Participating in the Plan

If you are at least 18 years of age, you become eligible to make employee contributions as soon as you are classified as a U.S. regular or temporary employee (including U.S. expatriates) of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than MMA and any of its subsidiaries), paid on a U.S. payroll.

You are eligible for Company matching contributions if you elect to contribute and have completed one year of vesting service. If you are a leased employee of Marsh & McLennan Companies and are subsequently hired by Marsh & McLennan Companies as a U.S. regular or temporary employee or you participated in a merged plan, you may be eligible for Company matching contributions immediately.

You are not eligible to participate in the Plan if you are an employee of a non-participating company who is performing services for a U.S. company, whose legal employer remains a non-participating company.

References in this document to "Marsh & McLennan Companies" means Marsh & McLennan Companies, Inc. and its subsidiaries and affiliates other than Marsh & McLennan Agency LLC and its subsidiaries and affiliates. Reference to "MMA" means Marsh & McLennan Agency LLC and its subsidiaries and affiliates.