Benefits Handbook

If you are an employee of a participating company who is an Active Participant in the Plan and transferred to Marsh ClearSight LLC on or after January 1, 2009, you will continue to participate in the Plan provided you remain continuously employed by Marsh ClearSight LLC.

If you are an employee of a participating company who transferred to Marsh ClearSight LLC during the period beginning on January 1, 2005 and ending on December 31, 2008, you will continue to participate in the Plan provided you remain continuously employed by Marsh ClearSight LLC.

If you are an employee who remained an Active Participant in the Plan following your transfer to MRC, FFC, or Kroll Corporate Preparedness or to Marsh & McLennan Agency during the period beginning on January 1, 2009 and ending on February 28, 2011 and you transferred to Marsh ClearSight LLC, 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 Marsh ClearSight LLC.