This excerpt taken from the HBI 8-K filed Sep 5, 2006.
9.05 Elections to Transfer Balances Between Accounts; Diversification
On any Accounting Date, a Participant may elect to transfer or reallocate, in even multiples of one percent (1%), the balances in his or her Accounts in an Investment Fund from that Fund to one or more other Investment Funds, subject to the trading restrictions of the Investment Fund. The Participants Accounts for the Investment Fund from which such fund transfer or reallocation is made will be charged, and his or her Accounts for the Investment Fund to which such fund transfer or reallocation is made will be credited, with the amount so reallocated in accordance with rules established by the Committee. Such transfers of balances in Subaccounts between Investment Funds shall be made on the same Accounting Date as notice is received by the Committee provided the notice conforms with the procedures of the Committee. The foregoing provisions of this Subsection are contingent upon the availability of fund transfers
and reallocations between Investment Funds under the terms of the investments made by each Investment Fund. A Participants Account may be charged a redemption fee for frequent transfers into and out of an Investment Fund within a restricted time period established by the Investment Fund. Additionally, Participants may be restricted from initiating fund transfers or reallocations into or out of an Investment Fund if the Committee or an Investment Fund determines that the Participants transfer activity would be detrimental to that Investment Fund.