Without any conflict to the foregoing provisions, where HD Faculty or its subsidiary draws down the proceeds or any portion thereof for investment, it shall ensure, from time to time, that the Portfolio/Investment Management Team establishes self insured retention levels and alternative risk financing insurance programs for the assets, including the interest payments.

The said retention level that is required to be established and be in place must ensure that the required portion of the income generated from the income program is allocated in the right manner, time, and place as prescribed.