Mercer Marsh Benefits Transparency and Disclosure Statement 

美世达信福利(“MMB”)为客户提供管理成本的单一来源, people risks, and complexities of employee benefits. It is a combination of Mercer and Marsh, 全球领先的创新和可靠的健康和福利咨询战略解决方案, and brokerage services. 

We take pride in our transparency and disclosure approach, and we make the following commitments when working for our clients: 

• We engage in ethical business practices 
  
• 我们与客户一起定义我们的业务条款，包括我们的角色和责任
• We make available to our clients on request, and subject to local law and practices, 我们从保险公司和其他第三方获得的补偿，以及我们在为客户提供的服务中获得的利益
• 我们以诚信管理利益冲突，客户利益至上
   

Our commitments are applied throughout MMB globally, although how we are compensated, 根据我们提供的服务以及当地法律和惯例，我们披露的性质可能会有所不同. 

这份全球透明度和披露声明总结了MMB在全球范围内收到的薪酬类型. 有些国家可能由于当地惯例或当地法律法规的限制而无法获得下列某些类型的补偿. 因此，请向您当地的MMB顾问咨询有关特定实体的信息.

Broadly, MMB offers a wide range of services to its clients, with a variety of compensation arrangements with clients and insurers, including one or a combination of:

1. Fee arrangements
2. Commissions
3. Insurer services revenue
4. Other forms of compensation

1. Fee arrangements

Some clients may agree to pay a fee to MMB for the services it provides in lieu of, or in addition to, any commissions MMB receives from insurance companies. 费用金额将与客户商定，并包含在MMB与客户在业务开始时签订的服务合同中.

2. Retail Commissions

零售佣金由保险公司按向客户收取的保单保费的一定百分比支付给MMB. The amount of commission may vary depending on a number of factors, 包括客户所销售的保险产品种类和选择的保险公司, 佣金率可能因每笔交易而异，并不时发生变化.

3. Alternative Commissions  

除了零售佣金外，MMB可从保险公司收取以下不同类型的佣金: 

•  Additional Retail CommissionsMMB可能会在年初或特定时期与保险公司就某些类型的配售进行额外的零售佣金谈判, and they are fixed for the duration of that year/specific period.
• Threshold Commissions:  MMB也可以在年初或特定时期协商佣金(可称为或有或补充佣金)，只有当MMB达到商定的基于数量的门槛时才能获得佣金, retention, or growth of the relevant portfolio. MMB没有与保险公司签订任何以利润为基础的佣金安排.
  
• Distribution Fees:  commission structured differently across time, i.e. 第一年的佣金通常较高(代替经纪人的业务收购成本)。, and in subsequent years it drops to a lower level.
  

有关MMB保险公司佣金安排的更多信息，MMB客户可向MMB索取.

4. Insurer services revenue

MMB从保险公司获得由MMB(或MMB的代表)提供的特定投资组合相关服务的补偿。, in some cases by dedicated teams.  These insurer relationships are documented in formal service agreements.  Depending on the services, MMB可以获得基于费用的补偿或按保费百分比设定的补偿.

根据向保险公司提供的不同服务形式，MMB可获得以下三种类型的补偿: 

• Insurer Consulting Compensation: MMB的保险公司咨询团队可以为保险公司提供一系列咨询和数据分析服务，旨在改善MMB保单持有人提供的产品, assist insurers in identifying opportunities, and enhance insurers’ operational efficiency.  这些服务的赔偿仅按固定费用计算——MMB的保险公司咨询赔偿安排不包括基于百分比的赔偿, discretionary components, bonuses or variable elements.
• Insurance Solutions Compensation: MMB may create, manage and/or administer certain panels, portfolio facilities, quota shares, 线路单、授权机构和参与保险公司可以通过固定费用和/或保费的百分比补偿MMB为其或代表其开展的活动. 
  
• Work Transfer Compensation: MMB为保险公司或代表保险公司所做的行政工作可以从保险公司获得补偿, including where MMB assists with policy servicing, claims, and placement execution (which is unrelated to the work MMB carries out as broker, and for the avoidance of doubt, MMB will not receive compensation twice for the same service).  
  

有关MMB保险服务补偿安排的更多信息，MMB客户可向MMB索取.

5. Other forms of compensation 

MMB may also receive other forms of compensation including the following: 

• MMB may, from time to time, 参加保险公司赞助的促销活动或员工培训和发展, 有时MMB会被保险公司报销与促销营销相关的费用. 
• Additionally, in the process of handling clients' money we may earn interest on, or benefit from, investment income or exchange rates. 我们也从提供优质金融服务的公司那里收到付款，让我们的客户按月分期支付保费.
• 在某些国家，MMB还可能与第三方(包括保险公司)签订转介安排，将客户转介给这些第三方，由其提供产品或服务, and MMB may receive referral fees for this.

6. Requesting details of how we are paid

MMB的客户可以通过向他们通常的MMB联系人提出请求，获得有关我们如何付款的进一步详细信息.

根据我们提供的服务以及当地法律和惯例，我们如何获得补偿以及我们可以披露的信息水平可能会发生变化. 

7. Related Party Transactions

我们和我们的子公司或附属公司拥有某些保险公司和再保险公司的股份并与之签订合同. 我们还拥有或拥有其他保险相关业务的权益，这些业务可能提供与客户账户相关的服务.

If you have any questions about MMB’s transparency and disclosure commitments, or would like information on the compensation we receive, please do not hesitate to contact your MMB client contact.