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be paid over to the City. The employee will accept the court witness fee which
shall be turned over to the Department in order to recetve Department pay.

Article 30 - PENSION AND RETIREMENT

Employees shall be covered by the "New Hampshire Permanent Fireman's
Retirement System" or the New Hampshire Retirement System and any
amendments thereto, and the City shall make such contributory payments as may
be required to provide such coverage for each employee.

Article 31 - EDUCATIONAL ASSISTANCE

A. In order to encourage and develop the highest level of job
performance among the employees of the bargaining unit, the City agrees to
provide each station with the following IFSTA manuals: forcible entry, ground
ladder practices, hose, salvage and overhaul, fire streams, apparatus, ventilation,
rescue and protective breathing practices, first aid, inspection, training programs,
water supplies, aircraft, fire department officer, and facilities.

B. The City also agrees to purchase and make available the textbooks
used in firefighting courses, which textbooks shall be retained by the department
after use by individual employees.

C. The City will remburse employees for one hundred percent (100%) of
the total tuition and laboratory fees paid by employees from their own funds, for
the successful completion of job-related courses, as well as courses leading to the
granting of degrees in Fire Science, within the budget allowed. Successful
completion is defined as a grade of "C" or above for undergraduate studies and a
grade of "B" or above for graduate studies. The City shall budget $20,750 for
fiscal year 2020and thereafter shall increase the budgeted amount by $1,000 each
year beginning in fiscal year 2021 if the budget line for this benefit has a balance
of $1,000 or less at the end of each full fiscal year.

Courses not directly related to present job function but are functions
performed by other personnel in the department, the City will reimburse up to 50%
of the total tuition and laboratory fees paid by the employees from their own funds
upon successful completion.

D. An employee who desires to participate in this benefit must secure the
approval of the Chief or his/her designee, the Human Resources Department, and

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Attachment A

MLA No. RX0848
MASTER LOAN AGREEMENT

THIS MASTER LOAN AGREEMENT (this “Agreement”) is entered into as of February 9,
2010, between PENNICHUCK EAST UTILITY, INC., a New Hampshire corporation (the
“Company”), and CoBANK, ACB, a federally chartered instrumentality of the United States
(“CoBank”).

BACKGROUND

From time to time, CoBank may make loans and extend other types of credit to or for the account
of the Company. In order to facilitate the making of such loans and other types of credit, the parties are
entering into this Agreement.

NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the parties agree as follows:

ARTICLE 1
DEFINITIONS AND RULES OF INTERPRETATION

SECTION 1.01. Definitions. Capitalized terms used in this Agreement and defined in
Exhibit A hereto shall have the meanings set forth in that Exhibit.

SECTION 1.02. Rules of Interpretation. The rules of interpretation set forth in Exhibit A
shall apply to this Agreement.

ARTICLE 2
THE SUPPLEMENTS

SECTION 2.01. Promissory Notes and Suppiements. In the event the Company desires to
borrow from CoBank and CoBank is willing to lend to the Company, the parties will enter into a
promissory note and supplement hereto (each a "Promissory Note and Supplement"). Each Promissory
Note and Supplement will set forth CoBank’s commitment to make a loan or loans to the Company, the
amount of the loan(s), the purpose of the loan(s), the interest rate or interest rate options applicable to the
loan(s), the Company's promise to repay the loans, and any other terms and conditions applicable to the
particular loan(s). Each loan will be governed by the terms and conditions set forth in this Agreement and
in the Promissory Note and Supplement relating to that loan. In the absence of a Promissory Note and
Supplement hereto duly executed by CoBank, CoBank shall have no obligation to make a loan to the
Company under this Agreement.

SECTION 2.02. Notice and Manner of Borrowing New Loans. Except as otherwise
provided in a Promissory Note and Supplement: (A) loans will be made available on any Business Day
upon the telephonic or written request of an authorized employee of the Company (which request, if
made telephonically, shall be promptly confirmed in writing if required by CoBank); (B) requests for
loans must be received by 12:00 noon Company’s local time on the date the loan is to be made; and (C)
loans wil! be made available by wire transfer of immediately available funds to such account or accounts
as may be authorized by the Company on forms supplied by CoBank.

the Comptroller, on the form provided by the Human Resources Department, with
due consideration of the budgetary limitations in Paragraph C, above.

E. Satisfactory completion of all educational courses shall be
documented in the personnel records of each employee.

F. For purposes of determining participation in specialty educational
courses/classes, the administration shall make available such courses/classes and
proportion attendance between officers and firefights at a 1:5 ratio (officers to fire
fighters) provided nothing shall prohibit the administration from varying this ratio
if there are insufficient numbers from either group to meet the ratio.

Article 32 - INSURANCE

A.1. Subject to the provisions of this Article, the City, upon the request of
an eligible member, shall provide to an employee the amount of the premium
specified below for individual, two-person or family plan, of one of the following:

Point of Service (“POS”) Plan;

Health Maintenance Organization (“HMO”) Plan;

High Deductible Health Plan with Health Savings Account (“HDHP w/HSA”); or
The City may make additional plans available to members with benefit levels and
premium cost sharing determined by the City in its sole discretion.

The option of the health care plan is at the sole discretion of the City. It is agreed
by all parties that the City reserves and shall have the right to change insurance
carriers provided the benefits to participants are comparable and the City elects the
least expensive plan available to provide such benefits.

Should the City determine that it 1s in the best interests of the City to offer a
“comparable” plan to either option “a”, “b” or “c”, it shall provide at least one
hundred twenty (120) days prior written notice to the Union and documentation of
the cost to members and the benefits that will provided under the comparable plan.
Should the Union determine that the proposed plan is not comparable, the
grievance shall not be subject to the grievance procedure and shall be submitted
directly for arbitration no later than thirty (30) days after the Union 1s notified of
the proposed change to the comparable plan. The grievance shall be heard in an

expedited manner. The decision of the arbitrator shall be binding on both parties.

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Comparable Plan Definition: for the purposes of this Article, a comparable plan
means one that offers the same type of benefits, but benefits do not have to be
exactly the same. In addition, the plan must provide reasonable access to health
services and physicians, including specialists and hospitals.

Spouse Rule: Employees who are married to another employee of the city who
also subscribes to a plan will be subject to this rule. This rule requires that an
eligible member whose spouse is covered by another City health care plan elect the
policy under which the eligible member and spouse shall receive health care
benefits. An eligible member and spouse shall not be entitled to receive benefits
under separate City health care plans.

A.2. CITY CONTRIBUTIONS:

For eligible members, the City shall contribute 70% of the premium of
option (a) and 80% of the premium of option (b) or (c). The option (a) and option
(b) plans offered by the City shall include the following minimum co-pays:

(a) Twenty Dollars ($20.00) per medical visit;

(b) One Hundred Dollars ($100.00) per emergency room hospital visit;
(c) Two Hundred Fifty Dollars ($250.00) Per Person, Five Hundred
Dollars ($500.00) Per 2-Person/Family Inpatient/ Outpatient Facility
Deductible; and

(d) Three Tier Pharmacy Benefit of $5/$15/$35 ($5/$30/$70 Mail Order).

High Deductible Health Plan with Health Savings Account (HDHP w/HSA)
(option (c)):

The deductibles in the High Deductible Health Plan with Health Savings
Account (HDHP w/ HSA) are $2,000 individual / $4,000 2-person or family. The
City’s contribution to Health Savings Accounts is $1,500 individual / $3,000 2-
person or family.

The City HSA contribution will be distributed in 2 installments, one on or
about July 1 and on one or about October 1, provided however that if an employee
is required to pay more towards his / her deductible than the initial 50%
contribution, upon presentation of suitable documentation, the City will contribute
the remaining 50% before October 1.

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Employees who join the HDHP w/HSA at any time other than July 1 will
receive a pro-rated City contribution of $125 monthly for a single plan and $250
monthly for 2-person or family plan for each full month remaining in that fiscal
year. If 70% of the employees covered by this Agreement have the HDHP
w/HSA as their health insurance on June 30, 2021, a 0.5% increase in wages will
be added to the payroll grade and step grids, effective July 1, 2021. Ifthis
threshold is met, the City and Union will prepare the necessary updated payroll
grade and step grids and make the necessary substitutions to the payroll grade and
step grids attached to this Agreement.

If 75% of the employees covered by this Agreement have the HDHP w/HSA
as their health insurance on June 30, 2022, a0.5% increase in wages will be added
to the payroll grade and step grids, effective July 1, 2022. Ifthis threshold is met,
the City and Union will prepare the necessary updated payroll grade and step grids
and make the necessary substitutions to the payroll grade and step grids attached to
this Agreement.

For employees hired after July 1, 2002 the City shall, upon request of an
eligible employee, provide an individual, two person or family plan for option (b)
or (c) or a City plan offered under option (d). Such employees shall, during the
enrollment period next following their first anniversary and annually thereafter
during the open enrollment period, have the right to transfer to the point of service
plan (option (a)) at the contribution rate set forth above or to a City plan offered
under option (d). The contribution rate for all option (b) and option (c) employees
shall be the same as provided for above.

A.3. For the duration of this Agreement, either party to the Agreement may
request that a Jomt Labor/Management Committee be convened to consider the
performance of the aforementioned plans, any changes thereto.

A.4. Any eligible member of the bargaining unit requesting initial
membership in a plan may enter during a specified enrollment period. Any eligible
member desiring to select a different plan may make sucha change only during the
annual enrollment period and subject to the conditions set forth in Section A.2.
Eligible members moving into or out of the HMO or point of service are may
change plans within a specified period after such move to the extent permitted by
the plans and in accordance with any other conditions set forth above in A.2.

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A.5. ANNUAL AUDIT - The City of Nashua hereby agrees to conduct a
yearly loss ratio analysis of all Health Insurance plans offered to employees and
return all employee overpayments in the form of a Health Insurance Premium
Holiday at the completion of the analysis.

B. LIFE INSURANCE - The City agrees to participate in a double
indemnity life surance program by paying 100% of the premiums for employees
only. The amount of coverage shall be one times the employee's base salary,
rounded to the nearest thousand. Each employee may at his/her option elect to
purchase an amount of life insurance coverage equal to the base amount by paying
100% of the premiums.

C. DENTAL INSURANCE - The City agrees to pay 100% of the
premiums for dental insurance coverage under the plan in effect for members as of
January 1, 2008. Coverage is to be provided by the current carrier used by the City
at the time of the signing of this Agreement (Northeast Delta Dental). The City
reserves the option to change insurance carriers, upon negotiation with the Union,
and on the condition that the coverage provided has overall comparability to that
which is currently provided.

Members may also elect, as an option, to enroll in the dental plan offered to
merit employees, but shall be responsible for paying the difference between the
cost of a two-person plan and family plan if electing coverage under a family plan.

D. After January 1, 2003 the City will not be responsible for paying the
difference between the fees of non-participating dentists and the fees agreed to by
participating dentists and the current insurance carrier. Until January 1, 1990 the
current policy of the City paying the difference shall continue.

E. LONG-TERM DISABILITY

Part-Time Employees: Part-Time employees are not eligible for Long
Term Disability Coverage.

Full-Time Employees: Full-Time employees covered by this Agreement are
eligible for coverage under the City's Long-Term Disability Plan. This benefit is
subject to federal income tax and covers only non-job-related illnesses/injuries.
There shall be no cost to the employee for this benefit. All applicable definitions,
rules for employee participation and benefit conditions and payments shall be
governed by the City of Nashua’s “Non-contributory Disability Income Plan For

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Qualified Employees” and any amendments as may be amended by the City from
time to time.

Article 33 — MILEAGE

Effective with the date of execution of this Agreement, all employees shall be paid
at Internal Revenue Service current rate per mile when they are specifically
required to use their personal automobiles on department business. This shall
include out-of-town travel to educational and training programs required to
maintain employment, except those required as a condition of initial employment.
It shall also include use of the employee's vehicle in changing stations, when the
employee arrived at the first station as originally scheduled. No payment for
mileage will be made when an employee uses a personal vehicle in going from the
employee's home to a station to pick up clothing and equipment, and then to a
multiple alarm fire. Claims for mileage payments will be made on a form provided
by the Department, shall be kept on a weekly basis, and will be paid monthly by
the City provided the weekly forms are submitted on or before the 20th day of each
month.

Article 34 - WORKING OUT OF CLASSIFICATION

A. — Any personcovered by this Agreement who is required to accept and
perform the duties and responsibilities of a position or rank higher than that which
he or she normally holds, shall be paid at the probationary rate for that position or
rank while so acting, provided he or she so acts for at least four hours.

B. — Any person covered by this Agreement who is asked to perform work
at a task not covered by the job description of the position or rank which that
person normally holds, or by the job description of a position or rank higher than
that which the person normally holds, shall be paid at a rate 5% above the person's
normal pay rate for the time actually worked, provided he or she works for at least
four hours.

C. The third ranking specialist shall not be paid for working out of
classification if he/she is working alone, unless this situation exists for more than
five consecutive days.

D. Whena Captain, Captain Training/Safety, or Superintendent is absent

for an entire regularly scheduled work week (4 — 10 hr days, 2 days/2 nights) for
any reason, the next senior employee will be paid “acting pay” consistent with

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paragraph A above. This paragraph D will not limit the requirement to pay
individuals as the need arises on a day to day basis throughout all ranks as
provided in paragraph A above.

Article 35 - BULLETIN BOARDS

The City agrees to provide space for suitable bulletin boards in convenient places
in each station and work area, to be used by the Union. The Union shall limit its
posting of notices and bulletins to each bulletin board. The Union agrees to
maintain such bulletin boards in a neat and orderly condition to the satisfaction of
the Captain in charge of the station.

Article 36 - ASSIGNMENTS

A. — The Chief or his/her designee has the right to transfer, for just cause,
employees assigned under this clause.

B. Regional Haz Mat Team

All Team members will be full time NFR members. The team may be
designated as “Regional” used on a “Mutual Aid” basis.

MEDICAL SCREENING:

Any member who is interested in serving on the “Haz Mat Team” will
consent to being medially screened by the designated Physician. The medical
screening will be designed to evaluate the member’s fitness for HAZ MAT team
assignment. The complete screening criteria will be made available for the
member’s review before the screening takes place.

Each year prior to the “Medical Screening” members will agree in writing to
participate with the “Haz Mat Team” for the fiscal year following the Medical
Screening

Medical test and all results will be kept confidential between the Physician
and the member. Ifafter the medical screening the member chooses to be an active
team participant, then those medical records will be maintained and supervised by
the team’s designated physician, facility or agency.

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PROCEDURE:

Initial training to Technician level will be provided to new team members as
a unit. Off-duty members will be paid for all hours of required training. On-duty
members will be on a delayed-response basis. The positions of the additional
members assigned to this training will be covered by shift coverage. The initial
Technician level training will be conducted as a minimum eighty-(80) hour
program. The team members with certification as well as those without will be
required to attend this initial program.

Members interested in a Haz Mat Team assignment must agree to participate
in the required training and agree to fill any position on the team when qualified.

Members must be certified to recetve stipend (pass test, maintain
certification, annual recertification, medical screening).

The NFR will trarn adequate members in order to maintain a regular five-
member Haz Mat team available on a daily basis.

In the event more members sign for the team than this pre-determined
staffing allows, the member with the most seniority will be allowed to continue in
the training process for certification and regular assignment, provided medical
screening shows qualified.

The NFR will retain the right to make assignments, regular and alternate, to
the team based on seniority. The City and the Union have mutually agreed on a
method to fill Haz Mat Team assignments, which is shown in Appendix E.

REQUIRED:

There must be adequate personnel (members and alternates) trained by this
procedure to the Technician level to maintain the regular team.

All future Technician level members will first be designated as alternates.

In order to assure a ready pool of available Technician-level personnel,
during the annual recertification process, the NFR will continue to train adequate
additional personnel to fill any vacancies which may occur on the Haz Mat team.
However, if at any time the number of trained and available team members falls
below thirty (30), a posting for the vacant positions will occur within two (2)

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business days for ten (10) days. The screening and training process will begin
within seven (7) days of the closure of posting.

During the annual recertification period, members who may wish will be
allowed to be screened and trained based on seniority.

Drivers assigned to any apparatus under Article 36, Paragraph E.1., which
may be used with the team, will not be required to meet any further qualification.

STIPEND:

All NFR members who complete the Haz Mat Awareness Operational/
Decon level of training, will receive a weekly amount equal to one-half (’2) their
hourly rate, as a stipend for this certification, refer to Article 13, Section H.1.
Change effective July 1, 2012.

Regular team members (as defined/assigned daily) will recetve a weekly
amount equal to 1 times their hourly rate, as a stipend for this assignment.

Limit: 32 Members 8 Officers 24 Fire Fighters

This stipend shall be granted only for that period of time for which sufficient
funding is recetved by Nashua Fire Rescue from sources other than the City of
Nashua Operating Budget to fully fund the Nashua Fire Rescue Regional Hazmat
team.

Effective January 6, 2013 — One (1) Captain will be regularly assigned as the
Haz Mat Team Captain in addition to the Captain assigned to each Station.

Alternate team members (not assigned daily to the regular team) will receive
a weekly amount equal to one half their hourly rate, as a stipend for this
assignment.

Limit: 36 Members 8 Officers 28 Fire Fighters

This stipend shall be granted only for that period of time for which sufficient
funding is recetved by Nashua Fire Rescue from sources other than the City of
Nashua Operating Budget to fully fund the Nashua Fire Rescue Regional Hazmat
team.

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