0000950123-03-002268 Sample Contracts

Interoffice Communication Elease E. Wright Head of Aetna Human Resources (860) 273-8371 Fax: (860) 560-8721 To John W. Rowe, MD Date December 6, 2002 Subject Employment Agreement
Employment Agreement • February 28th, 2003 • Aetna Inc /Pa/ • Hospital & medical service plans

Aetna Inc.’s Board of Director’s Committee on Compensation and Organization has approved the following amendment to your Employment Agreement with the Company dated as of September 6, 2000. Section 2.04 of the Employment Agreement shall be deleted and replaced with the following: “During the Employment Term, Company shall pay an annual premium of $73,500 on life insurance covering Executive and payable to beneficiaries designated by Executive”.

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THREE-YEAR CREDIT AGREEMENT Dated as of November 27, 2002 among AETNA INC., as Borrower, The Banks Listed Herein and JPMORGAN CHASE BANK, as Administrative Agent
Year Credit Agreement • February 28th, 2003 • Aetna Inc /Pa/ • Hospital & medical service plans • New York

THREE-YEAR CREDIT AGREEMENT dated as of November 27, 2002 among AETNA INC., the BANKS listed on the signature pages hereof, and JPMORGAN CHASE BANK, as Administrative Agent.

John W. Rowe, M.D. Chairman, President and CEO (860) 273-4455
Aetna Inc /Pa/ • February 28th, 2003 • Hospital & medical service plans

On behalf of Aetna Inc. and its affiliates (the “Company”), I am pleased to offer you this special retention arrangement. As we discussed, given your current position with the Company, this arrangement is subject to review and approval by the Board of Directors of Aetna Inc. I plan to present this arrangement to the Board at its next regularly scheduled meeting. The terms of the arrangement are as follows:

364-DAY CREDIT AGREEMENT Dated as of November 27, 2002 among AETNA INC., as Borrower, The Banks Listed Herein and JPMORGAN CHASE BANK, as Administrative Agent
Day Credit Agreement • February 28th, 2003 • Aetna Inc /Pa/ • Hospital & medical service plans • New York

364-DAY CREDIT AGREEMENT dated as of November 27, 2002 among AETNA INC., the BANKS listed on the signature pages hereof, and JPMORGAN CHASE BANK, as Administrative Agent.

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