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TXM Retirement Savings Plan, cont.

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
towards 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 Key Contacts section for information on how to contact
Fidelity Investments and how to access your account for account balances,
quotes, allocation changes and exchanges.

Rollovers
Texas Mutual will accept certain rollovers from previous employers’ plans.
Refer to the Retirement Plan information posted on the intranet and contact
our Retirement Plan Specialist listed in the Key Contacts section for more
information.
Loans and distribution options
For loan and distribution options, refer to the Retirement Plan information
posted on the intranet.

Employee Benefits Guide 17