THE ABOVE COPAYMENTS DO NOT INCLUDE THE ADDITIONAL COST OF           PRECIOUS AND SEMI-PRECIOUS METAL.
          
          All procedures listed may not be performed by the Participating           General Dentist you select. The copayments shown apply to those           Company Plan Participating General Dentists who do perform those           services. Therefore, you are encouraged to discuss availability of the           scheduled services with your Participating General Dentist. Procedures           not listed on the schedule of bene- fits, that are performed by the           selected Participating General Dentist will be charged at that           Participating General Dentist's usual and customary fee less 25%.
          
          SPECIALISTS: Should you need a specialist (i.e., Endondontist,           Oral Surgeon, Periodontist, Prosthodontist, Pediatric Dentist), you           may be referred by your Participating General Dentist. Copayment           amounts are applicable when treatment is performed by selected           Participating General Dentist or by Participating Specialists.           Benefits for procedures not listed on the schedule of benefits, that           are performed by a Participating Specialist are available at the           Participating Specialist's usual and customary fee less 25%.
    NOTE: When crown and/or bridgework exceeds six     consecutive units, the patient may be charged an additional $25.00 per unit.
    * Plus laboratory fees when applicable