Page 8 - 2019 Benefits Overview_Final
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Work/Life Balance*



              Holiday Pay
              Texas Mutual employees receive nine paid holidays each year.


              Vacation Leave
              Employees begin accruing vacation time immediately upon hire. The annual accrual and the
              maximum carry over is based on years of service as shown below.





                                                Years of Service     Annual Accrual        Max Carryover



                                                       < 5                2 weeks              4 weeks

                                                     5 to 14              3 weeks              6 weeks

                                                  More than 15            4 weeks              8 weeks


              Personal Leave

              Employees accrue eight hours of personal leave on January 1 and July 1 annually, to be
              used by the calendar year end.

              Sick Leave
              Employees receive twelve sick days per year, which begin accruing immediately upon hire.
              Employees can also convert unused sick leave to vacation leave at the end of the year at a
              ratio of 2 sick hours to 1 vacation hour.



              Free Counseling Services

              Texas Mutual also provides a  free resource to employees who need assistance with any issue
              affecting their  work/life  balance, and/or their qualify  of  life. The program includes  confidential
              counseling and referral services which are free to employees, their spouse, their dependents

              and household members.



          *Holiday pay and paid leave is prorated for part-time employees.












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