NOVELTY - A thick-film paste composition (C1) comprises: a) 85-99.5 wt.% of an electrically conductive metal or its derivative based on total solids in the composition; b) 0.5-15 wt.% based on solids of a lead-tellurium-lithium-titanium-oxide, where the lead-tellurium-lithium-titanium-oxide comprises: 25-65 wt.% lead oxide (PbO), 25-70 wt.% tellurium dioxide (TeO2), 0.1-5 wt.% lithium oxide (Li2O) and 0.1-5 wt.% titanium dioxide (TiO2); and c) an organic medium.    USE - In insulating film and electrode of article comprising semiconductor device selected from solar cell (claimed); for printing the front side of a solar cell device having insulating layers.    ADVANTAGE - The compositions can be used to manufacture photovoltaic devices with improved electrical performance. The thick-film paste composition has the ability to penetrate the insulating layer, then firing so that the thick-film paste composition reacts with the insulating film and penetrates the insulating film, thereby effecting electrical contact with the silicon substrate. The thick-film paste composition can be fired at low temperatures to penetrate an anti-reflective coating and provide good electrical contact with the semiconductor substrate.    DETAILED DESCRIPTION - INDEPENDENT CLAIMS are included for the following:    (1) a process involving: providing a semiconductor substrate comprising at least one insulating film deposited onto at least one surface of the semiconductor substrate; applying the composition (C1) onto at least a portion of the insulating film to form a layered structure, and firing the semiconductor substrate, at least one insulating film, and thick-film paste, forming an electrode in contact with at least one insulating layer and in electrical contact with the semiconductor substrate; and    (2) an article comprising: a semiconductor substrate; at least one insulating layer on the semiconductor substrate; and an electrode in contact with at least one insulating layer and in electrical contact with the semiconductor substrate, the electrode comprising electrically conductive metal and lead-tellurium-lithium-titanium-oxide (b).