Revised: Feb 9, 2011

PLEASE READ THESE TERMS AND CONDITIONS OF ACCESS ("TERMS") BEFORE ACCESSING THE MEMORANDUM OF INSURANCE ("MOI"). By selecting the "I Accept" button below, you signify your acceptance of the TERMS. From time to time, Marsh Inc. and/or its subsidiaries, as applicable ("Marsh") may modify the TERMS. Accordingly, please continue to review the TERMS whenever accessing the MOI. If, at any time, you do not wish to accept the TERMS, you may not use this Site.

1. User Assent to Terms and Conditions of Site. You represent that you have read and agree to be bound by the TERMS. You further agree: (i) to comply with applicable law regarding the transmission of any data obtained from this Site; and (ii) not to use this Site for illegal purposes.

2. Intellectual Property. The MOI is protected by copyrights, trademarks, Service marks and/or other proprietary rights and laws of the U.S. and other countries. You agree to abide by all applicable copyright and other laws, as well as any additional copyright notices or restrictions contained on the Site.

3. Restrictions on Use. You may not use the Site in any manner inconsistent with the TERMS. You agree to use the Site solely for the use and benefit of your own organization, and not for resale or other transfer to, or use by or for the benefit of, any other person or entity. You may download material from the site and/or make print copies for use within your organization, provided that all copies retain all copyright and other proprietary notices, that you do not modify the MOI or other material in any way, and that you do not distribute any copies outside your organization. You may not use any of Marsh's names or marks in any manner that creates the impression such names or marks belong to or are associated with you or imply any endorsement by Marsh, and you acknowledge that you have no ownership rights in and to any of these names or marks. You will not use the Site, the information contained therein or any of Marsh's names or marks in unsolicited mailings or spam material. You may not link directly to the MOI ("deep link") or bring up or present the MOI or other content of this site within another web site ("frame"), except with the express prior written consent of Marsh. You may not (i) use or access the Site in a manner that could damage, disable, overburden, or impair any Marsh server or the networks connected to any Marsh server; (ii) interfere with any third party's use and enjoyment of the Site; (iii) attempt to gain unauthorized access to the Site, accounts, computer systems, or networks connected to any Marsh server through hacking, password mining, or any other means; (iv) sublicense any license granted hereunder (whether or not any of such acts are for commercial gain or advantage); or (v) access the Site in order to build a competitive product or service, or copy any features, functions or graphics of the Site.

4. License. You acquire no rights or licenses in or to the Site and materials contained therein other than the limited right to utilize the Site and MOI in accordance with the TERMS.

5. Rights Reserved. All present and future rights in and title to the Site (including the right to exploit the Site and any portions of the Site over any present or future technology) are reserved to Marsh.

6. Disclaimer and Limitation of Liability. You agree that your use of the Site is at your sole risk and acknowledge that the Site and anything contained therein, including, but not limited to the MOI are provided "AS IS" and that Marsh makes no warranty or representation of any kind, express or implied, including, but not limited to, merchantability, or fitness for a particular purpose or use. Marsh does not warrant that the Site is compatible with your equipment.

7. Limitation of Liability. MARSH SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES EVEN IF AN AUTHORIZED REPRESENTATIVE OF MARSH HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING FROM USE OF OR INABILITY TO USE THE SITE OR ANY ITEMS ON THE SITE OR ANY PROVISION OF THE TERMS. (Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages.)

8. Representations and Warranties. You represent, warrant and covenant that you: (i) have the power and authority to enter into this agreement; and (ii) shall use the Site only as set forth in these TERMS.

9. Indemnification. You agree to indemnify, defend and hold harmless Marsh and its employees, representatives, and agents, against any claim, suit, action or other proceeding, to the extent based on or arising in connection with your use of the Site, including, but not limited to: (i) your use or someone using your computer's use of the Site; (ii) a violation of the TERMS by you or anyone using your computer; (iii) any deletions, additions, insertions or alterations to, or any unauthorized use of, the MOI or the Site by you or someone using your computer; or (iv) any misrepresentation or breach of representation, warranty or covenant made by you contained herein. You agree to pay any and all costs, damages and expenses (including reasonable attorneys' fees) and costs awarded against or incurred by or in connection with or arising from any such claim, suit, action or proceeding.

10. Governing Law. These TERMS shall be governed and construed in accordance with the laws of the State of New York, without giving effect to conflicts-of-law principles thereof.

11. Access Outside the United States. If you choose to access the Site from outside the United States, you are responsible for compliance with foreign and local laws.

12. Sanctions and Export Controls. These Terms and your use of the Site and materials obtained through the Site are expressly made subject to any laws, regulations, orders or other restrictions which may be imposed by the Government of the United States of America on the transaction of business activities with certain countries or nationals or residents of certain countries. The Site and MOIs are not available through Marsh to any Restricted Entity (as defined below). You represent and warrant that neither you nor your organization is a Restricted Entity nor are you or your organization using the Site or MOIs on behalf of or for the benefit of a Restricted Entity. "Restricted Entity" shall mean any individual or organization owned or controlled by, or acting as an agent for, any person or entity with whom a U.S. citizen, national, or company organized under the laws of or operating in the U.S. is prohibited from engaging in transactions by U.S. laws, including without limitation, a person on the Specially Designated Nationals List published by the U.S. Department of the Treasury's Office of Foreign Assets Control.

13. Agent For Notice Of Claimed Copyright Infringement. Marsh respects the intellectual property rights of authors. To assist copyright owners, Marsh has appointed an agent to receive notifications of claims or allegations of copyright infringement regarding materials available or accessible on, through, or in connection with the Site. Any person authorized to act for a copyright owner may notify us of such claims by contacting us in writing at the following address:

                                    General Counsel, Marsh
                                    Attn: Copyright Agent
                                    1166 Avenue of Americas
                                    New York, NY 10036

14. Injunctive Relief. You acknowledge and agree that any violation of these Terms may result in irreparable injury and damage to Marsh that may not be adequately compensable in money damages, and for which Marsh will have no adequate remedy at law. You, therefore, consent and agree that Marsh may obtain injunctions, orders, or decrees as may be reasonably necessary to ensure compliance with these Terms. You hereby waive any requirement of the posting of a bond that may apply for issuance of any injunctions, orders, or decrees.

15. Miscellaneous. Marsh may assign our rights and obligations under this Agreement, without notice, to: (a) any affiliate of Marsh; or (b) any party or its affiliate acquiring all or substantially all of the assets or stock by merger or otherwise of Marsh or any affiliate of Marsh. This Agreement may not be assigned by you without our prior written consent. Our failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement shall be deemed invalid, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

16. Official Correspondence. Official Correspondence must be sent via postal mail to: Marsh Inc., 1166 Avenue of the Americas, New York, NY 10036, Attn.: General Counsel.