Page 23 - 2023 Employee Benefits Guide

Building ownership in your account
You have 100% vested ownership in your own contributions. The Plan
maintains a vesting schedule to determine your ownership in the
employer contribution and the employer matching contribution. You earn
a vesting credit equal to an additional 20% vested ownership in your
employer contributions for each year of service. A year of service is
attained for each calendar year in which you work at least 1,000 hours.
You may earn only one vesting credit per calendar year. The vesting
percentage is 100% after five or more years of service.
You will become immediately 100% vested in the employer matching
contribution if one of these events occurs while employed: you reach age
65, you become permanently disabled, or in the event of your death.
Building ownership while on military leave
If you are absent from work for military service with the armed forces of
the United States and return to service within periods required by law,
you shall receive credit towards vesting for service during your period
of absence.

Building ownership while on authorized leave of absence
If you are absent from work for reasons of an authorized leave of
absence (such as family and medical leave and short-term disability),
you will have hours of service credited to you for determining break
in service, but not toward determining vesting credit during the
absence period.

Vesting for the rehired employee
If you are rehired by Texas Mutual, you may be entitled to receive credit
for prior service and you may also be entitled to a restoration of any
previously forfeited monies if certain conditions are met. You are entitled
to the vesting credits that you accumulated during the prior service
regardless of whether you took an account distribution and regardless of
the length of your absence. If you return before non-vested monies are
permanently forfeited (after a five-year break in service) this may entitle
you to have the non-vested monies restored so that further vesting
service may increase your ownership in those monies.

Plan investments
Fidelity Investments is the Plan record-keeper. New employees are sent
an enrollment kit that details investment choices and enrollment
procedures for the Plan. A description of the investment options can also
be found by logging into your Fidelity account at fidelity.com/atwork.

Once your retirement account is established, you can contact Fidelity
Investments to redirect your investments within the investment options
provided. Refer to the benefit contacts section for information on how
to contact Fidelity Investments and how to access your account for
account balances, quotes, allocation changes and exchanges.

Employee Benefits Guide 19