Defined Contribution Plan SPD

INTRODUCTION

To All Participants:

Effective July 1, 1985, the Board of Trustees of the Southern California IBEWNECA Pension Trust Fund adopted the Southern California IBEW-NECA Defined Contribution Plan ("Plan"). This Plan was restated in 1990, 1995, 2001, 2010, and again on January 1, 2014.

We are pleased to provide you with this Summary Plan Description written in Question and Answer form. It provides a summary in clear, understandable, and informal language of the major provisions of the Plan, including a description of the benefits to which you may be entitled.

Only the Administrative Office represents the Trustees in administering the Plan and giving information about the amount of benefits, eligibility and other provisions of the Plan. You should know that no "Union Trustee," "Employer Trustee," or Union employee is authorized to give official information, give any explanation, or make any agreements for the Trustees in any way. Only the Administrative Office is authorized to give official information on behalf of the Trustees.

In the event of any conflict between the information in the Summary (Questions and Answers) and the official Plan, the Plan will govern. The other controlling legal document is the Trust Agreement, copies of which may be obtained from the Administrative Office at a modest expense.

The Trustees may make further revisions to the Plan if changes are needed to make sure that the Plan will comply with new regulations as they are issued by the Department of Labor and Internal Revenue Service, and to ensure that the Plan remains qualified under the Internal Revenue Code.

IT IS IMPORTANT TO REMEMBER THAT SOME PLAN PROVISIONS HAVE CHANGED AS THE PLAN HAS BEEN AMENDED. EARLIER PLAN PROVISIONS MAY BE APPLICABLE WHEN SERVICE HAS NOT BEEN CONTINUOUS OR, UNDER OTHER CIRCUMSTANCES, SUCH AS WHEN AN EVENT OCCURRED.

We believe this Plan, together with benefits from the Southern California IBEW-NECA Pension Plan, will be an important source of retirement income and security for you and your family.

Please read this booklet carefully and discuss its contents with your family. If any details are not clear or if you have any questions, you can call or write the Administrative Office:

Southern California IBEW-NECA Pension Trust Fund
6023 Garfield Avenue
City of Commerce, California 90040
(323) 221-5861 or 1-800-824-6935 Nationwide toll-free
Fax: (323) 726-3520
Office Hours: 8:30 a.m. - 5:30 p.m.
Voice mail messages can be left at any time.

Sincerely,
Board of Trustees
SOUTHERN CALIFORNIA IBEW-NECA PENSION TRUST FUND