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EX-10.4

DTE Electric Co

AMENDED AND RESTATED INTERCREDITOR AGREEMENT

This AMENDED AND RESTATED INTERCREDITOR AGREEMENT (this “Agreement”) is made as of [______ __,] 2026, by and among:

(a) DTE Electric Company (in its individual capacity, the “Company”);

(b) DTE Electric Company, in its separate capacity as the initial servicer of, and collection agent with respect to, the Initial Customer Property (as defined below) (including any successor in such capacity, the “Initial Property Servicer”);

(c) DTE Electric Company, in its separate capacity as the initial servicer of, and collection agent with respect to, the Additional Customer Property (as defined below) (including any successor in such capacity, the “Additional Property Servicer”);

(d) DTE Electric Company, in its separate capacity as the initial servicer of, and collection agent with respect to, the Third Customer Property (as defined below) (including any successor in such capacity, the “Third Property Servicer”);

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EX-10.4·SF-1/A·CIK 28385·ACC 0001193125-26-419161·Filed Oct 09, 2026, 16:31 ET