If you are at least 18 years of age, you become eligible to make employee contributions as soon as you are classified on payroll as a U.S. salaried employee of MMC or any subsidiary or affiliate of MMC (other than Kroll and any of its subsidiaries) or if you are classified as a regular employee of Kroll.

You are eligible for Company Matching Contributions if you elect to contribute and have one year of service. If you are an hourly employee of MMC or leased employee of MMC or Kroll and are subsequently hired by MMC as a salaried employee or Kroll as a regular employee or you participated in a merged plan, you may be eligible for Company Matching Contributions immediately.

References in this document to 'MMC'' means Marsh & McLennan Companies, Inc. and its subsidiaries and affiliates other than Kroll Inc. and its subsidiaries and affiliates. Reference to 'Kroll' means Kroll Inc. and its subsidiaries and affiliates. Reference to 'Company' means MMC and Kroll.