Participating in the Plan

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	Group Umbrella Liability Insurance Plan

	The Plan at a Glance

	Participating in the Plan

		Eligibility

		Enrollment

		When Coverage Ends

		Underlying Primary Levels of Coverage

		Cost of Coverage

		When Coverage Ends

	How the Plan Works

	Exclusions

	Glossary

Participating in the Plan

"You," "Your," and "Employee"

As used throughout this plan summary, "employee", "you" and "your" always mean:

• For Kroll participants: a U.S. full-time regular employee of Kroll, Inc and any of its subsidiaries

• For MMC participants: a U.S. salaried employee of MMC or any subsidiary or affiliate of MMC (other than Kroll, Inc. and any of its subsidiaries).

The following section provides information on how you start participating in the program.

If you are an employee of MMC or any subsidiary or affiliate of MMC and you meet the requirements set forth below, you become eligible on your eligibility date.

MMC Employees (other than Kroll)

As used throughout this plan summary, "MMC Employees (other than Kroll)" are defined as employees classified on payroll as U.S. salaried employees of MMC or any subsidiary or affiliate of MMC (other than Kroll Inc., and any of its subsidiaries).

Kroll Employees

As used throughout this Plan summary, "Kroll Employees" are defined as employees classified on payroll as U.S. full-time regular employees of Kroll, Inc. or any of its subsidiaries.