EL CAMINO HOSPITAL 403(B) RETIREMENT PLAN

This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).

Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.

Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.

Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.

Participant-directed brokerage accounts provided as an investment option under the plan.

Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.

Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.