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<br />4.4 HEALTH INSURANCE BENEFIT <br /> <br />(a) Each Participant may elect to be covered under a health and <br />hospitalization Insurance Contract for the Participant, his or her spouse, and <br />his or her Dependents. <br /> <br />(b) The Employer may select suitable health and hospitalization <br />Insurance Contracts for use in providing this health insurance benefit, which <br />policies will provide uniform benefits for all Participants electing this Benefit. <br /> <br />(c) The rights and conditions with respect to the benefits payable <br />from such health and hospitalization Insurance Contract shall be determined <br />therefrom, and such Insurance Contract shall be incorporated herein by <br />reference. <br /> <br />4.5 DENTAL INSURANCE BENEFIT <br /> <br />(a) Each Participant may elect to be covered under the Employer's <br />dental Insurance Contract. In addition, the Participant may elect either <br />individual or family coverage under such Insurance Contract. <br /> <br />(b) The Employer may select suitable dental Insurance Contracts <br />for use in providing this dental insurance benefit, which policies will provide <br />uniform benefits for all Participants electing this Benefit. <br /> <br />(c) The rights and conditions with respect to the benefits payable <br />from such dental Insurance Contract shall be determined therefrom, and such <br />dental Insurance Contract shall be incorporated herein by reference. <br /> <br />4.6 GROUP-TERM LIFE INSURANCE BENEFIT <br /> <br />(a) Each Participant may elect to be covered under the Employer's <br />group-term life Insurance Contract. However, the amount of coverage <br />hereunder on behalf of any Participant may not exceed $50,000. <br /> <br />(b) The Employer may select suitable group-term life Insurance <br />Contracts for use in providing this group-term life insurance benefit, which <br />policies will provide benefits for all Participants electing this Benefit on a <br />uniform basis. <br /> <br />(c) The rights and conditions with respect to the benefits payable <br />from such group-term life Insurance Contract shall be determined therefrom, <br />and such group-term life Insurance Contract shall be incorporated herein by <br />reference. <br /> <br />8 <br />