THE INTERPUBLIC GROUP OF COMPANIES, INC.

AND SUBSIDIARIES

2020 Summary of Benefits While on a Furlough/Unpaid Leave of

Absence (non-FMLA)

GENERAL

The information that follows summarizes the provisions of Interpublic’s Employee

Benefit Plans while on a furlough/unpaid leave of absence. After reviewing this
summary, if you have questions, please contact your local Human Resources
representative.

Furlough/Unpaid Leave of Absence (Non-FMLA)

If you are on a furlough/unpaid leave of absence that is considered non-FMLA,

your benefits including medical, dental, vision, optional life, AD&D and disability
will remain active for up to two months (i.e., if your leave begins on 4/1, benefits
will continue until 6/1). Once the two months have been exhausted, your benefits
will terminate and you will be offered COBRA for the applicable benefits.

Benefit Payments While on Furlough/Unpaid Leave

When you return to work, the benefit deductions that were not taken during this
time period will be applied to your upcoming paychecks.

MEDICAL, PRESCRIPTION DRUG, TELADOC, TALKSPACE, VISION and DENTAL

BENEFITS

Coverage under the Interpublic Group Medical Plan (UnitedHealthcare

PPO1/PPO2/CDHP, or Kaiser Health Plans) including prescription drug coverage
(Express Scripts), Teladoc, Talkspace, Vision Care Plan (VSP) and Dental Plans
(MetLife PDP and Cigna DHMO) will be effective while you are on a furlough/unpaid
leave of absence.

Within two to three weeks of your coverage termination date, you will receive
information from our COBRA administrator, Benefit Connect COBRA Service Center.
In general, medical (including prescription drugs), dental, vision and EAP coverage
may be continued for up to 18 months at the applicable COBRA rates. For more
information on COBRA, you may call Benefit Connect at (877) 292-6272 or you can
access information online at: http://cobra.ehr.com.

If you are eligible for Medicare, please note that all medical plans through
COBRA will act as secondary coverage. Please read your COBRA notice
carefully for more information regarding Medicare or visit www.medicare.gov.

Important: COBRA coverage will not be reinstated until the first premium
payment is made. Details are provided in the COBRA notice which will be
mailed to your home address.
As an alternative to COBRA, you may want to consider coverage through a state or
federal Health Insurance Marketplace. If you enroll in Marketplace coverage, you
may be eligible for a tax credit that lowers your monthly premiums. If you do not
enroll in marketplace coverage within 60 days of your loss of coverage, you may
not enroll until the Annual Enrollment period. More information will be included on
your COBRA notice, or you can visit www.healthcare.gov.

HEALTH SAVINGS ACCOUNT (HSA)

You will not be able to make contributions to your Health Savings Account while
on a furlough/unpaid leave. However, you may continue to contribute to your HSA
on an after-tax basis—please consult with your tax advisor for more information
regarding after-tax contributions. Optum Bank should also be contacted directly
at (877) 620-6194 regarding after-tax contributions, or log into your account at
www.optumbank.com.

Health Care Flexible Spending Account & Limited Purpose HCFSA

Your deductions will be suspended while you are on a furlough/unpaid leave.

After two months, you will no longer be able to participate in these accounts
unless you elect to continue your coverage through COBRA. Once these benefits
are terminated, coverage ends end at midnight on the date you are no longer
eligible for coverage.

When you return to work your deductions will be recalculated in order to reach
your annual goal amount. However, under the provisions of COBRA, you may
continue to contribute to these accounts on an after-tax basis for the remainder of
the plan year.

DEPENDENT CARE ACCOUNT – DCFSA

Please note that the IRS does not allow employees to continue this benefit or
submit claims for the period that they are on a furlough/leave of absence.
When you return to work, the benefit will be reinstated and deductions will
resume.

TRANSPORTAION MANAGEMENT PROGRAM –TRANSIT & PARKING

You will not be able to contribute to this program while unpaid, however, your
WageWorks transit and parking card will remain active and any available funds may
be used. Your Transit Commuter Card becomes Inactive 90 days after your
coverage end date and your Parking card becomes Inactive at midnight on the date
you are no longer eligible for coverage. Once the Transit and Parking cards are
Inactive, the funds will be removed from the card. Any pre-tax funds remaining
will be forfeited. Any remaining post-tax dollars will be reimbursed to you by
check or direct deposit from WageWorks. Please contact WageWorks directly at
(877) 924-3967 or log into your account at www.wageworks.com for additional
details and account(s) balances.

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OPTIONAL LONG-TERM DISABILITY & ACCIDENTAL DEATH AND
DISMEMBERMENT PLAN

Your optional long-term disability benefits will continue for two months while you
are on a furlough/unpaid leave of absence after which this benefit will be
terminated.

EMPLOYEE AND DEPENDENT LIFE INSURANCE – BASIC & SUPPLEMENTAL

There is no charge for the Employee Basic Life Insurance. After two months,
coverage will end and all or a portion of your coverage may be converted to an
individual policy without evidence of insurability provided you apply within 31 days
of coverage end date. If you were enrolled for supplemental life coverage, you may
be eligible for a special portability feature as an alternative to conversion. MetLife,
your group life insurance carrier, will be mailing you a personalized notice of
conversion privilege and/or portability options once they are notified that your
benefits have terminated. Following receipt of this notice, you may be contacted
by a MetLife Financial Services Representative to assist you with your time sensitive
benefit decisions or if not, you may contact MetLife directly at (877) 275-6387.

GROUP LEGAL

Eligibility for Legal Services will cease while on a furlough/unpaid leave.

EMPLOYEE ASSISTANCE PROGRAM

This benefit will remain in effect for as long as you are on an approved leave of
absence at no cost to you. After 8 weeks, your coverage under Interpublic’s
Employee Assistance Program (“EAP”), supported by CCA, Corporate Counseling
Associates, will continue for three months after the termination date. CCA
provides you with free access to resources and services including valuable
counseling, which can help address the emotional impact of changes, as well as
free access to experts who can help you with financial services, life events, job and
career questions and concerns, child care services and much more. Please note, if
you or a family member is receiving counseling through EAP when your coverage
ends, counseling may continue until the short-term treatment is complete.

IPG BEST Benefits

Critical Illness and Group Accident

Coverage ends on the day you are placed on a furlough/unpaid leave of absence,
and MetLife will begin direct billing immediately once you are placed on an unpaid
leave of absence. If you have any questions, please contact MetLife directly at
(877) 275-6387.
Home and Auto
Coverage will end effective the day you are placed on a furlough/unpaid leave. For
questions regarding your policy, you may contact each respective carrier, MetLife
at (800) 438-6388 or Liberty Mutual (800) 289-8018 in order to continue this

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coverage and set up direct billing. You may also contact IPG BEST Customer Care
at (866) 564-5454.

Pet Insurance
Coverage will end effective the day you are placed on furlough/unpaid leave. To
convert to an individual policy, please contact IPG Best Customer Care at (866)
564-5454.

Identity Theft Plan

Coverage will end effective the day you are placed on furlough/unpaid leave.

Gym Membership
For billing questions, you may contact each respective gym, Equinox at (866) 332-
6549 or Crunch at (212) 993-0340. You may also contact IPG Best Customer Care
at (866) 564-5454.

SAVINGS PLAN

You will not be able to make contributions to the Plan and will not receive any
allocations of Company Matching contributions for the period of your
furlough/unpaid leave. If you have an outstanding loan(s) in the IPG Savings Plan
and are on an approved furlough/unpaid leave of absence, loan payments are
suspended. The outstanding loan will be reamortized when employment is
reinstated. To avoid an increased repayment amount, you have the option to make
repayments directly to Empower Retirement. For more details and instructions,
contact Empower Retirement directly at (844) 866-4474 (4IPG).

EMPLOYEE STOCK PURCHASE PLAN:

If you have any questions regarding the Employee Stock Purchase Plan, please
contact Computershare directly at (800) 238-5712 or you access your account
online at www.us-computershare.com/employee.

This summary contains only certain provisions of Interpublic’s Employee Benefit Plans and does not
attempt to cover all the details. The details are contained in contracts and other legal documents,
which prevail in the event of a conflict between this summary and the Plans.

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If you have questions regarding Interpublic’s Employee Benefits Plans, you should review the Summary
Plan Descriptions or contact your local Human Resources Administrator or the Interpublic Corporate
Benefits Department.