MERCK GROUP LEGAL PLAN SUMMARY PLAN DESCRIPTION

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1 MERCK GROUP LEGAL PLAN SUMMARY PLAN DESCRIPTION Effective Jan. 1, 2014 Released Oct. 8, 2013

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3 This Summary Plan Description (SPD) describes the group legal benefits provided under the Merck Other Group Benefits Plan as it applies to U.S.-based* employees of the wholly owned subsidiaries of Merck & Co., Inc. (excluding Telerx Marketing, Inc., Comsort, Inc., Vree Health LLC and Merck Global Health Innovation Fund, LLC and each of their subsidiaries) and excluding employees subject to a collective bargaining agreement with the United Steelworkers Union Local A list of the collective bargaining units whose members are eligible to participate in group legal benefits under the Merck Other Group Benefits Plan as described in this SPD is included as Exhibit A. FREQUENTLY USED TERMS Key words that are frequently used in the SPD are capitalized and defined in the Glossary. The group legal benefits described in this SPD provided under the Merck Other Group Benefits Plan are referred to in this SPD as the Group Legal Plan, the Legal Plan or the Plan. ABOUT THIS SPD This SPD does not apply to any employee or former employee of Merck & Co., Inc. or its subsidiaries or joint ventures other than those specified above. This SPD merely summarizes the group legal benefits provided under the Merck Other Group Benefits Plan effective Jan. 1, 2014 to the employees described above. This SPD reflects the provisions of the Group Legal Plan in effect as of Jan. 1, It replaces the SPD effective Jan. 1, 2012 entitled The Merck Group Legal Plan Your Summary Plan Description and all applicable summaries of material modifications dated before Jan. 1, RIGHT TO AMEND OR TERMINATE THE PLAN The Plan Sponsor reserves the right to amend the Merck Other Group Benefits Plan, including but not limited to the group legal benefits provided under the plan, in whole or in part to completely discontinue the Merck Other Group Benefits Plan at any time. * U.S.-based excludes Puerto Rico.

4 TABLE OF CONTENTS Introduction... 1 Your Group Legal Benefits... 1 Benefits Contacts and Resources... 1 General Information... 3 About Group Legal Benefits... 3 Group Legal Eligibility... 3 Enrolling in Group Legal Benefits... 3 How to Enroll... 4 When Coverage Begins... 4 Paying for Group Legal Benefits... 4 Making Changes to Your Coverage... 5 When Group Legal Coverage Ends... 5 How the Merck Group Legal Plan Works... 6 Merck Group Legal Plan Benefits... 6 Using the Plan... 6 Merck Group Legal Plan at a Glance... 6 How to File a Claim... 6 Covered Legal Services... 7 Legal Services Not Covered Plan Confidentiality, Ethics and Independent Judgment Important Information About the Plan Administrative Information Your Rights Under USERRA Your Rights Under ERISA Claims and Appeals Plan Disclosure Information Glossary Exhibit A Merck Hyatt Legal Out of Network Fee Reimbursement Schedule... 24

5 1 INTRODUCTION YOUR GROUP LEGAL BENEFITS Merck s Group Legal coverage provides access to a network of more than 12,000 attorneys nationwide. The Group Legal Plan is administered by Hyatt Legal Plans, a MetLife Company. Eligible Employees may enroll for coverage under the Group Legal Plan or elect to waive coverage in the Plan. Benefits Contacts and Resources Several vendors administer and help answer questions about the Legal Plan benefits. This chart will help you decide who to contact depending on your needs. When You Want to Contact How Obtain plan literature and forms Ask a benefits related question View the Merck Summary Plan Descriptions If you re an Eligible Employee: - Enroll in your benefits when first hired or during annual enrollment - Update dependent information - Report a Life Event Change - Access information and updates about all of Merck s benefits Merck Benefits Service Center at Fidelity MERCK ( ) TDD: Representatives are available Monday through Friday (excluding New York Stock Exchange holidays) between 8:30 a.m. and 8:30 p.m., ET. Overseas: Dial your country s toll-free AT&T Direct access number then enter If you re enrolled in the Merck Group Legal Plan: - Ask a specific coverage question - Check the status of a claim Hyatt Legal Plans Client Service Center In the U.S., call to obtain AT&T Direct access numbers. 800-GET-MET8 ( ) Monday through Friday 8 a.m. to 7 p.m., ET.

6 2 KEY POINT ENROLLING IN GROUP LEGAL BENEFITS Enrollment in the Merck Group Legal Plan is through the the service provider for administration of Merck s Health & Insurance benefits. Eligible Employees can enroll in Group Legal benefits online or by phone. The (Benefits Service Center) can help you with enrollment, general benefits information and questions. It is administered by Fidelity Investments and available online and by phone. Online: Fidelity NetBenefits at If you have an existing Fidelity NetBenefits account, use the same username/login information you used previously. By Phone: MERCK ( ) or TDD at Customer Service Representatives are available Monday through Friday (excluding New York Stock Exchange holidays) between 8:30 a.m. and 8:30 p.m., ET. For overseas calls dial your country s toll-free AT&T Direct access number then enter In the U.S., call to obtain AT&T Direct access numbers. KEY POINT CONTACTING THE MERCK BENEFITS SERVICE CENTER AT FIDELITY To contact the Benefits Service Center, online or by phone, you will need a password. Your password provides security to ensure that only you can access your benefits information. Keep your password in a confidential place. You can establish your password directly online or by calling the Benefits Service Center. If you have an existing Fidelity NetBenefits account, use the same username/password information you used previously. If you have forgotten your username or password, you will need to reset it using Having trouble with your username or password? on the login page. When you change your username or password, the change will apply to all of your Fidelity accounts and services going forward.

7 3 GENERAL INFORMATION ABOUT GROUP LEGAL BENEFITS This section provides Eligible Employees with important information about the Group Legal Plan including eligibility, enrollment, contributions and when you can make changes to your benefits. Group Legal Eligibility If you are an Eligible Employee, you may elect to participate in the Group Legal Plan as of your date of hire, rehire or transfer. If you elect to participate in the Legal Plan for yourself, your Eligible Dependents will be covered automatically. You are not eligible for coverage under the Group Legal Plan if you are an Excluded Employee or Excluded Person. Enrolling in Group Legal Benefits Eligible Employees may choose coverage under the Group Legal Plan or you may choose the No Coverage option. Your Legal Plan option and costs appear on. You may also call the Benefits Service Center for additional information. If You Waive Coverage Eligible Employees may elect to waive coverage by selecting the No Coverage option. Electing No Coverage means that you waive coverage in the Group Legal Plan for the Plan Year. State Mandates The Group Legal Plan is governed by the Employee Retirement Income Security Act of 1974 (ERISA). Certain states may have provisions that Merck is not required to follow. For more information, contact the Benefits Service Center. Enrollment for Newly Hired or Rehired Full-Time, Part-Time and Transferred Employees Eligible Employees and Transferred Employees must enroll in the Legal Plan to be covered. If You Enroll in the Legal Plan Option Within Your 30-Day Initial Enrollment Period You may elect or waive the Legal Plan coverage within your 30-day Initial Enrollment Period by contacting the Benefits Service Center. As long as you enroll for coverage within your 30-day Initial Enrollment Period, your coverage will be effective as of your hire, rehire or transfer date. See How to Enroll for more detailed instructions. If You Do Not Enroll Within Your 30-Day Initial Enrollment Period If you do not elect to enroll in the Group Legal Plan within your 30-day Initial Enrollment Period, you will not have Legal Plan coverage for the remainder of the Plan Year. You will not be able to change your Legal Plan coverage until the next annual enrollment period, for coverage effective the following Jan. 1.

8 4 How to Enroll You enroll in the Merck Group Legal Plan through the Benefits Service Center either online or by phone. Online: Follow these steps: From the Health & Insurance tab, select Get Started Now. Enter or validate information about your Eligible Dependents. Enroll in your benefits through your online Benefit Elections page. When you are satisfied with your selections, click Save Your Benefits. The elections from your online session will not be saved until you click Save Your Benefits. A confirmation screen will display the elections you submitted. Print this page for your records. By Phone Customer Service Representatives can take your benefit elections by phone between 8:30 a.m. and 8:30 p.m., ET, Monday through Friday (excluding New York Stock Exchange holidays). Once you enroll by phone, it s a good idea to confirm your benefit elections online. In the U.S.: call MERCK ( ). TDD service for the hearing impaired: call For overseas calls: dial your country s toll-free AT&T Direct access number then enter In the U.S., call to obtain AT&T Direct access numbers. From anywhere in the world, access numbers are available online at or from your local operator. When Coverage Begins Your Group Legal coverage begins on your date of hire or rehire. If you elect Group Legal coverage for yourself, your Eligible Dependents are covered automatically. Paying for Group Legal Benefits Full-Time and Part-Time Employees You pay the full cost of Group Legal coverage through regular payroll deductions. Your employee contributions start the first of the month following your date of hire/rehire/transfer, although your coverage begins as of your date of hire/rehire/transfer. Current employee contributions for the Group Legal Plan are listed on. Employee contributions may change from year to year. Merck will inform you, typically during the annual enrollment period, if there are any employee contribution changes. Merck LTD Employees If you are on an unpaid leave of absence, you cannot receive payroll deductions for your Group Legal coverage. Instead, you will be billed by the Benefits Service Center on a monthly basis. You must remit payment at the times specified by the Benefits Service Center or you will lose coverage for the remainder of the Plan Year. If you lose coverage, you will be eligible to re-enroll in Group Legal coverage during annual enrollment for coverage effective the following Jan. 1.

9 5 If you are a Merck LTD Employee, coverage ends on the last day of the month following your LTD effective date. If you return to work in the same year in which your LTD starts, coverage resumes the first day of the month following your return to work. If you return to work in a subsequent Plan Year, you must re-enroll and will be given instructions on how to do so. After-Tax Contributions Your contributions toward the cost of Group Legal coverage are deducted from your paycheck on an aftertax basis. This means your contributions come out of your pay after federal income and Social Security taxes are deducted. Making Changes to Your Coverage Annual Enrollment Each year during annual enrollment, you may elect to make changes to your Legal Plan coverage or keep your current Legal Plan election, subject to its continued availability. Generally, the benefit elections you make will remain in effect for the entire Plan Year (Jan. 1 Dec. 31). Changes made during the annual enrollment period are effective Jan. 1 of the following year. If you do not make a change during annual enrollment, your Group Legal Plan coverage for the new Plan Year will automatically default to your current Group Legal Plan option (subject to its continued availability). Each year, you will be notified of the annual enrollment procedures, coverage costs and timeframes for enrolling in or changing your elections for the upcoming Plan Year. Since Merck may make changes to the Group Legal Plan at any time, it is important to review your annual enrollment materials carefully when you receive them. You may access annual enrollment materials, obtain contact information, review plan design changes and confirm most benefits online at. If You Take a Leave of Absence Approved Paid Leave of Absence. If you take an approved paid leave of absence, your Employer will continue to deduct your portion of the cost of Group Legal coverage through payroll deductions. Deductions will be on an after-tax basis. Approved Unpaid Leave of Absence. If you take an approved unpaid leave of absence, you will be billed for coverage during your leave from the Benefits Service Center. Amounts paid during the leave will be paid for with after-tax dollars. For employees who return to work at the expiration of a leave, any accumulated unpaid amounts will be deducted from your initial paychecks on an after-tax basis. However, if you fail to pay premiums to continue coverage in the time and manner specified by the Plan Administrator, your coverage will end and you will not be able to re-enroll for coverage unless and until you return to active employment. While on leave, you will continue to pay the same rates as similarly situated active employees. When Group Legal Coverage Ends Your coverage in the Merck Group Legal Plan ends on the earliest of: The date your employment terminates, The date you are no longer eligible to participate, The day immediately prior to the day your No Coverage option goes into effect, If you are an LTD Employee, on an approved unpaid leave of absence and do not pay your premiums, the first day of the month after your leave begins, The date the required contributions for coverage are not paid, or The date the Group Legal Plan is terminated by the Company.

10 6 HOW THE MERCK GROUP LEGAL PLAN WORKS MERCK GROUP LEGAL PLAN BENEFITS Legal issues can arise at any time, including when you get married or enter into a domestic partnership, have a baby, buy or sell your home, get divorced or terminate a domestic partnership or lose a loved one. To help you with a variety of personal legal matters at times like these, the Group Legal coverage provides access to a national network of attorneys. Using the Plan Group Legal Plan services will be provided through a panel of Plan Attorneys. Here is how to use the Group Legal Plan when you need legal assistance. Call a Hyatt Legal Plans Client Service Center Representative at 800-GET-MET8. You will be asked for your Social Security number to verify your eligibility for benefits. (Note: When receiving service, you will only be asked for the last 4 digits of you Social Security number.) The Client Service Center Representative will make an initial determination regarding your case, provide you with a case number and help you locate a Plan Attorney in your area. (You may also do your own search for Plan Attorneys in your area.) Call the attorney to schedule an appointment. For services to be covered under the Group Legal Plan, you must have a case number. Therefore, even if you decide to use an attorney who is not a participating Plan Attorney, you still must call the Hyatt Legal Plans Client Service Center to initiate the benefit process. In addition, you need a new case number each time you open a new case. Merck Group Legal Plan at a Glance For These Types of Services The Merck Group Legal Plan Pays You Pay Office consultations and telephone advice on legal issues pertaining to consumer protection matters, debt matters, defense of civil lawsuits, document preparation, family law, immigration assistance, personal injury, real estate matters, traffic and criminal matters, and wills and estate matters 100% when using a Plan Attorney. Note: when using a non-plan Attorney, you will be reimbursed based on the Fee Reimbursement Schedule found in the back of this SPD $0 How to File a Claim If you use a Plan Attorney, there is no need to file a claim for benefits. If you use an attorney who is not a Plan Attorney, call Hyatt Legal Plans at 800-GET-MET8 to request a Fee Reimbursement Form. Complete the form, attach the attorney s bill and submit everything to Hyatt Legal Plans at the address on the form. Be sure to keep a copy of the claim for your records. If the provided services are covered, you will receive a reimbursement check in the mail generally within two weeks of when Hyatt Legal Plans receives your completed form. Benefits are paid up to the amount covered by the Group Legal Plan; you are responsible for the remainder of the fee, if any.

11 7 Covered Legal Services The Merck Group Legal Plan covers eligible expenses for the services listed below. Eligible expenses are covered at 100% from a Plan attorney unless otherwise noted. However, for services to be covered, you must have called Hyatt Legal Plans, obtained a case number and retained an attorney. The following summarizes the available benefits and applicable limitations and conditions for coverage: Advice and Consultation By phone or during an office consultation, you may discuss personal legal problems with a Plan Attorney who will identify any further coverage available under the Plan and, if requested, will represent you. If representation is covered by the Plan, you will not be charged for services. If representation is recommended but not covered by the Plan, the Plan Attorney will provide a written fee statement and you decide whether to retain the Plan Attorney at your own expense, seek outside counsel or do nothing. There are no restrictions on the number of times per year you may use this service; however, for a non-covered matter, this service is not intended to provide you with continuing access to a Plan Attorney in order to seek advice that would allow you to undertake your own representation. Consumer Protection Consumer Protection Matters Covers you and your covered dependents as plaintiff for representation, including trial, in disputes over consumer goods and services where the amount being contested exceeds the small claims court limit in that jurisdiction and is documented in writing. This service does not include disputes over real estate, construction, insurance or collection activities after a judgment. Small Claims Assistance Covers counseling on prosecuting a small claims action; helping you or your covered dependents prepare documents; advising you on evidence, documentation and witnesses; and preparing you for trial. The service does not include the Plan Attorney s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions. Personal Property Action Covers counseling over the phone or in the office on any personal property issue such as consumer credit reports, contracts for the purchase of personal property, consumer credit agreements or installment sales agreements. Counseling on pursuing or defending small claims actions is also included. The service also includes reviewing any personal legal documents and preparing promissory notes, affidavits and demand letters. Debt Collection Debt Collection Defense Provides you and your covered dependents with an attorney s services for negotiation with creditors for a repayment schedule and to limit creditor harassment, and representation in defense of any action for personal debt collection, tax agency debt collection, foreclosure, repossession or garnishment, up to and including trial if necessary. It does not include vacating a judgment; counter, cross or third party claims; bankruptcy; any action arising out of family law matters including support and post-decree issues; or any matter where the creditor is affiliated with the sponsor or Employer. Identity Theft Defense Provides you and your covered dependents with consultations with an attorney regarding potential creditor actions resulting from identity theft and attorney services as needed to contact creditors, credit bureaus and financial institutions. It also provides defense services for specific creditor actions over disputed accounts. The defense services include limiting creditor harassment and representation in defense of any action that arises out of the identity theft such as foreclosure, repossession or garnishment, up to and including trial if necessary. The service also provides you and your covered dependents with online help and information about identity theft and prevention. It does not include counter claims, cross claims, bankruptcy, any action arising out of divorce or post-decree matters or any matter where the creditor is affiliated with the sponsor or Employer.

12 8 Personal Bankruptcy or Wage Earner Plan Covers you and your Spouse/Same-Sex Domestic Partner in pre-bankruptcy planning, the preparation and filing of a personal bankruptcy or Wage Earner petition, and representation at all court hearings and trials. This service is not available if a creditor is affiliated with Merck, even if you or your Spouse/Same- Sex Domestic Partner chooses to reaffirm that specific debt. Tax Audits Covers reviewing tax returns and answering questions the IRS or a state or local taxing authority has concerning your tax return; negotiating with the agency; advising you on necessary documentation; and attending an IRS or a state or local taxing authority audit. The service does not include prosecuting a claim for the return of overpaid taxes or the preparation of any tax returns. Defense of Civil Lawsuits Administrative Hearing Representation Covers you and your covered dependents in defense of civil proceedings before a municipal, county, state or federal administrative board, agency or commission. The service includes the hearing before an administrative board or agency over an adverse governmental action. It does not apply where services are available or are being provided by virtue of an insurance policy. It does not include family law matters, postjudgment matters or litigation of a job-related incident. Civil Litigation Defense Covers you and your covered dependents in defense of an arbitration proceeding or civil proceeding before a municipal, county, state or federal administrative board, agency or commission, or in a trial court of general jurisdiction. It does not apply where services are available or are being provided by virtue of an insurance policy. It does not include family law matters, post-judgment matters, matters with criminal penalties or litigation of a job-related incident. Services do not include bringing counterclaims, third party or cross claims. Incompetency Defense Covers you and your covered dependents in the defense of any incompetency action, including court hearings when there is a proceeding to find you incompetent. Document Preparation Affidavits Covers preparation of any affidavit in which you and your covered dependents are the person making the statement. Deeds Covers the preparation of any deed for which you and your covered dependents are either the grantor or grantee. Demand Letters The preparation of letters that demand money, property or some other property interest of you and your covered dependents, except an interest that is an excluded service. It also covers mailing them to the addressee and forwarding and explaining any response you. Negotiations and representation in litigation are not included. Mortgages Covers the preparation of any mortgage or deed of trust for which you and your covered dependents are the mortgagor. This service does not include documents pertaining to business, commercial or rental property. Notes Covers the preparation of any promissory note for which you and your covered dependents are the payor or payee. Document Review Covers the review for you and your covered dependents of any personal legal documents, such as letters, leases or purchase agreements. Family Law Elder Law Matters Covers counseling you over the phone or in the office on any personal issues relating to your parents and Spouse s/same-sex Domestic Partner s parents as they affect you. The service includes reviewing your parents documents to advise you of their effect on you. The documents include Medicare or Medicaid materials, prescription plans, leases,

13 9 nursing home agreements, powers of attorney, living wills and wills. The service also includes preparing deeds involving the parents when you are either the grantor or grantee; and preparing promissory notes involving the parents when you are the payor or payee. Name Change Covers you and your covered dependents for all necessary pleadings and court hearings for a legal name change. Prenuptial Agreement Covers the preparation of an agreement by you and your fiancé/partner prior to their marriage or legal union (where allowed by law), outlining how property is to be divided in the event of separation, divorce or death of a Spouse/Same-Sex Domestic Partner. Representation is provided only to you. The fiancé/partner must have separate counsel or must waive representation. Protection from Domestic Violence Covers you only, not the Spouse/Same-Sex Domestic Partner or dependents, as the victim of domestic violence. It provides you with representation to obtain a protective order, including all required paperwork and attendance at all court appearances. The service does not include representation in suits for damages, defense of any action, or representation for the offender. Adoption and Legitimization (Contested and Uncontested) Covers all legal services and court work in a state or federal court for an adoption for the Plan Member and Spouse/Same- Sex Domestic Partner. Legitimization of a child for the Plan Member and Spouse/Same-Sex Domestic Partner, including reformation of a birth certificate, is also covered. Guardianship or Conservatorship (Contested or Uncontested) Covers establishing a guardianship or conservatorship over a person and his or her estate when the Plan Member or Spouse/Same-Sex Domestic Partner is appointed as guardian or conservator. It includes obtaining a guardianship or conservatorship, gathering any necessary medical evidence, preparing the paperwork, attending the hearing and preparing the initial accounting. This service does not include representation of the person over whom guardianship or conservatorship is sought, or any annual accountings after the initial accounting. Immigration Assistance Covers advice and consultation, preparation of affidavits and powers of attorney, review of any immigration documents and helping you and your covered dependents prepare for hearings. Personal Injury (25% network maximum) Subject to applicable law and court rules, Plan Attorneys will handle personal injury matters (where you and/or your covered dependents are the plaintiff) at a maximum fee of 25% of the gross award. It is your responsibility to pay this fee and all costs. Real Estate Matters Boundary or Title Disputes (Primary Residence) Covers negotiations and litigation arising from boundary or title disputes for you and your covered dependents involving your primary residence, where coverage is not available under your homeowner or title insurance policies. Eviction and Tenant Problems (Primary Residence Tenant Only) Covers you and your covered dependent as a tenant for matters involving leases, security deposits or disputes with a residential landlord. The service includes eviction defense, up to and including trial. It does not include representation in disputes with other tenants or as a plaintiff in a lawsuit against the landlord, including an action for return of a security deposit. Security Deposit Assistance (Primary Residence Tenant Only) Covers counseling you and your covered dependent as a tenant in recovering a security deposit from your residential landlord for your primary residence; reviewing the lease and other relevant documents; and preparing a demand letter to the landlord for the return of the deposit. It also covers assisting you and your covered dependents in prosecuting a small claims action; helping prepare documents; advising on evidence, documentation and witnesses; and preparing you for the small claims trial. The service does not include the Plan Attorney s attendance or representation

14 10 at small claims trial, collection activities after a judgment or any services relating to postjudgment actions. Home Equity Loans (Primary Residence) Covers the review or preparation of a home equity loan for you and your covered dependents on your primary residence. Home Equity Loans (Second or Vacation Home) Covers the review and preparation of a home equity loan for you and your covered dependents on your second or vacation home. Property Tax Assessment (Primary Residence) Covers you and your covered dependents for review and advice on a property tax assessment on your primary residence. It also includes filing the paperwork; gathering the evidence; negotiating a settlement; and attending the hearing necessary to seek a reduction of the assessment. Refinancing of Home (Primary Residence) Covers the review or preparation, by an attorney representing you, of all relevant documents (including the refinance agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the refinancing of or obtaining a home equity loan for you and your covered dependents on your primary residence. The benefit also includes attendance of an attorney at closing. This benefit includes obtaining a permanent mortgage on a newly constructed home. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the refinancing of a second home, vacation property or property that is held for any rental, business, investment or income purpose. Refinancing of Home (Second or Vacation Home) Covers the review or preparation, by an attorney representing you and your covered dependents, of all relevant documents (including the refinance agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the refinancing of or obtaining a home equity loan on your second home or vacation home. The benefit also includes attendance of an attorney at closing. This benefit includes obtaining a permanent mortgage on a newly constructed home. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the refinancing of a second home, vacation property or property that is held for any rental, business, investment or income purpose. Home Sale or Purchase of Home (Primary Residence) The review or preparation, by an attorney representing you and your covered dependents, of all relevant documents (including the construction documents for a new home, the purchase agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the purchase or sale of your primary residence or of a vacant property to be used for building a primary residence. The benefit also includes attendance of an attorney at closing. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the sale or purchase of a second home, vacation property, rental property, property held for business or investment or leases with an option to buy. Sale or Purchase of Home (Second or Vacation Home) Covers the review or preparation, by an attorney representing you and your covered dependents, of all relevant documents (including the construction documents for a new second home or vacation home, the purchase agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the purchase or sale of your second home or vacation home or of a vacant property to be used for building a second home or vacation home. The benefit also includes attendance of an attorney at closing. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the sale or purchase of a second home or vacation home held for rental purpose, business, investment or income or leases with an option to buy. Zoning Applications Provides you and your covered dependents with the services of a lawyer to help get a zoning change or variance for your primary residence. Services include

15 11 reviewing the law, reviewing the surveys, advising you, preparing applications, and preparing for and attending the hearing to change zoning. Traffic and Criminal Matters Juvenile Court Defense Covers the defense of you and your dependent child in any juvenile court matter, provided there is no conflict of interest between the you and the child. In that event the service provides an attorney for you only including service for parental responsibility. Traffic Ticket Defense (No DUI) Covers you and your covered dependents representation in defense of any traffic ticket including traffic misdemeanor offenses, except driving under the influence or vehicular homicide, including court hearings, negotiation with the prosecutor and trial. Restoration of Driving Privilege Covers you and your covered dependents with representation in proceedings to restore your driving license. Wills and Estate Planning Trusts Covers the preparation of revocable and irrevocable living trusts for you and your covered dependents. It does not include tax planning or services associated with funding the trust after it is created. Living Wills Covers the preparation of a living will for you and your covered dependents. Powers of Attorney Covers the preparation of any power of attorney when you and your covered dependents are granting the power. Probate (10% Network Discount) Subject to applicable law and court rules, Plan Attorneys will handle probate matters at a fee 10% less than the Plan Attorney s normal fee. It is your responsibility to pay this reduced fee and all costs. Wills and Codicils Covers the preparation of a simple or complex will for you or your covered dependents. The creation of any testamentary trust is covered. The benefit includes the preparation of codicils and will amendments. It does not include tax planning. Legal Services Not Covered Excluded services are those legal services that are not provided under the Plan. No services, not even a consultation, can be provided for the following matters: Employment-related matters, including Company or statutory benefits, Matters involving the Employer, MetLife and affiliates, and Plan Attorneys, Matters in which there is a conflict of interest between the employee and Spouse/Same-Sex Domestic Partner or dependents in which case services are excluded for the Spouse/Same-Sex Domestic Partner and dependents, Appeals and class actions, Patent, trademark and copyright matters, Costs or fines, Frivolous or unethical matters, Farm and business matters, including rental issues when you are the landlord, and Matters for which an attorney-client relationship exists prior to the participant becoming eligible for the Plan benefits.

16 12 In addition to the coverages and exclusions listed, there are certain rules for special situations. If you are entitled to receive legal representation provided by any other organization such as an insurance company or a government agency, or if you are entitled to legal services under any other legal plan, coverage will not be provided under this Plan. However, if you are eligible for legal aid or Public Defender services, you will still be eligible for benefits under this Plan, so long as you meet the eligibility requirements. You may need legal help with a problem involving your Spouse/Same-Sex Domestic Partner or your children. In some cases, both you and your child may need an attorney. If it would be improper for one attorney to represent both you and your dependent, only you will be entitled to representation by the Plan Attorney. Your dependent will not be covered under the Plan. For example, in divorce you would be covered for consultation, but your Spouse would not. If you or your dependents are involved in a dispute with another Eligible Employee or that employee s dependents, Hyatt Legal Plans will arrange for legal representation with independent and separate counsel for both parties. If you are awarded attorneys fees as a part of a court settlement, the Plan must be repaid from this award to the extent that it paid the fee for your attorney. Plan Confidentiality, Ethics and Independent Judgment Your use of the Plan and the legal services is confidential. The Plan Attorney will maintain strict confidentiality of the traditional lawyer-client relationship. Your Employer will know nothing about your legal problems or the services you use under the Plan. Plan Administrators will have access only to limited statistical information needed for orderly administration of the Plan. No one will interfere with your Plan Attorney s independent exercise of professional judgment when representing you. All attorneys services provided under the Plan are subject to ethical rules established by the courts for lawyers. The attorney will adhere to the rules of the Plan and he or she will not receive any further instructions, direction or interference from anyone else connected with the Plan. The attorney s obligations are exclusively to you. The attorney s relationship is exclusively with you. Hyatt Legal Plans, Inc., or the law firm providing services under the Plan is responsible for all services provided by their attorneys. You should understand that the Plan has no liability for the conduct of any Plan Attorney. You have the right to file a complaint with the state bar concerning attorney conduct pursuant to the Plan. You have the right to retain at your own expense any attorney authorized to practice law in this state. Plan Attorneys will refuse to provide services if the matter is clearly without merit, frivolous or for the purpose of harassing another person. If you have a complaint about the legal services you have received or the conduct of an attorney, call Hyatt Legal Plans at 800-GET-MET8. Your complaint will be reviewed and you will receive a response within two business days of your call.

17 13 IMPORTANT INFORMATION ABOUT THE PLAN ADMINISTRATIVE INFORMATION This section contains information on the administration and funding for the Merck Group Legal Plan, as well as your rights as a Legal Plan participant. While you may not need this information for day-to-day participation in the Merck Group Legal Plan, you should read through this section. It is important for you to understand your rights, the procedures you need to follow and the appropriate contacts you may need in certain situations. Your Rights Under USERRA The Legal Plan is not subject to the continuation coverage requirements of the Uniformed Services Employment and Reemployment Rights Act of 1994 ( USERRA ). You do not need to take any action to continue coverage under the Legal Plan when you begin your military leave. However, if you want to drop your coverage under the Legal Plan when you begin your military leave, you must contact the Benefits Service Center within 30 days after your leave begins. If you do not contact the Benefits Service Center within that 30-day period, your coverage under the Legal Plan will continue as described below. If you are eligible to continue to receive base pay from the Employer during your military leave, coverage will continue in accordance with the Legal Plan s terms and conditions applicable to an employee on a paid leave of absence. Employee contributions at the active employee rate will continue to be deducted from your pay; to the extent your pay is insufficient to pay the required contributions, unpaid contributions will be accumulated and be payable by you when you return to active employee status. You may drop your coverage (or add coverage) during your military leave only during annual enrollment (for coverage changes effective the following Jan. 1). If you are not eligible to continue to receive base pay from the Employer during your military leave, coverage will terminate as of the end of the month in which your unpaid military leave begins. For more information regarding your rights during a military leave contact the Benefits Service Center or refer to Merck s Military Leave Policy, available on Sync or by request to the Merck My Support Center. Your Rights Under ERISA As a participant in the Merck Group Legal Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all plan participants shall be entitled to the following: Receive Information About Your Plan and Benefits Examine, without charge, at the Plan Administrator s office and at other specified locations, such as worksites and union halls, all documents governing the Merck Group Legal Plan, including insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Pension and Welfare Benefit Administration Office. Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan, including insurance contracts and collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description. The administrator may charge a reasonable fee for the copies. Receive a summary of the Plan s annual financial report, if applicable. The Plan Administrator is required by law to furnish each participant with a copy of this summary annual report, if applicable.

18 14 Prudent Actions by Plan Fiduciaries In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Plan, called fiduciaries of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your Employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA. Enforcing Your Rights If your claim for a welfare benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge and to appeal any denial, all within certain time schedules. For more information, see Claims and Appeals. Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of plan documents or the latest annual report from the Plan and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or federal court. In addition, if you disagree with the Plan s decision or lack thereof concerning the qualified status of a medical child support order, you may file suit in federal court. If it should happen that the Plan fiduciaries misuse the Plan s money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. Assistance with Your Questions If you have any questions about the Merck Group Legal Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the Plan Administrator, you should contact the nearest office of the Pension and Welfare Benefits Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance of the Employee Benefits Security Administration at: Division of Technical Assistance/Employee Benefits Security Administration U.S. Department of Labor 200 Constitution Avenue, N.W. Washington, DC You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration at or accessing their website at

19 15 Claims and Appeals If you are denied coverage by Hyatt Legal Plans or by any Plan Attorney, you may appeal by sending a letter to: Hyatt Legal Plans, Inc. Director of Administration 1111 Superior Avenue Cleveland, OH (For Florida plans contact Hyatt Legal Plans of Florida, Inc. at the above address.) The Director will issue Hyatt Legal Plans final determination within 60 days of receiving your letter. This determination will include the reasons for the denial with reference to the specific Plan provisions on which the denial is based and a description of any additional information that might cause Hyatt Legal Plans to reconsider the decision, an explanation of the review procedure and notice of the right to bring a civil action under Section 502(a) of ERISA. Claims and Appeals for Eligibility to Participate in the Merck Group Legal Plan If you, your beneficiary or your authorized representative feel that an error has been made concerning your eligibility to participate in the Plan you, your beneficiary or your authorized representative may request reconsideration under the Plan. All requests for reconsideration shall be submitted in writing to the Plan Administrator at the following address: Merck Sharp & Dohme Corp. Attn: Plan Administrator (GSA-HTR) c/o P.O. Box Cincinnati, OH Express mail address: Merck Sharp & Dohme Corp. Attn: Plan Administrator (GSA-HTR) c/o Mail Zone KC1F-L 100 Crosby Parkway Covington, KY The Plan Administrator will review your claim and respond to you with a determination. The decision of the Plan Administrator is final and binding. If your claim for eligibility involves whether an incapacitated child is eligible to participate in the Plan as an Eligible Dependent, you need to follow the claims and appeals procedure for the Legal Plan option in which you are enrolled. Please note that all requests for reconsideration regarding participation by the incapacitated child must be submitted in writing to the Claims Administrator for the option in which you are enrolled. See Benefits Contacts and Resources for Written Appeals for address information.

20 16 Benefit Contacts and Resources for Written Appeals The following chart lists the appeals address for each of the available Merck Group Legal Plan coverage options and/or benefit features of the Plan. If a Claim Is Denied Benefit Appeals Send Your Written Appeal to the Claims Administrator at this Address Claims Administrator and fiduciary for the Merck Group Legal Plan: Hyatt Legal Plans, Inc. Director of Administration Eaton Center 1111 Superior Avenue Cleveland, OH Eligibility Appeals Plan Administrator for the Merck Group Legal Plan: Merck Sharp & Dohme Corp. Attn: Plan Administrator (GSA-HTR) c/o P.O. Box Cincinnati, OH Express mail address: Merck Sharp & Dohme Corp. Attn: Plan Administrator (GSA-HTR) c/o Mail Zone KC1F-L 100 Crosby Parkway Covington, KY 41015

21 17 Plan Disclosure Information Employer/Sponsor Merck Sharp & Dohme Corp. sponsors the Merck Other Group Benefits Plan. The employer identification number assigned to Merck Sharp & Dohme Corp. by the IRS is # The address and phone number for Merck Sharp & Dohme Corp. is: Merck Sharp & Dohme Corp. Attn: Plan Administrator (GSA-HTR) c/o P.O. Box Cincinnati, OH Express mail address: Merck Sharp & Dohme Corp. Attn: Plan Administrator (GSA-HTR) c/o Mail Zone KC1F-L 100 Crosby Parkway Covington, KY Telephone: 866-MERCK-HD ( ). For U.S. employees calling from outside of the United States, HELP ( ) Plan Administrator/Claims Administrator The Plan Administrator for the Merck Other Group Legal Plan is Merck Sharp & Dohme Corp. Administration of the Merck Group Legal Plan is the responsibility of the Plan Administrator. The Claims Administrators determine eligibility for benefits under the Merck Group Legal Plan in accordance with the official Group Legal Plan documents. For the list of Claims Administrators, see the Plan Funding and Administration chart. The Plan Administrator has the exclusive discretion to construe and interpret the terms of the Merck Group Legal Plan as follows: To adopt such rules for the administration of the Plan as it considers desirable, To make factual determinations, interpret and construe the Plan, correct defects, supply omissions and reconcile inconsistencies to the extent necessary to effectuate the Plan, resolve all questions arising in the administration, interpretation and application of the Plan, and such action will be conclusive upon the Company, the Plan, participants, employees, their dependents and beneficiaries, To decide all questions of eligibility and participation, To prescribe procedures and election forms to be followed by participants to make elections to this Plan, To accept, modify or reject elections under the Plan, To authorize disbursements on behalf of the Plan, To prepare and distribute to participants information explaining the Plan and the benefits available hereunder in such a manner as the Plan Administrator deems appropriate, To settle any lawsuit against the Plan or Plan Administrator, and To request and receive from all participants such information as the Plan Administrator will from time to time determine to be necessary for the proper administration of the Plan.

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