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     Type B Services, 50% of costs up to the reasonable and customary charge for out-of-network
                    Type C Services, and 50% of costs up to the reasonable and customary charge for out-of-network
               OrthodonticServices.
                For residents of Louisiana, Mississippi and Texas, this program generally provides 100% of
                    costs up to the reasonable and customary charge (as defined in the benefit booklet) for out-of-
                   network Type A Services, 90% of costs up to the reasonable and customary charge for out-of-
                    network Type B Services, 60% of costs up to the reasonable and customary charge for out-of-
                    network Type C Services, and 50% of costs up to the reasonable and customary charge for out-
               of-network Orthodontic Services.
                     Type B and Type C Services are covered after a $50 individual or $150 family deductible. Type
                     A, Type B, and Type C Services are subject to a $3,000 annual limit per person. Orthodontic
                       Services are only covered for children under age 19 and are subject to a $3,000 lifetime limit per
               person.
               COBRA Contact:
               Human Resources
               1271 Avenue of the Americas
               New York, NY 10020
               Telephone: 212-931-7852
              DBl/ 89014857.2





