Document:

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                                                                    Exhibit 4.01

                  This Note is a Global Security within the meaning of the
Indenture hereinafter referred to and is registered in the name of the
Depository named below or a nominee of the Depository. This Note is not
exchangeable for Notes registered in the name of a Person other than the
Depository or its nominee except in the limited circumstances described herein
and in the Indenture, and no transfer of this Note (other than a transfer of
this Note as a whole by the Depository to a nominee of the Depository or by a
nominee of the Depository to the Depository or another nominee of the
Depository) may be registered except in the limited circumstances described
herein.

                  Unless this certificate is presented by an authorized
representative of The Depository Trust Company, a New York corporation (the
"Depository"), to the Company or its agent for registration of transfer,
exchange, or payment, and any certificate issued is registered in the name of
Cede & Co. or in such other name as is requested by an authorized representative
of the Depository (and any payment is made to Cede & Co. or to such other entity
as is requested by an authorized representative of the Depository), ANY
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL inasmuch as the registered owner hereof, Cede & Co., has an interest
herein.

                                 CITIGROUP INC.
                        3.500% NOTES DUE FEBRUARY 1, 2008
REGISTERED                                                            REGISTERED

                                                            CUSIP: 172967 BS 9
                                                          ISIN: US172967 BS 96
                                                        Common Code: 016211222

No. R-                                                                       $

                  CITIGROUP INC., a Delaware corporation (the "Company", which
term includes any successor Person under the Indenture), for value received,
hereby promises to pay to Cede & Co., or registered assigns, the principal sum
of $____________ on February 1, 2008 and to pay interest thereon from and
including January 31, 2003 or from the most recent Interest Payment Date to
which interest has been paid or duly provided for, semi-annually, on February 1
and August 1 of each year, commencing August 1, 2003, at the rate of 3.500% per
annum, until the principal hereof is paid or made available for payment. The
interest so payable, and punctually paid or duly provided for, on any Interest
Payment Date will, as provided in the Indenture, be paid to the Person in whose
name this Note is registered at the close of business on the Record Date for
such interest, which shall be the January 15 and July 15 (whether or not a
Business Day) immediately preceding such Interest Payment Date.

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                  Any such interest not so punctually paid or duly provided for
will forthwith cease to be payable to the holder on such Record Date and may
either be paid to the Person in whose name this Note is registered at the close
of business on a subsequent Record Date, such subsequent Record Date to be not
less than five days prior to the date of payment of such defaulted interest,
notice whereof shall be given to holders of Notes of this series not less than
15 days prior to such subsequent Record Date, or be paid at any time in any
other lawful manner not inconsistent with the requirements of any securities
exchange on which the Notes of this series may be listed, and upon such notice
as may be required by such exchange, all as more fully provided in the
Indenture.

                  Interest hereon will be calculated on the basis of a 360-day
year comprised of twelve 30-day months.

                  If either an Interest Payment Date or the Maturity of the
Notes falls on a day that is not a Business Day, such Interest Payment Date or
Maturity will be the next succeeding Business Day. If a date for payment of
interest or principal on the Notes falls on a day that is not a business day in
the place of payment, such payment will be made on the next succeeding business
day in such place of payment as if made on the date the payment was due. No
interest will accrue on any amounts payable for the period from and after the
due date for payment of such principal or interest.

                  For these purposes, "Business Day" means any day which is a
day on which commercial banks settle payments and are open for general business
in The City of New York.

                  Payment of the principal of and interest on this Note will be
made at the office or agency of the Trustee maintained for that purpose in The
City of New York.

                  Reference is hereby made to the further provisions of this
Note set forth on the reverse hereof, which further provisions shall for all
purposes have the same effect as if set forth at this place.

                  Unless the certificate of authentication hereon has been
executed by the Trustee or by an authenticating agent on behalf of the Trustee
by manual signature, this Note shall not be entitled to any benefit under the
Indenture or be valid or obligatory for any purpose.

                                       2

<PAGE>

                  IN WITNESS WHEREOF, the Company has caused this instrument to
be duly executed under its corporate seal.

Dated: March 21, 2003

                          CITIGROUP INC.

                          By: _________________________________
                          Title: Treasurer

ATTEST:

By: ___________________________
Title: Assistant Secretary

                                       3

<PAGE>

                  This is one of the Notes of the series issued under the
within-mentioned Indenture.

Dated: March 21, 2003

                                    THE BANK OF NEW YORK,
                                    as Trustee

                                    By: _________________________________
                                        Name:
                                        Title:

                                    -or-

                                    CITIBANK, N.A.,
                                    as Authenticating Agent

                                    By: _________________________________
                                        Name:
                                        Title:

                                       4

<PAGE>

         This Note is one of a duly authorized issue of Securities of the
Company (the "Notes"), issued and to be issued in one or more series under the
Indenture, dated as of March 15, 1987 (as amended and supplemented to date, the
"Indenture"), between the Company and The Bank of New York, as Trustee (the
"Trustee", which term includes any successor trustee under the Indenture), to
which Indenture and all indentures supplemental thereto reference is hereby made
for a statement of the respective rights, limitations of rights, duties and
immunities thereunder of the Company, the Trustee and the holders of the Notes
and of the terms upon which the Notes are, and are to be, authenticated and
delivered. This Note is one of the series designated on the face hereof,
initially issued in the aggregate principal amount of $2,000,000,000 and
increased to $3,000,000,000.

         If an event of default (as defined in the Indenture) with respect to
Notes of this series shall occur and be continuing, the principal of the Notes
of this series may be declared due and payable in the manner and with the effect
provided in the Indenture.

         The Indenture contains provisions for defeasance at any time of the
entire indebtedness of this Note upon compliance by the Company with certain
conditions set forth in Sections 11.03 and 11.04 thereof, which provisions apply
to this Note.

         The Indenture contains provisions permitting the Company and the
Trustee, without the consent of the holders of the Securities, to establish,
among other things, the form and terms of any series of Securities issuable
thereunder by one or more supplemental indentures, and, with the consent of the
holders of not less than 66 2/3% in aggregate principal amount of Securities at
the time outstanding which are affected thereby, to modify the Indenture or any
supplemental indenture or the rights of the holders of Securities of such series
to be affected, provided that no such modification will (i) extend the fixed
maturity of any Securities, reduce the rate or extend the time of payment of
interest thereon, reduce the principal amount thereof or the premium, if any,
thereon, reduce the amount of the principal of Original Issue Discount
Securities payable on any date, change the currency in which Securities are
payable, or impair the right to institute suit for the enforcement of any such
payment on or after the maturity thereof, without the consent of the holder of
each Security so affected, or (ii) reduce the aforesaid percentage of Securities
of any series the consent of the holders of which is required for any such
modification without the consent of the holders of all Securities of such series
then outstanding, or (iii) modify, without the written consent of the Trustee,
the rights, duties or immunities of the Trustee.

         No reference herein to the Indenture and no provision of this Note or
of the Indenture shall alter or impair the obligation of the Company, which is
absolute and unconditional, to pay the principal of and interest on this Note at
the times, place and rate, and in the coin or currency, herein prescribed.

         This Note is a Global Security registered in the name of a nominee of
the Depository. This Note is exchangeable for Notes registered in the name of a
person other than the Depository or its nominee only in the limited
circumstances hereinafter described. Unless and until it is exchanged in whole
or in part for definitive Notes in certificated form, this Note may not be

                                       5

<PAGE>

transferred except as a whole by the Depository to a nominee of the Depository
or by a nominee of the Depository to the Depository or another nominee of the
Depository.

         The Notes represented by this Global Security are exchangeable for
definitive Notes in certificated form of like tenor as such Notes in
denominations of $1,000 and integral multiples thereof only if (i) the
Depository notifies the Company that it is unwilling or unable to continue as
Depository for the Notes or (ii) the Depository ceases to be a clearing agency
registered under the Securities Exchange Act of 1934, as amended, or (iii) the
Company in its sole discretion decides to allow the Notes to be exchanged for
definitive Notes in registered form. Any Notes that are exchangeable pursuant to
the preceding sentence are exchangeable for certificated Notes issuable in
authorized denominations and registered in such names as the Depository shall
direct. As provided in the Indenture and subject to certain limitations therein
set forth, the transfer of definitive Notes in certificated form is registrable
in the register maintained by the Company in The City of New York for such
purpose, upon surrender of the definitive Note for registration of transfer at
the office or agency of the registrar, duly endorsed by, or accompanied by a
written instrument of transfer in form satisfactory to the Company and the
registrar duly executed by, the holder thereof or his attorney duly authorized
in writing, and thereupon one or more new Notes of this series and of like
tenor, of authorized denominations and for the same aggregate principal amount,
will be issued to the designated transferee or transferees. Subject to the
foregoing, this Note is not exchangeable, except for a Global Security or Global
Securities of this issue of the same principal amount to be registered in the
name of the Depository or its nominee.

         No service charge shall be made for any such registration of transfer
or exchange, but the Company may require payment of a sum sufficient to cover
any tax or other governmental charge payable in connection therewith.

         Prior to due presentment of this Note for registration of transfer, the
Company, the Trustee and any agent of the Company or the Trustee may treat the
Person in whose name this Note is registered as the owner hereof for all
purposes, whether or not this Note be overdue, and neither the Company, the
Trustee nor any such agent shall be affected by notice to the contrary.

         The Company will pay additional amounts ("Additional Amounts") to the
beneficial owner of any Note that is a non-United States person in order to
ensure that every net payment on such Note will not be less, due to payment of
U.S. withholding tax, than the amount then due and payable. For this purpose, a
"net payment" on a Note means a payment by the Company or a paying agent,
including payment of principal and interest, after deduction for any present or
future tax, assessment or other governmental charge of the United States. These
Additional Amounts will constitute additional interest on the Note.

         The Company will not be required to pay Additional Amounts, however, in
any of the circumstances described in items (1) through (13) below.

         (1)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld solely by
                  reason of the beneficial owner:

                                       6

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                  (a)      having a relationship with the United States as a
                           citizen, resident or otherwise;

                  (b)      having had such a relationship in the past or

                  (c)      being considered as having had such a relationship.

         (2)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld solely by
                  reason of the beneficial owner:

                  (a)      being treated as present in or engaged in a trade or
                           business in the United States;

                  (b)      being treated as having been present in or engaged in
                           a trade or business in the United States in the past
                           or

                  (c)      having or having had a permanent establishment in the
                           United States.

         (3)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld solely by
                  reason of the beneficial owner being or having been any of the
                  following (as such terms are defined in the Internal Revenue
                  Code of 1986, as amended):

                  (a)      personal holding company;

                  (b)      foreign personal holding company;

                  (c)      foreign private foundation or other foreign
                           tax-exempt organization;

                  (d)      passive foreign investment company;

                  (e)      controlled foreign corporation or

                  (f)      corporation which has accumulated earnings to avoid
                           United States federal income tax.

         (4)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld solely by
                  reason of the beneficial owner owning or having owned,
                  actually or constructively, 10 percent or more of the total
                  combined voting power of all classes of stock of the Company
                  entitled to vote or by reason of the beneficial owner being a
                  bank that has invested in a Note as an extension of credit in
                  the ordinary course of its trade or business.

For purposes of items (1) through (4) above, "beneficial owner" means a
fiduciary, settlor, beneficiary, member or shareholder of the holder if the
holder is an estate, trust, partnership, limited liability company, corporation
or other entity, or a person holding a power over an estate or trust
administered by a fiduciary holder.

         (5)      Additional Amounts will not be payable to any beneficial owner
                  of a Note that is a:

                                       7

<PAGE>

                  (a)      fiduciary;

                  (b)      partnership;

                  (c)      limited liability company or

                  (d)      other fiscally transparent entity

                  or that is not the sole beneficial owner of the Note, or any
                  portion of the Note. However, this exception to the obligation
                  to pay Additional Amounts will only apply to the extent that a
                  beneficiary or settlor in relation to the fiduciary, or a
                  beneficial owner or member of the partnership, limited
                  liability company or other fiscally transparent entity, would
                  not have been entitled to the payment of an Additional Amount
                  had the beneficiary, settlor, beneficial owner or member
                  received directly its beneficial or distributive share of the
                  payment.

         (6)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld solely by
                  reason of the failure of the beneficial owner or any other
                  person to comply with applicable certification,
                  identification, documentation or other information reporting
                  requirements. This exception to the obligation to pay
                  Additional Amounts will only apply if compliance with such
                  reporting requirements is required by statute or regulation of
                  the United States or by an applicable income tax treaty to
                  which the United States is a party as a precondition to
                  exemption from such tax, assessment or other governmental
                  charge.

         (7)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is collected or imposed by any method
                  other than by withholding from a payment on a Note by the
                  Company or a paying agent.

         (8)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld by reason of a
                  change in law, regulation, or administrative or judicial
                  interpretation that becomes effective more than 15 days after
                  the payment becomes due or is duly provided for, whichever
                  occurs later.

         (9)      Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is imposed or withheld by reason of
                  the presentation by the beneficial owner of a Note for payment
                  more than 30 days after the date on which such payment becomes
                  due or is duly provided for, whichever occurs later.

         (10)     Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any:

                  (a)      estate tax;

                  (b)      inheritance tax;

                                       8

<PAGE>

                  (c)      gift tax;

                  (d)      sales tax;

                  (e)      excise tax;

                  (f)      transfer tax;

                  (g)      wealth tax;

                  (h)      personal property tax or

                  (i)      any similar tax, assessment or other governmental
                           charge.

         (11)     Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment, or other
                  governmental charge required to be withheld by any paying
                  agent from a payment of principal or interest on a Note if
                  such payment can be made without such withholding by any other
                  paying agent.

         (12)     Additional amounts will not be payable if a payment on a Note
                  is reduced as a result of any tax, assessment or other
                  governmental charge that is required to be made pursuant to
                  any European Union directive on the taxation of savings income
                  or any law implementing or complying with, or introduced to
                  conform to, any such directive.

         (13)     Additional Amounts will not be payable if a payment on a Note
                  is reduced as a result of any combination of items (1) through
                  (12) above.

         Except as specifically provided herein, the Company will not be
required to make any payment of any tax, assessment or other governmental charge
imposed by any government or a political subdivision or taxing authority of such
government.

         As used in this Note, "United States person" means:

         (a)      any individual who is a citizen or resident of the United
                  States;

         (b)      any corporation, partnership or other entity created or
                  organized in or under the laws of the United States;

         (c)      any estate if the income of such estate falls within the
                  federal income tax jurisdiction of the United States
                  regardless of the source of such income and

         (d)      any trust if a United States court is able to exercise primary
                  supervision over its administration and one or more United
                  States persons have the authority to control all of the
                  substantial decisions of the trust.

         Additionally, "non-United States person" means a person who is not a
United States person, and "United States" means the United States of America,
including the States and the District of Columbia, but excluding its territories
and its possessions.

         Except as provided below, the Notes may not be redeemed prior to
maturity.

         (1)      The Company may, at its option, redeem the Notes if:

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<PAGE>

                  (a)      the Company becomes or will become obligated to pay
                           Additional Amounts as described above;

                  (b)      the obligation to pay Additional Amounts arises as a
                           result of any change in the laws, regulations or
                           rulings of the United States, or an official position
                           regarding the application or interpretation of such
                           laws, regulations or rulings, which change is
                           announced or becomes effective on or after January
                           24, 2003 and

                  (c)      the Company determines, in its business judgment,
                           that the obligation to pay such Additional Amounts
                           cannot be avoided by the use of reasonable measures
                           available to it, other than substituting the obligor
                           under the Notes or taking any action that would
                           entail a material cost to the Company.

         (2)      The Company may also redeem the Notes, at its option, if:

                  (a)      any act is taken by a taxing authority of the United
                           States on or after January 24, 2003, whether or not
                           such act is taken in relation to the Company or any
                           affiliate, that results in a substantial probability
                           that the Company will or may be required to pay
                           Additional Amounts as described above;

                  (b)      the Company determines, in its business judgment,
                           that the obligation to pay such Additional Amounts
                           cannot be avoided by the use of reasonable measures
                           available to it, other than substituting the obligor
                           under the Notes or taking any action that would
                           entail a material cost to the Company and

                  (c)      the Company receives an opinion of independent
                           counsel to the effect that an act taken by a taxing
                           authority of the United States results in a
                           substantial probability that the Company will or may
                           be required to pay the Additional Amounts described
                           under above, and delivers to the Trustee a
                           certificate, signed by a duly authorized officer,
                           stating that based on such opinion the Company is
                           entitled to redeem the Notes pursuant to their terms.

Any redemption of the Notes as set forth in clauses (1) or (2) above shall be in
whole, and not in part, and will be made at a redemption price equal to 100% of
the principal amount of the Notes Outstanding plus accrued interest thereon to
the date of redemption. Holders shall be given not less than 30 days nor more
than 60 days prior notice by the Trustee of the date fixed for such redemption.

         All terms used in this Note which are defined in the Indenture shall
have the meanings assigned to them in the Indenture. The Notes are governed by
the laws of the State of New York.

                                       10<PAGE>
                                                                    Exhibit 10.4

                            FIRST AMENDMENT TO LEASE

     THIS FIRST AMENDMENT TO LEASE (the "First Amendment") is made and entered
into this 15th day of May, 2001, by and between AETNA INC., a corporation
organized under the laws of the state of Pennsylvania, having a principal
address of 151 Farmington Avenue, Hartford, Connecticut 06156, as Landlord (the
"Landlord") and THE TRAVELERS INDEMNITY COMPANY, a Connecticut corporation,
having a principal address of One Tower Square, Hartford, Connecticut 06183, as
Tenant (the "Tenant").

                                  WITNESSETH:

     WHEREAS, pursuant to a certain lease dated as of March 28, 1996 (hereafter
referred to as the "Lease"), by and between Aetna Life and Casualty Company
("ALC"), and Tenant, Tenant leased from Landlord certain space consisting of
373,015 rentable square feet, situated on floors 2 through 12 inclusive and
floors 16 through 20 inclusive (the "Premises") of the Building known as
CITYPLACE I, located at 185 Asylum Street, Hartford, Connecticut 06103 (the
"Building"); and,

     WHEREAS, on or about July 19, 2000, the interests of ALC in and to the
Lease were transferred to Aetna Inc. ("Original Aetna"), and as a result of the
merger of Original Aetna into Lion Connecticut Holdings, Inc. ("Lion") on or
about December 13, 2000, the interests in and to the Lease were subsequently
held by Lion; and

     WHEREAS, Lion leased the Premises to Aetna U.S. Healthcare Inc. (which,
after the merger described above, changed its name to Aetna Inc.) ("Aetna")
pursuant to that certain Lease dated as of December 13, 2000 (the "Healthcare
Lease"), the term of which is to commence April 1, 2004; and

     WHEREAS, Lion assigned its interest, as sublessor, in the Lease to Aetna,
effective as of April 1, 2004, pursuant to an Assignment by Lion in favor of
Aetna dated as of December 13, 2000, pursuant to which Aetna assumed all of
Lion's rights and obligations with respect to the Lease and which results in the
Lease becoming a sublease from Aetna to Tenant as of April 1, 2004; and

     WHEREAS, pursuant to agreements between Lion and Aetna, Aetna hereby
represents and warrants to Tenant that it has sole right to deal and
communicate with Tenant directly regarding any matter pertaining to the
Premises with respect to the period after March 31, 2004; and

     WHEREAS, the Term of the Lease expires on March 31, 2004; and

     WHEREAS, Landlord and Tenant mutually desire to amend the terms of the
Lease in order to provide for an early extension of the Term of the Lease for a
portion of the rentable area of the Premises, and to provide for such other
related matters, as set forth herein.

     WHEREAS, the changes and modifications, as hereafter set forth, shall be
effective as of April 1, 2004, unless otherwise provided for herein (the
"Effective Date").

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     NOW, THEREFORE, in consideration of the promises and mutual covenants set
forth herein, the parties, intending to be legally bound, hereby agree as
follows:

1. PREMISES. For purposes hereof, a portion of the Premises, consisting of
   approximately 255,250 rentable square feet of space (253,114 usable square
   feet (pursuant to Exhibit A), situated on floors 2, 3, 6, 7, 8, 9, 10, 16,
   17, 18 and 19 of the Building, and as identified on the floor plans, attached
   to this First Amendment as Exhibit A-1 (DESCRIPTION OF EXTENSION TERM
   PREMISES) (hereafter the "Extension Term Premises") shall be subject to the
   early extension of the Term of the Lease, as hereafter provided in this First
   Amendment.

2. TERM. Section 1 (TERM) of the Lease is hereby amended such that the Term of
   the Lease for that certain portion of the Premises identified in Paragraph 1
   above as the Extension Term Premises, shall hereby be extended for a period
   of four (4) years and seven (7) months (hereafter the "Term of the Extension
   Term Premises"), commencing as of the Effective Date, and expiring on October
   31, 2008, unless further extended, renewed or terminated in accordance with
   the terms of the Lease, as amended by this First Amendment thereto
   (hereafter, the "Extension Term Premises Termination Date"). All terms of the
   Lease shall apply to the Term of the Extension Term Premises, except to the
   extent expressly modified herein.

3. BASE RENT. As of the Effective Date, Section 3 (BASE RENT) of the Lease shall
   be amended such that the Annual Base Rent for the Extension Term Premises
   shall be Four Million One Hundred Thirty-Five Thousand Fifty and 00/100
   Dollars ($4,135,050.00), based on an annual rental rate of $16.20 per
   rentable square foot (of the Extension Term Premises), and shall be payable
   by Tenant to Landlord (or Landlord's agent) in equal monthly installments of
   Three Hundred Forty-Four Thousand Five Hundred Eighty-Seven and 50/100
   Dollars ($344,587.50), payable commencing on the Effective Date and
   thereafter for each month of the Term of the Extension Term Premises,
   provided herein, through and including the Extension Term Premises
   Termination Date, in the manner as set forth in such Section 3 of the Lease.

        In addition to the extension of the Term of the Lease for the Extension
   Term Premises, Tenant shall also retain and extend the Term of the Lease with
   respect to the leasing of one loading dock on the loading dock level,
   mechanical ares on the loading dock level and the 14th floor, as well as
   rooftop space for the ventilator, as provided for in the second grammatical
   paragraph of Section 3 of the Lease. In consideration of the same, Tenant
   shall continue to pay to Landlord, or Landlord's agent, during the Term of
   the Extension Term Premises, as Additional Rent for the leasing of these
   items, an annual sum of $11,700.00, which amount shall be paid in one
   lump-sum payment, annually, in advance, on January 1st of each calendar year.

4. ADDITIONAL RENT. As of the Effective Date, Section 4 (ADDITIONAL RENT) of the
   Lease shall be amended by adding at the end of such provision the following:
   (i) the Base Year for the Extension Term Premises shall remain as Calendar
   Year 1997; and (ii) Tenant's Proportionate Share of the Building for the
   Extension Term Premises shall mean 31.20%, as calculated in accordance with
   the terms of such Subsection 4(A)(iii).

                                        73
<PAGE>
5.   CONDITION OF PREMISES. It is hereby understood and agreed that Tenant shall
     accept the Extension Term Premises for the Term of the Extension Term
     Premises provided in this First Amendment, in its "as is" condition, and
     Landlord shall have no obligation to improve, alter or remodel the same
     (with the exception of normal repair and maintenance as described in the
     Lease). Tenant may perform certain alterations to the Extension Term
     Premises, at Tenant's sole cost and expense, in accordance with the terms
     of Section 9 (ADDITIONS AND ALTERATIONS) and Section 10 (COVENANT AGAINST
     LIEN) of the Lease, and in a good and workmanlike manner by Tenant and its
     contractors or subcontractors, which shall include obtaining Landlord's
     prior written consent as required therein, and in accordance with the terms
     thereof. Tenant shall be responsible for procuring all necessary permits
     for any alterations to be performed to the Extension Term Premises, as
     provided for under the terms of the Lease, and Landlord shall reasonably
     cooperate with Tenant, or Tenant's agents or contractor's in the
     procurement of such permits. It is hereby acknowledged and agreed by
     Landlord that there shall be no Landlord supervision or administrative fees
     associated with any such alterations to the Extension Term Premises.

6.   RENEWAL OPTION. Landlord and Tenant hereby acknowledge that this First
     Amendment provides for the early extension of the Term of a portion of the
     Premises, referred to herein as the Extension Term Premises; however, this
     First Amendment shall in no event be deemed to be an exercise of the
     Renewal Option provided to Tenant pursuant to Section 34 (RENEWAL OPTION)
     of the Lease, and such Renewal Option shall remain in full force and
     effect, in accordance with the terms set forth in such Section 34; however,
     only for that portion of the Premises which is not identified as the
     Extension Term Premises, and therefore not subject to the Term of the
     Extension Term Premises, as provided in this First Amendment. Accordingly,
     the Renewal Option, which is for a term of approximately four (4) years and
     seven (7) months, expiring on October 31, 2008 (the "Renewal Term"), shall
     be applicable to that portion of the Premises consisting of approximately
     117,765 rentable square feet (16,973 usable square feet, pursuant to
     EXHIBIT A of the Lease), consisting of floors 4,5,11,12 and 20 (hereafter
     known as the "Remaining Premises"). Pursuant to the terms of such Section
     34 of the Lease, any renewal as to a portion of the Remaining Premises must
     consist of entire contiguous floors; however, notwithstanding the terms of
     such Section 34 to the contrary, but in accordance with the concept of
     "entire contiguous floors", Tenant hereby agrees that (i) in the event that
     Tenant elects to exercise the Renewal Option for only one floor of the
     Remaining Premises, such one floor shall be the twentieth (20th) floor;
     (ii) in the event that Tenant elects to exercise the Renewal Option for
     only two floors, such floors shall be the 4th and 5th floors block;
     (iii) Tenant shall only have the right to elect to exercise the Renewal
     Option for the 11th and 12th floors if Tenant has also elected to exercise
     the Renewal Option for 4th and 5th floors block; and (iv) in addition to
     the terms of subsection (i) hereof, the election to exercise the Renewal
     Option for the 20th floor may be exercised in conjunction with the exercise
     of the Renewal Option for the 4th and 5th floor block, or with the exercise
     of the Renewal Option with respect to the entire Remaining Premises.

          In the event the Renewal Option is not exercised, or the parties
     cannot agree upon the Prevailing Rental Rate for the Renewal Term as such
     applies to the

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<PAGE>
       Remaining Premises, then the Term of the Lease for the Remaining Premises
       shall expire as of the Termination Date set forth in the Lease, and
       Tenant shall vacate, quit and surrender the Remaining Premises to
       Landlord in accordance with the terms of the Lease; however, the Lease
       shall continue with respect to the Extension Term Premises, in accordance
       with the terms of this First Amendment. In the event the Renewal Option
       is exercised, and the parties reach an agreement concerning the
       Prevailing Rental Rate and resulting Base Rent for the Renewal Term, then
       Landlord and Tenant shall execute an amendment to the Lease within thirty
       (30) days after the determination of the Prevailing Rental Rate and
       resulting Base Rent for the Renewal Term for the Remaining Premises,
       which amendment shall set forth the Renewal Term, the Base Rent and all
       other terms and conditions for the Renewal Term as such apply to the
       Remaining Premises.

7.     BROKER'S WARRANTY. For the purpose of this First Amendment,
       notwithstanding the terms of Section 27 (REAL ESTATE BROKER) of the Lease
       to the contrary, Landlord and Tenant warrant and represent that they have
       dealt with no real estate broker in connection with this First Amendment
       other than Jones Lang LaSalle (the "Broker"), and that no other broker is
       entitled to any commission on account of this First Amendment. The party
       who breaches this warranty shall defend, hold harmless and indemnify the
       other from any loss, cost, damage or expense, including reasonable
       attorney fees, arising from the breach. Tenant understands that Broker
       represents Landlord in this transaction and Broker owes its fiduciary
       responsibility to Landlord. Landlord is solely responsible for paying the
       commission of said Broker in accordance with separate agreement between
       Landlord and Broker.

8.     NOTICES. Section 29 (NOTICES) of the Lease shall remain in full force and
       effect until the Effective Date. As of the Effective Date, all notices
       and notifications, required or permitted under the Lease, to be sent to
       Landlord shall be sent to the following addresses, in the manner set
       forth in such Section 29 or such other addresses as may be designated by
       Landlord by notice to Tenant, as set forth in such Section 29:

               Landlord:    Aetna, Inc.
                            151 Farmington Avenue
                            Hartford, Connecticut 06156
                            Attn: Real Estate Investments, RT11

          with a copy to:   Jones Lang LaSalle Americas, Inc.
                            90 State House Squares
                            Hartford, Connecticut 06103

         with a copy to:    Dechert
                            90 State House Squares
                            Hartford, Connecticut 06103
                            Attn: John J. Gillies, Jr.

      Notwithstanding the foregoing, as of the date hereof, all notices and
      notifications, required or permitted under the Lease regarding any matter
      pertaining to the Premises

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<PAGE>
     with respect to the period after March 31, 2004 shall be sent to the
     addresses set forth in this Section 8 of this First Amendment.

9.   BINDING EFFECT.  The terms of this First Amendment to Lease shall be
     binding upon and inure to the benefit of the parties hereto and their
     respective successors and permitted assigns.

10.  RATIFICATION.  Except as expressly provided otherwise herein, all terms
     defined in the Lease shall have the meaning ascribed therein and all
     provisions, covenants and conditions of the Lease are hereby ratified,
     confirmed and incorporated herein in their entirety by this reference.

11.  FULL FORCE AND EFFECT.  The Lease shall remain in full force and effect and
     the terms of this First Amendment shall control over any conflicts between
     the terms of the Lease and the terms of this First Amendment.

12.  WAIVER OF CONSEQUENTIAL DAMAGES.  As of the date hereof, neither Landlord
     nor Tenant shall be liable to the other under or in connection with the
     Lease or this First Amendment thereto, for any consequential damages and
     both Landlord and Tenant waive, to the full extent permitted by law, any
     claim for consequential damages.

13.  LANDLORD'S INTEREST.  Tenant acknowledges that Landlord shall only obtain a
     possessory interest in the Premises as of the Effective Date and until such
     time, the Landlord under the Lease is Lion Connecticut Holdings, Inc., as
     identified in the second "Whereas" clause of this First Amendment. Tenant
     agrees to look solely to Lion (or its successors or assigns) with respect
     to all matters pertaining to the Lease occurring prior to the Effective
     Date.

14.  LANDLORD'S REPRESENTATION REGARDING THE HEALTHCARE LEASE.  Landlord hereby
     represents to Tenant that as of the commencement date of the Healthcare
     Lease, the Lease, as amended or modified, shall remain in full force and
     effect upon all of its executory terms, and pursuant to the fact the Lease
     shall become a sublease, as provided in the fourth "Whereas" clause of this
     First Amendment, Aetna hereby agrees that in addition, Aetna shall not take
     any action under the Healthcare Lease designed to disturb Tenant's
     possession and occupancy of the Premises, nor to diminish or interfere with
     any of Tenant's rights and privileges under the Lease, so long as Tenant is
     not in default under any of the terms, covenants, or conditions of the
     Lease, beyond any notice or cure periods provided under the terms of the
     Lease.

                 (Remainder of page left intentionally blank.)

                                       76
<PAGE>
     IN WITNESS WHEREOF, Landlord and Tenant have executed this First
Amendment as of the day and year first above written.

WITNESSES:                                        LANDLORD:

                                                  AETNA INC.

Christina Negron                                  By: /s/ Timothy A. Holt
----------------                                      ---------------------
John M. Maher                                          Timothy A. Holt
----------------                                  Its: Senior Vice President

                                                  TENANT:

                                                  THE TRAVELERS INDEMNITY
                                                  COMPANY
Thomas Luszczak
---------------                                   By: /s/ Andy F. Bessette
                                                      --------------------
                                                       Andy F. Bessette
                                                  Its: Vice President

                                       77

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