SUMMARY PLAN DESCRIPTION INFORMATION

Please note: the contact information listed on this page is no longer valid. See contact info page for updated address and telephone numbers of the Administrative Office.

Name of Plan: Southern California IBEW-NECA Defined Contribution Plan.

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.

Type of Administration: The Board of Trustees of the Southern California IBEW-NECA Pension Trust Fund 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 salaried administrative personnel employed by the Board of Trustees of the Southern California IBEW-NECA Pension Trust Fund. The address and telephone number of the Administrative Office of the Trust Fund are as follows:

SOUTHERN CALIFORNIA
IBEW-NECA PENSION TRUST FUND
515 South Avenue 19
P.O. Box 31915
Los Angeles, California 90031-0915
(323) 221-5861 or (800)824-6935

Plan Year: This Plan’s fiscal year for record keeping and accounting purposes ends on June 30.

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 for the benefit of Plan participants and beneficiaries. Benefits are provided directly from the assets of the Trust Fund.

PBGC Coverage: The Plan is not insured by the Pension Benefit Guaranty Corporation (PBGC) because the PBGC does not insure money purchase plans.

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 Office. You may buy copies on written request to the Administrative Office, for a reasonable charge, or you may examine copies at the Administrative Office free of charge.

Participating Employers and Employee Groups: The Administrative 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 Office will give you the employer’s or employee group’s address.

Administrative Office: 515 South Avenue 19 P.O. Box 31915
Los Angeles, CA 90031 Telephone: (323) 221-5861 or (800)824-6935

Plan Administrator: Board of Trustees Southern California IBEW-NECA
Pension Trust Fund 515 South Avenue 19
P.O. Box 31915 Los Angeles, CA 90031 Telephone: (323) 221-5861 or 1-800-824-6935
Fax: (323)222-4894

Members of the Board of Trustees:
Labor Trustees (IBEW)

Mr. Marvin Kropke, Chairman
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. William Perez
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Douglas M. Chappell
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. John Brown
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Marshall Goldblatt
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Dean Todd
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Management Trustees (NECA)
Mr. James M. Willson, Secretary
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. David A. Shankle
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Daniel Bozick
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Stephen E. Brown
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Mike Richards
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Ms. Cathy O’Bryant
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

ALTERNATE TRUSTEES - LABOR

Mr. Jon B. Hughes
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Barry Meyer
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Mark Heers
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Fernando Rodriguez
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. David Tschann
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Gene Corsini
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Gaylord Roten
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

ALTERNATE TRUSTEES-MANAGEMENT

Mr. Tom Ispas
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Mr. Stan Lazarian
IBEW-NECA Pension Trust Fund
515 South Avenue 19
Los Angeles, CA 90031

Agent for Service of Legal Process:
Administrative Office
Southern California IBEW-NECA Pension Trust Fund
Post Office Box 31915
515 South Avenue 19
Los Angeles, California 90031

Service of legal process may also be effected by serving the Board of Trustees or any single Trustee of the Southern California IBEW-NECA Pension Trust Fund .

Legal Co-Counsel:

Kissane & Cook, APC
Carroll & Scully

Employer Identification No.: The Employer Identification Number issued to the Board of Trustees by the Internal Revenue Service is 95-0079082, Plan Number: 002.

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 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 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. The Administrative Office will provide this statement free of charge.

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 Office or the nearest Area Office of the Pension and Welfare Benefits Administration, U.S. Department of Labor, located at 790 East Colorado Boulevard, Suite 514, Pasadena, CA 91101-2113, telephone number (626) 583-7876.

Participation: You are entitled to participate in this Plan if you work under one of the Collective Bargaining Agreement or Special Agreements described in Items 5 and 7 above, and if your employer makes contributions to this Plan on your behalf. Once you have worked a total of 300 Covered Hours in two (2) consecutive Plan Years, you become a Participant. See Question/Answer 1 and Article II of the Defined Contribution Plan.

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. 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.

Joint and Survivor Benefits: This Plan provides a joint and survivor benefit 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.

Circumstances Which May Result in Disqualification or Ineligibility for, or Denial, Suspension or Loss of Benefits:
1. 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 can not 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 the six county jurisdiction of the Trust Fund.
3. 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.

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.