Enrollment operates on a Plan year basis.

You can enroll in the Plan:

If you receive a mid-year salary change that increases your annual base pay above the Compensation Limit eligibility threshold, you must wait until the next Annual Enrollment for an invitation to participate.

As a new hire, you have a 30-day window period from your hire date to enroll in the Supplemental Savings & Investment Plan if eligible.

You must make elections under both the Supplemental Savings & Investment Plan and the 401(k) Savings & Investment Plan to enroll in the Plan. See "Supplemental Savings & Investment Plan New Hire Enrollment Elections" for more details and important information about the enrollment process.

To meet the transaction submission deadline for enrollment, go online to ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662 by 4 p.m. Eastern time at least 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) before the next pay date. If you do not give at least 11 or 5 business days' notice respectively, your enrollment will be effective the first day of the second pay period following your notice. Contact the MMC Employee Service Center if a holiday falls within the processing cycle to confirm the transaction submission deadline.

If you remain eligible to participate in the Supplemental Savings & Investment Plan, you must make an election during Annual Enrollment to participate in the Plan for the upcoming year. If you do not make an election, your deferrals will end with the last payroll of the Plan year. The Plan year is defined as January – December within this document.

Generally, deferrals will start in the pay period in which you reach an IRS limit under the 401(k) Savings & Investment Plan.

You must make elections under both the Supplemental Savings & Investment Plan and the 401(k) Savings & Investment Plan during your 30-day new hire enrollment or a subsequent Annual Enrollment period to participate in the Plan. (An auto-enrollment under the 401(k) Savings & Investment Plan is not a valid active enrollment election for purposes of having a valid 401(k) Savings & Investment Plan and Supplemental Savings & Investment Plan election.)

If you elect the Supplemental Savings & Investment Plan and make no 401(k) Savings & Investment Plan election within 30 days of hire, your Supplemental Savings & Investment Plan election will be considered incomplete and void. If subsequent to the 30 day new hire enrollment period, you are auto-enrolled (intra-Company transfers will not be auto-enrolled) in the 401(k) Savings & Investment Plan at 3%, this election will be your accepted 401(k) Savings & Investment Plan contribution rate. The option to elect the Supplemental Savings & Investment Plan will not be available until the next Supplemental Savings & Investment Plan Annual Enrollment period if you remain eligible.

Under the Supplemental Savings & Investment Plan you may:

Under the 401(k) Savings & Investment Plan you may:

You cannot make any traditional after-tax contributions to the 401(k) Savings & Investment Plan if you wish to participate in the Supplemental Savings & Investment Plan for the year. Please note that Roth 401(k) contributions and Roth catch-up contributions do not affect your ability to participate in the Supplemental Savings & Investment Plan for the year.

You cannot make any changes to your deferral elections under the Supplemental Savings & Investment Plan and the 401(k) Savings & Investment Plan during the Plan year. On the 30th day from your date of hire, a block will be placed on your contribution rate following Annual Enrollment. The deferral election on file on the 30th day or the last deferral election on file will be the election processed.

For example:

Once you save your elections, a confirmation number will be provided on ibenefitcenter under each plan. A confirmation statement for each plan generally will be mailed to you within two business days of processing.

At the beginning of the next enrollment period, the block will be lifted and you can make changes to your deferral elections during Annual Enrollment under both the 401(k) Savings & Investment Plan and the Supplemental Savings & Investment Plan for the following year.

Your Supplemental Savings & Investment Plan contributions will not begin until you have reached an IRS limit, as applicable, under the 401(k) Savings & Investment Plan.

You may go online to the Supplemental Savings & Investment Plan at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662 to elect your:

Separately, you will also need to go online to the 401(k) Savings & Investment Plan at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662 to:

Your distribution elections under the Supplemental Savings & Investment Plan include options to select:

Your initial distribution election takes effect immediately. All subsequent changes to your distribution elections for your account balances are required to be on file for at least 12 months to be effective. Special rules apply if you do not make a distribution election when you first enroll.

If you do not make a distribution election when you first enroll, you will receive your post-2004 account balances in a lump-sum payment following retirement, disability or death. If you change your distribution election for your post-2004 balances, your change cannot accelerate payment of your post-2004 balances. Changes to your distribution election for your post-2004 balances may only extend your payment term, not shorten it. For example, you may change the duration of your installment payments from five to ten years but not vice versa. The only exception is that you may change from installments to a single lump-sum payment.

If you change your distribution election for your post-2004 balances, your first payment will be delayed at least five years (disability and death are not subject to five year delay) from the date it otherwise would have been made.

Under "How Benefits Are Paid" see "Distribution Elections/Changes" for more details and important restrictions on changing distribution elections.

You may go online to the Supplemental Savings & Investment Plan at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) to make an election.

Each year that you are eligible (your annual base pay exceeds the IRS limit on compensation for tax qualified plans), you will be invited to participate in the Supplemental Savings & Investment Plan. At that time you must actively enroll in the Plan.

If you choose to participate, you must make your deferral elections during the Supplemental Savings & Investment Plan's Annual Enrollment period. A new notional investment direction election is not required.

Please remember, you must make two separate elections to enroll in both the Supplemental Savings & Investment Plan and the 401(k) Savings & Investment Plan. Unless you have an active election in the 401(k) Savings & Investment Plan and make an active annual election in the Supplemental Savings & Investment Plan during Annual Enrollment, the election to participate in the Supplemental Savings & Investment Plan will be considered incomplete and void. A 401(k) Savings & Investment Plan automatic enrollment is not considered a valid active enrollment election for your Supplemental Savings & Investment Plan enrollment. Your opportunity to participate in the Supplemental Savings & Investment Plan for the upcoming Plan year will be considered forfeited.

Under the Supplemental Savings & Investment Plan you may:

Under the 401(k) Savings & Investment Plan you may:

You cannot make any traditional after-tax contributions to the 401(k) Savings & Investment Plan if you wish to participate in the Supplemental Savings & Investment Plan for the year. Please note that Roth 401(k) contributions and Roth catch-up contributions do not affect your ability to participate in the Supplemental Savings & Investment Plan for the year.

Once you save your elections, you will receive a confirmation number under each plan. A confirmation statement for each plan generally will be mailed to you within two business days of processing.

You may go online to the Supplemental Savings & Investment Plan at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662 to elect or change your:

A Supplemental Savings & Investment Plan deferral rate election is required each year. A new notional investment direction election is not required. You may want to review your notional investment direction elections at least annually.

Separately, you will also need to go online to the 401(k) Savings & Investment Plan at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662 to make any changes to your:

Your distribution elections under the Supplemental Savings & Investment Plan include options to select:

Special rules apply if you do not make a distribution election when you first enroll or if you wish to change your distribution elections. Under "How Benefits Are Paid" see "Distribution Elections/Changes" for more details and important restrictions on changing distribution elections.

Your initial distribution election takes effect immediately. If no initial distribution election is made your account balance will be paid as a single lump-sum in the year that your employment ends. All subsequent changes to your distribution elections for post-2004 account balances (post-2004 deferrals, related Company Matching Credits and related notional investment earnings, if any) are required to be on file for at least 12 months to be effective. If you change your distribution election, your first payment will be delayed at least 5 years from the date it otherwise would have been made (delay not applicable in cases of death and disability). You may go online to the Supplemental Savings & Investment Plan at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) to make an election.

You cannot change your installment distribution election once you are in payment status.

You may change the method and timing of your distribution election for your pre-2005 account balance (pre-2005 deferrals, related Company Matching Credits and related notional investment earnings, if any). Your election must be on file for at least 12 months before you are first eligible for a distribution to be effective.

If your most recent election was in effect less than 12 months before you retire, or die, your pre-2005 account balance will be paid in accordance with any previous election that was on file for at least 12 months.

If no election has been on file for at least 12 months, your pre-2005 account balance will generally be paid in a single lump-sum in the year that your employment ends.

You cannot change your installment distribution election once you are in payment status.

To verify your elections, you can go online at ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com). If you have completed a form and your election does not appear online, contact the MMC Employee Service Center at 1-866-374-2662. A confirmation statement will also be mailed to you, generally within two business days of processing your elections.