful in
your lawsuit, the court may, if it so decides, require the other party to pay
your legal costs, including attorney’s fees. If you lose, the court may order
you to pay these costs and fees, for example, if it finds your claim is
frivolous.

If you have any questions about this statement or your rights under ERISA, you
should contact the Plan Administrator or the nearest Area Office of the U.S.
Labor-Management Service Administration, Department of Labor.

Page 10

TRW Executive Health Care Plan (EHCP)

	 	 	 	 	 	 	 
	Appendix
	 
	Covered Expenses						Benefit
	
						

	Hospital			
Charges by a hospital for
medical services on an
inpatient or outpatient
basis, including room and
board, operating room,
intensive care, tests,
therapy, medication, and
drugs dispensed for
inpatient care, and other
services. Covered
services include medical
care and diagnostic
services.
			100% of eligible charges
	 
	Surgery			
Charges by a physician
for performing surgery on
an inpatient or
outpatient basis.
Services include the
surgeon, assistant
surgeon,
anesthesiologist,
anesthetist and other
professional personnel
supporting the surgical
procedure.
			100% of eligible charges
	 
	Prescription Drugs			
Drugs requiring a
prescription. Insulin is
also covered.
			100% of eligible charges
	 
	Major Medical			
Charges for medical care
and diagnostic services
and equipment. Included
are physician services,
routine medical
examinations, nursing
services, rental of
wheelchairs or other
needed medical equipment
(or purchase where
appropriate), tests,
therapy, and other
professional health care
services.
			100% of eligible charges
	 
	Dental			
Charges for dental
services and supplies.
Included are dentists,
dental hygienists,
prosthodontics, oral
surgery, and others.
			100% of eligible charges
	 
	Vision			
Charges for vision
services and supplies.
Included are optometrists
and professional eye care
supplies.
			100% of eligible charges

Page 11

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