<PAGE>
Pricing Supplement dated November 30, 1998 Rule 424(b)(2)
(To Prospectus dated October 21, 1998 and File No. 333-64665
Prospectus Supplement dated November 13, 1998)
PENTEGRA DENTAL GROUP, INC.
Convertible Subordinated Notes, Series A
-----------------------------------------------------------
EXITO TRUST
Principal Amount: $554,000.00 Interest Rate: 6% per annum
Issue Price: Maturity Date: November 1, 2003
/X/ 100% of Principal Amount Original Issue Date: November 25, 1998
/ / % of Principal Amount Principal Payment Date(s): One-half on
November 1, 2002 and one-half on
November 1, 2003
Convertibility Commencement Date: Initial Conversion Price: $7.00
November 1, 1999
Convertibility Termination Date:
November 1, 2003
Optional Redemption Prices if redeemed during the 12-month period beginning
November 1 in the years indicated, expressed as a percentage of the principal
amount:
<TABLE>
<CAPTION>
Year Redemption Price
---- ----------------
<S> <C>
1999....... 100%
2000....... 100%
2001....... 100%
2002....... 100%
</TABLE>
End of Supplement
