It stated vacation will be tapped at 40 hours! If that's the case our vacation pay for 6 days will be cut in half if I understand that correctly. At the very least we will lose a days vacation for a week as they reguire we take a full week for at least one of our weeks. And for me coming up on 10yrs with Holland I will lose a weeks vacation for 2 yrs now instead of for just 1 yr. Because if I read correctly again our vacation will be reduced 1 week until our 4th year of eligibility! If I am wrong here I hope someone can tell me! But as far as myself I am voting no since it was not just a five year extension as Mr. Welch said was all the bank wanted to refinance the loan from the onset.