Amendments to any health or welfare plan provision, such as those regarding eligibility for coverage and the benefits provided under these plans, are made by updating this Benefits Handbook and, where applicable, these plans' Guide to Benefits. Any such amendments are communicated to you by revising the Benefits Handbook, or through Marsh & McLennan Companies, Inc.'s internal employee communication channels, and, where applicable, these plans' Guide to Benefits.

Amendments to any retirement or savings plan provision, including amendments regarding eligibility for participation and the benefits provided under these plan, are made only by written amendments to the applicable plan document. Amendments may be made by the Board of Directors of Marsh & McLennan Companies, Inc. The Board of Directors has in the past delegated to certain officers authority to adopt amendments necessary to keep these plans tax qualified or to make de minimis changes. Any material amendments are communicated to you by revising this section of the Benefits Handbook, or through Marsh & McLennan Companies, Inc.'s internal employee communication channels, including the distribution of a Summary of Material Modifications.