EFFECTIVE DATE: Plan is effective November 1, 1999. Newly hired employees will be covered after they have completed one month of continuous employment on a full-time basis and who work at least 30 hours per week.

ELIGIBILITY: (A) All full-time permanent, active employees who work 30 hours or more a week. (B) Husband or wife of employee and any unmarried children under age 19 (unmarried children up to age 23, if full-time student).

MAXIMUM BENEFIT PER INDIVIDUAL PER POLICY YEAR: $1,500.00

DEDUCTIBLE: $25.00 Annual Deductible for Basic and/or Major Services; No deductible for Preventive Services; Maximum deductible per family is reached after three family members each reach the deductible amount.

PREVENTIVE SERVICES ARE: Regular office visits, cleaning of teeth, X-rays of teeth, topical fluoride solution applications, space maintainers, and bitewing x-rays twice a year. A complete x-ray series or a panoramic x-ray is payable once every three years.

EXAMPLES OF BASIC SERVICES: Extractions, gum surgery, root canal work, and filling of cavities.

EXAMPLES OF MAJOR SERVICES: Crowns, and inlays, pontics, dentures and bridges; repair of crowns, bridges and dentures.

ORTHODONTIA BENEFIT: Benefits are applicable to dependent children under age 19. Payments will be made on a quarterly basis subject to the coinsurance percentage and maximum benefit selected. The maximum lifetime benefit is $750.00.

PREFERRED PROVIDER NETWORK: Employees and their dependents covered under the Bollinger group dental program may, if they wish, choose to go to a dentist or dental specialist who participates in the Qualident Preferred Provider Network. This is strictly a voluntary decision on the part of the employee as there are no penalties associated with not using a network dentist. However, since dentists who participate in the Qualident network have agreed to accept a discounted fee from their usual and customary charges, patients who use a Qualident provider will in most cases see reduced or eliminated out of pocket expenses. To locate a Network Provider closest to you, you may check with your benefits administrator or by calling Qualident directly at 1-888-557-8899.

PRE-CERTIFICATION: Any treatment which will exceed $250 should be approved by the Insurance Company prior to having the dental services performed. In this way, you will know beforehand exactly how much the insurance will pay and how much you will have to pay. The standard claim form is used to obtain a pre-certification and should be sent in along with pre-treatment x-rays in order to facilitate a quick determination.

EXCLUSIONS: 1. Dental services not reasonably necessary. Payment limited to the least expensive method of adequate treatment.

2. Services not performed by a Dentist or licensed Dental Hygienist.

3. Cosmetic services, not necessitated by an accidental injury. For the purpose of this policy, facing on crowns or false teeth involving molars, shall always be considered cosmetic.

4. Services covered under Workers' Compensation (job incurred injury).

5. Medicare or services paid for by the U. S. Government.

6. Replacement of dentures lost, mislaid or stolen.

7. Any portion of charges in excess of the Usual and Customary dental charge.

8. Replacement or addition to dentures, bridge-work or crowns which were installed during the preceding 5 years.

9. Replacement of natural teeth extracted prior to the effective date of the insurance coverage.

10. Services which were started prior to the insurance coverage.

11. Tooth preparation & temporary restorations are considered components of and included in the fee for a complete procedure.

12. Specialized procedures, precision attachments, overdentures, implants are not covered.

COORDINATION OF BENEFITS: If you or your spouse have any other dental insurance coverage, this insurance coordinates its benefit payments with other coverage so that payment does not exceed the dental costs actually incurred.

TERMINATION OF COVERAGE: (A) Upon termination of employment. (B) If you transfer from a full-time to a part-time status (i.e., working less than 30 hours per week).

CLAIM PROCEDURES: Claim forms can be obtained from your employer and must be filed within 90 days of treatment.

PLAN ADMINISTRATOR: This plan is underwritten by Peoples Benefit Life Insurance Company and is administered by Bollinger, Inc., 101 JFK Parkway, Short Hills, NJ 07078-5000 Any questions regarding plan provisions, procedures, or information on a particular claim can best be answered by calling Bollinger directly at 1-800-526-1379.