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Identity Theft Protection
               idwatchdog.com


               Identity theft protection offers employees peace of mind with proactive credit monitoring
               and rapid alerts. Credit monitoring with one credit bureau is free. Employees can purchase
               additional coverage and/or purchase coverage for their families.




               Flexible Spending Accounts
               myuhc.com

               Flexible spending accounts allow employees to set aside pretax money to pay for eligible
               healthcare and dependent care expenses within the calendar year.



                                                  •  Medical FSAs can be used to set aside money to pay
                                                     for  eligible  expenses  such  as  doctor  copays,
                                                     prescriptions and contact lenses.

                                                  •  Dependent  care  FSAs  can  be  used  to  set  aside
                                                     money to be reimbursed for qualifying child and elder
                                                     care expenses.










              Saving for Retirement



              Texas Mutual’s Generous Retirement Plan

              fidelity.com/atwork

                                         All employees receive a retirement contribution
                                         equal to 4% of their eligible pay beginning the

                  4% Automatically       first of the month following date of hire.

                                         Employees  can  save  more  for  retirement  by
                                         contributing  to  their  401(k)  plan. Texas  Mutual
                                         matches  100%  for each $1.00 contributed, up
                    100% Match!          to  and  including  6%  of  eligible  pay,  each  pay
                                         period.  Employees  may  make  pretax  and/or
                                         Roth  after-tax  contributions.  Ownership  of  em-
                                         ployer contributions builds on a five year vest-
                                         ing schedule.


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