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