EMPLOYEE GROUP INS. RENEWALS -2012

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$7.10 for each Primary Enrollee without enrolled Dependents; and $17.49 for each Primary Enrollee with one or more enrolled Dependents. The Contractholder is required to pay only the billed, monthly Premiums shown above. The total monthly Premium, including billed and subsidized monthly Premiums, is: $55.49 for each Primary Enrollee without enrolled Dependents; and $136.66 for each Primary Enrollee with one or more enrolled Dependents. Contractholder agrees to pay the invoiced amount. Eligibility adjustments reported to Delta Dental after the date the invoice is prepared will be reflected on the subsequent month's invoice. Such adjustments are limited to the three-month period prior to the most current month for which the Contractholder provides eligibility data. Contractholder agrees to bear the cost 75% of such Premiums without withholding or otherwise charging Primary Enrollees for their coverage. Primary Enrollees agree to bear the remaining 25% of the cost of coverage for themselves and the entire cost of coverage for their enrolled Dependents. 3.2 The Premium for each person electing continued coverage under the Continued Coverage Option in Article 10 for himself or herself will be the same as that for a single Primary Enrollee. The Premium for a person who also elects continued coverage for his or her Dependents is the same as that for a Primary Enrollee with the same number of Dependents. The Contractholder may charge persons choosing coverage under Article 10 such amounts as are permitted by law. 3.3 This Contract is not in effect until Delta Dental receives the initial Premiums from the Contractholder. 3.4 If this Contract terminates for any reason, the Contractholder agrees to pay all Premiums earned by Delta Dental but unpaid by the Contractholder. 3.3 In addition to the amounts, if any, which Delta Dental withholds from payments to Dentists as provided in Delta Dental Dentists Rules, the Contractholder authorizes Delta Dental to deduct from each of its monthly payments to Delta Dental 14% of such amount as compensation for Delta Dental's administration of this dental plan. 3.4 After the end of each Contract Term, the stabilization shall be calculated by Delta Dental from the Effective Date of the Contract. The following percentage of any positive amount ("plus stabilization") may be reflected in the calculation of the renewal rate for the succeeding Contract Term and/or may be used to offset the additional cost of increased Benefits for the succeeding Contract Term. 25% for Contractholders with an average monthly enrollment of 100 to 199 Primary Enrollees 50% for Contractholders with an average monthly enrollment of 200 to 299 Primary Enrollees. 75% for Contractholder with an average monthly enrollment of 300 to 399 Primary Enrollees. 100% for Contractholders with an average monthly enrollment of 400 or more Primary Enrollees. Average monthly enrollment is based on the 12-month period preceding each renewal date of this Contract. Any negative or positive amount occurring during a Contract Term will be included in the calculation of the stabilization during the succeeding Contract Term.