Benefits Handbook

Generally, if you were an employee of a participating company and transferred to Marsh Risk Consulting Practice of Marsh USA or certain departments of the Marsh Risk Consulting Practice (MRC), Forensic Construction (FFC) or Kroll Corporate Preparedness during the period beginning on July 12, 2004 and ending on December 31, 2007, you will continue to participate in the Plan, provided you remained continuously employed by MRC, FFC, or Kroll Corporate Preparedness during the specified period.

If you are an employee who remained a participant in the Plan following your transfer to Marsh ClearSight LLC or Marsh & McLennan Agency during the period beginning on January 1, 2009 and ending on February 28, 2011 and you transfer to MRC, FFC or Kroll Corporate Preparedness without terminating your employment with the Marsh McLennan World-wide Controlled Group, you will continue to participate in the Plan, provided you remain continuously employed with MRC, FFC or Kroll Corporate Preparedness.