You can direct future contributions (before-tax, Roth 401(k) and traditional after-tax employee contributions, catch-up and Roth catch-up contributions, and Company Matching Contributions) into one or more of the investment funds offered under the Plan. Your investment directions for Company Matching Contributions can be different from your investment directions for your employee contributions.

If you make a rollover contribution from a previous employer's plan, you also may invest that portion in one or more of the investment funds offered under the Plan. Similarly, if you have a balance from a prior plan that merged into the 401(k) Savings & Investment Plan, you may invest that portion in any of the funds in the Plan's investment lineup.

You may obtain the Investment Return Fact Sheet, fund fact sheets, or offering statement, and prospectuses by going to ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or by calling the MMC Employee Service Center at 1-866-374-2662. If you make no election, your contributions will be invested in the Vanguard Wellington Fund. Generally, you may transfer or reallocate your account balance to new funds at any time.