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Leave Benefits*
                                        Leave Benefits*








              Vacation Leave

              Employees begin accruing vacation time immediately upon hire. New

              hires accrue three weeks within their first year of employment! The

              annual  accrual  and  the  maximum  carry  over  is  based  on  years  of
              service as shown below.






                                                    Years of              Annual                Max
                                                    Service               Accrual           Carryover

                                                Less than 10 yrs          3 weeks             6 weeks


                                                10 or more yrs            4 weeks             8 weeks






              Holiday Pay


              Texas Mutual  provides nine  paid  holidays  each  year  which  include

              two days for Thanksgiving and two days for Christmas.






              Personal Days

              Employees accrue eight hours of personal leave on January 1 and

              July 1 annually, to be used by the calendar year end.







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








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