AMENDMENT NO. 5

TO THE SUMMARY PLAN DESCRIPTION OF THE SOUTHERN CALIFORNIA IBEW-NECA HEALTH TRUST FUND RETIREE HEALTH PLAN RESTATED AS OF FEBRUARY 1, 2013

This Amendment to the Southern California IBEW-NECA Health Trust Fund’s Retiree Health Summary Plan Description restated as of February 1, 2013 ("SPD") executed this 27th day of May, 2014 is made by the Board of Trustees of the Southern California IBEW-NECA Health Trust Fund ("Board of Trustees") with reference to the following facts and circumstances:

1. The Board of Trustees wishes to amend the SPD to eliminate the Premium Reimbursement Plan in order to comply with recent regulations issued by the U.S. Government under the Affordable Care Act which have affected the existing Premium Reimbursement Plan in a manner so as to require the Board of Trustees to consider an alternative arrangement in order to maintain coverage for those retirees who do not live in the HMO service areas that cover the Southern California IBEW-NECA Health Trust Fund. As a result, the Board of Trustees has replaced the existing Premium Reimbursement Plan with a new insured program for retirees who reside outside of the health Plan’s HMO Service Areas.
2. The Board of Trustees has reserved to themselves the ability to amend the SPD from time to time.

NOW THEREFORE, effective April 1, 2014, the SPD is amended to remove the Premium Reimbursement Plan and to replace it with the Out of Area Retiree Plan as follows:

1. Out of Area Retiree Plan
   Early Retirees and Medicare Eligible Retirees and their eligible spouses who reside outside of the HMO Service Areas can receive coverage through an insured arrangement provided by UnitedHealthcare. To participate in the Out of Area Retiree Plan, you must enroll in the Out of Area Retiree Plan and make monthly premium payments to the Fund. Payment of the monthly premium is explained in the Summary Plan Description under the section entitled "Required Monthly Pension Deduction/Self-Payment."
2. All other terms and conditions of the Plan shall remain in full force and effect.

Executed this 27th day of May, 2014 at Commerce, California.

BOARD OF TRUSTEES
SOUTHERN CALIFORNIA IBEW-NECA
HEALTH TRUST FUND

BY: Signature on File
Chairman

BY: Signature on File
Secretary