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                                                               EXHIBIT 10(u)(14)

                          RELIANT ENERGY, INCORPORATED
                                 RETIREMENT PLAN

               (As Amended and Restated Effective January 1, 1999)

                                Fourth Amendment

                  The Benefits Committee of Reliant Energy, Incorporated, having
reserved the right under Section 15.1 of the Reliant Energy, Incorporated
Retirement Plan, as amended and restated effective January 1, 1999 (the "Plan"),
to amend the Plan, does hereby amend the Plan, as follows:

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

                                  "ARTICLE XII

                                CLAIM PROCEDURES

                  12.1     Presenting Claims for Benefits: Any Member or any
         other person claiming under a deceased Member, such as the Spouse or
         Beneficiary, (collectively, the 'Applicant') may submit written
         application to the claims administrator 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 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;

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                  (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 12.2 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 12.2. 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.

                  12.2     Claims Review Procedure: If an application filed by
         an Applicant under Section 12.1 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 12.1, 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 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

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         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.

                  12.3     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."

                  2.       Effective as of January 1, 2001, the definition of
"Compensation" in Section 21.4(e) of the Plan is hereby amended to add the
following model language provided in Internal Revenue Service 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 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 Article XXI 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)."

                  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 MCCLANAHAN
                                                  ------------------------------
                                                  David McClanahan, Chairman
ATTEST:

/s/ LYNNE HARKEL-RUMFORD
---------------------------------
Lynne Harkel-Rumford, Secretary

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                                                               EXHIBIT 10(u)(15)

                          RELIANT ENERGY, INCORPORATED
                                 RETIREMENT PLAN

               (As Amended and Restated Effective January 1, 1999)

                                 Fifth Amendment

                  CenterPoint Energy, Inc., a Texas corporation, formerly
Reliant Energy, Incorporated (the "Company"), having reserved the right to amend
the Reliant Energy, Incorporated Retirement Plan, as amended and restated
effective January 1, 1999, and thereafter amended (the "Plan"), under Section
15.1 of the Plan, does hereby amend the Plan, effective as of the dates
specified herein, as follows:

                  1.       Effective as of August 31, 2002, the Plan is hereby
amended to provide that all references to "Reliant Energy, Incorporated" are
deleted and replaced in lieu thereof with "CenterPoint Energy, Inc." and the
definition of "Company" in Article I of the Plan is hereby amended to read as
follows:

                  "1.15    Company: CenterPoint Energy, Inc., a Texas
         corporation, or a successor to CenterPoint Energy, Inc., in the
         ownership of substantially all of its assets."

                  2.       Effective as of October 2, 2002, the Plan is hereby
renamed the CenterPoint Energy, Inc. Retirement Plan, with all references in the
Plan amended accordingly, and the definition of "Plan" in Article I of the Plan
is hereby amended to read as follow:

                  "1.44    Plan: The CenterPoint Energy, Inc. Retirement Plan,
         as amended and restated effective January 1,1999, including all
         subsequent amendments thereto."

                  3.       Effective as of October 2, 2002, the first sentence
in Section 16.1 of the Plan is hereby amended to delete the reference to
"Reliant Energy, Incorporated Master Retirement Trust" and replace in lieu
thereof with "CenterPoint Energy, Inc. Master Retirement Trust."

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                  4.       Effective as of November 15, 2002, Article VIII of
the Plan is hereby amended to add the following new Section 8.6 thereto:

                  "8.6     2002 Voluntary Early Retirement Program: A Member who
         is an 'Eligible VERP Employee' (as defined below) and who has attained
         at least age 55 and completed at least 20 years of Service as of
         December 31, 2002, may elect to participate in the 2002 Voluntary Early
         Retirement Program adopted by the Company on November 6, 2002 (the
         '2002 Program'). Any election to participate in the 2002 Program shall
         be made in writing between November 15, 2002 and December 31, 2002 (or
         within 45 days of receipt of the 2002 Program materials, including the
         related form of waiver and release, if later), and shall be in the form
         and manner prescribed by the Committee, including subsequent execution
         of said waiver and release, as a condition of eligibility for the 2002
         Program. Except as provided below, any Eligible VERP Employee who
         elects to participate in the 2002 Program shall voluntarily terminate
         his Service on December 31, 2002, or such earlier date after November
         14, 2002 but prior to December 31, 2002, as agreed to by the Employer
         and the Eligible VERP Employee (as applicable, the 'Termination Date')
         (or, as described below, voluntarily terminated his Service after
         August 31, 2002, but prior to November 15, 2002), and shall be eligible
         to elect to receive the 'Voluntary Early Pension' (as described below)
         in lieu of any other pension hereunder, which shall be payable in
         accordance with the provisions of Article XI (including the optional
         forms of payment), effective as of the Termination Date. Any Eligible
         VERP Employee who elects to participate in the 2002 Program and who, at
         the request of his Employer, elects to extend his Service beyond the
         Termination Date to a later termination date based on a specific
         business need of his Employer, shall receive the Voluntary Early
         Pension commencing no earlier than the first day of the month
         coincident with or next following his actual termination of Service and
         payable in accordance with the provisions of Article XI in effect as of
         such later date (with such later date, his Termination Date).

                  For purposes of this Section 8.6, an 'Eligible VERP Employee'
         is a Member who (i)(A) is an active Employee who is employed by Texas
         Genco, LP ('Texas Genco') on November 15, 2002, or (B) was an active
         Employee who voluntary terminated his employment with Texas Genco after
         August 31, 2002, but prior to November 15, 2002, (ii) is not (or was
         not as of his termination date) an officer of Texas Genco at the vice
         president level or above, and (iiii) is not subsequently employed by
         the Employer or any Affiliate prior to his Termination Date.

                  An Eligible VERP Employee who has elected to participate in
         the 2002 Program, subject to his execution and delivery without
         subsequent revocation of the waiver and release required under the 2002
         Program, shall be eligible to receive a Voluntary Early Pension
         commencing on his Termination Date equal to the normal or early
         retirement Pension for which the Member is eligible (or, in the case of
         an Eligible VERP Employee who is on Disability Leave of Absence,

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         would have been eligible had his employment continued through the
         period of disability and terminated on the Termination Date),
         calculated as set forth in Section 8.1 or 8.2, but adding three (3)
         deemed years to the Member's age and three (3) deemed years to the
         Member's Service for all purposes under the Plan (including for
         purposes of the Grandfathered Benefit under Section 7.6), other than
         Actuarial Equivalent calculations under Article XI.

                  For purposes of this Section 8.6, to the extent applicable, a
         Member's Compensation, as provided in Section 1.16, in effect on his
         Termination Date shall be deemed to continue unchanged during his
         deemed three (3) years of Service."

                  IN WITNESS WHEREOF, CenterPoint Energy, Inc. has caused these
presents to be executed by its duly authorized officer 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, on this 13th day of
November, 2002, but effective as of the dates stated herein.

                                    CENTERPOINT ENERGY, INC.

                                    By /s/ DAVID MCCLANAHAN
                                      ------------------------------------------
                                       David McClanahan
                                       President and Chief Executive Officer

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