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                MARSH & McLENNAN COMPANIES

                Corporate Governance

                CORPORATE GOVERNANCE

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                Sound corporate governance principles, acting with integrity, and maintaining the trust of our shareholders are among our most important values and practices at Marsh & McLennan Companies. Included here are our guidelines, bylaws, and charters.

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                Certificate of Incorporation and Bylaws

                Marsh & McLennan Companies Restated Certificate of Incorporation

                Marsh & McLennan Companies Bylaws

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                Guidelines

                Marsh & McLennan Companies' Guidelines for Corporate Governance summarize certain policies and practices that assist the Board of Directors in fulfilling its fiduciary obligations to the Company's shareholders. These guidelines are intended to enhance the Board's effectiveness in overseeing the work of Marsh & McLennan Companies management, which is responsible for conducting the Company's business.

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                Guidelines for Corporate Governance

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                Selected Marsh & McLennan Companies Senior Executives are expected to hold Marsh & McLennan Companies equity at certain levels.

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                Senior Executive Stock Ownership Guidelines

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                Committee Charters

                Charters for the Audit Committee, the Compensation Committee, the Corporate Responsibility Committee, and the Directors and Governance Committee have been adopted by the Marsh & McLennan Companies Board of Directors and can be viewed here:

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                Audit Committee Charter

                Compensation Committee Charter

                Corporate Responsibility Committee Charter

                Directors and Governance Committee Charter

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                Code of Ethics for the CEO and Senior Financial Officers

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                Marsh & McLennan Companies has adopted a Code of Ethics for the Chief Executive Officer and Senior Financial Officers, which applies to our Chief Executive Officer, Chief Financial Officer, and Controller. This Code of Ethics can be viewed here.

                Marsh & McLennan Companies is committed to complying with all applicable accounting standards, internal accounting controls, audit practices, and securities laws and regulations (collectively, "Accounting Matters"). To raise a complaint or concern regarding Accounting Matters, you may contact the Company by mail, telephone, or online.

                Procedures for Raising Complaints and Concerns Regarding Accounting Matters

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                By Mail:

                Marsh & McLennan Companies, Inc.?

                Audit Committee?c/o

                Corporate Secretary?1166 Avenue of the Americas, Legal Department?

                New York, NY 10036

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                By telephone or online:

                Click?here?for dialing instructions or to raise a concern online.

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