BANK OF AMERICA LOGO] Exhibit 10.1 LOAN AGREEMENT This Agreement dated as of December 23, 2004, is among Bank of America, N.A. (the "Bank"), California Water Service Group ("Borrower 1"), CWS Utility Services ("Borrower 2"), New Mexico Water Service...Loan Agreement • February 8th, 2005 • California Water Service Group • Water supply • California
