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Disclaimer

Merck flexible benefits are available to employees of Merck & Co., Inc., Merck Holdings, Inc., Merck and Company, Incorporated, KBI Enterprises, Inc., and Merck Liability Management Company not covered by collective bargaining agreements, and to employees of Merck & Co., Inc. covered by collective bargaining agreements who have negotiated to accept flexible benefits.

This newsletter is intended to give you an overview of the 2002 changes to the Flexible Benefits Program and the plans included therein but it is not an official plan document or a summary plan description. If any information in this newsletter conflicts in any way with the official plan document(s), including any contract(s) of insurance purchased, pursuant to the plan document(s), the provisions of the plan document(s), as amended, including the contract(s) of insurance, as applicable, will govern. For further details concerning any of these plans, refer to your summary plan descriptions (also known as the Merck Benefits Book) and summary of material modifications thereof, copies of which can be obtained by sending a request via e-mail to Employee Services with your current internal mail drop (home address for sales force) or by calling 800-255-5794.

Also, keep in mind that with the exception of information about benefits that are part of Merck’s Flexible
Benefits Program, the Merck Benefits intranet Web site referred to in this guide (found on Merck's intranet at
http://humres.merck.com/benefits) applies only to non-union flex-eligible employees.

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