In general, the Plan may hold up to six months of cash, cash equivalent, and/or money
market funds for near term Plan benefits and expenses (the "Plan Distributions").
All remaining assets will be invested in longer-term securities and shall be diversified
with the intent to minimize the risk of long-term investment losses. Consequently,
the total portfolio will be constructed and maintained to provide diversification
with regard to the concentration of holdings in individual issues, issuers, countries,
governments or industries.
