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•. 19.4 Employees not choosing dependent coverage cannot be covered <br /> at EMPLOYER expense for any additional insurance than the <br /> individual group health and group life insurance. Additional <br /> life insurance can be purchased by employees at the <br /> employee' s expense to the extent allowed under the EMPLOYER'S <br /> group policy. <br /> 19:5 Individual employees may provide for an increased EMPLOYER <br /> contribution for insurances over that amount stipulated by <br /> 19. 1 , 19.2 and 19.3 by lowering ,their salary from the rates <br /> stipulated in APPENDIX A to provide for an increased EMPLOYER <br /> contribution which will fully pay for the employee' s health , <br /> life, and dental insurance, including dependent coverage. <br /> r <br /> ARTICLE XX HOLIDAYS <br /> The EMPLOYER will provide eleven (11) paid holidays. <br /> ARTICLE XXI SCOPE OF AGREEMENTS <br /> .No addendum to this MASTER AGREEMENT can be in conflict with <br /> this MASTER AGREEMENT. <br /> • <br /> -16- <br />