Other than the Overview and Page Directory displayed below, he text presented in this web page is directly from the booklet provided by Phoenix American Life Insurance Company, which describes the major provisions of the Group Dental Insurance Policy issued to American Bank. It has been edited only insofar as necessary for it to be viewed on this website.

Dental Insurance Overview

All full-time employees are eligible to enroll in a Group Dental Plan for individual or family coverage, after completing a 90-day service requirement. The plan pays 100% for twice-a-year preventive dental care, and generally pays 80% for defined basic dental services (such as fillings and simple extractions), and 50% for major services (such as crowns). You should review the section "Covered Dental Expenses" for more details on coverage and limitations. All services other than the preventive services require a $50 annual deductible per person, with a maximum annual family deductible of $150. For the first year of your coverage, there is a $500 maximum benefit per person; for each year thereafter, the maximum benefit is $1,500. The insurance company recommends that if you expect the bill for dental services to be greater than $300, you should provide them with a proposed Dental Treatment Plan before the treatment begins.

You are entitled to keep your coverage through COBRA if you should leave the American Bank.

Page Directory

Enrollment for Employees

Enrollment for Family Members

Detail of Covered Dental Expenses

Exclusions

Coordination of Benefits

COBRA continuation of coverage

Your Rights under ERISA

PHOENIX AMERICAN LIFE INSURANCE COMPANY certifies that it has issued and delivered a Group Insurance Policy to the Policyholder shown below insuring certain Employees of the Employer shown below.

EMPLOYER: AMERICAN NATIONAL BANK

EMPLOYER'S EFFECTIVE DATE: MARCH 1,1996 ACCOUNT NUMBER: 046­2093­01

POLICYHOLDER: TRUSTEE OF THE FINANCE INDUSTRY GROUP INSURANCE FUND (RHODE ISLAND) UNDER TRUST AGREEMENT DATED SEPTEMBER 1, 1977

GROUP POLICY NO.: 046­0000

STATE OF ISSUE: RHODE ISLAND

PRE­DETERMINATION OF BENEFITS

Whenever the estimated cost of a recommended DENTAL TREATMENT PLAN exceeds $300, we recommend that the DENTAL TREATMENT PLAN be submitted to us for review before treatment begins. We will notify you and the Dentist of the benefits payable based upon the DENTAL TREATMENT PLAN. In determining the amount of benefits payable, consideration will be given to Alternate Dental Treatment that will, as determined by us, accomplish a professionally satisfactory result. If you and the Dentist agree to a more costly method of treatment than that determined by us, the excess amount will not be paid by us.

This Certificate cancels and replaces any prior Dental Expense Benefits Certificate issued to you.

This Group Certificate contains the terms of the Group Policy that affect your insurance. This Group Certificate is part of the Group Policy.

This Group Certificate is governed by the laws of the State of Issue shown above, which is the state of issue of the group policy.

Group Policyholder Service Toll­Free Number

Questions regarding coverage under this policy or requests for assistance in resolving complaints can be directed to us, toll­free, Monday through Friday between the hours of 8 a.m. and 6 p.m. Eastern time, at the following telephone number:

1­800­451­2513.

Table of Contents

Insurance Schedule

Definitions

Dental Expense Benefits

: Employee Insurance

: Dependent Coverage

: Determination of Benefits

: Covered Dental Expenses

: Exclusions

: Coordination of Benefits

Termination Provisions

Federal Continuation of insurance

General Provisions

General Dental Provisions

PART 1: INSURANCE SCHEDULE

For Dental Expense Benefits for Employees And Dependents

Eligible Employee: Each Full­Time Non­Union Employee

Date of Eligibility (Waiting Period):

Initial Employees: The waiting period for your plan is shown in the Employer's Plan of Insurance.<<<<<DEFINE>>>>

New Employees: The waiting period for your plan is shown in the Employer's Plan of Insurance.

SCHEDULE OF DENTAL BENEFITS

Covered Per Person Percent of Covered Per Person

Expense Deductible Expenses Payable* Maximum Benefit

Type I None 100% Per Calendar Year:

Type II $50 ** 80% $500.00 for Type I,

Type III $50 ** ­ 50% II and III expenses

combined.

* After applicable Deductible.

** Only one deductible applies if both Type II and III expenses are incurred.

The Maximum Family Deductible is $150.

The Maximum Family Benefit is $1,500 per Calendar Year for Type I, II and III expenses combined.

This policy provides employee insurance and dependent coverage on a contributory basis

PART 2: DEFINITIONS

Accidental Bodily Injury

A bodily injury resulting directly from an accident, and independently of all other causes.

Actively At Work

You are actively at work on any day if on that day you are:

1. Working at your Employers usual place of business or at such place or places that the Employer's normal course of

business may require;

2. Performing all of the duties of your job on a full­time basis; and

3. Not confined in any institution providing care or treatment of physical or mental infirmities.

Calendar Year

The period beginning on January 1st and ending on December 31st of the same year.

Child

The term "Child":

1. Means a child who:

a) is unmarried;

b) is receiving more than 50% of support from you;

c) is either:

i) under 25 years of age and living in your household; or

ii) a full­time or part­time Student age 25 or under; or

iii) a Handicapped Child as defined below; and

Is limited to:

a) your natural born child or other child related to you by blood;

b) your stepchild;

c) your foster child or other child in court­ordered temporary or other custody;

d) your legally adopted child or child residing with you pending adoption; and

3. Is subject to the following restrictions:

a) no Child will be considered as a Dependent of more than one insured Employee; and

b) no Child will be considered a Dependent after the end of the Calendar Year in which such Child attains age 25.

Contributory Insurance

Insurance for which an eligible employee enrolls and agrees to pay the required cost.

Covered Person

You or your Dependent who is insured for Dental Expense Benefits.

Customary Charge

The fee for a service which we determine is the amount standardly charged by most dental offices in the locality where the charge for such service is incurred. Locality means an area whose size is large enough, as determined by us, to give an accurate representation of standard charges for that type of service.

Dental Hygienist

Someone who meets both of the following requirements:

1. Is currently licensed to practice dental hygiene by the state in which he or she practices; and

2. Is acting under the supervision and direction of a Dentist.

Dental Prophylaxis

Preventive treatment which includes scaling and polishing, the complete removal of explorer­detectable calculus, soft deposits, plaque, stains and the smoothing of tooth surfaces coronal to the gingival attachment. For benefit purposes, periodontal maintenance shall be considered as an adult prophylaxis. A multiple appointment cleaning shall be considered as a single prophylaxis.

Dental Treatment Plan

The Dentist's report of recommended treatment on a form satisfactory to us which:

1. Itemizes the dental procedures and charges required for the necessary care of the mouth;

2. Lists the Usual Charges for each procedure; and

3. Is accompanied by supporting x­rays and any other appropriate diagnostic materials as required by us.

Dentist

Someone who meets both of the following requirements:

1. Is currently licensed to practice dentistry by the state in which he or she practices; and

2. Is acting within the scope of his or her license.

Dependent

The term "Dependent":

1. Means:

a) your lawful spouse; or

b) your Child; but

2. Does not include a person who is an Employee of your Employer unless you and your spouse are each Employees

of the Employer and you have or acquire a Dependent Child. In that event, the Employee whose employment date

with the Employer is the later of the two will be insured as a Dependent rather than an Employee, subject to the

"Date of Eligibility" section under DEPENDENT COVERAGE and all the other terms of the policy.

Eligible Employee

Someone who under the terms of the policy: Meets the requirements in the definition of Employee; and 2. Completes the waiting period (described in the "Date of Eligibility" section).

Employee

Someone who meets the following requirements:

1. Is an employee of the Employer, as stated in PART 1: Insurance Schedule;

2. Regularly works at least 30 hours per week at such Employer's usual place of business or at such place or places that the Employers normal course of business may require, unless otherwise stated in PART 1: Insurance Schedule;

3. Is paid for such work in accordance with applicable Wage and Hour Laws; and

4. Is in a classification eligible for insurance as shown in the Employer's Plan of Insurance or as noted in the Insurance Schedule, if applicable.

Employer (Eligible Employer)

The Employer shown on the first page, the American National Bank.

Student

A Child who:

1. Is attending on a full­time or part­time basis a college or university licensed as such by the state in which it is located; and

2. Is enrolled for at least the minimum number of course credits required by such college or university to maintain standing as a full­time or part­time student.

Functioning Natural Tooth

The term "Functioning Natural Tooth" means that part of the tooth that is formed by the human body that:

1. Maintains arch length space;

2. Is utilized in the masticatory function; and

3. Is adequately supported by the surrounding structures.

Handicapped Child

A Handicapped Child is a Child who may be insured beyond the applicable age limit shown above in the definition of

Child, as long as:

1. Such a Child is:

a) unmarried;

b) incapable of self­sustaining employment by reason of:

i) mental retardation; or

ii) physical handicap; dependent upon you for support and maintenance; and insured:

i) under the policy upon attaining age 25 if such Child lives in your household; or

ii) under the policy prior to or upon attaining age 25, if such Child is a full­time or part­time Student; or

iii) as a handicapped child under a Group Dental Insurance Plan of your Employer immediately prior to the

date on which your Employer became an Eligible Employer; and

2. You submit on the Child's behalf Proof of such incapacity and dependency if a claim is denied; and

3. Premiums for such Child's coverage continue to be paid from the date such Child attains age 25.

Incurred Date

A Covered Dental Expense will be considered incurred as follows:

1. For full or partial dentures ­ on the date the final impression is made.

2. For fixed bridges, crowns, inlays, onlays ­ on the date of the final preparation of the teeth.

3. For root canal therapy ­ on the date the pulp chamber is opened.

4. For all other services ­ on the date the service is provided.

Initial Employees

Employees who are working for the Employer on the date such Employer becomes an Eligible Employer.

Late Entrant

Late Entrant means someone who:

1. Complies with the "Conditions of Insurability" for Dental Expense Benefits more than 31 days after he or she becomes eligible; or

2. Requests reinstatement of insurance which was terminated while he or she remained eligible for insurance under the policy.

New Employees

Employees who start working for the Employer after the date such Employer becomes an Eligible Employer.

Non­Contributory Insurance

Insurance for which an eligible employee is enrolled but pays no part of the cost.

Proof

Any information that is:

1. Required by us under the terms of the policy; and

2. Satisfactory to us.

Usual Charge

The fee regularly charged and received for a given service by the Dentist's office.

We (we, us, Our, our)

Phoenix American Life Insurance Company, Hartford, Connecticut

You (you, Your, your)

The Employee.

PART 3: DENTAL EXPENSE BENEFITS: EMPLOYEE INSURANCE

Date of Eligibility (Waiting Period)

You will be eligible for insurance on the date you complete the number of consecutive days or months of full­time continuous active service shown in the Insurance Schedule.

"Full­time continuous active service" means that you satisfy the Actively At Work definition at all times during said Waiting Period except that minor interruptions for a total period of not more than five days in the aggregate during such period will be disregarded. If you were on an approved leave of absence granted in accordance with a State Family Leave Law or the Federal Family Leave Act, you will be considered Actively At Work for the purpose of this provision, provided you were insured under the prior plan during this leave and continuation of coverage during this leave is based upon a uniform policy of your Employer and not individual selection.

Conditions of Insurability

To become insured under the policy you must:

1. Complete and submit one of our enrollment cards or, if applicable, one of the enrollment cards that we and your Employer have agreed to use in place of our enrollment cards; and

2. Agree to make any required contribution toward the cost of the insurance.

If you submit an enrollment card more than 31 days after the date you become an Eligible Employee, you are a Late Entrant with respect to Employee Insurance and you will be subject to the "Limitation on Late Entrants', section below.

Effective Date of Insurance

Once you have met the Conditions of Insurability, you will be insured under the policy on the date you become eligible, provided you are Actively At Work on that date. Otherwise, you will be insured on the date you are again Actively At Work.

If you are not Actively At Work on such date solely because such date was not a regularly scheduled working day, you will be deemed Actively At Work on that date.

Limitation on Late Entrants

For the first 24 months that a Late Entrant is insured for these DENTAL EXPENSE BENEFITS, the benefits will be limited as follows;

1. Benefits for the first twelve months will be limited to Type I COVERED DENTAL EXPENSES.

2. Benefits for the second twelve months will be limited to Type I and Type II COVERED DENTAL EXPENSES.

If you request reinstatement of insurance that was terminated while you remained eligible for such insurance under the policy, the above limitations will apply from the date on which such insurance is reinstated. Any time period for which such insurance was effective prior to such date cannot be used to satisfy the time limitations stated above.

Increases in Insurance

If for any reason there is an increase in the amount of insurance or benefits for which you are eligible, you will be insured for such increased amount or benefits on the date of the increase provided you are Actively At Work on that date. Otherwise, you will be insured for such increased amount or benefits on the date you are again Actively At Work.

If you are not Actively At Work on such date solely because such date was not a regularly scheduled working day, you will be deemed Actively At Work on that date.

Decreases in Insurance

If there is a decrease in the amount of insurance or benefits for which you are eligible, you will be insured for such decreased amount or benefits on the date of the decrease.

Newborn Dependent Coverage

A Child born to you or a covered family member while the policy is in force shall be a covered family member from the moment of birth. However, with respect to a newborn Child of a Covered Dependent who is other than your spouse, coverage for such Child will cease 18 months after the birth of such Child.

Coverage for such newborn Child shall consist of coverage for injury or sickness, including care or treatment of congenital defects, birth abnormalities, or premature birth and charges for transportation of a newborn Child to and from the nearest appropriately staffed and equipped facility for dental treatment; subject to the following:

1. The attending Physician must certify that the transportation is necessary to protect the health and safety of the newborn Child; and

2. The benefit payable for such charges will be subject to a maximum of $1,000.

Such coverage shall not include benefits for normal newborn Child care. Coverage with respect to policy benefits shall be those applicable to children.

Such coverage shall continue after the date of birth until proper notice has been furnished to the insured by us as to the amount of any additional premium for such Child's coverage. All liability with respect to such Child shall terminate at the end of 31 days after notice has been furnished to the insured, unless on or before such thirty­first day, the additional premium, if any, has been paid to us or its licensed agent authorized to receive such premium payment.

In order to become insured with respect to a Child, you must meet the Conditions of Insurability provisions of the DENTAL EXPENSE BENEFITS: DEPENDENT COVERAGE part. If timely notice is provided as described in that part, additional premiums will not be required for coverage provided during the 31 days notice period. If timely notice is not provided to us, we will require additional premiums be paid from the moment of birth. Coverage for a newborn Child will not be denied due to a failure to notify us that you have acquired such Dependent.

For the purpose of this section, your adopted Child or Child pending adoption or placement will be insured as shown above from the date such Child is placed in your home. In the case of a newborn Child, coverage will begin from the moment of birth provided that a written agreement to adopt such Child has been entered into by the insured prior to the birth of the Child.

For the purposes of this section, the restrictions on the amount of support the newborn Child of a covered family member receives from you or the age limit of such newborn Child as shown in the Definition of Child will not apply.

PART 3A: DENTAL EXPENSE BENEFITS: DEPENDENT COVERAGE

Date of Eligibility

If you have at least one Dependent on the date you become insured for Employee Insurance, you will become eligible for Dependent Coverage on that date. If you do not have a Dependent on that date, you will become eligible for Dependent Coverage on the date that you acquire one. If you and your spouse are both insured as Employees of your Employer on the date you acquire a Dependent Child, then on such date, the Employee whose employment date with the Employer is the later of the two will be deemed a Dependent rather than an Employee, subject to all the terms of the policy.

Conditions of Insurability

To become insured with respect to a Dependent:

1. You must be insured for Employee Insurance.

2. Your Employer must notify us that you have or have acquired such Dependent. 3. You must agree in writing to make any required contribution.

If the requirements in items 2 and/or 3 of this section are met more than 31 days from the date you become eligible for coverage for a Dependent, you are a Late Entrant with respect to Dependent Coverage and you will be subject to the "Limitation on Late Entrants" section below.

Effective Date of Insurance

Once you have met the Conditions of Insurability, you will be insured with respect to your Dependent as follows:

1. If your Dependent is not confined in any institution for medical care or treatment or confined at home or elsewhere, on the date you become eligible for Dependent Coverage; or

2. If your Dependent is so confined on the date you become eligible for Dependent Coverage, on the date that Dependent has ceased to be so confined and is now able to perform substantially all of the normal activities of a person of like age and sex in good health.

Limitation on Late Entrants

If you are a Late Entrant with respect to Dependent Coverage, benefits for the first 24 months of coverage for your Dependent will be limited as follows:

1. Benefits for the first twelve months will be limited to Type I COVERED DENTAL EXPENSES.

2. Benefits for the second twelve months will be limited to Type I and Type II COVERED DENTAL EXPENSES.

If you request reinstatement of insurance with respect to Dependent Coverage that was terminated while you remained eligible for such coverage under the policy, the above limitations will apply from the date on which such coverage is reinstated. Any time periods for which such coverage was effective prior to such date cannot be used to satisfy the time limitations stated above.

Increases in Insurance

If there is an increase in the amount of insurance or benefits for which you are eligible with respect to your Dependent, your Dependent will be insured for such increased amount or benefits on the date of the increase.

Such Dependent, however, must not be confined in any institution for medical care or treatment or confined at home or elsewhere on that date. If the Dependent is so confined, such Dependent will be insured for such increased amount or benefits on the date he or she has ceased to be so confined and is now able to perform substantially all of the normal activities of a person of like age and sex in good health.

In addition, you must be insured for such increase under the terms of the "Increases in Insurance" section of EMPLOYEE INSURANCE before your Dependent can be eligible for such increase.

Decreases in Insurance

If there is a decrease in the amount of insurance or benefits for which you are eligible with respect to your Dependent, such Dependent will be insured for such decreased amount or benefits on the date of the decrease.

PART 5: DENTAL EXPENSE BENEFITS: COVERED DENTAL EXPENSES

A COVERED DENTAL EXPENSE is the lesser of the Usual Charge or the Customary Charge for any of the dental services listed below, when those services are performed by a Dentist or Dental Hygienist and are essential, as determined by us, for the necessary dental care of a Covered Person, and which have a favorable prognosis, as determined by us.

The following is a complete list of those dental services which will be considered as COVERED DENTAL EXPENSES; however, expenses that are incurred for the performance of any dental service not listed below will be considered a COVERED DENTAL EXPENSE only if we agree in writing to accept such expenses as COVERED DENTAL EXPENSES. If we so agree, the benefit that we pay will be consistent, as determined by us, with a payment for such similar COVERED DENTAL EXPENSES that would provide the least costly professionally adequate treatment.

PART 6: DENTAL EXPENSE BENEFITS: EXCLUSIONS

COVERED DENTAL EXPENSES do not include and no benefits are provided for:

1. Procedures which are not included in the list of COVERED DENTAL EXPENSES.

2. Procedures which we determine to be unnecessary.

3. Procedures which we determine do not have uniform professional endorsement.

4. Procedures related to the change of vertical dimension, restoration of occlusion, bite registration, or bite analysis.

5. Charges for replacement of bridges, partial or full dentures, inlays, onlays or crowns:

a) if they can, as determined by us, be satisfactorily repaired and restored to function;

b) during the first 24 months these DENTAL EXPENSE BENEFITS are in effect for a Covered Person, if within

120 consecutive months of the date of insertion; or

c) after the first 24 months these DENTAL EXPENSE BENEFITS are in effect for a Covered Person, if within 60

consecutive months of the date of insertion.

Exceptions to exclusions 5b and 5c will be made if the replacement is made necessary by:

i) the extraction of a Functioning Natural Tooth; or

ii) Accidental Bodily Injury. Such Injury must occur while the Covered Person is insured under the policy.

Chewing injuries are not considered Accidental Bodily Injuries.

6. Implants, lost or stolen appliances, precision or semi­precision attachments, over dentures or customized prostheses, denture duplication, or other customized attachments.

7. Procedures that we determine are cosmetic in nature.

8. The initial placement of partial or full dentures, or bridges if the prosthesis includes the replacement of teeth missing prior to the effective date of the Covered Person's coverage including congenitally missing teeth. This exclusion will not apply if the prosthesis replaces a Functioning Natural Tooth that is extracted by a Dentist while the Covered Person is insured under the policy.

9. Charges for any of the following:

a) dental care arising out of or in the course of employment for pay or profit or which is covered by Workers'

Compensation or a similar law;

b) care, treatment, services or supplies which are furnished, paid for or reimbursable by any government or

subdivision of government. This restriction will not apply:

i) to the extent that the Covered Person is required by law to pay such charges;

ii) to charges incurred by a veteran for non­service connected COVERED DENTAL EXPENSES; and

iii) to charges incurred by retired veterans or Dependents of veterans confined in a military hospital;

c) dental care resulting from any injury sustained as a result of war, declared or undeclared, or any action of war

or any resistance to armed invasion or aggression or international police action;

d) failure to keep appointments;

e) dental care resulting from any injury which is self­inflicted or not caused by an accident;

f) dental care resulting from active participation in a riot;

The words "participation" and "riot" in the phrase "participation in a riot" will be defined as follows:

Participation ­ includes promoting, inciting, conspiring to promote or incite, aiding, abetting, and all forms of

taking part in, but will not include actions taken in defense of public or private property, or actions taken in

defense of the person of the insured, if such actions of defense are not taken against s ­'­ ng '

maintain or restore law and order including but not limited to police officers and firemen.

Riot­ includes all forms of public violence, disorder, or disturbance of the public peace, by three or more

persons assembled together, whether or not acting with a common intent and whether or not damage to person

or property or unlawful act or acts is the intent or the consequence of such disorder; and

9. dental care resulting from participation in the commission of a felony.

persons seeking to

10. Orthodontic Treatment.

11. Charges for orthognathic surgery or any other procedure, service or supply required directly or indirectly to treat a muscular, skeletal, orthopedic, or neural disorder, dysfunction or disease of the temporomandibular joint and its associated structures including myofascial pain dysfunction syndrome, but not limited to: a) orthodontics such as braces; b) prosthodontics such as: i) crowns; or ii) bridgework; c) periodontics and related procedures; d) endodontics; e) occlusal adjustments; and f) surgical procedures required for the placement of: i) dentures; or ii) other prosthetic devices.

12. Charges made by a Dentist or Dental Hygienist who: a) normally lives in the Covered Person's home; or b) is a member of your immediate family.

Immediate family is limited to:

i) you;

ii) your spouse; and

iii) parents, brothers, sisters or children of either you or your spouse, whether related by blood or marriage.

13.COVERED DENTAL EXPENSES incurred while insurance is not in force.

14. Charges for care, treatment, services, or supplies to the extent that any benefit is provided by Medicare.

15. Charges which are not customarily made when there is no insurance, or charges for which there is no legal obligation to pay.

16. Dental care which is not customarily performed or which is experimental in nature, or for implantology.

17. Charges for sealants, oral hygiene instruction, a plaque control program or dietary instruction.

PART 7: DENTAL EXPENSE BENEFITS: COORDINATION OF BENEFITS

Definitions

Plan

Any plan provided by any employer or any other plan required by law that provides dental expense benefits or services

under:

1. Group insurance or any other insured or uninsured arrangement of coverage for which any employer; a) contributes all or part of the cost; or b) makes payroll deductions; or

2. Basic automobile reparations (no­fault) insurance, but only:

a) to the extent of the benefits required by or available under the applicable no­fault law; and

b) if such no­fault insurance does not, under its rules, determine its benefits after the benefits of any group health

insurance.

The term "Plan" will be construed as follows:

1. Separately with respect to each policy, contract, or other arrangement for benefits or services; and

2. Separately with respect to each of the following:

a) that part of any such policy, contract, or other arrangement which reserves the right to take into account the

benefits or services of other Plans in determining benefits; and

b) that part which does not reserve such right.

Benefits payable under another Plan include the benefits that would have been payable if claim had been made for them.

This Plan

Your Employer's Plan of DENTAL EXPENSE BENEFITS with us.

Allowable Expense

Any necessary, reasonable, and customary item of COVERED DENTAL EXPENSE (as defined in Parts 5 and 6) that is at

least partly covered under at least one of the Plans covering the person for whom claim is made.

When a Plan provides benefits in the form of services rather than cash, the value of each service rendered will be

considered to be both:

1. An Allowable Expense; and

2. A benefit paid.

Claim Determination Period

A Calendar Year. However, if a person is not eligible for benefits under This Plan during all of a Calendar Year, the Claim Determination Period for the person for that Year will be the part of the Year during which he or she was eligible for benefits.

COB

Coordination of Benefits.

Use of COB

In computing the benefits payable under This Plan, the benefits from other Plans will be taken into account. This may require a reduction in benefits under This Plan, so that the combined benefits will not be more than the Allowable Expenses of This Plan and any other Plan.

Computation of Benefits under COB

Specifically, in a Calendar Year, This Plan will always either pay its regular benefits in full, or it will pay a reduced amount which, when added to the benefits payable and the cash value of any services provided by the other Plans, will equal 100% of the Allowable Expenses incurred by the person for whom claim is being made.

Limit on Use of COB

In computing the benefits under This Plan, the benefits under any other Plan will not be included if:

1. Such other Plan contains a COB provision that:

a) provides for coordinating its benefits with those of This Plan; and

b) under its terms, would compute its benefits after we compute the benefits under This Plan; and

2. The rules shown in the "Order of Benefit Determination" section require that This Plan's benefits are computed

before such other Plan computes its benefits.

Order of Benefit Determination

When the benefits of This Plan are coordinated with another Plan that contains such a provision, the following rules will determine 1he order in which benefits are determined:

1. A Plan that covers a person other than as a dependent will be considered 10 pay its benefits before a Plan that

covers that person as a dependent. However, if the person is also a Medicare beneficiary, and if the rule

established under the Social Security Act of 1965 as amended, makes Medicare secondary to the plan covering the

person as a dependent of an active employee, benefits will be determined in the following order:

a) the Plan that covers a person as an employee

b) the Plan of an active worker that covers a person as a dependent

c) Medicare benefits.

2. A Plan that covers a person as a dependent Child of an Employee whose month and day of birth occur earlier 1n the Calendar Year will be considered to pay its benefits before a Plan that covers that person as a dependent Child of an Employee whose month and day of birth occur later In the Calendar Year. If both employees have the same birthday the Plan of the Employee who has been covered Or the longer period of time will determine as benefits before the Plan of the Employee who has been covered for the shorter period of time. If, however, the COB provisions of any other Plan do not contain a rule 1ike the one described in the preceding sentence, then such rule will not apply and the applicable rule set forth In such other Plan shall determine the order of benefit payment However, if two or more Pans cover a Dependent Child of divorced or separated parents, benefits will be determined in the following order:

a) if there is a court decree that sets the responsibility for the child's health care, and such knowledge is made known by the entity obliged to provide such benefits, the Plan of the parent with such responsibility will determine its benefits first. This does not apply with respect to any claim determination period during which benefits were actually paid before the entity has such knowledge; otherwise

b) the Plan of the parent with custody of the Child;

c) the Plan of the spouse of the parent with custody of the Child; and

d) the Plan of the parent not having custody of the Child.

3. A Plan that covers a person as an employee who is neither laid off nor retired, or as such person's dependent will determine benefits before a Plan that covers such person as an employee who is laid off or retired or as such person's dependent If the other Plan is not subject to this rule, and if as a result, the Plans do not agree on the order of benefits this item will not apply.

4. Where 1, 2 and 3 above do not establish the order of payment the Plan under which the person has been covered for the longer period of time will be considered 10 pay its benefits before the other.

5. A Plan that covers a person as an employee or as a dependent of an employee will determine benefits before a Plan that covers a person as a former employee or as a dependent of a former employee In accordance with the provisions of the _ Reconciliation Act of 1987 (COBRA)

Our Rights Under COB

We have the right to release or obtain any information and make or recover any payments we consider necessary in order to administer this provision.

Right To Receive or Release Necessary Information

We may, without the consent of or notice to any person, release to or obtain from any other insurance company, organization or person any information, with respect to any person, that may be needed to apply the terms of the COB provision or any similar provision of any other Plan.

Any person who claims benefits under This Plan must furnish to us any information that we may need to apply the COB provision. For the purposes of this section only, any person who is insured under This Plan will be deemed to have authorized us to secure the information necessary to apply the terms of this provision.

Facility of Payment

If any payment that should have been made under This Plan according to the COB provision is made under any other Plan, we have the right to pay to the organization that made such payment any amount that, in our judgment, will satisfy the intent of the COB provision. Any amount so paid will:

1. Be deemed a benefit paid under This Plan; and

2. Fully discharge us from our liability under This Plan.

Right of Recovery

If a payment made under This Plan is in excess of the total amount required to satisfy the intent of the COB provision, we have the right to recover any excess amount from one or more of the following: 1. Any person to whom, for whom, or with respect to whom such payment is made. 2. Any other insurance company. 3. Any other organization.

PART 8: TERMINATION PROVISIONS

Termination of Employee and Dependent Insurance

The DENTAL EXPENSE BENEFITS coverage for you and your Dependents will automatically cease on the earliest date shown below:

1. On the date you are no longer Actively At Work except that:

a) while you are sick or injured, your employment will be deemed to continue for up to 12 months from the date your disability began, as long as your Employer keeps paying premiums on your behalf;

b) while you are temporarily laid off or on a temporary leave of absence (except a leave of absence to enter military or naval service), your employment will be deemed to continue, as long as premium payments are made, for up to two months, unless your Employer cancels your insurance before the end of that time; and while you are on an approved leave of absence granted in accordance with a State Family Leave Law or the Federal Family Leave Act, your coverage will be deemed to continue, provided premium payments are made and the continuation of coverage during this leave is based upon a uniform policy of your Employer and not individual selection, for the lesser of the duration of the approved leave or 4 months from the last day you are Actively At Work, unless your Employer cancels your insurance before the end of that time.

2. On the date you cease to be in a class of Employees who are eligible for such coverage. This means you are no longer an active full­time Employee;

3. On the date you fail to make any required contribution;

4. On the date such coverage is terminated for any reason;

5. On the date such coverage is terminated for the class of Employees to which you belong;

6. On the date such coverage is terminated for all Employees; or

7. On the date your Employer's participation in the Trust and under the policy is terminated.

Termination of Dependent Coverage Only

The DENTAL EXPENSE BENEFITS coverage for your Dependents only will automatically cease before your Employee

Insurance on the earliest of:

1. The date you cease to be in a class of Employees who are eligible for such Dependent Coverage;

2. The date you fail to make any required contribution for such Dependent Coverage;

3. The date such Dependent Coverage is terminated for any reason; or

4. The date a person ceases to be a Dependent as defined in the policy, but only with respect to such person.

PART 8A: FEDERAL CONTINUANCE OF INSURANCE

Termination Date

This section will cease to be effective on the first day the Employer is no longer required to provide COBRA Continuance benefits under this plan.

Continuance Benefit Description

Each Qualified Beneficiary who would lose coverage under this plan as a result of a Qualifying Event that occurs while the plan is subject to COBRA, may elect continuation coverage under this plan subject to the terms and conditions of the plan.

Qualified Beneficiaries

Qualified Beneficiaries are the following persons, if covered under this plan on the day before the Qualifying Event:

1. The Covered Employee, only if the Qualifying Event is a termination of employment (other than by reason of gross misconduct) or reduction in hours;

2. The spouse of the Employee; and

3. The Dependent Child of the Employee.

No person entitled to benefits under Medicare shall be entitled to COBRA Continuance for Core and/or Non­Core benefits.

Qualifying Events

Qualifying Events are the following events which, if this continuation benefit was not available, would result in the loss of coverage by a Qualified Beneficiary:

1. The termination (other than by reason of gross misconduct), or reduction in hours of the Covered Employee's employment;

2. The death of the Covered Employee;

3. The divorce or legal separation of the Covered Employee from the Employee's spouse;

4. The Covered Employee becoming entitled to benefits under Medicare; or

5. A Dependent Child ceasing to qualify as a Dependent under this plan.

Duration of Continuance

Unless otherwise stated, coverage for each Qualified Beneficiary electing continuance benefits shall be provided from the date of the Qualifying Event to the earliest of the following dates:

1. 18 months after the Qualifying Event if due to termination of employment or reduction in hours, however, if you are disabled on the date of the Qualifying Event, as determined by the Social Security Administration, you may be entitled to an additional 11 months of coverage as long as you:

a) notify the employer of the Social Security determination prior to the end of the original 18 month period; and

b) provide the employer with a copy of the Social Security determination of disability within 60 days of the Social Security Administration's decision.

2. 36 months after the Qualifying Event for all Qualifying Events other than in item 1 above;

3. The date on which This Plan is discontinued for all Employees in the same class as the Covered Employee;

4. The date any required contribution for a person on Continuance is not made;

5. The date the person on continuance is entitled to benefits under Medicare; or

6. The date the person on continuance becomes covered under any Croup Health Plan. However the Qualified

Beneficiary may keep these continuance provisions provided:

a) the Qualified Beneficiary has a pre­existing condition; and

b) the new Group Health Plan contains a pre­existing limitation with respect to any pre­existing condition of the Qualified Beneficiary.

Level of Benefits

Unless otherwise stated, each Qualified Beneficiary shall be entitled to continue the same benefits he or she was provided under This Plan prior to the Qualifying Event. If the Qualified Beneficiary was required to be covered for both Core and Non­Core benefits under This Plan prior m the Qualifying Event he or she may be required to select between Core benefits only or Core and Non­Core benefits together.

Open Enrollment Periods

If an open enrollment period is provided under This Plan, each Qualified Beneficiary shall be entitled to the same benefit choice regarding This Plan as if he or she was an active employee of the Employer.

Plan Changes

If benefits under This Plan are changed for active participants of the same class (determined by such factors as lob description relationship to Employee, etc.) as the Qualified Beneficiary on continuance, such Qualified Beneficiary shall be provided such changed Plan subject to the same conditions as Active Participants. Unless otherwise agreed, such person may not retain the benefits provided under This Plan prior to the change.

General Provisions Relating to COBRA Continuance Benefits

The following additional provisions apply to the COBRA continuance benefits described above:

1. Election Period and Premium Payments

a) Each Qualified Beneficiary who desires continuance benefits must elect such benefits on any required election form and agree to pay any required contribution within the 60 day period referred to in the Notice of Federal Continuance Rights provided by the Employer. The failure to make an election within the 60 day period referred to above will result in the loss of the continuance option

b) The amount and due dates of any required premiums/contributions for continuance coverage shall be as stated in said notice form. The required premiums/contributions am subject to change if said amounts are changed for active participants of the same class (determined by such factors as lob description, relationship to Employee, etc.).

2. Notification Requirements

a) Each Covered Employee or Qualified Beneficiary must notify the Employer no later than 60 days after any of the following events occur:

i) here is a divorce or legal separation between the Covered Employee and his or her spouse;

ii) a child ceases to be a dependent Child as defined in the policy

b) The failure of 1he Employee or Qualified Beneficiary to provide this notice will result in the loss of the

continuance option.

3. Conversion

If a Conversion option is provided under His Plan, subject to the terms of such option, a person on continuance is eligible to exercise such right of conversion within the 180 days before the end of the continuance period. This option may be exercised only if such person pays the premium for the conversion coverage and if that person covered under the continuance provision for the full 18 or 36 month period, whichever is applicable. Persons on continuance must advise the Employer within the 180 day period if they wish to convert their coverage.

4. Effect of COBRA on Survivor Benefits

If the Group Health Plan contains a provision for continuing dependent dental expense coverage for surviving Dependents of a deceased Employee in the Termination Provisions part for which a Qualified Beneficiary is eligible, any periods of coverage provided under such provisions shall be offset from the period of coverage available to Qualified Beneficiaries under this Section provided the benefits available under such provisions are no less favorable than those provided under this Section.

5. Other Continuance Options

a) If This Plan contains a health benefit continuance provision in addition to the COBRA continuance option in this Section, Qualified Beneficiaries eligible under such provisions will have the choice of electing coverage under the continuance option which provides the greater benefit, but not both, unless otherwise required by law

b) Regardless of any statement contained in such other continuance option, no person will be eligible for a continuance under such option if such person is eligible for Medicare.

6. Multiple Continuance Periods

If while on an 18 month continuance, a Qualified Beneficiary who is a spouse or dependent child ceases to be eligible for continuance benefits due to any of the Qualifying Events listed above other than termination of employment or reduction in hours, such Qualified Beneficiary will be entitled to continue coverage for up to 36 months measured from the beginning of the 18 month continuance under which such period was covered. Such continuance will be subject to all other terms of This Plan.

7. After­Acquired Dependents

If This Plan provides coverage for Dependents, any Qualified Beneficiary on continuance may add a spouse and/or Dependent Child acquired after the beginning of the continuance period subject to the same terms and conditions as if said Qualified Beneficiary was an active Employee of the Employer. Such acquired Dependents cannot become Qualified Beneficiaries due to multiple Qualifying Events.

8. Dependent Restriction

A Child will be considered as a Dependent of either You or Your spouse, but not both, unless otherwise required by law.

9. Maximums, Deductible, Coinsurance

a) The Maximum Benefit as well as any Internal Special Maximums and any other limits on benefits payable under the continuance benefit required by COBRA will be reduced by any corresponding amounts or limitations previously paid or satisfied, whether in whole or in part, under the Group Policy on the date before the Qualified Beneficiary became ineligible under the Group Policy.

b) Covered Expenses that are used to satisfy the coinsurance and/or deductible provisions under the Group Policy before the Qualified Beneficiary became ineligible under such Group Policy will be applied toward the satisfaction of the coinsurance provisions and/or deductible provisions under the continuance benefit required by COBRA.

10. Coordination of Benefits

In the event you become covered under another group health plan as an employee or dependent of an employee and you remain under this Plan as a COBRA Continuance beneficiary because you meet the conditions under item 6 a) and b) of the Duration of Continuance section, we will coordinate benefits as follows:

A Plan that covers a person as a laid­off or retired employee or as a Dependent of such person, or as a COBRA Continuance beneficiary, will be considered to pay its benefits after a Plan that covers such person as other than a laid­off or retired employee or as a Dependent of such person, or as a COBRA Continuance beneficiary.

Coverage for Persons Entitled to COBRA Continuance Under a Prior Plan

When an employee or dependent has elected the continuance required by COBRA under a Prior Plan or is entitled to elect such continuance due to the termination of the Prior Plan, This Plan will provide continuance benefits for the period of time remaining for such COBRA continuance benefits subject to the terminating events listed in the Duration of Continuance provision above, and all other terms and conditions of This Plan. This Plan will not provide coverage for any benefits available under the Prior Plan whether due to an extension of benefits or otherwise, which would be payable in the absence of This Plan.

Definitions

For the purpose of this Federal Continuance of Insurance only, the following definitions will apply:

COBRA

The Consolidated Omnibus Budget Reconciliation Act of 1985, as amended, which mandates this continuance benefit.

Core Benefits

Any medical and/or prescription drug benefits that a Qualified Beneficiary is receiving on the day before a Qualifying Event.

Covered Employee

This term includes all Employees, former Employees, and other persons classified as Employees who are validly covered under This Plan.

Group Health Plan

Any group plan that provides medical, dental, vision, and/or prescription drug benefits, or services, including plans with limitations and conditions not present under This Plan.

Medicare

All health care or insurance plans or programs under Title XVIII of the United States Social Security Act (Public Law 8997), as amended from time to time.

Non­Core Benefits

Any dental and/or vision benefits that a Qualified Beneficiary is receiving on the day before a Qualifying Event.

Plan Year

This term is defined as stated in the law and regulations governing the COBRA Continuance Benefit.

Prior Plan

Your Employer's Group Health Plan that was in force before the effective date of This Plan.

This Plan (Plan)

Your Employer's current Group Health Plan with us.

PART 9: GENERAL PROVISIONS

The Policy and Application

The group policy issued to the Policyholder, together with the application of the Policyholder, is the entire contract between us and the Policyholder. All statements that the Policyholder, the Employer, or you, the Employee, make are deemed to be representations and not warranties. No written statement signed by you will be used in any legal action against you unless we give you or your representative a copy.

Changes To The Policy

We and the Policyholder can change the policy in its entirety or with respect to any or all class or classes of Employees of any Employer at any time if we and the Policyholder agree in writing to make such a change. Any such change will be valid without the consent of any person other than the Policyholder and us. All such changes will be signed by our President, Vice President, Secretary or Treasurer and countersigned by one of our registrars or our President, Vice President, Secretary or Treasurer. No agent may change or waive any of the policy provisions; nor can an agent make any agreement that would be binding on us.

Waiver of Policy Provision

If at some time we choose to waive a policy provision, we still retain our right to enforce that provision at any other time. To be effective, such waiver must be in writing and signed by a person who is authorized by us to waive such terms.

Limit of Premium Refunds

Whether premiums were paid in error or otherwise, we will refund only that part of the excess premium that was paid during the 1 2­month period that preceded the date we learned of such overpayment.

Clerical Error

Clerical errors in connection with the policy or delays in keeping records for the policy whether by us, the Policyholder, or

the Employer:

1. Will not terminate insurance that would otherwise have been effective.

2. Will not continue insurance that would otherwise have ceased or should not have been in effect.

If appropriate, a fair adjustment of premium will be made to correct the error, subject to the "Limit of Premium Refunds" section.

Misstatement of Facts

If relevant facts about any Employer or Employee relating to this insurance are not accurate: 1. If appropriate, a fair adjustment of premium will be made, subject to the "Limit of Premium Refunds" section. 2. The true facts will decide whether, and in what amount, and for what duration insurance is valid under the policy.

Notice

Any obligation we may have to give written notice will be satisfied by sending such notice to the last known address of the person or institution entitled to such notice.

Discharge of Our Responsibility

Payment made under the terms of any section of the policy will, to the extent of such payment, release us from all further obligations under the policy. We will not be obligated to see to the application of such payment.

Reimbursement

Reimbursement will be made to us for any overpayments that we may make due to any reason. Deductions may be made from future benefit payments to recover any such overpayments.

If we have reimbursed you for all or part of a payment which you or a Covered Dependent, if any, were entitled to recover from a third party, you or such Dependent must repay us at that time to the extent that we have reimbursed you or such Dependent, regardless of whether your coverage or that of such Dependent is still in force on the date you or such Dependent recover such amount.

Time Limit on Certain Defenses

After 2 years from the issue date, only fraudulent misstatements in the application may be used to void the policy or deny any claim for loss incurred or disability starting after the 2­year period.

If your Employer's benefit plans are subject to the requirements of the Employee Retirement Income Security Act of 1974 (ERISA), the following provisions apply:

Your Rights Under ERISA

As a participant in your Employer's benefit plans, you are entitled to certain rights and protection under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all participants shall be entitled to:

1. Examine, without charge, at the plan administrator's office and at other specified locations, all plan documents, including insurance contracts and copies of all documents filed by the plan with the U.S. Department of Labor, such as detailed annual reports and plan descriptions.

2. Obtain copies of all plan documents and other plan information upon written request to the plan administrator. The administrator may make a reasonable charge for the copies.

3. Receive a summary of the plan's annual financial report. The plan administrator is required by law to furnish each participant with a copy of this summary annual report.

4. Receive notice of our decision, and to have this decision reviewed if you disagree with it in any respect by submitting your issues and comments to us in writing. ERISA governs the procedure under which you may appeal our claims decision. ERISA also provides certain limits upon the actions which are available to challenge that claims decision.

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 the 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, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a plan benefit or exercising your rights under ERISA. If your claim for a plan benefit is denied in whole or in part, you must receive a written explanation of the reason for denial. You have the right to have the plan review and reconsider the claim.

If you have any questions about your plan, you should review the Summary Plan Description for further information concerning your rights, including your rights under ERISA. Your plan administrator is required to furnish the Summary Plan Description to you. If your question is not resolved by reviewing the Summary Plan Description, you should then contact the plan administrator. If you have questions about this statement or about your rights under ERISA, you should contact the nearest Area Office of the U.S. Labor Management Services Administrator, Department of Labor.

Benefits Fiduciary

We are a fiduciary, as that term is used in ERISA and the regulations which interpret ERISA, with respect to Phoenix American Life Insurance Company insurance plans under which you, and if applicable, your dependents are insured. In this capacity, we are charged with the obligation, and possess discretionary authority to make claim, eligibility and other administrative determinations regarding those plans. Our authority is limited to such insurance plans and we are not a fiduciary of any other aspect of the ERISA plan of which the insurance benefits constitute a part. We are not the plan administrator (as that term is understood under ERISA) and we are not responsible for any asset or property which belongs to the plan.

PART 10: GENERAL DENTAL PROVISIONS

Proofs of Claim

To aid in the determination of benefits payable, you will be required to submit all dental claims on forms satisfactory to us within 90 days of the Incurred Date of the dental treatment. Also, we have the right to require any of the following:

A complete dental chart showing:

a) extractions;

1. missing teeth;
2. fillings
3. prostheses;
4. periodontal pocket depths; and
5. the date of any work previously performed.

c) d) e) periodontal pocket depths; and f)

2. An itemized bill for all dental care.

3. The following exhibits:

a) x­rays;

b) study models;

c) laboratory and/or hospital records.

4. A dental examination at our expense by a Dentist whom we choose.

5. Any additional information we may need to process your claim. If you or other covered persons fail to furnish

information we require to verify the eligibility of you or other covered persons, we reserve the right to terminate or

rescind such coverage.

If you or any other covered person commits an act of fraud in attempting to secure benefits from us, we may terminate or rescind your (and your Dependents) coverage or the coverage of the person who commits such act.

If we rescind coverage, we will refund any premium paid less any claim reimbursements.

Physical Examination and Autopsy

Except as otherwise provided in the policy, we have the right to have you or your Dependent examined as often as is reasonably necessary following the receipt of a claim and while a claim is pending, or while any payments are being made under the policy. Approval of claim for benefits and the continuation of benefits are subject to your or your Dependent's cooperation in submitting to such examination. In the case of death, we also have the right to require an autopsy as long as the law does not forbid it.

Legal Actions

For 60 days after written Proof of claim, as required by us, has been filed, no legal or equitable action may be brought against us for that claim. No action at all may be brought against us after the expiration of the applicable statute of limitations starting from the date on which written Proof of Claim is required.

Assignment

You cannot assign any interest in the policy unless we agree in writing to such an assignment. We have the right to determine the extent to which any assignment will be honored and the priority of such assignment. We do not assume any responsibility for the validity or sufficiency of any assignment. Any payments made under such assignment after consented to by us will discharge our liabilities under the policy, to the extent of such payments.

Workers' Compensation

This insurance does not take the place of or affect any requirement for coverage by Workers' Compensation Insurance.

Non­Discrimination

In the administration of the plan, the Policyholder and the Employer are obligated to treat you and other Employees in like situations fairly.

Facility of Payment

We will pay you all benefits, if your Proof of claim is satisfactory to us, except in the following situations:

1. You are a minor. In such case, claim may be made by your duly appointed guardian, conservator or committee and we will pay to such person or persons; or

2. Due to physical or mental incapacity, you cannot, in our judgment, give us a valid receipt for payments. In such case, claim may be made as described in item 1; or

3. You die before we pay you. In such case, claim may be made by your executor or the administrator of your estate and we will pay to such person or persons.

If we do not pay you and claim is not made by the appropriate person designated above, we may, at our option, make payments under either or both Methods A or B below. Any decision to pay any benefits, prior to the appointment of the appropriate person designated in items 1, 2 or 3 above, is solely at our discretion, and we may choose to pay no amounts under any circumstances until such appropriate person is formally appointed.

Method A: We may pay the whole or any part of such benefit to any institution or person on whose charges payment of the benefit is based toward the satisfaction of those charges.

Method B: We may pay the whole or any part of such benefit:

a) to your lawful spouse, up to a cumulative amount of $1,500; or

b) if you have no lawful spouse, up to a cumulative amount of $750 to any one or more of the following relatives in the following order of priority:

i) your child or children; or ii) your mother or father.

Time Periods

All time periods referred to in the policy will begin and end at 12:01 A.M. standard time at the Employer's home office.

DENTAL TAKEOVER PROVISIONS

Definitions.

For the purposes of this part only, the following definitions will apply:

This Plan

Your Employers group plan of Dental Expense Benefits with us.

Prior Plan

Your Employer's group plan of Dental Expense Benefits that was in force on the day before the effective date of This Plan.

Course Of Treatment

A planned program of one or more services for the treatment of a diagnosed dental condition.

Takeover Provisions:

Applicability

The provisions of this part apply only to a Covered Person who meets both of the following conditions:

1. On the day before the effective date of This Plan, Such Covered Person is covered under the Prior Plan on a

premium­paying basis; and

2. On the effective date of This Plan, such Covered Person is eligible for coverage.

Exception To Deductible Provision

For the Calendar Year in which This Plan becomes effective, we will reduce a Covered Person's Deductible under This Plan by any amount of Covered Dental Expenses that are incurred in the Calendar Year in which This Plan becomes effective and applied toward the Prior Plan's deductible for such year.

Course Of Treatment Beginning Prior To Effective Date Of This Plan

If a Covered Person incurs Covered Dental Expenses for a Course of Treatment that is started before the effective date of This Plan and is finished after such date, benefits for such Covered Person will be payable under the terms of This Plan except that:

1. No benefits will be payable for any expenses that are payable under the Prior Plan's extension of benefits provision; and

2. Benefits will be payable for only those Covered Dental Expenses incurred during that portion of the Course of Treatment that the Covered Person received while he/she was insured under This Plan.

Right To Receive Necessary Information

We may, without the consent of or without notice to any person, obtain from any other insurance company, organization, or person any information, with respect to any person, that may be needed to apply the terms of this provision.

Any person who claims benefits under This Plan under the terms of this part must furnish to us any information which we may need in order to apply these provisions.