Yes. As a shareholder in the Company, you have voting rights. You will be sent voting information, accompanied by a proxy statement, for shares you purchased through the Plan, when shareholders are entitled to vote. For example, shareholders can vote on the election of the Company's board members.

You vote your stock by following the instructions included with the proxy statement. Your vote is kept confidential and not revealed to any employee, officer, or director of the Company.

Your shares are automatically registered to you when they are purchased under the Plan.

Afterwards, you can share ownership of your shares, also known as joint registration. You may also move the shares to a brokerage account, where you can transfer the ownership of your stock to someone else.

However, your ability to resell shares of MMC stock may be restricted. If you are an "affiliate" of MMC, you will, in order to resell such shares, be required either to observe resale limitations of Rule 144 of the Securities Act of 1933, as amended (the Securities Act) or offer your shares for resale in compliance with another applicable exemption from the registration requirements of the Securities Act. An "affiliate" is defined for purposes of the Security Act, as a person who directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with, MMC, and a "person" is defined to include any relative or spouse of the person and any relative of the person's spouse who has the same home as the person, any trust, corporation or other organization in which the person or any of the foregoing persons has collectively more than a 10% beneficial interest, and any trust for which the person or any of the foregoing persons serves as trustee, executor or in any similar capacity.

Yes. You can register your shares with another adult member (over age 18) of your family. Shares registered in your name jointly with another adult are registered as "joint tenants with right of survivorship." In a joint tenant with right of survivorship arrangement, if one tenant dies, the stock will be owned by the other.

The joint tenant that you add to your Smith Barney Stock Purchase Plan account will have full rights over your account (e.g., selling shares).

Once a joint tenant is added to your account, it will apply to all plan years and cannot be changed except in the event of:

The Plan permits only one joint tenant to your book entry account.

To add a joint tenant, complete the "Add A Co-Owner Form" available on the Smith Barney website.

You can request that the shares in your Smith Barney Stock Purchase Plan account 1) be transferred via DTC (Depository Trust Corporation) to your own brokerage account elsewhere or into a Smith Barney retail brokerage account, or 2) be sent to you in the form of a stock certificate. Both methods are free of charge.

To transfer shares from your account, complete the Smith Barney form entitled "Stock Plan Services, Letter of Authorization for Stock Transfers," available from the Smith Barney website.

To request a certificate for some or all of the shares in your account, complete the Smith Barney form entitled "Stock Plan Services, Certificate Request," available from the Smith Barney website.

Note: Only whole shares may be transferred or sent via certificate; you may receive a check for any fractional shares or you may keep the fractional shares in your account.