19. Which of the following statement(s) regarding 403(b) plans is true? 1. Assets within a 403(b) plan may be invested in individual securities. 2. A 403(b) plan usually provides a 3 to 7 year graduated vesting schedule 3. A 403(b)plan must pass the ACP test if it is an ERISA plan 4. In certain situation, a participant of a 403(b) plan can defer an additional $15,000 as a catch up to the 403(b) plan. a. 4 only b. 1 and 2 c. 3 and 4 d. 2,3, and 4