SUMMARY PLAN DESCRIPTION INFORMATION

1. Name of Plan: Southern California IBEW-NECA Defined Contribution Plan.
   
   
2. Type of Plan: This is a money purchase pension plan. A money purchase pension plan is one that specifies a definite employer contribution, establishes an individual account for each participant, and provides benefits based solely on the amount in the participant's account.
   
   
3. Type of Administration: The Board of Trustees of the Southern California IBEW-NECA Defined Contribution Plan is the administrator of this plan. The Board is composed of an equal number of employer and employee trustees. Many of the tasks of Plan administration have been delegated to the Southern California IBEW-NECA Administrative Corporation engaged by the Board of Trustees of the Southern California IBEW-NECA Defined Contribution Plan. The address and telephone number of the Administrative Trust Funds Office of the Plan are as follows:
   
   SOUTHERN CALIFORNIA
   IBEW-NECA DEFINED CONTRIBUTION PLAN
   100 Corson Street, Suite 200
   Pasadena, CA 91103
   (323) 221-5861 or (800) 824-6935
   www.scibew-neca.org
   
   The record keeping for the Plan has been delegated to John Hancock Retirement Plan Services (formerly known as New York Life Investment Management). The address, telephone number and website for John Hancock Retirement Plan Services is as follows:
   
   P.O. Box 447
   Norwood, MA 02062-0447
   (833) 388-6466
   www.mylife.jhrps.com
   
   
4. Plan Year: This Plan's fiscal year for record keeping and accounting purposes ends on June 30.
   
   
5. Funding and Contributions: Plan participants do not contribute to this Plan. Employer contributions are the only source of funding. These contributions are made according to the collective bargaining agreements between union locals and employers (or, in some cases, other types of written agreements between employers and the Trustees). Assets of the Plan are held in trust by the Bank of New York/Mellon for the benefit of Plan participants and beneficiaries. Benefits are provided directly from the assets of the Trust Fund.
   
   
6. PBGC Coverage: The Plan is not insured by the Pension Benefit Guaranty Corporation (PBGC) because the PBGC does not insure money purchase plans.
   
   
7. Collective Bargaining Agreements: This Plan is the result of several different collective bargaining agreements. Copies of these agreements are available to you at the Administrative Trust Funds Office. You may buy copies on written request to the Administrative Trust Funds Office, for a reasonable charge, or you may examine copies at the Administrative Trust Funds Office free of charge.
   
   
8. Participating Employers and Employee Groups: The Administrative Trust Funds Office will give you information as to whether a particular employer or employee group is participating in this Plan. If the employer or employee group is participating in this Plan, the Administrative Trust Funds Office will give you the employer's or employee group's address.
   
   
9. Administrative Trust Funds Office:
   100 Corson Street, Suite 200
   Pasadena, CA 91103
   (323) 221-5861 or 1-800-824-6935
   
   
10. Plan Administrator:
    
    Board of Trustees
    Southern California IBEW-NECA Defined Contribution Plan
    100 Corson Street, Suite 200
    Pasadena, CA 91103
    Telephone: (323) 221-5861 or
    1-800-824-6935
    Fax: (323) 726-3520
    
    John Hancock Retirement Plan Services
    P.O. Box 447
    Norwood, MA 02062-0447
    (833) 388-6466
    www.mylife.jhrps.com
    
    
11. Members of the Board of Trustees:
    View an updated list of Trustees >>
    
    
12. Agent for Service of Legal Process:
    Southern California IBEW-NECA Administrative Corporation
    Southern California IBEW-NECA Defined Contribution Plan
    100 Corson Street, Suite 200
    Pasadena, CA 91103
    
    Service of legal process may also be effected by serving the Board of Trustees or any single Trustee of the Southern California IBEW-NECA Defined Contribution Plan.
    
    
13. Legal Co-Counsel:
    Carroll & Scully
    Parker, Milliken, Clark, O'Hara & Samuelian
    
    
14. Employer Identification No.: The Employer Identification Number issued to the Board of Trustees by the Internal Revenue Service is 95-0079082, Plan Number: 002.
    
    
15. Your Rights Under ERISA: As a participant in the Southern California IBEW-NECA Defined Contribution Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to examine without charge, at the Administrative Trust Funds Office and at other locations (such as Local Unions) all Plan documents, including any insurance contracts, collective bargaining agreements and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor.
    
    You are entitled to obtain, upon written request to the Administrative Trust Funds Office, documents governing the operation of the Plan, including insurance contracts and collective bargaining agreements and copies of the latest annual report (Form 5500 Series) and an updated Summary Plan Description. The Administrator may make a reasonable charge for the copies.
    
    You are entitled to receive a summary of the Plan's annual financial report. The Plan Administrator is required by law to furnish each party a copy of this Summary Annual Report. Each participant must be furnished, free of charge, with a copy of a summary of the Plan's annual financial report.
    
    You may obtain a statement telling you whether or not you have a right to receive a pension at normal retirement age (age 65) and if so, what your benefits would be at normal retirement age if you stopped working under the plan now. If you do not have a right to a pension, the statement will tell you how many more years you have to work to get a right to a pension. This statement must be requested in writing and is not required to be given more than once a year. Participants may obtain statements from April 2008 through the present, free of charge by logging onto the John Hancock Retirement Plan Services website at www.mylife.jhrps.com or by contacting the Administrative Trust Funds Office.  The Administrative Trust Funds Office will provide statements free of charge for periods prior to April 2008.
    
    In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan.  The people who operate your plan, called "fiduciaries" of the Plan, have a duty to act prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you, in any way, to prevent you from obtaining a pension benefit or exercising your rights under ERISA. If your claim for a pension benefit is denied, in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan review and reconsider your claim. The procedure for appealing a benefit denial is described under the heading "Appeals Procedure."
    
    Under ERISA, there are steps you can take to enforce your rights. For instance, if you request materials from the Plan and do not receive them within 30 days, you may file suit in a Federal court.
    
    In such case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. If it should happen that plan fiduciaries misuse the plan's decision or lack thereof concerning the status of a qualified domestic relations order, you may file suit in Federal court. In addition, if you disagree with the Plan's decision or lack thereof concerning the status of a qualified domestic relations order, you may file suit in Federal court. If it should happen that plan fiduciaries misuse the plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor or you may file suit in a Federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees if, for example, it finds your claim is frivolous.
    
    If you have any questions about your rights you should contact the Administrative Trust Funds Office or the nearest Area Office of the Employee Benefits Security Administration, U.S. Department of Labor, located at 790 East Colorado Boulevard, Suite 514, Pasadena, CA 91101-2113, telephone number (626) 583-7876.
    
    
16. Participation: You are entitled to participate in this Plan if you work under one of the Collective Bargaining Agreements or Special Agreements described in Items 5 and 7 above. See Question/Answer 1 and Article II of the Defined Contribution Plan.
    
    
17. Eligibility for Benefits: The Plan's requirements with respect to eligibility for benefits are described in Articles V, VI, VII and VIII of the Defined Contribution Plan. The Normal Retirement Age under the Defined Contribution Plan is age 65. Pursuant to Article V, Section 1, a Participant is eligible for a Normal Pension benefit under the Defined Contribution Plan if he is a Participant and has reached age 65. Article V, Section 2 of the Defined Contribution Plan sets forth the eligibility criteria for Early Retirement benefits. Article VI sets forth the eligibility criteria for a distribution of benefits upon a Participant's separation from service prior to eligibility for Early or Normal Retirement benefits. Article VII sets forth the eligibility criteria for a distribution following termination of employment due to disability.
    
    
18. Joint and Survivor Benefits: This Plan requires that a 50% joint and survivor benefit be paid to a Participant who is married at the time he retires, unless the Employee and his spouse elect to reject such benefit. The details concerning this form of benefit are set forth in Article V, Section 4 of the Defined Contribution Plan.
    
    
19. Circumstances Which May Result in Disqualification or Ineligibility for, or Denial, Suspension or Loss of Benefits:
    1. For periods prior to July 1, 2002, if you fail to become a Participant by not working at least 300 Covered Hours in the first two (2) consecutive Plan Years of your work in Covered Employment, contributions made on your behalf will be forfeited.
    2. You cannot receive a distribution of your benefits prior to satisfying the criteria for a Normal Pension or Early Pension until at least twelve (12) months after your last employment in Covered Employment or Non-Covered Electrical Employment (see Plan Article VI, Section 1(b)) in Los Angeles, Orange, Riverside, San Bernardino, Inyo or Mono Counties subject to limited exceptions set forth in Question/Answer 10. A distribution of benefits prior to age 65 requires participants to sever employment from all contributing employers to the Plan.
    3. You cannot receive a distribution if you have more than $3,000.00 in your Individual Account or if you have less than $3,000.00 and an outstanding loan balance and have not severed your employment with all contributing employers.
    4. For applications received on or after December 1, 2013, if your Individual Account Balance is $7,500 or less and you have severed your employment
       with all Contributing Employers, you will be entitled to receive a distribution of your Individual Account balance.
    5. Benefits may be denied, suspended or discontinued due to willfully false or incomplete statements, or fraudulent information or proof submitted to the Pension Trust Fund by a participant or beneficiary. Pension benefits may be suspended to recover any benefits made erroneously due to reliance on such statements, information or proof.
       
       
20. Plan Termination and Plan Amendment: The Board of Trustees fully intends to maintain the Plan on an indefinite basis. Neither your Contributing Employers, nor the Union, nor the Board of Trustees, nor any of their officers, agents, or employees guarantee, in any manner, that contributions will be made. All contributions made by your employers will be placed in the Trust and all benefits under the Plan will be paid from the Trust in accordance with the Defined Contribution Plan. Any person having any entitlement to benefits under the Defined Contribution Plan should look to the assets of the Trust for satisfaction.
    
    The Board of Trustees intends to continue the Defined Contribution Plan indefinitely, but reserves the right to amend the Plan, to change the method of providing benefits, or to terminate the Plan if that should ever be necessary. In such a case, you will be notified of any changes that have to be made and the reason behind any such decision. Remember, however, that no Amendment will be made to the Plan that would deprive you of benefits you had already accrued before such Amendment or change was made. Under the law, no Amendment or change can be made that would divert any part of the Trust's assets to a purpose other than for the exclusive benefit of you or your eligible beneficiaries.
    
    If the Plan has to be terminated, you will automatically become 100% vested in the Normal Retirement benefit you had already accrued as of the Plan's termination date (to the extent funded as of that date). This is true regardless of how much service you may have had in the Plan at that time.
    
    Whether you eventually receive all or part of your Plan benefit depends on whether there is enough money in the Trust Fund to pay for it. The law sets priorities as to how the money in the Defined Contribution Plan will be used to provide benefits.