Document:

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                                                                   EXHIBIT 10.11

                          RELIANT ENERGY, INCORPORATED
                                  SAVINGS PLAN

                (As Amended and Restated Effective April 1, 1999)

                                 Third 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, and as thereafter
amended (the "Plan"), to amend the Plan, does hereby amend the Plan, to make
certain design and law changes, including those which reflect certain provisions
of the Economic Growth and Tax Relief Reconciliation Act of 2001, effective as
of the dates set forth below, as follows:

                  1. Effective as of January 1, 2001, the definition of
"Anniversary Date" in Section 1.5 of the Plan is hereby deleted, and all
subsequent definitions are hereby redesignated and all affected references are
hereby amended accordingly.

                  2. Effective as of January 1, 2002, clause (v) in the third
sentence of the definition of "Compensation" in Section 1.11 of the Plan (prior
to the redesignation in Paragraph 1 herein) is hereby amended to read as
follows:

         "(v) Compensation taken into account under the Plan for any Participant
         during a given Plan Year exceeding $200,000 (or such other amount
         provided under Code Section 401(a)(17)), as adjusted for cost-of-living
         increases in accordance with Code Section 401(a)(17)(B)."

                  3. Effective as of March 1, 2001, the definition of
"Contribution" in Section 1.12 of the Plan (prior to the redesignation in
Paragraph 1 herein) is hereby amended in its entirety to read as follows:

                  "1.12 CONTRIBUTION: Any amount contributed to the Trust Fund
         pursuant to the provisions of this Plan by the Employer or by a
         Participant from his Compensation, including After-Tax Matched
         Contributions, After-Tax Unmatched Contributions, Employer Matching
         Contributions, ESOP Contributions, Pre-Tax Matched Contributions,
         Pre-Tax Unmatched Contributions and Profit Sharing Contributions."

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                  4. Effective as of March 1, 2001, the definition of "Employer
Contributions" in Section 1.18 of the Plan (prior to the redesignation in
Paragraph 1 herein) is hereby amended in its entirety to read as follows:

                  "1.18 EMPLOYER CONTRIBUTIONS: Collectively, Employer Matching
         Contributions, ESOP Contributions and Profit Sharing Contributions."

                  5. Effective as of March 1, 2001, the definition of "Employer
Matching Account" in Section 1.19 of the Plan (prior to the redesignation in
Paragraph 1 herein) is hereby amended in its entirety to read as follows:

                  "1.19 EMPLOYER MATCHING ACCOUNT: A Reliant Employer Matching
         Account and/or Resources Employer Matching Account, individually or
         collectively, as indicated by the context in which the term is used."

                  6. Effective as of March 1, 2001, the definition of "Employer
Matching Contributions" in Section 1.20 of the Plan (prior to the redesignation
in Paragraph 1 herein) is hereby amended in its entirety to read as follows:

                  "1.20 EMPLOYER MATCHING CONTRIBUTIONS: Collectively, Reliant
         Employer Matching Contributions and Resources Employer Matching
         Contributions."

                  7. Effective as of March 1, 2001, the definition of
"Participant" in Section 1.39 of the Plan (prior to the redesignation in
Paragraph 1 herein) is hereby amended in its entirety to read as follows:

                  "1.39 PARTICIPANT: An Employee who, pursuant to the provisions
         of Article III hereof, has met the eligibility requirements and is
         participating in the Plan. A former Employee shall be deemed a
         Participant under the Plan as long as he has an Account in the Trust
         Fund that has not been forfeited under Section 6.1 hereof and will be
         entitled to exercise all the rights and privileges granted active
         Employees who are Participants except as otherwise specifically
         provided in the case of contributions to the Plan under Article IV and
         Participant loans under Section 7.5 hereof."

                  8. Effective as of March 1, 2001, the following new definition
of "Profit Sharing Contributions" is hereby added as Section 1.48 of the Plan
(prior to the redesignation in Paragraph 1 herein), and all subsequent
definitions are hereby redesignated and all affected references are hereby
amended accordingly:

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                  "1.48 PROFIT SHARING CONTRIBUTIONS: Any amount contributed to
         the Trust Fund by the Resources Employer pursuant to Section 4.1(d), in
         the form of an 'Annual Profit Sharing Contribution' or a 'Payroll
         Profit Sharing Contribution' (as each is described in Section 4.1(d))."

                  9. Effective as of March 1, 2001, the following new definition
of "Profit Sharing Account" is hereby added as Section 1.49 of the Plan (prior
to the redesignation in Paragraph 1 herein), and all subsequent definitions are
hereby redesignated and all affected references are hereby amended accordingly:

                  "1.49 PROFIT SHARING ACCOUNT: The account maintained to
         reflect the Profit Sharing Contributions to the Plan for a Participant,
         and any adjustments thereto made pursuant to the provisions of the
         Plan."

                  10. Effective as of March 1, 2001, the following new
definition of "Reliant Employee" is hereby added as Section 1.50 of the Plan
(prior to the redesignations in Paragraphs 1, 8 and 9 herein), and all
subsequent definitions are hereby redesignated and all affected references are
hereby amended accordingly:

                  "1.50 RELIANT EMPLOYEE: An Employee who is not classified as a
         Resources Employee."

                  11. Effective as of March 1, 2001, the following new
definition of "Reliant Employer" is hereby added as Section 1.51 of the Plan
(prior to the redesignations in Paragraphs 1, 8 and 9 herein), and all
subsequent definitions are hereby redesignated and all affected references are
hereby amended accordingly:

                  "1.51 RELIANT EMPLOYER: The Company and each other Employer
         that is not a Resources Employer."

                  12. Effective as of March 1, 2001, the following new
definition of "Reliant Employer Matching Account" is hereby added as Section
1.52 of the Plan (prior to the redesignations in Paragraphs 1, 8 and 9 herein),
and all subsequent definitions are hereby redesignated and all affected
references are hereby amended accordingly:

                  "1.52 RELIANT EMPLOYER MATCHING ACCOUNT: The account
         maintained to reflect Reliant Employer Matching Contributions to the
         Plan (and to reflect all 'Employer Matching Contributions' made to, and
         maintained in, the 'Employer Matching Account' prior to March 1, 2001,
         as each such term was defined under

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         the Plan immediately prior to March 1, 2001) for each Participant, and
         any adjustments thereto made pursuant to the provisions of the Plan."

                  13. Effective as of March 1, 2001, the following new
definition of "Reliant Employer Matching Contributions" is hereby added as
Section 1.53 of the Plan (prior to the redesignations in Paragraphs 1, 8 and 9
herein), and all subsequent definitions are hereby redesignated and all affected
references are hereby amended accordingly:

                  "1.53 RELIANT EMPLOYER MATCHING CONTRIBUTIONS: Any amount,
         with the exception of ESOP Contributions, contributed to the Trust Fund
         by a Reliant Employer pursuant to Section 4.1(b)."

                  14. Effective as of March 1, 2001, the following new
definition of "Resources" is hereby added as Section 1.54 of the Plan (prior to
the redesignations in Paragraphs 1, 8 and 9 herein), and all subsequent
definitions are hereby redesignated and all affected references are hereby
amended accordingly:

                  "1.54 RESOURCES: Reliant Resources, Inc., a Delaware
         corporation, or a successor to Reliant Resources, Inc., in the
         ownership of substantially all of its assets."

                  15. Effective as of March 1, 2001, the following new
definition of "Resources Employee" is hereby added as Section 1.55 of the Plan
(prior to the redesignations in Paragraphs 1, 8 and 9 herein), and all
subsequent definitions are hereby redesignated and all affected references are
hereby amended accordingly:

                  "1.55 RESOURCES EMPLOYEE: An Employee of a Resources Employer,
         excluding, however, any Employee whose employment is covered by a
         collective bargaining agreement by and between an Employer and Local 66
         of the International Brotherhood of Electrical Workers, AFL-CIO, that
         provides, pursuant to good faith bargaining, for such Employee's
         participation in the Plan."

                  16. Effective as of March 1, 2001, the following new
definition of "Resources Employer" is hereby added as Section 1.56 of the Plan
(prior to the redesignations in Paragraphs 1, 8 and 9 herein), and all
subsequent definitions are hereby redesignated and all affected references are
hereby amended accordingly:

                  "1.56 RESOURCES EMPLOYER: Resources and each of its eligible
         subsidiaries that is an Employer and Reliant Energy Tegco, Inc., or its
         successor."

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                  17. Effective as of March 1, 2001, the following new
definition of "Resources Employer Matching Account" is hereby added as Section
1.57 of the Plan (prior to the redesignations in Paragraphs 1, 8 and 9 herein),
and all subsequent definitions are hereby redesignated and all affected
references are hereby amended accordingly:

                  "1.57 RESOURCES EMPLOYER MATCHING ACCOUNT: The account
         maintained to reflect Resources Employer Matching Contributions to the
         Plan for a Participant, and any adjustments thereto made pursuant to
         the provisions of the Plan."

                  18. Effective as of March 1, 2001, the following new
definition of "Resources Employer Matching Contributions" is hereby added as
Section 1.58 of the Plan (prior to the redesignations in Paragraphs 1, 8 and 9
herein), and all subsequent definitions are hereby redesignated and all affected
references are hereby amended accordingly:

                  "1.58 RESOURCES EMPLOYER MATCHING CONTRIBUTIONS: Any amount
         contributed to the Trust Fund by a Resources Employer pursuant to
         Section 4.1(c)."

                  19. Effective as of March 1, 2001, the following new
definition of "Resources Stock" is hereby added as Section 1.59 of the Plan
(prior to the redesignations in Paragraphs 1, 8 and 9 herein), and all
subsequent definitions are hereby redesignated and affected references are
hereby amended accordingly:

                  "1.59 RESOURCES STOCK: Common stock of Resources, which is
         readily tradable on an established securities market."

                  20. Effective as of January 1, 2002, Section 2.15 of the Plan
is hereby amended in its entirety to read as follows:

                  "2.15 Presenting Claims for Benefits: Any Participant or any
         other person claiming under any deceased Participant (collectively, the
         'Applicant') may submit written application to the Committee for the
         payment of any benefit asserted to be due him under the Plan. Such
         application shall set forth the nature of the claim and such other
         information as the Committee may reasonably request.

                  The Committee shall notify the Applicant of the benefits
         determination within a reasonable time after receipt of the claim, such
         time not to exceed 90 days unless special circumstances require an
         extension of time for processing the application. If such an extension
         of time for processing is required, written notice

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         of the extension shall be furnished to the Applicant prior to the end
         of the initial 90-day period. In no event shall such extension exceed a
         period of 90 days from the end of such initial period. The extension
         notice shall indicate the special circumstances requiring an extension
         of time and the date by which the Committee expects to render its final
         decision. Notice of the Committee's decision to deny a claim in whole
         or in part shall be set forth in a manner calculated to be understood
         by the Applicant and shall contain the following:

                  (a)   the specific reason or reasons for the denial;

                  (b)   specific reference to the pertinent Plan provisions on
                        which the denial is based;

                  (c)   a description of any additional material or information
                        necessary for the Applicant to perfect the claim and an
                        explanation of why such material or information is
                        necessary; and

                  (d)   an explanation of the claims review procedures set forth
                        in Section 2.16 hereof, including the claimant's right
                        to bring a civil action under Section 502(a) of ERISA
                        following a denial on review.

         If notice of denial is not furnished and if the claim is not granted
         within the period of time set forth above, the claim shall be deemed
         denied for purposes of proceeding to the review stage described in
         Section 2.16. Applicants shall be given timely written notice of the
         time limits set forth herein for determination on claims, appeal of
         claim denial and decisions on appeal."

                  21. Effective as of January 1, 2002, Section 2.16 of the Plan
is hereby amended in its entirety to read as follows:

                  "2.16 Claims Review Procedure: If an application filed by an
         Applicant under Section 2.15 above shall result in a denial of the
         benefit applied for, either in whole or in part, such Applicant shall
         have the right, to be exercised by written request filed with the
         Committee within 60 days after receipt of notice of the denial of his
         application or, if no such notice has been given, within 60 days after
         the application is deemed denied under Section 2.15, for the review of
         his application and of his entitlement to the benefit for which he
         applied, by the Committee. Such request for review may contain such
         additional information and comments as the Applicant may wish to
         present. The Committee shall reconsider the application in light of
         such additional information and comments as the Applicant may have
         presented and, if the Applicant shall have so requested, may grant the
         Applicant a formal hearing before the Committee in its discretion. The
         Committee shall also permit the Applicant or his designated
         representative to review pertinent documents in its possession,
         including copies of the Plan document and information provided by the
         Employer relating to the Applicant's entitlement to such benefit. The
         Committee shall render a decision no later than

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         the date of the Committee meeting next following receipt of the request
         for review, except that (i) a decision may be rendered no later than
         the second following Committee meeting if the request is received
         within 30 days of the first meeting and (ii) under special
         circumstances which require an extension of time for rendering a
         decision (including but not limited to the need to hold a hearing), the
         decision may be rendered not later than the date of the third Committee
         meeting following the receipt of the request for review. If such an
         extension of time for review is required because of special
         circumstances, written notice of the extension shall be furnished to
         the Applicant prior to the commencement of the extension. Notice of the
         Committee's final decision shall be furnished to the Applicant in
         writing, in a manner calculated to be understood by him, and if the
         Applicant's claim on review is denied in whole or in part, the notice
         shall set forth the specific reason or reasons for the denial and the
         specific reference to the pertinent plan provisions on which the denial
         is based, the Applicant's right to receive upon request, free of
         charge, reasonable access to, and copies of, all relevant documents,
         records and other information to his claim, and his right to bring a
         civil action under Section 502(a) of ERISA. If the decision on review
         is not furnished within the time period set forth above, the claim
         shall be deemed denied on review. Benefits under this Plan will only be
         paid if the Committee decides in its discretion that the Applicant is
         entitled to them."

                  22. Effective as of January 1, 2002, Section 2.17 of the Plan
is hereby amended in its entirety to read as follows:

                  "2.17 Disputed Benefits: If any dispute shall arise between an
         Applicant and the Committee after review of a claim for benefits, or in
         the event any dispute shall develop as to the person to whom the
         payment of any benefit under the Plan shall be made, the Trustee may
         withhold the payment of all or any part of the benefits payable
         hereunder to the Applicant until such dispute has been resolved by a
         court of competent jurisdiction or settled by the parties involved."

                  23. Effective as of March 1, 2001, Section 3.1 of the Plan is
hereby amended in its entirety to read as follows:

                  "3.1 Eligibility of Employees: An Employee eligible to
         participate under the applicable Prior Plan immediately preceding the
         Effective Date shall be eligible to become a Participant in this Plan
         as of the Effective Date. From and after the Effective Date, each
         Employee who is an Eligible Employee and who is not a Participant and
         who began Service with an Employer on or after April 1, 1999 shall be
         initially eligible to participate in the Plan as soon as practicable
         following the later of the Effective Date or the date he first began
         Service with an Employer. From and after March 1, 2001, each Eligible
         Employee who is a Resources Employee shall become a Participant for
         purposes of Profit Sharing Contributions (if any) as of the later of
         (a) March 1, 2001 or (b) the date he first began Service with a
         Resources Employer.

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                  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;
         (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
         nonresident alien and who receives no United States source earned
         income from the Employer."

                  24. Effective as of March 1, 2001, Section 3.4 of the Plan is
hereby amended in its entirety to read as follows:

                  "3.4 Application by Participants to Make Pre-Tax and/or
         After-Tax Contributions: Each Participant pursuant to this Article III
         who desires to make Pre-Tax Contributions and/or After-Tax
         Contributions to the Plan shall complete an application in such form as
         may be prescribed by the Committee in which the Participant shall elect
         to make and designate the amount of his Contributions, as contemplated
         under Sections 4.2 and 4.3 hereof, and his choice of investment options
         under Section 8.1 hereof."

                  25. Effective as of March 1, 2001, Section 4.1 of the Plan is
hereby amended in its entirety to read as follows:

                  "4.1 Employer Contributions.

                           (a) ESOP Contributions: For each Plan Year during
                  which an Exempt Loan is outstanding, the Reliant Employer
                  shall make an ESOP Contribution to the Trust Fund, in such
                  amount, if any, and at such times as shall be determined by
                  the Company.

                           (b) Reliant Employer Matching Contributions: In
                  addition to any contribution required under subsection (a)
                  above, the Reliant Employer shall make a Reliant Employer
                  Matching Contribution (subject to adjustments for forfeitures
                  and limitations on annual additions as elsewhere specified in
                  the Plan) in the amount, if any, necessary to result in a
                  total allocation under Article V to the ESOP Account of each
                  Participant who is a Reliant Employee of not less than 75% of
                  the total of his Pre-Tax Matched Contribution and After-Tax
                  Matched Contribution (not to exceed in the aggregate 6% of the
                  Participant's Compensation) for each payroll period.

                                    In addition to the foregoing contribution,
                  for any Plan Year, the Reliant Employer, in its sole
                  discretion, may make a discretionary

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                  Reliant 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 as of the last day of
                           the applicable Plan Year are (1) Reliant Employees
                           and (2) in active Service;

                                    (ii) Participants (1) whose Service
                           terminates during the applicable Plan Year other than
                           due to death or Disability and (2) who, as of such
                           termination date, are (I) age 55 or older with five
                           years of Service and (II) Reliant Employees; and

                                    (iii) Participants (1) whose Service
                           terminates during the applicable Plan Year due to
                           death or Disability and (2) who, as of such
                           termination date, are Reliant Employees;

                  equal to a percentage, determined by the Chairman of the
                  Committee, in his sole discretion, of the total of each such
                  eligible Participant's Pre-Tax Matched Contributions and
                  After-Tax Matched Contributions for such Plan Year. Any
                  discretionary Reliant Employer Matching Contribution shall be
                  communicated to such eligible Participants within 90 days
                  following the close of the applicable Plan Year, with such
                  contribution to be made as soon as administratively
                  practicable on or after the date of such communication, but in
                  no event later than the time prescribed by law for filing the
                  federal income tax return of the Company for the applicable
                  Plan Year, including any extension which has been granted for
                  the filing of such tax return.

                                    Further, the Reliant Employer may make an
                  additional ESOP Contribution under Section 4.1(a) and/or
                  Reliant Employer Matching Contribution under this Section
                  4.1(b), as necessary, to make the allocation required under
                  Section 5.3(d)(ii) with respect to dividends used to repay an
                  Exempt Loan.

                           (c) Resources Employer Matching Contributions: The
                  Resources Employer shall make a Resources Employer Matching
                  Contribution (subject to adjustment for forfeitures and
                  limitations on annual additions as elsewhere specified in the
                  Plan) in an amount in cash to result in a total allocation
                  under Article V to the Resources Employer Matching Account of
                  each Participant who is a Resources Employee equal to 100% of
                  the total of his Pre-Tax Matched Contribution and After-Tax
                  Matched Contribution (not to exceed in the aggregate 6% of the
                  Participant's Compensation) for each payroll period.

                           (d) Profit Sharing Contributions by Resources
                  Employer: For any Plan Year, the Resources Employer may, in
                  its sole discretion, make a Profit Sharing Contribution or
                  Contributions (subject to adjustments for

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                  forfeitures and limitations on annual additions as elsewhere
                  specified in the Plan) as described in clause (i) and/or
                  clause (ii) below:

                                    (i) Annual Profit Sharing Contribution: For
                           any Plan Year, the Resources Employer may, in its
                           sole discretion, contribute to the Trust Fund a
                           discretionary Profit Sharing Contribution in an
                           amount, if any, necessary to result in a total
                           allocation under Article V to the Profit Sharing
                           Accounts of:

                                    (1)   Participants who, as of the last day
                                          of the applicable Plan Year, are (A)
                                          Resources Employees and (B) in active
                                          Service;

                                    (2)   Participants (A) whose Service
                                          terminates during the applicable Plan
                                          Year other than due to death or
                                          Disability and (B) who, as of such
                                          termination date, are (I) Resources
                                          Employees and (II) age 55 or older
                                          with five years of Service; and

                                    (3)   Participants (A) whose Service
                                          terminates during the applicable Plan
                                          Year due to death or Disability and
                                          (B) who, as of such termination date,
                                          are Resources Employees;

                           equal to a percentage, not to exceed 3%, determined
                           by the Chairman of the Committee, in his sole
                           discretion, of each such eligible Participant's
                           Compensation for such Plan Year ('Annual Profit
                           Sharing Contribution'). The Annual Profit Sharing
                           Contribution may be made in cash, Resources Stock or
                           a combination of cash and Resources Stock, as
                           determined by the Chairman of the Committee, in his
                           sole discretion. Any Annual Profit Sharing
                           Contribution shall be communicated to eligible
                           Participants within 90 days following the close of
                           the applicable Plan Year, with such contribution to
                           be made as soon as administratively practicable on or
                           after the date of such communication, but in no event
                           later than the time prescribed by law for filing the
                           federal income tax return of the Company for the
                           applicable Plan Year, including any extension which
                           has been granted for the filing of such tax return.

                                    (ii) Payroll Profit Sharing Contributions:
                           For any Plan Year, the Resources Employer may, in its
                           sole discretion, contribute to the Trust Fund a
                           discretionary Profit Sharing Contribution in cash as
                           soon as administratively practicable on or after each
                           payroll period during such Plan Year in an amount to
                           result in a total allocation under Article V to the
                           Profit Sharing Accounts of each Participant who is a
                           Resources Employee as of

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                           the last day of each payroll period equal to a
                           percentage of each such Participant's eligible
                           Compensation (as defined below) for each such payroll
                           period, as determined by the Chairman of the
                           Committee, in his sole discretion ('Payroll Profit
                           Sharing Contribution'). For any Plan Year in which
                           the Payroll Profit Sharing Contribution is elected to
                           be made, Compensation for such contributions shall be
                           the first $85,000 (or such other amount determined by
                           the Chairman of the Committee, in his sole
                           discretion) of Compensation for such Plan Year. For
                           the 2001 Plan Year, (1) solely for purposes of
                           determining the foregoing Compensation limit (and not
                           for contribution purposes), all Compensation earned
                           by an eligible Participant for the 2001 Plan Year
                           shall be included, and (2) only payroll periods
                           beginning after February 28, 2001 shall be eligible
                           for the contribution under this Section 4.1(d)(ii).
                           With the exception of the 2001 Plan Year, any Payroll
                           Profit Sharing Contribution shall be communicated to
                           eligible Participants prior to the first day of the
                           applicable Plan Year.

                           (e) Forfeitures: To the extent specified in Section
                  5.3(d)(iii), any amount attributable to forfeitures will be
                  applied to reduce, to the extent of such forfeitures, the
                  Employer Matching Contributions required to be made and/or
                  Profit Sharing Contributions (if any) the Employer elects to
                  make under this Section 4.1 next following the determination
                  of any such forfeiture amounts and/or pay incident expenses of
                  the Plan. In the event that a forfeiture arising under Section
                  6.1 is reinstated under Section 6.9 because of the return to
                  the employment of the terminated Participant, or in the event
                  that a forfeiture arising under Section 6.11 is reinstated in
                  accordance with the provisions of Section 6.11 because of an
                  appropriate claim of forfeited unclaimed benefit by the
                  Participant, Beneficiary or other distributee, the Employer
                  shall contribute, within a reasonable time following such
                  reemployment or claim, an amount equal to the forfeiture to be
                  reinstated."

                  26. Effective as of January 1, 2002, the fourth sentence in
the first paragraph of Section 4.2 of the Plan is hereby amended to read as
follows:

         "A Participant's Pre-Tax Contributions under this Plan and all other
         plans, contracts or arrangements of the Employer shall not exceed a
         maximum dollar limitation provided under Code Section 402(g), as
         adjusted by the Secretary of the Treasury or his delegate for
         cost-of-living increases pursuant to Code Section 402(g)."

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                  27. Effective as of January 1, 2002, Section 4.12 of the Plan
is hereby amended to add the following new paragraph to the end thereof:

                  "The multiple use test described in Treasury Regulation
         Section 1.401(m)- 2 and this Section of the Plan shall not apply for
         Plan Years beginning after December 31, 2001."

                  28. Effective as of March 1, 2001, the first paragraph of
Section 5.1(a) of the Plan is hereby amended in its entirety to read as follows:

                  "Accounts shall be maintained for each Participant as may be
         appropriate from time to time to reflect his interest in the ESOP Fund
         and each Investment Fund in which he may be participating at any time
         as contemplated under Section 8.1. The interest in each Investment Fund
         attributable to the Pre-Tax and/or After-Tax Contributions made by or
         on behalf of each Participant under the Plan and Prior Plans shall be
         reflected in a Pre-Tax Contribution Account and/or an After-Tax
         Contribution Account for each Participant, respectively. The interest
         in the Reliant Energy Common Stock Fund of each Participant
         attributable to Reliant Employer Matching Contributions made to the
         Plan shall be reflected in a Reliant Employer Matching Account for each
         such Participant. The interest in the Investment Funds of each
         Participant attributable to Resources Employer Matching Contributions
         and/or Profit Sharing Contributions made to the Plan shall be reflected
         in a Resources Employer Matching Account and/or Profit Sharing Account,
         respectively, for each such Participant. The interest in the ESOP Fund
         of each Participant shall be reflected in an ESOP Account for each
         Participant as described in Section 5.3. An Employee or a Participant
         also may have a Rollover Account to reflect any rollover contributions
         he made pursuant to Section 4.16."

                  29. Effective as of March 1, 2001, subsections (a) and (b) of
Section 5.3 of the Plan are hereby amended in their entirety to read as follows:

                           "(a) Pre-Tax Contributions, After-Tax Contributions,
                  Employer Matching Contributions and Profit Sharing
                  Contributions:

                                    (i) Pre-Tax Contributions and After-Tax
                           Contributions received in the Trust Fund shall be
                           credited as soon as practicable after the close of
                           each applicable payroll period to the respective
                           Pre-Tax Contribution Accounts and After-Tax
                           Contribution Accounts of the Participants, and shall
                           be invested in the Investment Funds in accordance
                           with the Participants' instructions pursuant to
                           Section 8.1.

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                                    (ii) Reliant Employer Matching
                           Contributions, if any, received in the Trust Fund
                           shall be allocated and credited as soon as
                           practicable after the close of each applicable
                           payroll period or, in the case of the discretion
                           contribution, as soon as practicable after the end of
                           the applicable Plan Year, but in no event later than
                           the time prescribed by law for the filing of the
                           federal income tax return for the Company for the
                           applicable Plan Year, including any extension which
                           has been granted for the filing of such tax return,
                           to such Participants' Reliant Employer Matching
                           Accounts in accordance with Section 4.1(b) and shall
                           be invested in accordance with Section 8.1.

                                    (iii) Resources Employer Matching
                           Contributions received in the Trust Fund shall be
                           allocated and credited as soon as practicable after
                           the close of each applicable payroll period to such
                           Participants' Resources Employer Matching Accounts in
                           accordance with Section 4.1(c) and shall be invested
                           in the Investment Funds in accordance with the
                           Participants' instructions pursuant to Section 8.1.

                                    (iv) Payroll Profit Sharing Contributions,
                           if any, under Section 4.1(d)(ii) received in the
                           Trust Fund shall be allocated and credited as soon as
                           practicable after the close of each applicable
                           payroll period to the Profit Sharing Accounts of the
                           eligible Participants in an amount equal to the
                           percentage of each such Participant's eligible
                           Compensation for the applicable payroll period as
                           determined in accordance with Section 4.1(d)(ii), and
                           shall be invested in the Investment Funds in
                           accordance with the Participants' instructions
                           pursuant to Section 8.1.

                                    (v) An Annual Profit Sharing Contribution,
                           if any, under Section 4.1(d)(i) received in the Trust
                           Fund for a Plan Year shall be allocated and credited
                           as soon as practicable after the end of the
                           applicable Plan Year, but in no event later than the
                           time prescribed by law for the filing of the federal
                           income tax return for the Company for the applicable
                           Plan Year, including any extension which has been
                           granted for the filing of such tax return, to the
                           Profit Sharing Accounts of the eligible Participants
                           in an amount equal to the ratio that the sum of each
                           such eligible Participant's Compensation for that
                           applicable Plan Year bears to the total Compensation
                           for all such eligible Participants for such
                           applicable Plan Year, and shall be invested (1) if
                           made in cash, in the Investment Funds in accordance
                           with the Participants' instructions pursuant to
                           Section 8.1, and (2) if made in Resources Stock, in
                           the appropriate Investment Fund established by the
                           Committee for the investment in Resources Stock.

                                       13
<PAGE>

                           (b) ESOP Accounts: The ESOP Account of each
                  Participant who is a Reliant Employee shall have credited to
                  his ESOP Account his allocable portion of (i) the Company
                  Stock investment in the ESOP Fund purchased and paid for by
                  the Trust (other than Financed Stock) or contributed in kind
                  by the Reliant Employer, (ii) forfeitures from the ESOP Fund,
                  (iii) the Company Stock investment in the ESOP Fund released
                  from the Stock Suspense Account and (iv) any cash held in the
                  ESOP Fund. Such allocation shall be made in the ratio that the
                  sum of each such Participant's Pre-Tax Matched Contribution
                  and After-Tax Matched Contribution for the period bears to the
                  total Pre-Tax Matched Contributions and After-Tax Matched
                  Contributions of all such Participants for the period. The
                  foregoing 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 such eligible 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 such eligible
                  Participant's Pre-Tax Matched Contribution and After-Tax
                  Matched Contribution in accordance with Section 4.1(b)."

                  30. Effective as of March 1, 2001, Section 5.5(a)(4) of the
Plan is hereby amended in its entirety to read as follows:

                           "4. If there is an Excess Amount with respect to a
                  Participant for the Limitation Year, such Excess Amount shall
                  be disposed of as follows:

                                    A. There shall first be returned to the
                           Participant his After-Tax Unmatched Contributions, as
                           defined in Section 4.3, if any, attributable to that
                           Limitation Year to the extent such returned and
                           reduced contributions would reduce the Excess Amount.
                           If any such Excess Amount shall then remain, the
                           Participant's Profit Sharing Contributions, as
                           defined in Section 4.1(d), if any, attributable to
                           that Limitation Year shall be released and allocated
                           to a suspense account in the manner set forth in
                           Paragraph B below to the extent such returned and
                           reduced contributions would reduce the Excess Amount.
                           If any such Excess Amount shall then remain, the
                           Participant's Pre-Tax Unmatched Contributions, as
                           defined in Section 4.2, if any, attributable to that
                           Limitation Year shall be returned to the Participant
                           to the extent such returned contributions would
                           reduce the Excess Amount. If any such Excess Amount
                           shall then remain, the Participant's After-Tax
                           Matched Contributions, as defined in Section 4.3, if
                           any, attributable to that Limitation Year shall be
                           returned to the Participant, and the Employer
                           Matching Contributions made with respect to said

                                       14
<PAGE>

                           After-Tax Matched Contributions shall be reduced and
                           allocated to a suspense account in the manner set
                           forth in Paragraph B below, both to the extent such
                           returned and reduced contributions would reduce the
                           Excess Amount. If any such Excess Amount shall then
                           remain, the Participant's Pre-Tax Matched
                           Contributions, as defined in Section 4.2, if any,
                           attributable to that Limitation Year shall be
                           returned to the Participant, and the Employer
                           Matching Contributions made with respect to said
                           Pre-Tax Matched Contributions shall be reduced and
                           allocated to a suspense account in the manner set
                           forth in Paragraph B below, both to the extent such
                           returned and reduced contributions would reduce the
                           Excess Amount. All such amounts shall be adjusted for
                           any income or loss allocated thereon.

                                    B. The amount of the reduction of the
                           Employer Matching Contributions and/or Profit Sharing
                           Contributions for the Participant shall be
                           reallocated out of the ESOP Account, Employer
                           Matching Account or Profit Sharing Account, as
                           applicable, of such Participant and shall be held in
                           a suspense account that shall be applied as a part of
                           (and to reduce to such extent what would otherwise
                           be) the Employer Matching Contributions and/or Profit
                           Sharing Contributions for all Participants required
                           to be made to the Plan during the next subsequent
                           calendar quarter or quarters. No portion of such
                           Excess Amount may be distributed to Participants or
                           former Participants. If a suspense account is in
                           existence at any time during the Limitation Year
                           pursuant to this Paragraph B, such suspense account
                           shall not participate in the allocation of investment
                           gains or losses of the Trust Fund."

                  31. Effective as of March 1, 2001, the definition of "Annual
Additions" in Section 5.5(d)(2) of the Plan is hereby amended in its entirety to
read as follows:

                           "2. Annual Additions: With respect to each Plan Year
                  (Limitation Year), the total of the Employer Matching
                  Contributions, ESOP Contributions (except to the extent herein
                  provided), Pre-Tax Contributions, After-Tax Contributions,
                  Profit Sharing Contributions, forfeitures and amounts
                  described in Sections 415(e)(1) and 419(d)(2) of the Code,
                  which are allocated to the Participant's Account; excluding,
                  however, any amounts contributed to reinstate an amount
                  forfeited or an unclaimed benefit. Provided Code Section
                  415(c)(6) is satisfied, ESOP Contributions used to repay
                  interest on an Exempt Loan as described in Section 5.6 of the
                  Plan shall not constitute an Annual Addition. Subject to the
                  provisions of Section 415(c)(6) of the Code, Annual Additions
                  shall not include (i) forfeitures of Financed Stock or (ii)
                  ESOP Contributions

                                       15
<PAGE>

                  used to pay interest on the Exempt Loan and charged against
                  the Participant's Account."

                  32. Effective as of January 1, 2002, the definition of
"Maximum Permissible Amount" in Section 5.5(d)(5) of the Plan is hereby amended
in its entirety to read as follows:

                           "5. Maximum Permissible Amount: For a Limitation
                  Year, the Maximum Permissible Amount with respect to any
                  Participant shall be the lesser of:

                                    A. $40,000, as adjusted by the Secretary of
                           the Treasury or his delegate pursuant to Code Section
                           415(d); or

                                    B. 100% of the Participant's Compensation
                           for the Limitation Year."

                  33. Effective as of January 1, 2001, the definition of
"Compensation" in Section 5.5(d)(6) of the Plan is hereby amended to add the
following model language provided in Internal Revenue Service ("IRS") Notice
2001-37, 2000-25 I.R.B. 1340, with respect to amendments made by section 314(e)
of the Community Renewal Tax Relief Act of 2000 ("CRA") to Section 415(c)(3) of
the Internal Revenue Code of 1986 ("Code"), to the end thereof:

                  "For Limitation Years beginning on and after January 1, 2001,
         for purposes of applying the limitations described in Section 5.5 of
         the Plan, Compensation paid or made available during such Limitation
         Years shall include elective amounts that are not includible in the
         gross income of the Employee by reason of Code Section 132(f)(4)."

                  34. Effective as of January 1, 2002, the last sentence in the
second paragraph of the definition of "Compensation" in Section 5.5(d)(6) of the
Plan is hereby amended to read as follows:

                  "The foregoing notwithstanding, Compensation shall be limited
                  to $200,000 (or such other amount provided under Code Section
                  401(a)(17)), as adjusted for cost-of-living increases in
                  accordance with Code Section 401(a)(17)(B)."

                                       16
<PAGE>

                  35. Effective as of March 1, 2001, Section 6.1 of the Plan is
hereby amended to add the following new paragraph to the end thereof:

                  "The foregoing to the contrary notwithstanding, a Participant
         who is an active Resources Employee on or after March 1, 2001 shall be
         100% and fully vested in the values of his Accounts as of March 1, 2001
         (if any) and in all Employer Contributions to his Accounts made on and
         after March 1, 2001. Such Resources Employee who subsequently becomes a
         Reliant Employee after March 1, 2001 shall continue to be 100% and
         fully vested in the values of his Accounts at all times and in all
         Employer Contributions to his Accounts made after he is no longer a
         Resources Employee."

                  36. Effective as of March 1, 2001, the last paragraph of
Section 6.6 of the Plan is hereby amended in its entirety to read as follows:

                  "All amounts attributable to (i) any excess of the values
         attributable to the interest in his Pre-Tax Contribution Account and/or
         his After-Tax Contribution Account and Profit Sharing Account, and the
         vested portion of his interest in his Employer Matching Account, ESOP
         Account and Prior Plan Accounts that are invested in the Reliant Energy
         Common Stock Fund and the ESOP Fund, over the interest therein provided
         to be distributed to him in kind, plus (ii) any interest of such
         Participant in his Pre-Tax Contribution Account and/or his After-Tax
         Contribution Account in any other Investment Fund, with the exception
         of the Reliant Energy Common Stock Fund, shall be distributed in cash."

                  37. Effective as of March 1, 2001, subsection (a) of Section
6.8 of the Plan is hereby amended in its entirety to read as follows:

                  "(a) Pre-Tax Contributions, After-Tax Contributions, Profit
         Sharing Contributions, Employer Matching Contributions and ESOP
         Contributions made subsequent to such Valuation Date;"

                  38. Effective as of January 1, 2001, Section 6.10 of the Plan
is hereby amended to add the following model language provided under IRS
Announcement 2001-18, 2001-10 I.R.B. 791, to adopt the proposed regulations
under Section 401(a)(9) of the Code, published January 17, 2001, for purposes of
making required minimum distributions from the Plan, to the end thereof:

                  "With respect to distributions under the Plan made for
         calendar years beginning on or after January 1, 2001, the Plan will
         apply the minimum distribution requirements of Section 401(a)(9) of the
         Code in accordance with the regulations under Section 401(a)(9) that
         were proposed on January 17, 2001,

                                       17
<PAGE>

         notwithstanding any provision of the Plan to the contrary. This
         amendment shall continue in effect until the end of the last calendar
         year beginning before the effective date of final regulations under
         Code Section 401(a)(9) or such other date as may be specified in
         guidance published by the Internal Revenue Service."

                  39. Effective as of March 1, 2001, Section 7.2 of the Plan is
hereby amended in its entirety to read as follows:

                  "7.2 Withdrawal of Pre-Tax Contributions On and After Age
         59 1/2: Pursuant to advance notice given in the manner prescribed by
         the Committee from time to time and subject to the conditions of
         Section 7.4, and subject to first withdrawing all amounts that may be
         available under Sections 7.1 and 7.3, each Participant who is age
         59 1/2 or older may elect to withdraw all or any amounts attributable
         to his Pre-Tax Matched and Unmatched Contributions, determined as of
         the Valuation Date immediately preceding the withdrawal date. Amounts
         withdrawn under this Section 7.2 shall be charged and withdrawn from a
         Participant's Accounts, to the extent applicable, in the following
         order: (i) Pre-Tax Unmatched Contributions and then Pre-Tax Matched
         Contributions in his Pre-Tax Contribution Account."

                  40. Effective as of March 1, 2001, the first, second and third
paragraphs of Section 8.1 of the Plan are hereby amended in their entirety to
read as follows:

                  "8.1 Investment of Trust Fund: Except as provided in Article
         VII with respect to Plan loans and as otherwise provided below, the
         Trustee shall divide the Trust Fund into Investment Funds, as set forth
         in Attachment A hereto, with such attachment hereby incorporated by
         reference as a part of the Plan, in accordance with the directions of
         the Participant and following such rules and procedures prescribed by
         the Committee. Notwithstanding any provision in this Section 8.1 to the
         contrary, a Participant (a) may not direct the investment of the
         amounts in his (i) Reliant Employer Matching Account (including amounts
         contributed to a Participant's 'Employer Matching Account' prior to
         March 1, 2001 (as such term was defined under the Plan immediately
         prior to March 1, 2001)), (ii) ESOP Account, or (iii) Prior Plan 1999
         Matching Account into any Investment Fund other than the Reliant Energy
         Common Stock Fund, as described in Attachment A hereto, except as
         provided in Section 8.2, and (b) may not direct the investment of
         amounts in his Profit Sharing Account that were contributed in the form
         of Resources Stock into any Investment Fund other than the Investment
         Fund established by the Committee for such contribution until such
         Participant attains age 55 or older.

                  The Committee from time to time may revise the number and type
         of Investment Funds provided in Attachment A. Subject to such rules and
         procedures adopted by the Committee, each Participant shall have the
         right to direct the Committee or any agent appointed by the Committee
         to administer the investment of the Trust Fund to instruct the Trustee
         to invest his (i) Pre-Tax

                                       18
<PAGE>

         Contributions, (ii) After-Tax Contributions, (iii) Resources Employer
         Matching Contributions, (iv) Profit Sharing Contributions paid in cash
         and, if age 55, paid in Resources Stock, (v) amounts in his Prior Plan
         Accounts, excluding the Prior Plan 1999 Matching Account, and (vi)
         Rollover Account, and the earnings and accretions thereon, in any whole
         percentages totaling 100% among the Investment Funds.

                  With no restrictions on frequency, each Participant may, by
         electronic, telephonic, written or other such manner as may be
         prescribed from time to time by the Committee and subject to any
         restrictions or conditions that may be established by the Committee,
         direct (1) the investment of his future (i) After-Tax Contributions,
         (ii) Pre-Tax Contributions, (iii) Resources Employer Matching
         Contributions and (iv) Profit Sharing Contributions paid in cash, and
         (2) the transfer of the current values in his (i) After-Tax
         Contribution Account, (ii) Pre-Tax Contribution Account, (iii) Prior
         Plan Accounts, excluding the Prior Plan 1999 Matching Account, (iv)
         Resources Employer Matching Account, (v) Profit Sharing Contributions
         paid in cash and, if age 55, paid in Resources Stock and/or (vi)
         Rollover Account among the various Investment Funds in any whole
         percentages totaling 100%. Any such change in Investment Funds shall be
         effective as soon as reasonably practicable following receipt of the
         change of Investment Funds, but in no event shall such change be
         effective earlier than the close of business on the Valuation Date on
         which such change is received. If a Participant fails to make a proper
         designation, then his Account shall be invested as soon as
         administratively feasible in the Investment Fund or Funds specified by
         the Committee from time to time in a uniform and nondiscriminatory
         manner."

                  41. Effective as of March 1, 2001, subsection (a) of Section
8.2 of the Plan is hereby amended in its entirety to read as follows:

                           "(a) Subject to Section 8.2(b), each Qualified
                  Participant (as defined herein) may elect, within 90 days
                  after the close of each Plan Year in the initial election
                  period (as defined herein), to direct the investment of up to
                  25% of the sum of the balances in the Participant's Reliant
                  Employer Matching Account, ESOP Account and Prior Plan 1999
                  Matching Account (to the extent such portion exceeds the
                  amount to which a prior election to diversify under this
                  Section 8.2(a) applies) into any or all Investment Funds with
                  the exception of the Reliant Energy Common Stock Fund, and
                  such diversification shall be made no later than as required
                  under Code Section 401(a)(28). In the Plan Year after the
                  initial election period, the percentage shall be 50% instead
                  of 25%. A Qualified Participant is any Participant who has
                  completed at least 10 years of participation in the Plan and
                  applicable Prior Plan and who has attained age 55. The initial
                  election period means the five Plan Year period beginning with
                  the first Plan Year on or after January 1, 1992 in which the
                  Participant first became a qualified Participant."

                                       19
<PAGE>

         42. Effective as of March 1, 2001, clause (i) of Section 8.2(b) of the
Plan is hereby amended in its entirety to read as follows:

                           "(i) Each Participant who has (1) completed at least
                  10 years of participation in the Plan and applicable Prior
                  Plan and (2) attained age 55 (hereinafter, a 'Qualified
                  Participant') may elect, within 90 days after the close of
                  each Plan Year in the initial election period (as defined
                  herein), to direct the investment of up to 25% of the sum of
                  the balances in such Participant's Reliant Employer Matching
                  Account, ESOP Account and Prior Plan 1999 Matching Account (to
                  the extent such portion exceeds the amount to which a prior
                  election to diversify under this Section 8.2(b) applies), into
                  any or all Investment Funds with the exception of the Reliant
                  Energy Common Stock Fund, and such diversification shall be
                  made no later than as required under Code Section 401(a)(28).
                  In the Plan Year after the initial election period, the
                  percentage shall be 50% instead of 25%. The initial election
                  period means the five Plan Year period beginning with the
                  first Plan Year in which the Participant first became a
                  Qualified Participant."

         43. Effective as of January 1, 2002, the fifth sentence in the first
paragraph of Section 11.3 of the Plan is hereby amended to read as follows:

         "For this purpose, the percentage with respect to a Key Employee will
         be determined by dividing the contributions (including forfeitures)
         made for such Key Employee by his total compensation (as defined in
         Section 415 of the Code) not in excess of $200,000 (or such other
         amount provided under Code Section 401(a)(17)) for the Plan Year."

         44. Effective as of January 1, 2002, the first sentence in Section 11.4
of the Plan is hereby amended to read as follows:

         "Each Participant's Compensation taken into account under this Article
         XI and under Section 1.11 for purposes of computing benefits under this
         Plan will not exceed $200,000 (or such other amount provided under Code
         Section 401(a)(17)), as adjusted by the Secretary of the Treasury or
         his delegate for cost-of-living increases in accordance with Code
         Section 401(a)(17)(B)."

         45. Effective as of January 1, 2002, Article XI of the Plan is hereby
amended to add the following new Section 11.9 to the end thereof:

                  "11.9.   Modification of Top-Heavy Rules.

                           (a) Effective Date. This Section shall apply for
                  purposes of determining whether the Plan is a top-heavy plan
                  under Section 416(g) of

                                       20
<PAGE>

                  the Code for Plan Years beginning after December 31, 2001, and
                  whether the Plan satisfies the minimum benefits requirements
                  of Section 416(c) of the Code for such years, and, as
                  applicable, amends this Article XI of the Plan.

                           (b)      Determination of Top-Heavy Status.

                                    1. 'Key Employee' means any Employee or
                           former Employee (including any deceased Employee) who
                           at any time during the Plan Year that includes the
                           Determination Date was an officer of a Considered
                           Company having annual compensation greater than
                           $130,000 (as adjusted under Section 416(i)(1) of the
                           Code for Plan Years beginning after December 31,
                           2002), a 5-percent owner of a Considered Company, or
                           a 1-percent owner of a Considered Company having
                           annual compensation of more than $150,000. For this
                           purpose, annual compensation means compensation
                           within the meaning of Section 415(c)(3) of the Code.
                           The determination of who is a Key Employee will be
                           made in accordance with Section 416(i)(1) of the Code
                           and the applicable regulations and other guidance of
                           general applicability issued thereunder.

                                    2. This subparagraph (2) shall apply for
                           purposes of determining the present values of accrued
                           benefits and the amounts of account balances of
                           Employees as of the Determination Date.

                                            (A) Distributions during year ending
                                    on the Determination Date. The present
                                    values of accrued benefits and the amounts
                                    of account balances of an Employee as of the
                                    Determination Date shall be increased by the
                                    distributions made with respect to the
                                    Employee under the Plan and any plan
                                    aggregated with the Plan under Section
                                    416(g)(2) of the Code during the 1-year
                                    period ending on the Determination Date. The
                                    preceding sentence shall also apply to
                                    distributions under a terminated plan which,
                                    had it not been terminated, would have been
                                    aggregated with the Plan under Section
                                    416(g)(2)(A)(i) of the Code. In the case of
                                    a distribution made for a reason other than
                                    separation from service, death, or
                                    disability, this provision shall be applied
                                    by substituting '5-year period' for '1-year
                                    period.'

                                            (B) Employees not performing
                                    services during year ending on the
                                    Determination Date. The accrued benefits and
                                    accounts of any individual who has not
                                    performed services for a Considered Company
                                    during the

                                       21
<PAGE>

                                    1-year period ending on the Determination
                                    Date shall not be taken into account.

                           (c) Minimum Benefits. Employer matching contributions
                  shall be taken into account for purposes of satisfying the
                  minimum contribution requirements of Section 416(c)(2) of the
                  Code and the Plan. The preceding sentence shall apply with
                  respect to matching contributions under the Plan or, if the
                  Plan provides that the minimum contribution requirement shall
                  be met in another plan, such other plan. Employer matching
                  contributions that are used to satisfy the minimum
                  contribution requirements shall be treated as matching
                  contributions for purposes of the actual contribution
                  percentage test and other requirements of Section 401(m) of
                  the Code."

                  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 19th day of December, 2001, but effective as of the dates specified herein.

                                        BENEFITS COMMITTEE OF
                                        RELIANT ENERGY, INCORPORATED

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

ATTEST:

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

                                       22<PAGE>
                                                                   EXHIBIT 10.12

                          RELIANT ENERGY, INCORPORATED
                                  SAVINGS PLAN

                (As Amended and Restated Effective April 1, 1999)

                                Fourth Amendment

         The Benefits Committee of Reliant Energy, Incorporated (the
"Committee"), having reserved the right under Section 10.3 of the Reliant
Energy, Incorporated Savings Plan, as amended and restated effective April 1,
1999, and as thereafter amended (the "Plan"), to amend the Plan, does hereby
amend the Plan, in accordance with the January 9, 2002 and May 1, 2002
resolutions of the Board of Directors of the Company, effective as of the dates
specified herein, as follows:

         1. Effective as of May 6, 2002, Article I of the Plan is hereby amended
to add the following new definition of "Reliant Energy Common Stock Fund" as
Section 1.56, and all subsequent definitions are hereby redesignated and all
affected references are hereby amended accordingly:

                  "1.56 RELIANT ENERGY COMMON STOCK FUND: An Investment Fund
         that is invested and reinvested primarily in Common Stock and
         constitutes an employee stock ownership plan, within the meaning of
         Section 4975(e) of the Code, with such fund a part of, and included
         within, the ESOP Fund and ESOP Account."

         2. Effective as of July 1, 2002, the fourth sentence in the first
paragraph of Section 4.2 of the Plan is hereby amended to read as follows:

         "Effective as of July 1, 2002, a Participant's Pre-Tax Contributions
         under this Plan and all other plans, contracts or arrangements of the
         Employer shall not exceed a maximum dollar limitation provided under
         Code Section 402(g), as adjusted by the Secretary of the Treasury or
         his delegate for cost-of-living increases pursuant to Code Section
         402(g), except to the extent permitted under this Section 4.2 with
         respect to Catch-Up Contributions."

<PAGE>

         3. Effective as of July 1, 2002, Section 4.2 of the Plan is hereby
amended by adding the following new paragraph after the second paragraph
thereof:

                  "Notwithstanding the foregoing paragraph, from and after July
         1, 2002, all Employees who are eligible to make Pre-Tax Contributions
         under this Plan and who have attained age 50 before the close of the
         Plan Year shall be eligible to make catch-up contributions in
         accordance with, and subject to the limitations of, Section 414(v) of
         the Code ('Catch-Up Contributions') in the form and manner prescribed
         by the Committee. Such Catch-Up Contributions shall not be taken into
         account for purposes of the provisions of the Plan implementing the
         required limitations of Sections 402(g) and 415 of the Code. The Plan
         shall not be treated as failing to satisfy the provisions of the Plan
         implementing the requirements of Section 401(k)(3), 401(k)(11),
         401(k)(12), 410(b), or 416 of the Code, as applicable, by reason of the
         making of such Catch-Up Contributions."

         4. Effective as of May 6, 2002, Section 5.3(b) of the Plan is hereby
amended to read as follows:

                  "(b) ESOP Accounts: Other than with respect to the portion of
         the ESOP Account attributable to the Reliant Energy Common Stock Fund,
         the ESOP Account of each Participant who is a Reliant Employee shall
         have credited to his ESOP Account his allocable portion of (i) the
         Company Stock investment in the ESOP Fund purchased and paid for by the
         Trust (other than Financed Stock) or contributed in kind by the Reliant
         Employer, (ii) forfeitures from the ESOP Fund, (iii) the Company Stock
         investment in the ESOP Fund released from the Stock Suspense Account
         and (iv) any cash held in the ESOP Fund. Except as provided below with
         respect to the Reliant Energy Common Stock Fund, allocations shall be
         made in the ratio that the sum of each such Participant's Pre-Tax
         Matched Contribution and After-Tax Matched Contribution for the period
         bears to the total Pre-Tax Matched Contributions and After-Tax Matched
         Contributions of all such Participants for the period. The foregoing
         allocations 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
         such eligible 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
         such eligible Participant's Pre-Tax Matched Contribution and After-Tax
         Matched Contribution in accordance with Section 4.1(b). Allocations to
         the portion of the ESOP Fund that is the Reliant Energy Common Stock
         Fund shall be made in accordance with Section 5.3(a)(i)."

                                       2
<PAGE>

         5. Effective as of May 6, 2002, clauses (i) and (ii) of subsection (d)
of Section 5.3 of the Plan are hereby amended to read as follows:

                           "(i) Earnings of the Investment Fund: The earnings
                  (or loss) of the Investment Fund, including the Reliant Energy
                  Common Stock Fund, since the preceding Valuation Date
                  (including the appreciation or depreciation in value of the
                  assets of the Investment Fund) shall be allocated to the
                  Accounts of Participants (other than a terminated
                  Participant's Accounts which have become current obligations
                  of the Investment Fund) in proportion to the balances in such
                  Accounts on the preceding Valuation Date, but after first
                  reducing each such Account balance by any distribution from
                  such Account since the preceding Valuation Date.

                           (ii) Income and Appreciation in Value of Stock
                  Suspense Account and ESOP Accounts, Other Than the Reliant
                  Energy Common Stock Fund, in the Trust Fund: Other than with
                  respect to the Reliant Energy Common Stock Fund, the income of
                  the ESOP Fund shall be allocated in proportion to the
                  balances, as of the preceding Valuation Date, in the Stock
                  Suspense Account and the ESOP Accounts, but after first
                  reducing each such Account balance by any distributions or
                  charges from such Accounts since the preceding Valuation Date.
                  Notwithstanding anything to the contrary in the Plan, if and
                  to the extent that dividends credited to Participants' ESOP
                  Accounts are used to amortize an Exempt Loan pursuant to
                  Section 5.6, an interest in the ESOP Fund with a fair market
                  value not less than the amount of such dividends must be
                  allocated to the Participants' ESOP Accounts (resulting from
                  the release of Financed Stock attributable to such use of
                  dividends to amortize the Exempt Loan) for the year of payment
                  of such dividends to the Plan, and the Company shall make such
                  additional Employer Matching Contributions as are necessary to
                  accomplish such result. Any dividends with respect to Financed
                  Stock that are used to amortize an Exempt Loan shall be used
                  first to repay current principal and then to repay current
                  interest with respect to such loan."

         6. Effective as of July 1, 2002, paragraph (5) of Section 5.5(d) of the
Plan is hereby amended to read as follows:

                  "5. Maximum Permissible Amount: Except to the extent permitted
         under Section 4.2 with respect to Catch-Up Contributions and Code
         Section 414(v), if applicable, for a Limitation Year, the Maximum
         Permissible Amount with respect to any Participant shall be the lesser
         of:

                                       3
<PAGE>

                                            A. $40,000, as adjusted by the
                           Secretary of the Treasury or his delegate pursuant to
                           Code Section 415(d); or

                                            B. 100% of the Participant's
                           Compensation for the Limitation Year."

         7. Effective as of May 6, 2002, the first paragraph of Section 6.1 of
the Plan is hereby amended to add the following new sentence to the end thereof:

         "The foregoing to the contrary notwithstanding, a Participant who is an
         active Employee and eligible to participate in the Plan on or after May
         6, 2002 shall be 100% and fully vested in the values of his Accounts as
         of May 6, 2002 (if any) and in all Employer Contributions to his
         Accounts made on and after May 6, 2002."

         8. Effective as of May 6, 2002, Section 6.5 of the Plan is hereby
amended to read as follows:

                  "6.5 In-Service Distributions: A Participant may elect, in
         such manner and pursuant to such rules and procedures prescribed by the
         Committee, to have cash dividends paid with respect to shares of
         Company Stock in the Participant's ESOP Account (1) paid in cash to the
         Participant or (2) paid to the Participant's ESOP Account and
         reinvested in Company Stock, in accordance with, and subject to, the
         requirements of Code Section 404(k), as amended by the Economic Growth
         and Tax Relief Reconciliation Act of 2001. Participants shall be
         provided a reasonable opportunity to change their election at least
         annually.

                  Otherwise, except to the extent that distribution of a
         Participant's Account is required prior to termination of his
         employment under Section 6.10 hereof (in the case of a Participant
         whose required beginning date occurs prior to his termination of
         employment) or under Section 10.5 hereof relating to termination of the
         Plan, or at the election of the Participant under Article VII hereof
         relating to certain withdrawals and loans, no distribution or
         withdrawal of any benefits under the Plan shall be permitted prior to
         the Participant's "separation from service, death or disability" within
         the meaning of Code Section 401(k) and the regulations thereunder other
         than a distribution authorized under the Plan upon the occurrence of an
         event described in, and made in accordance with, Code Section
         401(k)(10) or any successor provision of the Code."

                                       4
<PAGE>

         9. Effective as of May 6, 2002, Section 8.1 of the Plan is hereby
amended to read as follows:

                  "8.1 Investment of Trust Fund: Except as provided in Article
         VII with respect to Plan loans and as otherwise provided below, the
         Trustee shall divide the Trust Fund into Investment Funds, as set forth
         in Attachment A hereto, with such attachment hereby incorporated by
         reference as a part of the Plan, in accordance with the directions of
         the Participant and following such rules and procedures prescribed by
         the Committee. Notwithstanding any provision in this Section 8.1 to the
         contrary, prior to May 6, 2002, a Participant (a) may not direct the
         investment of the amounts in his (i) Reliant Employer Matching Account
         (including amounts contributed to a Participant's 'Employer Matching
         Account' prior to March 1, 2001 (as such term was defined under the
         Plan immediately prior to March 1, 2001)), (ii) ESOP Account, or (iii)
         Prior Plan 1999 Matching Account into any Investment Fund other than
         the Reliant Energy Common Stock Fund, as described in Attachment A
         hereto, except as provided in Section 8.2.

                  The Committee from time to time may revise the number and type
         of Investment Funds provided in Attachment A. Subject to such rules and
         procedures adopted by the Committee, each Participant shall have the
         right to direct the Committee or any agent appointed by the Committee
         to administer the investment of the Trust Fund to instruct the Trustee
         to invest his (i) Pre-Tax Contributions, (ii) After-Tax Contributions,
         (iii) Employer Contributions, (iv) amounts in his Prior Plan Accounts,
         and (v) Rollover Account, and the earnings and accretions thereon, in
         any whole percentages totaling 100% among the Investment Funds.

                  With no restrictions on frequency, each Participant may, by
         electronic, telephonic, written or other such manner as may be
         prescribed from time to time by the Committee and subject to any
         restrictions or conditions that may be established by the Committee,
         direct (1) the investment of his future (i) After-Tax Contributions,
         (ii) Pre-Tax Contributions and Employer Contributions, and (2) the
         transfer of the current values in his (i) After-Tax Contribution
         Account, (ii) Pre-Tax Contribution Account, (iii) Prior Plan Accounts,
         (iv) Employer Matching Account, (v) Profit Sharing Account, (vi) ESOP
         Account and/or (vii) Rollover Account among the various Investment
         Funds in any whole percentages totaling 100%. Any such change in
         Investment Funds shall be effective as soon as reasonably practicable
         following receipt of the change of Investment Funds, but in no event
         shall such change be effective earlier than the close of business on
         the Valuation Date on which such change is received. If a Participant
         fails to make a proper designation, then his Account shall be invested
         as soon as administratively feasible in the Investment Fund or Funds
         specified by the Committee from time to time in a uniform and
         nondiscriminatory manner.

                  Except as otherwise expressly provided herein, and subject to
         Section 6.5, interest, dividends and other income and all profits and
         gains produced by each

<PAGE>

         Investment Fund shall be paid in such Investment Fund, and such
         interest, dividends and other income, and profits or gains without
         distinction between principal and income, shall be invested and
         reinvested, but only in property of the class hereinabove specified for
         the particular Investment Fund. In making payments in respect of Exempt
         Loans, the Trustee shall utilize income and ESOP Contributions as is
         specified in Section 5.3 hereof; namely, that income shall be first
         used to fund principal payments and ESOP Contributions shall be first
         used to fund interest payments. All purchases of Company Stock shall be
         made at prices which, in the judgment of the Trustee, do not exceed the
         fair market value of such Company Stock. Pending such investment or
         application of cash, the Trustee may retain cash uninvested without
         liability for interest if it is prudent to do so, or may invest all or
         any part thereof in Treasury Bills, commercial paper, or like holdings.

                  It is hereby explicitly provided and expressly acknowledged
         that up to 100% of the assets of the Plan held in the Trust Fund may be
         invested in Common Stock, as contemplated by the exception provided in
         Section 407(b) of ERISA."

         10. Effective as of May 6, 2002, Section 8.2 of the Plan is hereby
amended to read as follows:

                  "8.2 Diversification Election: Each Qualified Participant (as
         defined herein) may elect, within 90 days after the close of each Plan
         Year in the initial election period (as defined herein), to direct the
         investment of up to 25% of the sum of the balances in the Participant's
         Reliant Employer Matching Account, ESOP Account and Prior Plan 1999
         Matching Account (to the extent such portion exceeds the amount to
         which a prior election to diversify under this Section 8.2(a) applies)
         into any or all Investment Funds (with the exception of the Reliant
         Energy Common Stock Fund, as applicable) and such diversification shall
         be made no later than as required under Code Section 401(a)(28). In the
         Plan Year after the initial election period, the percentage shall be
         50% instead of 25%. A Qualified Participant is any Participant who has
         completed at least 10 years of participation in the Plan and applicable
         Prior Plan and who has attained age 55. The initial election period
         means the five Plan Year period beginning with the first Plan Year on
         or after January 1, 1992 in which the Participant first became a
         qualified Participant."

                  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,
effective as of the dates specified above.

                                       6
<PAGE>

                                       BENEFITS COMMITTEE OF
                                       RELIANT ENERGY, INCORPORATED

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

ATTEST:

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

                                       7

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