Document:

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                                                                    EXHIBIT 10.9

                          RELIANT ENERGY, INCORPORATED
                                  SAVINGS PLAN

                (As Amended and Restated Effective April 1, 1999)

                                 First Amendment

                  The Benefits Committee of Reliant Energy, Incorporated, having
reserved the right under Section 10.3 of the Reliant Energy, Incorporated
Savings Plan, as amended and restated effective April 1, 1999 (the "Plan"), to
amend the Plan, does hereby amend the Plan, effective as of the dates specified
below, as follows:

                  1. Effective as of January 1, 1999, the third paragraph of
Section 4.1 of the Plan is hereby amended to read as follows:

                  "In addition, for any Plan Year, the Employer, in its
         discretion, may make an additional Employer Matching Contribution in
         the amount, if any, necessary to result in a total allocation under
         Article V to the ESOP Accounts of (i) Participants who are in active
         Service as of the last day of the applicable Plan Year and (ii)
         Participants (A) whose Service terminates during the applicable Plan
         Year and who are age 55 or older with five years of Service as of such
         termination date or (B) whose Service terminates during the applicable
         Plan Year due to death or Disability, in the percentage determined by
         the Chairman of the Committee, in his sole discretion, of the total of
         each such eligible Participant's Pre-Tax Matched Contribution and
         After-Tax Matched Contribution for such Plan Year. The foregoing
         discretionary allocation shall be communicated to such eligible
         Participants within 90 days following the close of the applicable Plan
         Year. Further, the Employer may make an additional ESOP Contribution
         and/or Employer Matching Contribution, if necessary, to make the
         allocation required under Section 5.3(d)(ii) with respect to dividends
         used to repay an Exempt Loan."

                  2. Effective as of January 1, 1999, the last sentence of
Section 5.3(b) of the Plan is hereby amended to read as follows:

         "Allocations made pursuant to this Section 5.3(b) shall be made as soon
         as practicable after the close of each payroll period in an amount not
         to exceed 75% of the total of each Participant's Pre-Tax Matched
         Contribution and After-Tax Matched Contribution and, if applicable,
         after the close of the first quarter following the end of the
         applicable Plan Year in an amount equal to the discretionary allocation
         percentage of the total of each eligible Participant's

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         Pre-Tax Matched Contribution and After-Tax Matched Contribution in
         accordance with the third paragraph of Section 4.1."

                  3. Effective as of April 1, 1999, the sixth line of Section
1.11 of the Plan is hereby amended to add the words "in cash" after the words
"payments of compensation" and before the words "which would be" in such line.

                  4. Effective as of April 1, 1999, the second sentence of
Section 3.1 of the Plan is hereby amended to read as follows:

         "Notwithstanding the foregoing, each of the following individuals shall
         be ineligible to participate in this Plan: (i) an Employee who is
         employed as a building trades worker under a construction industry
         collective bargaining agreement providing specifically for retirement
         benefit payments to be made thereunder for such building trades worker;
         (ii) an Employee who is a 'leased employee' (as defined in Section
         414(n)(2) of the Code, subject to Code Section 414(n)(5)); (iii) an
         individual who is designated, compensated, or otherwise classified or
         treated as an independent contractor or a leased employee by an
         Employer or an Affiliate; and (iv) an individual who is a non-resident
         alien and who receives no United States source earned income from the
         Employer."

                  5. Effective as of April 1, 1999, the first sentence in
Section 6.3 of the Plan is hereby amended to read as follows:

         "In the event of termination of a Participant's Service due to his
         death, the entire amount of such Participant's Account shall be fully
         vested as of his date of death. If a Participant's death occurs prior
         to filing his written election to commence the payment of his benefit
         under the Plan, after receipt by the Committee of acceptable proof of
         death, the entire vested amount in the Account of such Participant
         shall be payable as follows:"

                  6. Effective as of April 1, 1999, the first, second and third
paragraphs of Section 6.6 of the Plan and Clauses (a) and (b) of Section 6.6 of
the Plan are hereby amended to read as follows:

                  "6.6 Payment of Benefits: Upon a Participant's entitlement to
         payment of benefits under either Section 6.1, 6.2 or 6.4, he shall file
         his written election on such form or forms, and subject to such
         conditions, as the Committee shall prescribe. His election shall
         specify whether he wishes payment of his benefits to be made as of such
         entitlement or to be deferred to the extent provided below. If a
         payment becomes due for any reason other than death or Disability, and
         if the amounts due from the Participant's Accounts are in excess of
         $5,000, payment of

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         such amounts shall be deferred to the extent provided below unless the
         Participant consents to earlier payment. If the Participant so consents
         to an earlier payment, such payment shall be made as soon as
         practicable. Notwithstanding any other provision of this Section 6.6 or
         the Plan to the contrary, if the amounts due from the Participant's
         Accounts do not exceed $5,000, payment of such amounts shall
         automatically be made in a lump-sum payment as soon as administratively
         practicable following termination of Service for any reason.

                  In the case of a distribution under Section 6.3 on account of
         the Participant's death, the Committee shall pay the entire vested
         amount in the Participant's Accounts to the party or parties entitled
         thereto under Section 6.3 in a lump-sum distribution in cash or, if
         timely elected by such party or parties, all or a portion in kind in
         the shares of Common Stock held in an Account invested in the Reliant
         Energy Common Stock Fund, within five years after the death of such
         Participant.

                  Subject to the requirements of Section 6.10 and except as
         otherwise provided in this Section 6.6, any distribution to be made to
         a Participant under the provisions of this Article VI following his
         termination of employment shall be made or commence as soon as
         administratively practicable after the Participant files his written
         election, in the form and manner prescribed by the Committee, to
         receive the amounts in his Accounts, with such amounts to be paid in
         one of the following methods, as elected by the Participant:

                           (a) Lump-Sum Distributions: As a lump-sum
                  distribution in cash, provided that no lump-sum distribution
                  may be paid to the Participant unless he has elected such
                  distribution on an election form prescribed by the Committee.

                           (b) Installment Payments: As monthly, quarterly,
                  semi-annual or annual installment payments over a specified
                  term of ten years or less, as elected by the Participant, in
                  cash ('Installment Payments'), provided that no Installment
                  Payments may be paid to the Participant unless he has elected
                  such payments on an election form prescribed by the Committee,
                  with such Installment Payments continuing to the Participant's
                  Beneficiary designated on such election form (or his
                  Beneficiary under the Plan in lieu of a valid election form
                  designation) if the Participant's death occurs during the term
                  of the Installment Payments. After Installment Payments
                  commence, the Participant (or his Beneficiary, as provided
                  above in the event of the Participant's death) shall have the
                  right at any time to convert the remaining balance of his
                  Account to a lump-sum distribution."

                  7. Effective as of July 1, 2000, Article I of the Plan is
hereby amended to add new Section 1.28(A) to read as follows:

                  "1.28(A) INSYNC PARTICIPANT: A Participant who was
         participating in the Insync Plan immediately prior to July 1, 2000."

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                  8. Effective as of July 1, 2000, Article I of the Plan is
hereby amended to add new Section 1.28(B) as follows:

                  "1.28(B) INSYNC PLAN: The Insync Internet Services, Inc.
         401(k) Plan as in effect immediately prior to July 1, 2000."

                  9. Effective as of July 1, 2000, the second paragraph of
Section 5.1(a) of the Plan and Clause (i) of Section 5.1(a) of the Plan are
hereby amended to read as follows:

                  "The foregoing to the contrary notwithstanding, with respect
         to certain amounts transferred to the Plan from the Insync Plan,
         Minnegasco Plan and NorAm Plan, the following Prior Plan Accounts shall
         be maintained:

                           (i) Prior Plan Matching Account: The interest in each
                  Investment Fund attributable to employee matching contribution
                  to (A) the Minnegasco and NorAm Plans prior to January 1, 1999
                  for Minnegasco and NorAm Participants, respectively, and (B)
                  the Insync Plan prior to July 1, 2000 for Insync Participants
                  shall be reflected in a Prior Plan Matching Account;"

                  IN WITNESS WHEREOF, the Benefits Committee of Reliant Energy,
Incorporated has caused these presents to be executed by its duly authorized
Chairman in a number of copies, all of which shall constitute one and the same
instrument, which may be sufficiently evidenced by any executed copy hereof,
this 6th day of September, 2000, but effective as of the dates specified herein.

                                        BENEFITS COMMITTEE OF
                                        RELIANT ENERGY, INCORPORATED

                                        By: /s David M. McClanahan
                                           --------------------------
                                           David McClanahan, Chairman
ATTEST:

/s/ Lynne Harkel-Rumford
--------------------------------------
Lynne Harkel-Rumford, Secretary

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                                                                   EXHIBIT 10.10

                          RELIANT ENERGY, INCORPORATED
                                  SAVINGS PLAN

                                SECOND AMENDMENT

                  The Benefits Committee of Reliant Energy, Incorporated, having
reserved the right under Section 10.3 of the Reliant Energy, Incorporated
Savings Plan, as amended and restated effective April 1, 1999 (the "Plan"), to
amend the Plan, does hereby amend the Plan, effective as of the dates specified
below, as follows:

                  1. Effective as of January 1, 1997, the definition of
"Employee" in Section 1.16 of the Plan is hereby amended in its entirety to read
as follows:

                  "1.16 EMPLOYEE: Any person employed by an Employer, and
         including (i) any disabled individual on 'Initial LTD Status' or
         inactive status under the Long-Term Disability Plan of an Employer and
         (ii) any Leased Employee performing services for an Employer. In
         addition to the above, the term 'Employee' shall include any person
         receiving remuneration for personal services (or would be receiving
         such remuneration except for an authorized leave of absence) rendered
         as an employee of a foreign affiliate (as defined in Code Section
         3121(l)(6)) of an Employer to which an agreement extending coverage
         under the Federal Social Security Act entered into by an Employer under
         Section 3121(l) of said Code applies, provided that such person is a
         citizen or resident of the United States."

                  2. Effective as of July 1, 2000, the definition of "Insync
Participant" in Section 1.28(A) of the Plan is hereby redesignated as Section
1.29 of the Plan, and all subsequent definitions shall be redesignated and all
affected references are hereby amended accordingly.

                  3. Effective as of July 1, 2000, the definition of "Insync
Plan" in Section 1.28(B) of the Plan is hereby redesignated as Section 1.30 of
the Plan, and all subsequent definitions shall be redesignated and all affected
references are hereby amended accordingly.

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                  4. Effective as of January 1, 1997, the following new
definition of "Leased Employee" is hereby added as Section 1.31 of the Plan
(prior to the redesignations in Paragraphs 2 and 3 herein), and all subsequent
definitions shall be redesignated and all affected references are hereby amended
accordingly:

                  "1.31 LEASED EMPLOYEE: Each person who is not an employee of
         the Employer or an Affiliate but who performs services for the Employer
         or an Affiliate pursuant to a leasing agreement (oral or written)
         between the Employer or an Affiliate and any leasing organization,
         provided that such person has performed such services for the Employer
         or an Affiliate or for related persons (within the meaning of Section
         144(a)(3) of the Code) on a substantially full-time basis for a period
         of at least one year and such services are performed under primary
         direction or control by the Employer or an Affiliate. The term 'Leased
         Employee' shall also include any individual who is deemed to be an
         employee of the Employer under Section 414(o) of the Code.
         Notwithstanding the preceding sentences, if individuals described in
         the preceding sentences constitute less than 20% of the Employer's
         nonhighly compensated work force within the meaning of Section
         414(n)(5)(C)(ii) of the Code, the Plan shall not treat an individual as
         a Leased Employee if the leasing organization covers the individual in
         a money purchase pension plan providing immediate participation, full
         and immediate vesting and a nonintegrated contribution formula equal to
         at least 10% of the individual's annual compensation as defined in
         Section 415(c)(3) of the Code, but including amounts contributed by the
         Employer pursuant to a salary reduction agreement which are excludable
         from the individual's gross income under Sections 125, 402(a)(8),
         402(h) or 403(b) of the Code. If any Leased Employee shall be treated
         as an Employee of the Employer, however, contributions or benefits
         provided by the leasing organization which are attributable to services
         of the Leased Employee performed for the Employer shall be treated as
         provided by the Employer."

                  5. Effective as of April 1, 1999, the following new definition
of "Qualified Joint and Survivor Annuity" is hereby added as Section 1.45 of the
Plan (prior to the redesignations in Paragraphs 2, 3 and 4 herein), and all
subsequent definitions shall be redesignated and all affected references are
hereby amended accordingly:

                  "1.45 QUALIFIED JOINT AND SURVIVOR ANNUITY: With respect to a
         Participant with a Cengas Account, a monthly annuity for the life of
         the Participant beginning on the date any distribution is to be made
         with a survivor annuity equal to 50% of the amount of the annuity which
         is payable during the

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         joint lives of the Participant and the person who is the spouse of the
         Participant on the earlier of the date benefits commence or the date
         the annuity is distributed, and which is purchased from an insurance
         company with the vested portion of the Participant's Cengas Account
         determined as of the most recent Valuation Date. The Committee shall
         have the discretion to determine the insurance company from which the
         annuity shall be purchased. If a Participant is not married, the term
         'Qualified Joint and Survivor Annuity' shall mean an immediate annuity
         for the life of the Participant purchased in the same manner as
         provided above."

                  6. Effective as of April 1, 1999, the following new definition
of "Qualified Survivor Annuity" is hereby added as Section 1.46 of the Plan
(prior to the redesignations in Paragraphs 2, 3, 4 and 5 herein), and all
subsequent definitions shall be redesignated and all affected references are
hereby amended accordingly:

                  "1.46 QUALIFIED SURVIVOR ANNUITY: With respect to a
         Participant with a Cengas Account, an annuity payable for the life of
         the surviving spouse beginning on the date any distribution is to be
         made which is purchased from an insurance company with the vested
         portion of the Participant's Cengas Account determined as of the most
         recent Valuation Date. The Committee shall have the discretion to
         determine the insurance company from which the annuity shall be
         purchased."

                  7. Effective as of April 1, 1999, the definition of "Valuation
Date" in Section 1.54 of the Plan (prior to the redesignations in Paragraphs 2,
3, 4, 5 and 6 herein) is hereby amended in its entirety to read as follows:

                  "1.54 VALUATION DATE: Any date on which the New York Stock
         Exchange is open for trading and any date on which the value of the
         assets of the Trust Fund is determined by the Trustee pursuant to
         Section 5.2. The last business day of each calendar month shall be the
         "monthly Valuation Date," the last business day of each March, June,
         September and December of each Plan Year shall be the "quarterly
         Valuation Date," and the last business day of each December of each
         Plan Year shall be the "annual Valuation Date."

                  8. Effective as of January 1, 1997, the phrase "(ii) an
Employee who is a 'leased employee' as defined in Section 414(n) of the Code" in
the last sentence of Section 3.1 of the Plan is hereby deleted and the phrase
"(ii) an Employee who is a Leased Employee" is hereby substituted therefor.

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                  9. Effective as of January 1, 1997, the phrase "and if elected
by the Employer, was in the 'top-paid group' (the top 20% of payroll) for the
Plan Year" in subsection (ii) of the definition of "Highly Compensated Employee"
in Section 4.5 of the Plan, is hereby deleted.

                  10. Effective as of January 1, 1997, the last two sentences in
the second paragraph of Section 4.8 of the Plan are hereby amended to read as
follows:

         "If these distributions are made, the Actual Deferral Percentage is
         treated as meeting the nondiscrimination test of Section 401(k)(3) of
         the Code regardless of whether the Actual Deferral Percentage, if
         recalculated after distributions, would satisfy Section 401(k)(3) of
         the Code. The above procedures are used for purposes of distributing
         excess Pre-Tax Contributions under Section 401(k)(8)(A)(i) of the Code.
         For purposes of Section 401(m)(9) of the Code, if a corrective
         distribution of excess Pre-Tax Contributions has been made, the Actual
         Deferral Percentage for Highly Compensated Employees is deemed to be
         the largest amount permitted under Section 401(k)(3) of the Code."

                  11. Effective as of April 1, 1999, the first sentence of the
first paragraph of Section 5.4(c) is hereby amended to add the word "any"
immediately following the words "each Valuation Date," and before the words
"installment payments".

                  12. Effective as of April 1, 1999, the first paragraph of
Section 6.6 is hereby amended to read as follows:

                  "6.6 Payment of Benefits: Upon a Participant's entitlement to
         payment of benefits under either Section 6.1, 6.2 or 6.4, he shall file
         his written election on such form or forms, and subject to such
         conditions, as the Committee shall prescribe. His election shall
         specify whether he wishes payment of his benefits to be made or
         commence as of such entitlement or to be deferred to the extent
         provided below. If a payment becomes due for any reason other than
         death or Disability, and if the amounts due from the Participant's
         Accounts are in excess of $5,000, payment of such amounts shall be
         deferred to the extent provided below unless the Participant consents
         to earlier payment. Unless a Participant elects otherwise, payment of
         his benefits under this Plan shall be made or commence no later than
         the 60th day after the latest of the end of the Plan Year in which
         (a) the

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         Participant attains age 65, (b) occurs the tenth anniversary of the
         year in which the Participant commenced participation in the Plan or
         (c) the Participant's Service terminates. If the Participant so
         consents to an earlier payment, such payment shall be made as soon as
         practicable. Notwithstanding any other provision of this Section 6.6 or
         the Plan to the contrary, if the amounts due from the Participant's
         Accounts do not exceed $5,000, payment of such amounts shall
         automatically be made in a lump-sum payment as soon as administratively
         practicable following termination of Service for any reason."

                  13. Effective as of April 1, 1999, the term "qualified
survivor annuity" in Section 6.6(d) of the Plan is hereby deleted and the term
"Qualified Survivor Annuity" is hereby substituted therefor.

                  14. Effective as of April 1, 1999, each use of the term
"qualified joint and survivor annuity" in Section 6.6(d) of the Plan is hereby
deleted and the term "Qualified Joint and Survivor Annuity" is hereby
substituted therefor.

                  15. Effective as of January 1, 2000, Section 6.7(b)(i) is
hereby amended to add the phrase "any hardship distribution made under Section
401(k)(2)(B)(i)(IV) of the Code;" immediately following the phrase "under
Section 401(a)(9) of the Code;" and before the phrase "and the portion of."

                  16. Effective as of April 1, 1999, Section 7.5 of the Plan is
hereby amended to add the following new sentence to the end thereof:

         "The foregoing notwithstanding, any withdrawal from a Participant's
         Cengas Account shall be subject to the written consent of his spouse in
         a manner prescribed by the Committee."

                  IN WITNESS WHEREOF, the Benefits Committee of Reliant Energy,
Incorporated has caused these presents to be executed by its duly authorized
Chairman in a number of copies, all of which shall constitute one and the same
instrument, which may be

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sufficiently evidenced by any executed copy hereof, this 3rd day of November,
2000, but effective as of the dates specified herein.

                                        BENEFITS COMMITTEE OF
                                        RELIANT ENERGY, INCORPORATED

                                        By: /s/ David McClanahan
                                           --------------------------
                                           David McClanahan, Chairman
ATTEST:

/s/ Phylis Hazel
-----------------------
Phylis Hazel, Secretary

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