Document:

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                                                                    Exhibit 10.7

                                   FORM OF
                         TRADEMARK LICENSE AGREEMENT

           This TRADEMARK LICENSE AGREEMENT ("Agreement"), dated as of
December __, 2000, is by and between AETNA U.S. HEALTHCARE INC. a Pennsylvania
corporation ("LICENSOR"), and AETNA INC., a Connecticut corporation ("AETNA").

                                   RECITALS

           WHEREAS, Aetna and Licensor have entered into the Distribution
Agreement, dated December __, 2000, as contemplated by the Agreement and Plan
of Restructuring and Merger, dated July 19, 2000, by and among ING AMERICA
INSURANCE HOLDINGS, INC., a Delaware corporation, ANB ACQUISITION CORP., a
Connecticut corporation, Aetna and, for limited purposes only, ING GROEP N.V.,
a corporation organized under the laws of the Netherlands;

           WHEREAS, each of Aetna and its subsidiary, Aetna Life Insurance and
Annuity Company ("ALIAC"), has entered into a trademark assignment agreement,
each dated November 3, 2000 (together, the "Assignment Agreements"), pursuant
to which Aetna and ALIAC assigned to Licensor, inter alia, all of their
respective right, title and interest in and to certain Marks, as defined
below;

           WHEREAS, in consideration of the transactions contemplated by the
Distribution Agreement and the Agreement and Plan of Restructuring and Merger,
Licensor desires to license the Marks to Aetna under the terms and conditions
set forth below, and Aetna desires to accept such license.

           NOW, THEREFORE, by this document, and for good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged,
Licensor and Aetna agree as follows:

1. DEFINITIONS.  Capitalized terms used without definition in this Agreement
have the respective meanings assigned to them in the Distribution Agreement.
As used herein, the following terms have the following respective meanings:

   1.1.    "CHANGE OF CONTROL" means the occurrence of any of the following
           events: (i) any "person" or "group" (as such terms are used in
           Sections 13(d) and 14(d) of the Securities and Exchange Act of
           1934, as amended (the "EXCHANGE ACT")), not an Affiliate or
           Subsidiary of Aetna as of the Distribution Date, is or becomes the
           "beneficial owner" (as defined in Rules 13d-3 and 13d-5 under the
           Exchange Act, except that a person shall be deemed to have
           "beneficial ownership" of all securities that such person has the
           right to acquire, whether such right is exercisable immediately or
           only after the passage of time), directly or indirectly, of more
           than 30% of the total voting stock of Aetna; or (ii) Aetna

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           sells, assigns, conveys, transfers, leases or otherwise disposes of
           all or a substantial part of its assets to any person, or group of
           related persons.

   1.2.    "MARKS" means the trademarks, service marks and trade names set
           forth on Schedule 1, attached hereto.

2. GRANT OF LICENSE.

   2.1.    Licensor hereby grants to Aetna, subject to the terms and
           conditions of this Agreement (and subject to the agreements listed
           on Schedule 2 attached hereto), a non-exclusive, royalty-free,
           non-assignable, non-transferable, non-sublicensable (except as
           expressly provided in this Agreement) right to use the Marks and
           the AETNA portion of the Transitional Mark, as defined below, in
           each case solely in connection with the Aetna Business and during
           the Term in a manner consistent with the conduct of the Aetna
           Business and with the use of the Marks as at the Distribution Date,
           provided, however, that Aetna may

                   (i)     during the Initial Term only, use the Marks in
                           offering, selling and distributing Aetna Business
                           products together with products of its Affiliates,
                           and

                   (ii)    during the Remaining Term, use the Marks only in
                           the combined format set forth on Schedule 3
                           attached hereto (the "TRANSITIONAL MARK") and only
                           in association with the ING Groep N.V. marks set
                           forth on Schedule 4 attached hereto, except in
                           those instances where applicable law requires use
                           of an entity's legal name including, without
                           limitation, in the issuance of annuity contracts.

   2.2.    Licensor hereby grants to Aetna the royalty-free, non-exclusive,
           non-assignable right to sublicense use of the Marks to Aetna
           Affiliates, only to the extent necessary to exercise Aetna's rights
           under Section 2.1(i) and (ii), above, and only to the extent
           consistent with all of the restrictions, exceptions and termination
           provisions contained in this Agreement. Any Affiliate granted a
           sublicense pursuant to this Section 2.2 shall be deemed a
           "Sublicensee". Each Sublicensee must agree in writing to be bound
           by all of the terms and conditions of this Agreement.

   2.3.    Except as permitted by Section 2.1(i) and (ii) and Section 2.2, in
           no event shall Aetna use or permit any Affiliate to use any Mark or
           the Transitional Mark (i) in connection with any other business of
           Aetna or its Affiliates, or (ii) as a composite with another
           trademark, except as to which in each case Licensor has given its
           prior written consent.

   2.4.    Notwithstanding the grant or the terms of the license herein,
           Licensor and the Spinco Group shall retain the right to use the
           Marks during the Term in connection with any action or activity
           subject to the restrictions set forth in Section 7.04 of the
           Distribution Agreement.

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   2.5.    During the Term, Licensor will not license the Marks in any manner
           that would conflict with the Aetna Business as such business is
           conducted at the Distribution Date.

   2.6.    Notwithstanding anything to the contrary in this Section 2, during
           the Initial Term, the Aetna Group may use signs, labels,
           containers, stationery, forms (including policy forms) and other
           printed material or matter that are in the assets or inventory of
           the Aetna Group immediately after the Distribution Time, provided
           that the Aetna Group will use reasonable efforts to deplete and
           discontinue use of such materials or matter containing or bearing
           any of the Marks as soon as practicable in the ordinary course of
           business.

3. ASSIGNMENT AND SUBLICENSE.

   3.1.    This Agreement shall not be directly or indirectly, in whole or in
           part, sublicensed (except as provided in Section 2.2, above)
           assigned or transferred by either party to any third party (except
           by Spinco to a member of the Spinco Group and by Aetna to a member
           of the Aetna Group) including, without limitation, any bankruptcy
           trustee, by operation of law (other than in connection with an
           internal restructuring of the Spinco Group or the Aetna Group) or
           otherwise, provided that any such assignment, transfer or
           sublicense shall be subject in all respects to the restrictions,
           exceptions and termination provisions contained in this Agreement
           and, with respect to Aetna, only upon prior written notice to
           Spinco,

4. TERM AND TERMINATION.

   4.1.    This Agreement shall commence on the Distribution Date and continue
           for three (3) years (the "Term"). The "Initial Term" shall be the
           first 18-month period following the Distribution Date, and the
           "Remaining Term" shall be the 18-month period immediately following
           the Initial Term.

   4.2.    Once Aetna and a Sublicensee cease the use of all Marks or the
           Transitional Mark with respect to a particular product or service,
           the license granted herein and any sublicense granted by Aetna with
           respect to such product or service shall terminate on the day which
           is sixty (60) days after the date on which such use ceased, but, in
           no event, later than the expiration of the Term.

   4.3.    Licensor may terminate the license granted herein and any
           sublicense granted by Aetna with respect to a particular product or
           service in the event of a material breach by any member of the
           Aetna Group or any Affiliate of the Aetna Group that has not been
           cured within thirty (30) days (or sixty (60) days, if substantial
           progress is being made at the end of such thirty (30) day period)
           of written notice by Licensor to Aetna.

   4.4.    This Agreement shall terminate automatically (i) in the event of a
           Change of Control of Aetna; (ii) in the event of the sale of all or
           substantially all of the Aetna Business; (iii) if Aetna shall
           generally fail to pay its debts in the ordinary course of its
           business, or shall admit in writing its inability to pay its debts
           generally, or shall make a general

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           assignment for the benefit of creditors or any proceeding shall be
           instituted by or against Aetna seeking to adjudicate it bankrupt or
           insolvent, or seeking liquidation, winding up, reorganization,
           arrangement, adjustment, protection, relief or composition of it or
           its debts under any law relating to bankruptcy, insolvency or
           reorganization or relief of debtors, or seeking the entry of an
           order for relief or the appointment of a receiver, trustee, or
           other similar official for it or for any substantial part of its
           property, and in the case of any proceeding instituted against
           Aetna, such proceeding shall not be stayed or dismissed within
           thirty (30) days from the date of institution thereof, or (iv)
           Aetna shall take any corporate action to authorize any of the
           actions set forth in clause (iii) above.

5. QUALITY STANDARDS.

   5.1.    As a condition to the license granted by this Agreement, Aetna
           shall use the Marks and operate the Business and shall ensure that
           each Sublicensee uses the Marks and operates the Business (i) at a
           level of quality at least as high as that established prior to the
           Distribution Date; and (ii) in compliance with all applicable laws
           and regulations.

   5.2.    Licensor shall have the right to exercise quality control over
           Aetna's and Sublicensees' presentation of the Marks and the
           Transitional Mark to that degree reasonably necessary, in the
           opinion of Licensor, to maintain the validity and enforceability of
           the Marks and to protect the goodwill associated therewith.

           5.2.1.  Aetna shall, upon request by Licensor, submit to Licensor
                   materials bearing the Marks and the Transitional Mark as
                   Licensor may reasonably require to ensure Aetna's and
                   Sublicensees' compliance with the obligations set forth in
                   this Agreement. In the event Licensor reasonably determines
                   that such samples are of a materially lesser quality than
                   those generated prior to the Distribution Date, Aetna
                   shall, upon notice from Licensor of the specific deviation,
                   immediately take steps necessary to correct the
                   deviation(s) and to cure such deficiencies within thirty
                   (30) days; provided, however, that in the event Licensor
                   reasonably determines that the deviation(s) pose a threat
                   to the validity of the Mark(s) or to the goodwill
                   associated therewith, Aetna shall, upon notice from
                   Licensor, immediately cease and desist, and shall
                   immediately direct its Sublicensees to cease and desist,
                   all use of such non-conforming materials. Aetna's or any
                   Sublicensee's failure to comply with such cease and desist
                   order shall be deemed a breach of this Agreement for
                   purposes of Section 7.3 hereof.

           5.2.2.  Upon execution of a reasonable and mutually acceptable
                   confidentiality agreement, Licensor shall have the right to
                   inspect, upon reasonable notice and during normal business
                   hours (but in no event more than twice in any calendar
                   year), any premises of Aetna or its Sublicensees where
                   activities relating to the marketing and provision of
                   products and services bearing the Marks or the Transitional
                   Mark are conducted.

6. USE AND OWNERSHIP OF THE MARKS.

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   6.1.    Aetna shall use and ensure that its Sublicensees use the Marks and
           the Transitional Mark in accordance with sound trademark and trade
           name usage principles and in accordance with all applicable laws
           and regulations, including, without limitation, all laws and
           regulations relating to the maintenance of the validity and
           enforceability of the Marks. Aetna shall not use and shall ensure
           that its Sublicensees do not use the Marks or the Transitional Mark
           in any manner which might dilute, tarnish, disparage or reflect
           adversely on Licensor or the Marks.

   6.2.    Aetna acknowledges that the Marks and the AETNA portion of the
           Transitional Mark and all rights therein (with the exception of
           those rights expressly granted to Aetna under this Agreement) and
           the goodwill pertaining thereto belong exclusively to Licensor.
           Aetna's and Sublicensees' use of the Marks shall inure to the
           benefit of Licensor for the purpose of trademark ownership,
           registration, enforcement and maintenance. Without limiting the
           generality of the foregoing, Aetna agrees and covenants that it
           will not challenge the validity of Licensor's ownership of the
           Marks and the AETNA portion of the Transitional Mark or any
           registration or application for registration thereof or contest the
           fact that Aetna's and its Sublicensees' rights under this Agreement
           are solely those of non-exclusive licensees to use the Marks and
           the Transitional Mark solely in connection with the Aetna Business
           during the Term.

   6.3.    After the Term, Aetna and its Sublicensees will not use the Marks
           or the Transitional Mark in any jurisdiction in connection with
           health care, financial services or otherwise.

   6.4.    Aetna shall use its best efforts in accordance with sound trademark
           practices to identify the Marks as trademarks, service marks or
           logos of Licensor by appropriate statutory notice. Aetna shall use
           and shall instruct its Sublicensees to use such additional required
           statutory trademark notice or other proprietary markings as may
           reasonably be requested in writing by Licensor from time to time.

7. PROTECTION OF MARKS; LITIGATION.

   7.1.    During the Term, Aetna agrees to notify Licensor immediately upon
           notice of (i) any conflicting uses of, or any applications of or
           registrations for, a trademark, service mark or logo that may
           conflict with the Marks, (ii) any acts of infringement or unfair
           competition involving the Marks, or (iii) any allegations that the
           use of the Marks by Licensor, Aetna or the Sublicensees infringe
           upon the trademark or service mark or other rights (including,
           without limitation, rights relating to unfair competition) of any
           other person.

   7.2.    During the Term, Licensor shall have the sole right to initiate any
           opposition, cancellation or infringement proceedings necessary to
           enforce the Marks. Licensor shall have the right to include Aetna
           as a party in any such enforcement proceedings where necessary, and
           Aetna agrees to join in such proceedings, at Licensor's expense, as
           a voluntary plaintiff or claimant upon request of Licensor, and
           Aetna shall cooperate with Licensor in such proceedings, at
           Licensor's expense. Licensor shall have the sole right to control
           and settle any such proceedings.

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   7.3.    Aetna acknowledges and agrees that Licensor may be irreparably
           injured by a breach of this Agreement and that, in such event,
           Licensor shall be entitled to injunctive relief, in addition to any
           other legal or equitable remedy, without the need to post any bond
           or to adduce further evidence of such irreparable injury.

8. REPRESENTATIONS AND WARRANTIES.

   8.1.    Licensor represents and warrants to Aetna, and Aetna represents and
           warrants to Licensor, as follows:

           8.1.1.  It is duly organized, validly existing and in good standing
                   under the laws of the jurisdiction of its organization.

           8.1.2.  It has all requisite power and authority to execute and
                   deliver, and to perform its obligations under, this
                   Agreement.

           8.1.3.  The execution and delivery by it of this Agreement, and the
                   performance by it of its obligations hereunder, have been
                   duly authorized by all necessary corporate action on the
                   part of it.

           8.1.4.  This Agreement has been duly executed and delivered by it
                   and constitutes a valid and binding obligation of it,
                   enforceable against it in accordance with its terms, except
                   as such enforceability (a) against Aetna may be limited by
                   bankruptcy, insolvency and other laws affecting creditors'
                   rights generally, or (b) against Licensor may be limited by
                   bankruptcy, insolvency, reorganization, rehabilitation,
                   liquidation, conservation and other laws affecting the
                   rights of creditors of insurance companies generally or (c)
                   against Aetna  or Licensor may be limited by general
                   principles of equity (whether considered in a proceeding at
                   law or in equity).

9. INDEMNIFICATION.

   9.1.    Aetna hereby agrees to indemnify, defend and hold each member of
           the Spinco Group, their Affiliates and their respective directors,
           officers and employees (the "Licensor Indemnitees") harmless from
           and against any and all Damages resulting from the marketing,
           offering, issuance, sale or performance of any products or services
           bearing the Marks or the Transitional Mark or offered under the
           Marks or the Transitional Mark by Aetna and/or any of its
           Affiliates following the Distribution Date or otherwise arising in
           any manner out of the use of the Marks or the Transitional Mark by
           Aetna and/or any of its Affiliates.

   9.2.    Licensor hereby agrees to indemnify, defend and hold each member of
           the Aetna Group, their Affiliates and their respective directors,
           officers and employees (the "Aetna Indemnitees") harmless from and
           against any and all Damages (a) resulting solely from Licensor's
           failure to have or maintain valid intellectual property rights in
           the Marks, to

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            the extent such failure is not attributable to actions by Aetna or
            any Aetna Affiliate or failure by Aetna or an Aetna Affiliate to
            take actions required by the terms of this Agreement, and (b)
            arising out of any third party claim that Aetna's and/or an Aetna
            Affiliate's use of the Marks pursuant to this Agreement infringes
            such third party's intellectual property rights.

    9.3.    The indemnities referred to in the preceding two paragraphs shall
            be in addition to and shall not supersede the indemnities set
            forth in Article 4 of the Distribution Agreement, provided that if
            any of the Licensor Indemnitees or the Aetna Indemnitees
            determines that it is or may be entitled to indemnification
            pursuant to this Agreement, the procedures set forth in Sections
            4.04 to 4.06 of the Distribution Agreement shall apply and, for
            this purpose, such person shall be referred to as the "INDEMNIFIED
            PARTY" and Aetna or Licensor, as the case may be, shall be
            referred to as the "INDEMNIFYING PARTY."

    9.4.    Nothing in this Section 9 shall be deemed to limit a party's
            entitlement to injunctive relief, or any other right or remedy
            available at law or in equity, in an appropriate case.

10. MISCELLANEOUS.

    10.1.   Survival.  Sections 6.3, 7, 8, 9, 10.1, 10.4 and 10.10 shall
            survive the termination of this Agreement for any reason.

    10.2.   Notices.  Any notice or other communication required or permitted
            hereunder shall be delivered in accordance with the Notice
            provisions of the Distribution Agreement.

    10.3.   Waivers and Amendments; Non-Contractual Remedies; Preservation of
            Remedies. This Agreement may be amended, superseded, canceled,
            renewed or extended, and the terms hereof may be waived, only by a
            written instrument signed by each of the parties hereto, or in the
            case of a waiver, by the party waiving performance. No delay on
            the part of any party in exercising any right, power or privilege
            hereunder shall operate as a waiver hereof, nor shall any waiver
            on the part of any party of any right, power or privilege,
            preclude any further exercise thereof or the exercise of any other
            such right, power or privilege. The rights and remedies herein
            provided are cumulative and are not exclusive of any rights or
            remedies that any party may otherwise have at law or in equity.

    10.4.   Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED
            IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT
            GIVING EFFECT TO THE PRINCIPLES OF CONFLICTS OF LAWS THEREOF. Each
            of the parties hereto agrees that any legal action or proceeding
            with respect to this Agreement may be brought in the Courts of the
            State of New York or the United States District Court for the
            Southern District of New York in the borough of Manhattan and, by
            execution and delivery of this Agreement, each party hereto
            irrevocably submits itself in respect of its property, generally
            and unconditionally to the non-exclusive jurisdiction of the
            aforesaid courts in any legal action or proceeding arising out of
            this Agreement. Each of the parties hereto

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           irrevocably waives any objection which it may now or hereafter have
           to the laying of venue of any of the aforesaid actions or
           proceedings arising out of or in connection with this Agreement
           brought in the courts referred to in the preceding sentence. Each
           party hereby consents to process being served in any such action or
           proceeding by the mailing of a copy thereof in accordance with the
           Notice provisions of this Agreement and agrees that such service
           upon receipt shall constitute good and sufficient service of
           process or notice thereof. Nothing in this Section 10.4 shall
           affect or eliminate any right to serve process in any other matter
           permitted by law.

   10.5.   Entire Agreement. This Agreement and the other Distribution
           Documents contain the entire agreement among the parties hereto
           with respect to the subject matter hereof and supersede all
           previous written or oral negotiations, commitments and writings.
           The section headings of this Agreement are for convenience of
           reference only and do not form a part hereof and do not in any way
           modify, interpret or construe the intentions of the parties.

   10.6.   Further Assurances. At any time and from time to time, each party
           hereto agrees, without further consideration, to take such actions
           and to execute and deliver such documents as may be reasonably
           necessary to effectuate the terms of this Agreement.

   10.7.   Counterparts.  This Agreement may be executed in counterparts, and
           such counterparts will constitute one and the same instrument.

   10.8.   Severability.  If any term or clause of this Agreement is held to
           be illegal, invalid or unenforceable, the validity or
           enforceability of the remainder of this Agreement shall not be
           affected thereby.

   10.9.   Successors and Assigns. This Agreement shall be binding upon and
           inure to the benefit of the parties hereto and their respective
           successors, permitted assigns and legal representatives.

                 [Remainder of Page Intentionally Left Blank]

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           IN WITNESS WHEREOF, the parties have executed this Agreement as of
the date written below.

Date:
       ---------------------------

AETNA INC.

By:
   --------------------------
Name:
Title:

AETNA LIFE INSURANCE COMPANY

By:
   -------------------------------
Name:
Title:

                                      9<PAGE>   1
                                                                    Exhibit 10.8

                                   FORM OF
                          SOFTWARE LICENSE AGREEMENT

           This Software License Agreement ("AGREEMENT"), dated as of December
__, 2000, is by and between Aetna U.S. Healthcare Inc. a Pennsylvania
corporation located at 780 Jolly Road, Blue Bell, PA ("SPINCO"), and Aetna
Inc., a Connecticut corporation located at 151 Farmington Ave., Hartford, CT
06156 ("AETNA").

                                   RECITALS

           WHEREAS, Spinco and Aetna have entered into the distribution
agreement ("Distribution Agreement") as contemplated by the Agreement and Plan
of Restructuring and Merger, dated July 19, 2000, by and among ING GROEP N.V.,
a corporation organized under the laws of the Netherlands, ING AMERICA
INSURANCE HOLDINGS, INC., a Delaware corporation, ANB ACQUISITION CORP., a
Connecticut corporation, and Aetna;

           WHEREAS, Spinco is the sole owner of and holds all rights, title
and interest in certain software that performs functions for the Aetna
Business as well as Spinco's businesses; and

           WHEREAS, subject to the terms and conditions hereinafter set forth,
Spinco and Aetna desire to enter into a limited license agreement so that
Aetna will be able to continue to run the software in the Aetna Business.

           NOW THEREFORE, in consideration of the transactions contemplated by
the Distribution Agreement and the Agreement and Plan of Restructuring and
Merger, and in reliance upon the representations, warranties, conditions and
covenants contained herein, the parties hereby agree as follows:

1. DEFINITIONS.

   1.1     Capitalized terms used without definition in this Agreement have
           the respective meanings assigned to them in the Distribution
           Agreement.

   1.2     "SOFTWARE" means the computer programs set forth on Schedule 1, in
           source code and object code form, together with related
           documentation.

2. GRANT OF LICENSE.

   2.1     Subject to the terms and conditions of this Agreement, Spinco
           hereby grants to Aetna, and Aetna hereby accepts from Spinco, a
           perpetual, non-exclusive, sub-licensable (only to Aetna Affiliates
           and only to the extent consistent with all of the termination
           provisions contained in this Agreement), royalty-free, irrevocable
           (except for Spinco's right to terminate in the event of Aetna's
           breach, as described below) license to use, reproduce, display,
           perform, modify and create derivative works of the Software solely
           in connection with the Aetna Business.

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   2.2     The license granted hereunder does not include any rights in
           previous versions of the Software nor in any future versions of the
           Software created by Spinco. Aetna may modify and/or create
           derivative works of the Software and Aetna shall own such
           modifications and derivative works, subject to Spinco's rights in
           the Software.

3. DELIVERY.

   3.1     As soon as reasonably practicable following the date hereof, Spinco
           shall deliver to Aetna a copy of all source code and related
           documentation of the Software in Spinco's possession on the
           Distribution Date. The parties shall share equally the costs of
           creating such copies.

4. NO OBLIGATIONS TO MAINTAIN OR SUPPORT.

   4.1     Spinco shall have no obligation to provide Aetna with any upgrades,
           updates, training, maintenance, error corrections or support for
           the Software.

5. TAXES.

   5.1     Aetna shall be responsible for all property taxes, sales taxes, use
           taxes, and any other similar taxes or assessments properly levied
           by any governmental authority upon the Software licensed and
           delivered hereunder.

6. TERM AND TERMINATION.

   6.1     Spinco may terminate the license granted herein in the event of a
           material breach by any member of the Aetna Group or any Affiliate
           of the Aetna Group that has not been cured within thirty (30), or
           if substantial progress is being made ninety (90), days of written
           notice by Spinco to Aetna. Nothing in this Section 6 shall be
           deemed to limit Spinco's right to seek and obtain injunctive
           relief, or any other right or remedy available at law or in equity,
           in an appropriate case.

7. CONFIDENTIALITY.

   7.1     Aetna acknowledges that the Software is proprietary and
           confidential to Spinco.

   7.2     Aetna agrees not to reveal or disclose the Software for any purpose
           to any other person, or to use the Software for any purpose other
           than as contemplated herein, without the prior written consent of
           Spinco. Aetna agrees to maintain adequate security procedures and
           take reasonable precautions (no less rigorous than Aetna takes with
           respect to its own comparable confidential information) to prevent
           misuse, unauthorized or inadvertent disclosure or loss of the
           Software.

   7.3     The Software may be disclosed pursuant to any statute, regulation,
           order, subpoena or document discovery request, provided that prior
           written notice of such disclosure is furnished to Spinco as soon as
           practicable in order to afford Spinco an opportunity to seek a
           protective order (it being agreed that if Spinco is unable to
           obtain or does not seek a protective order and Aetna is legally

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           compelled to disclose such information, disclosure of such
           information may be made without liability).

   7.4     Aetna shall notify Spinco immediately upon discovery of any
           prohibited use or disclosure of the Software, or any other breach
           of this Section 7 by Aetna, and shall fully cooperate with Spinco
           to help Spinco regain possession of the Software and prevent the
           further prohibited use or disclosure of the Software.

8. REPRESENTATIONS AND WARRANTIES.

   8.1     Each party represents and warrants to the other party,
           respectively, as follows:

           8.1.1   It is duly organized, validly existing and in good standing
                   under the laws of the jurisdiction of its organization.

           8.1.2   It has all requisite power and authority to execute and
                   deliver, and to perform its obligations under, this
                   Agreement.

           8.1.3   The execution and delivery by it of this Agreement, and the
                   performance by it of its obligations hereunder, have been
                   duly authorized by all necessary corporate action on its
                   part.

           8.1.4   This Agreement has been duly executed and delivered by it
                   and constitutes a valid and binding obligation of it,
                   enforceable against it in accordance with its terms, except
                   as such enforceability may be limited (a) against Spinco by
                   bankruptcy, insolvency, reorganization, rehabilitation,
                   liquidation, conservation and other laws affecting the
                   rights of creditors of insurance companies generally, (b)
                   against Aetna by bankruptcy, insolvency and other laws
                   affecting creditors' rights generally, or (c) against
                   Spinco and Aetna by general principles of equity (whether
                   considered in a proceeding at law or in equity).

   8.2     Spinco represents and warrants that, to the best of its knowledge,
           as of the date of this Agreement, (i) Spinco holds all right, title
           and interest in and to the Software, and (ii) use of the Software,
           as delivered by Spinco to Aetna, by Aetna will not infringe upon
           any patent, copyright, trade secret or other intellectual property
           right of any third party.

   8.3     EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT, SPINCO IS
           PROVIDING THE SOFTWARE "AS IS" AND DOES NOT REPRESENT OR WARRANT
           THAT SUCH SOFTWARE WILL OPERATE UNINTERRUPTED OR BE ERROR FREE OR
           WILL OPERATE IN COMBINATION WITH ANY OTHER SOFTWARE PROGRAMS OR
           DATA.

   8.4     EXCEPT AS EXPRESSLY STATED IN THIS AGREEMENT, THERE ARE NO
           WARRANTIES, CONDITIONS, GUARANTEES OR REPRESENTATIONS, WHETHER
           EXPRESS OR IMPLIED, MADE BY EITHER PARTY AS TO MERCHANTABILITY,
           FITNESS FOR A PARTICULAR PURPOSE, OR OTHER WARRANTIES, CONDITIONS,
           GUARANTEES OR REPRESENTATIONS, WHETHER EXPRESS OR IMPLIED, IN LAW
           OR IN FACT, ORAL

<PAGE>   4

            OR IN WRITING WITH RESPECT TO THE SOFTWARE. EACH PARTY HEREBY
            ACKNOWLEDGES THAT IT HAS NOT RELIED UPON ANY WARRANTY, CONDITION,
            GUARANTEE OR REPRESENTATION MADE BY THE OTHER EXCEPT AS
            SPECIFICALLY SET FORTH IN THIS AGREEMENT.

9.  INDEMNIFICATION AND REMEDIES.

    9.1     Aetna hereby agrees to indemnify, defend and hold each member of
            the Spinco Group, their Affiliates and their respective directors,
            officers and employees (the "SPINCO INDEMNITEES") harmless from
            and against any and all Damages resulting from the use or
            operation of the Software by Aetna or any person authorized by
            Aetna, except for any such Damages arising within the scope of
            Spinco's indemnification of Aetna under Section 9.2.

    9.2     Spinco hereby agrees to indemnify, defend and hold each member of
            the Aetna Group, their Affiliates and their respective directors,
            officers and employees (the "AETNA INDEMNITEES") harmless from and
            against any and all Damages (i) resulting solely from Spinco's
            failure to have or maintain valid intellectual property rights in
            the Software, as delivered by Spinco to Aetna, or (ii) arising out
            of any third party claim that Aetna's or an Aetna sub-licensee's
            use of the Software, as delivered by Spinco to Aetna, pursuant to
            this Agreement infringes such third party's intellectual property
            rights.

    9.3     The indemnities referred to in the preceding two paragraphs shall
            be in addition to and shall not supersede the indemnities set
            forth in Article 4 of the Distribution Agreement, provided that if
            any of the Aetna Indemnitees or the Spinco Indemnitees determines
            that it is or may be entitled to indemnification pursuant to this
            Agreement, the procedures set forth in Sections 4.04 to 4.06 of
            the Distribution Agreement shall apply and, for this purpose, such
            person shall be referred to as the "INDEMNIFIED PARTY" and Spinco
            or Aetna, as the case may be, shall be referred to as the
            "INDEMNIFYING PARTY."

    9.4     Nothing in this Section 9 shall be deemed to limit a party's
            entitlement to injunctive relief, or any other right or remedy
            available at law or in equity, in an appropriate case.

10. MISCELLANEOUS.

    10.1    Survival. Sections 5, 7, 8 and 9 of this Agreement, as well as the
            provisions of Sections 10.2, 10.4, 10.7 and this Section 10.1,
            shall survive the termination of this Agreement for any reason.

    10.2    Notices. Any notice or other communication required or permitted
            hereunder shall be delivered in accordance with the Notice
            provision of the Distribution Agreement.

    10.3    Waivers and Amendments; Non-Contractual Remedies; Preservation of
            Remedies. This Agreement may be amended, superseded, canceled,
            renewed or extended, and the terms hereof may be waived, only by a
            written instrument signed by each of the parties hereto or, in the
            case of a waiver, by the party waiving compliance. No delay on the
            part of any party on exercising any right,

<PAGE>   5

           power or privilege hereunder shall operate as a waiver thereof,
           nor shall any waiver on the part of any party of any right, power
           or privilege, or any single or partial exercise of any such right,
           power or privilege, preclude any further exercise thereof or the
           exercise of any other such right, power or privilege. The rights
           and remedies herein provided are cumulative and are not exclusive
           of any rights or remedies that any party may otherwise have at law
           or in equity.

   10.4    Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN
           ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING
           EFFECT TO THE PRINCIPLES OF CONFLICTS OF LAWS THEREOF. Each of the
           parties hereto agrees that any legal action or proceeding with
           respect to this Agreement may be brought in the Courts of the State
           of New York or the United States District Court for the Southern
           District of New York in the borough of Manhattan and, by execution
           and delivery of this Agreement, each party hereto irrevocably
           submits itself in respect of its property, generally and
           unconditionally to the non-exclusive jurisdiction of the aforesaid
           courts in any legal action or proceeding arising out of this
           Agreement. Each of the parties hereto hereby irrevocably waives any
           objection which it may now or hereafter have to the laying of venue
           of any of the aforesaid actions or proceedings arising out of or in
           connection with this Agreement brought in the courts referred to in
           the preceding sentence. Each party hereby consents to process being
           served in any such action or proceeding by the mailing of a copy
           thereof in accordance with the Notice provisions of this Agreement
           and agrees that such service upon receipt shall constitute good and
           sufficient service of process or notice thereof. Nothing in this
           Section 10.4 shall affect or eliminate any right to serve process
           in any other matter permitted by law.

   10.5    Entire Agreement. This Agreement and the other Distribution
           Documents contain the entire agreement among the parties hereto
           with respect to the subject matter hereof and supersede all
           previous written or oral negotiations, commitments and writings.
           The section headings of this Agreement are for convenience of
           reference only and do not form a part hereof and do not in any way
           modify, interpret, or construe the intentions of the parties.

   10.6    Further Assurances. At any time and from time to time, each party
           hereto agrees, without further consideration, to take such actions
           and to execute and deliver such documents as may be reasonably
           necessary to effectuate the terms of this Agreement.

   10.7    Counterparts.  This Agreement may be executed in counterparts, and
           such counterparts will constitute one and the same instrument.

   10.8    Severability. If any term or clause of this Agreement is held to be
           illegal, invalid or unenforceable, the validity or enforceability
           of the remainder of this Agreement shall not be affected thereby.

   10.9    Binding Effect; Assignment. This Agreement shall be binding upon
           and inure to the benefit of the parties hereto and their respective
           successors, permitted assigns and legal representatives. Neither
           this Agreement, nor any right or obligation hereunder, may be
           directly or indirectly assigned or transferred by Aetna, in whole
           or in part, to any third party, including, without limitation, any
           bankruptcy trustee, by operation of law or otherwise, whether
           voluntary or involuntary, without the

<PAGE>   6

           prior written consent of Spinco; provided, however, that, Aetna may
           assign this Agreement to one or more of its wholly-owned
           subsidiaries, in whole or in part, provided, that (a) no such
           assignment shall relieve Aetna of its obligations hereunder; and
           (b) none of the wholly-owned subsidiaries of Aetna to whom any
           rights hereunder have been assigned may further assign or transfer
           (directly or indirectly, by operation of law or otherwise) such
           rights, without the prior written consent of Spinco.

   10.10   Relationship of the Parties. This Agreement does not create any
           joint venture, partnership, agency or fiduciary relationship
           between the parties.

            [The remainder of this page left intentionally blank]

<PAGE>   7

   IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first written above.

AETNA U.S. HALTHCARE, INC.

By:
   ---------------------------
Name:
Title:

AETNA INC.

By:
   ---------------------------
Name:
Title:

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