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Horizon™ Action Report:
Merck 401(k) Savings Plan (November 26, 2007)

Table of Contents

• Your Current Performance Guarantee Period Results

• Selected Frequently Asked Questions (FAQs)
• Current Period Recommended Plan Allocations

IMPORTANT: Regardless of whether the Market or economy is moving up or down you can always count on these 5 things as a subscriber to Horizon™:

1. In good times it will maximize gains;
2. In bad times it will protect your Plan value and minimize the "Drawdown";
3. When the bad times end, Horizon™ will recover any Plan value drawdown in the shortest amount of time;
4. By retirement, Horizon™ will far outdistance any other approach in building your Plan value amount; and
5. Horizon™ will do all of the above with the lowest risk.

No other approach can do this. One of our market-savvy subscribers best described Horizon™ as taking "3 steps forward and one step back" while all the other approaches they had seen over the years were "1 1/2 steps forward and one step back."

You are always best served by staying the course with Horizon™, and on the path towards achieving realistic, retirement Income security.

As part of our ongoing commitment to provide the finest possible services to you, should you have any questions, suggestions or problems please e-mail us at customerservice@compassinvestors.com.

Your Current Performance Guarantee Period Results
(January 1, 2004 to November 26, 2007)

Note: Stated performance results may be understated by the amount of any current fund distributions. Results of any fund distributions will appear in your next Action Report.

As of November 26, 2007, Horizon™ has guided the Merck 401(k) Savings Plan to a 71.8% pure investment return (excludes plan growth due to contributions) over the past 46-months since the current Performance Guarantee Period started on January 1, 2004.

While these short-term results are outstanding, you should never forget about the superior results that Horizon™ provides over the long-term. And these results have been proven and independently audited. Horizon™ is the ONLY strategy that you can count on to produce maximum gains in Up markets cycles and protection of Plan value in severe Down market cycles thereby always keeping you on the path towards having Retirement Income Security.

During the Market Cycle that began 1/1/1997, as of 11/26/07 an initial $100,000 starting investment guided by Horizon’s™ Adaptive Asset Allocation (AAA) strategy grew to $626,432 (excluding any additional contributions). This compares to the value, over that same period, invested in the following alternatives:

• The Plan Index (PI)*: $256,852 -- Horizon's™ growth was 144% higher.

• The Best Formulaic Asset Allocation (FAA)** Strategy: $248,916 -- Horizon's™ growth was 152% higher.

• Dow Jones Industrial Average (DJIA): $200,186 -- Horizon's™ growth was 213% higher.

• Money Market: $150,481 -- Horizon's™ growth was 316% higher.

Looking at the chart above, you can see how at the very start of the last sustained down market (in March 2000) Horizon™ experienced its largest percentage loss and then immediately began to contain additional losses. This type of behavior is what would be expected to be seen at the start of the next down market cycle. NOTE: Click on the chart to see the exact values by Action Report period.

You can also see how, as the 3-year down market persists (2000 to 2003), Horizon's™ value: (1) far surpasses the best Asset Allocation approach, and (2) quickly returns to its pre-down market high (i.e., recovers the loss) once the next up market begins (in March 2003).

Never forget that your key to success is to always focus on your long-term results that you will achieve over Market Cycles, not on short-term results. Providing for your retirement income security is a "marathon not a sprint." Horizon™ outperforms all other approaches over all Market Cycles—maximizing Plan growth during up markets, limiting loss during down markets and quickly recovering any lost Plan value after a down market ends—leading to the largest Plan value by the time you retire.

Compass Investors' 2 Performance Guarantees