ARTICLE XIII
Group Life, Hospitalization Insurance,
Retirement Plan and Employee Savings Plan

SECTION 1. The benefits applicable to employees under the
group life, group medical (including prescription) plans in effect
at this date will be continued for all employees, including those
on Workers’ Compensation, during the term of this Agreement.
Pre-Medicare eligible retirees, who retire after the effective date
of this agreement, will pay the same amount for medical as
active employees for up to four years after their retirement date.
Medicare eligible retirees will continue to pay the applicable
retiree rate for their Medicare supplemental plan.

Employees hired on or after December 1, 2009 will not be
eligible for the Company Retiree Health Plan.

SECTION 2. During the term of this Agreement, the Company
will provide fully-paid life insurance coverage to active
employees in the amount of one times the employee’s base
annual rate (exclusive of overtime and other differentials and
premiums), up to $150,000, rounded to the next higher $1,000
or a minimum of $10,000, whichever is greater. Each employee
will be offered the opportunity to purchase additional coverage
equivalent to one times, two times, three times, four times, or
five times their annual base rate up to $1,000,000, rounded to
the next higher $1,000, or a minimum or $10,000 on the later of
January 1, 2014 or their entry into the Plan, at the age-based
rates set by the carrier, which will be made available during the
initial open enrollment period without a qualifying physical, or,
for new employees, at date of hire on amounts up to $500,000
(amounts over $500,000 would require evidence of insurability).
For work related accidental death on the job, the benefit will be
triple the life insurance benefit. (See Appendix D) Employees
who retire after December 1, 1988 will receive a death benefit
of Ten Thousand Dollars ($10,000) at retirement. This benefit
will reduce to Five Thousand Dollars ($5,000) at the rate of One
Thousand Dollars ($1,000) per year for the first five (5) years
of retirement. The benefit will remain at Five Thousand Dollars
($5,000) until age seventy (70), at which time it reduces to Four
Thousand Dollars ($4,000). However, if during the first five (5)
years of retirement the employee reaches age seventy (70),
the benefit will immediately reduce to Four Thousand Dollars
($4,000) upon reaching age seventy (70). Employees hired on
or after December 1, 2009 will not be eligible for a death benefit
upon retirement.

The Company will assume the cost of medical, prescription,
dental and vision care insurance coverage (see attachments),
relating to the individual employee and his/her eligible
dependents less the following employee contributions for
medical coverage:

1. Medical:
20% employee contribution for CIGNA Open Access POS
Plan or a successor plan with the same benefits and
comparable network.

2. The current Medical / RX co-pays are as described in the
medical plan. (See Appendix A)

3. If elected, Vision and/or Dental: 20% employee
contribution. (See Appendix’s B and C)

Employees will be given the option to make contributions on a
pre-tax basis, consistent with applicable laws.

New hires will be offered benefit coverage through open
enrollment effective on the first (1st) day of the second (2nd)
month of employment.

Annually, prior to open enrollment, the Company will meet with
the Union to supply the Union with documentation of the prior
year’s medical, dental and vision insurance experience including
renewal rates and employee contributions for such insurance
as derived from such information, and to review alternative
insurance plans and options.

If neither the employee, their spouse and other family members
elect coverage under the CNG medical benefit plan, the
employee will receive a One Thousand Dollar ($1,000) annual
credit amortized over the employee’s normal annual pay periods
(Employee Medical Opt Out).

The Company and Union will jointly review and mutually agree
to any alternative health insurance plans to be offered as an
option in addition to the existing plan.

SECTION 3. The Retirement Plan (The Connecticut Natural Gas
Corporation Retirement Plan), dated January 1, 1941 and as
most recently amended and restated effective January 1, 2012,
shall continue for the life of this Agreement, dated December 1,
2013 and succeeding Agreements subject to such modifications
as may be mutually agreed upon by the parties hereto.

Furthermore, in appointing the Retirement Committee provided
under Article 12 of the Retirement Plan, the Company will
appoint a member designated by the Union for each member
designated and appointed by the Company.

Any employee who retires on or after December 1, 2009 and
who is vested in the CNG Retirement Plan, has 10 years of
service, and who subsequently receives a Disability Retirement,
shall be paid the greater of their accrued benefit or a minimum
monthly benefit of $1,950 per month.

Pre-Medicare disability retirees, who retire after the effective
date of this agreement, will pay the same amount for medical
benefits as active employees for up to four (4) years after their
retirement date, or until age 65, whichever occurs first.

Minimum Normal Retirement Benefit – Plan Article 5, Section
5.2(d): In the case of an Employee who is credited with 30
years of credited service at retirement, the minimum monthly flat
dollar amount of retirement benefit will be $1,950 for employees
who retire on or after January 1, 2014.Employees submitting
a written notification of retirement will receive a Retirement
Plan benefit calculation and will also receive appropriate
documentation regarding retirement benefits.

Effective January 1, 2004 (1/1/04), the Company will implement
a cash balance plan for employees hired on or after 1/1/04.
Cash Balance Plan Formula: The Company will credit the
participants’ cash balance account with a flat dollar amount of
$3,500 per year and such credit will be applied at the end of
each plan year. For plan years starting on and after January 1,
2014 the flat dollar amount will be $6,000 per year. Balances
will earn interest equal to the 30-year treasury rate (or other
comparable government index) in effect on December 31 of
the prior year, but not less than 4%, and credited at the end of
the subsequent year. Three year vesting will apply. Employees
hired on or after December 1, 2009 will not be eligible to
participate in the Company’s defined benefit pension plans.
For active employees who are 55 or older, and have at least
30 years of service, the survivor death benefit percentage will
be 75% of the employee’s unreduced benefit or the minimum
monthly flat retirement benefit, whichever is greater.

Effective December 1, 2005, an Employee who retires having
fulfilled the requirements for a disability benefit will be entitled to
a disability benefit equal to the greater of:

(a) the normal retirement benefit he/she has accrued up to
the date his/her employment terminates on account of
such disability or

(b) a minimum monthly benefit equal to the Minimum Normal
Retirement Benefit.

SECTION 4. Effective July 1, 1988, all eligible employees
covered by this Agreement may elect to participate in the
Connecticut Natural Gas Corporation Union Employee Savings
Plan (401K) and receive the company match as outlined below.

Years of Service Age Match
20 or more or 45 = 4.5%
10 or 35 = 3%
Less than 10 and under 35 = 2%.

Said plan shall continue for the life of the Agreement entered
into December 1, 1988 and succeeding Agreements subject
to such modifications as may be mutually agreed upon by the
parties thereto.

For employees hired on or after December 1, 2009, the
Company’s matching contribution under the Connecticut Natural
Gas Corporation Union Employee Savings Plan (401K) will
be 1.50 times the employee’s contribution. The Company’s
matching contribution will only apply to the first 6% of an
employee’s contribution during a calendar year. This benefit is
in lieu of any other pension plan benefit for employees hired on
or after December 1, 2009.

Effective July 1, 2010, the Plan will be amended to include a
Roth investment option which will be available to all employees
eligible to participate in the Connecticut Natural Gas Corporation
Union Employee Savings Plan (401K).

Effective July 1, 2010, the Plan will be amended to include
withdrawals beginning at 59½ years of age.

Effective January 1, 2014 employee deferrals must be in whole
percentages.

NOTE: The CNG Retirement Plan and the Connecticut Natural
Gas Corporation Union Employee Savings Plan (401K) are
incorporated by reference and are available upon request.