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SCHEDULE OF BENEFITS The amount of a Covered Employee's coverage is determined from the following table. The initial amount of coverage is the amount .hich applies to a Covered Employee's ClassifIcation on the date his or her coverage takes effect. If a Covered Employee becomes eligible for an increase, it will take effect on the later of: (1) the fIrst day of the Coverage Month which coincides with or follows the date on which the Covered Employee becomes eligible for the increase, provided he or she is Actively at Work on that day; or (2) the day the Covered Employee resumes Active Work, if not Actively at Work on the day the increase would otherwise take effect. Any decrease will take effect on the day of the change, whether or not the Covered Employee is Actively at Work. DENTAL PREFERRED PROVIDER ORGANIZATION (PPO), This plan is designed to provide high quality dental care while controlling the cost of such care. To do this, the Policy encourages a Covered Person to seek dental care from Dentists who have signed a contract with the dental network being offered by the Policy. These Dentists are called Participating Dentists. Use of a Participating Dentist is voluntary. The Covered Person may receive treatment from any Dentist he or she chooses. And he or she is free to change Dentists at any time. But, the Covered Employee's out-of-pocket expenses are usually lower when a Participating Dentist is used. Conversely, out-of-pocket expenses are usually higher when treatment is provided by a Non- Participating Dentist, even if the treatment was recommended or ordered by a Participating Dentist. A listing of Participating Dentists is available from the Employer, Information about Participating Delltists may also be obtained by: (1) accessing the Company's web site at www.jpfmancial.com; or (2) calling the Company's Client Services Department (800) 842 - 3729. This information is included on the ID card provided to each Covered Employee, When the Covered Employee enrolls Eligible Dependents, two ID cards will be provided. When using a Participating Dentist, the Covered Person must present the ID Card. Most Participating Dentists prepare the necessary claim forms, and submit them to the Company for the Covered Person. BenefIts are based on the terms of the Policy. CLASSIFICA nON Plan 1 - All Active Full-time Employees located in a PPO service area Class I All Full-Time Employees located in a PPO service area Plan 2 - All Active Full-time Employees located outside a PPO service area Class 2 All Full-Time Employees located outside a PPO service area ELIGmILITY WAITING PERIOD (For date coverage begins, refer to "Effective Date" section) (a) None for employees who were hired on or before the Policy issue date. (b) 90 days of continuous Active Work for employees who were hired after the Policy issue date, GLll-3-SB 3 09/01/01