Page 23 - 2024 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 as a benefit eligible employee, 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 benefit eligible
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.

2024 Employee Benefits Guide 19