TERM LOAN AGREEMENT Dated as of November 21, 1995, Among CMS ENERGY CORPORATION as Borrower and THE BANKS NAMED HEREIN as Banks and CITIBANK, N.A. and UNION BANK as Co-Agents (i) TABLE OF CONTENTSTerm Loan Agreement • January 12th, 1996 • CMS Energy Corp • Electric & other services combined • New York
