Document:

September 25, 2001

From:    Dr. Hal Campbell, President
         Campbell and Associates

To:      Mr. Jeff Muller, CEO
         Save the World Air, Inc.

Subject: Letter of Agreement

1.       This letter of agreement is written to specify and confirm the terms
         and conditions of the consulting agreement between Campbell and
         Associates (Consultant) and Save the World Air Incorporated (Company),
         which is entered into on this date for a period of two years from the
         date of this agreement. It is acknowledged and agreed that no other
         conditions apply to this agreement and it is further acknowledged and
         agreed that remuneration for said services is irrevocable, however, if
         this Agreement is terminated prior to the expiration of the two year
         term by the Consultant, then the Consultant shall return to the Company
         the pro-rata amount of shares or options for the period during which
         the Consultant did not render any services. Should the Company elect to
         cancel or terminate this Agreement for any reason, it is understood and
         agreed that the Consultant shall retain ownership of the total amount
         of shares or options issued under this agreement and that the Company
         shall make no effort to revoke said shares or options.

2.       Pursuant to this agreement, it is acknowledged and agreed by the
         Company that consultant carries no professional licenses, and is not
         agreeing to act as a market maker or render legal advice or perform
         accounting services, nor act as an investment advisor or broker-dealer
         within the meaning of applicable state and federal securities laws. It
         is further acknowledged and agreed by the Company that the services to
         be provided to the Company are not considered to be rendered in
         connection with the offer and sale of Securities in a capital raising
         transaction. Consultant shall provide services to Company as an
         independent management consultant and subsequently shall make itself
         available to consult with the board of directors, employees and
         representatives and agents of the Company at reasonable times,
         concerning matters pertaining to the overall business operations of the
         Company, as well as the organizations of the administrative staff of
         the Company, the fiscal policy of the Company, and in general,
         concerning any problem of importance concerning the business affairs of
         the Company. Consultant will also assist in the coordination of
         activities and assist in the development and management of the
         Company's, worldwide web based systems. Under the terms of this section
         of the agreement, the Company will be granted ownership of all software
         and related intellectual assets developed by the Consultant in support
         of the web based systems for the Company.

3.       Consultant does not undertake as part of this Agreement to provide
         loans, investments or financing for the Company. Consultant will not
         perform any activities that could subject Consultant or Company to
         violations of Federal or applicable state securities law. Consultant is
         not engaged to act as agent, broker, underwriter, or market maker for
         the securities of the Company. Consultant further represents and
         warrants to the Company that neither Dr. Campbell nor Campbell and
         Associates are affiliates or employees of any underwriter, market
         maker, or broker.

4.       It is agreed that in remuneration for these services, Campbell and
         Associates will receive four hundred thousand shares of options for
         Save the World Air, Inc. (Symbol: ZERO), issued in the name of Harold
         G. Campbell (SSN# ###-##-####). These options are to be issued at an
         exercise price of .001 cents per share (the bid price per share as of
         April 19, 2001).

/s/ Dr. Harold G. Campbell                        /s/ Mr. Jeff Muller
------------------------------                    ------------------------------
Dr. Harold G. Campbell                            Mr. Jeff Muller, Chairman
Campbell and Associates                           Save the World Air, Inc<PAGE>

                                                                    Exhibit 10.1

                             Second Amendment to the
                                Credit Agreement
                           Dated as of August 8, 2001
                            (this "Second Amendment")

     Reference is hereby made to that certain Credit Agreement dated as of March
5, 2001, as amended by the First Amendment thereto dated as of May 22, 2001 (as
amended, the "Credit Agreement"), by and between Verizon Investments Inc., a
Delaware corporation (the "Lender") and Genuity Inc., a Delaware corporation
(the "Borrower" and together with the Lender, the "Parties"). Capitalized terms
used in this Second Amendment and not otherwise defined have the meaning
ascribed to them in the Credit Agreement.

              WHEREAS, the Parties desire to make certain amendments and
modifications to the terms of the Credit Agreement and to enter into certain
other agreements, all as specified in this Second Amendment.

              In consideration of the terms and conditions set forth in this
 Second Amendment, the Parties agree as follows:

1.   Facility. The Parties hereby amend and modify the "Facility" section of the
     --------
     Credit Agreement by deleting the reference to "$900,000,000 line of credit
     (the "Facility")" in its entirety and replacing it with the following:
     "$1,150,000,000 line of credit (the "Facility")."

2.   Interest Rate. The Parties hereby amend and modify the "Interest Rate"
     -------------
     section of the Credit Agreement by inserting after the phrase "200 basis
     points per annum" in the second line thereof the following: "for all
     amounts borrowed as long as the amounts borrowed do not exceed
     $1,000,000,000 and LIBO plus 225 basis points per annum for all amounts
     borrowed, once the amount borrowed is $1,000,000,000 or more but less than
     or equal to the greatest amount which may be borrowed under the Facility".

3.   Additional Covenants.
     --------------------

     (a)  The Parties hereby amend and modify the "Additional Covenants" section
          of the Credit Agreement by deleting the reference to "$900,000,000" in
          clause (a) thereof and replacing it with the following:
          "$1,150,000,000".

     (b)  The Parties hereby amend and modify the "Additional Covenants" section
          of the Credit Agreement by deleting the reference to "2.22:1" in
          clause (a) thereof and replacing it with the following: "1.74:1".

4.   Effectiveness. This Second Amendment shall become effective immediately
     -------------
     upon execution and delivery by Lender and the receipt by Lender of (a) a
     copy of this Second Amendment duly executed and delivered by Borrower, (b)
     a duly executed Master Promissory Note evidencing the amendments to the
     Credit Agreement referenced herein, and (c) copies of the documentation
     described under the "Documentation" section of the Credit Agreement as
     modified to reflect the amendments to the Credit Agreement referenced
     herein.

5.   Miscellaneous. This Second Amendment shall inure to the benefit of and be
     -------------
     binding upon the Parties, their successors and assigns. This Second
     Amendment may be executed in one or more counterparts, all of which shall
     be one and the same agreement. Irrespective of the place of performance,
     this Second Amendment shall be construed, interpreted and enforced in
     accordance with the laws of the

<PAGE>

     State of New York, without reference to its conflicts of law principles.
     This Second Amendment constitutes the entire agreement between the parties
     with respect to the subject matter hereof and merges and supersedes all
     prior and contemporaneous oral and written communications with respect
     hereto; provided, however, that it is the intent of the parties that this
     Second Amendment shall amend only the sections of the Credit Agreement
     specifically referred to herein. Except as otherwise specifically provided
     herein, all other sections of and Schedules and Exhibits to the Credit
     Agreement shall be unaffected hereby and shall remain in full force and
     effect according to their terms. The Credit Agreement and this Second
     Amendment shall be read and construed as one document.

     In witness whereof, the Parties hereto have caused this Second Amendment to
be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                       GENUITY INC.

                                       By:   /s/ W. Jack Reagan
                                          --------------------------------------

                                       Name:   W. Jack Reagan

                                       Title:  Vice President and Treasurer

                                       VERIZON INVESTMENTS INC.

                                       By:   /s/ Janet M. Garrity
                                          --------------------------------------

                                       Name:   Janet M. Garrity

                                       Title:  President and Treasurer<PAGE>

                                                                    Exhibit 10.2

                             Third Amendment to the
                                Credit Agreement
                         Dated as of September 28, 2001
                            (this "Third Amendment")

     Reference is hereby made to that certain Credit Agreement dated as of March
5, 2001, as amended by the First Amendment thereto dated as of May 22, 2001 and
the Second Amendment thereto dated as of August 8, 2001 (as so amended, the
"Credit Agreement"), by and between Verizon Investments Inc., a Delaware
corporation (the "Lender") and Genuity Inc., a Delaware corporation (the
"Borrower" and together with the Lender, the "Parties"). Capitalized terms used
in this Third Amendment and not otherwise defined have the meaning ascribed to
them in the Credit Agreement.

          WHEREAS, the Parties desire to make certain amendments and
modifications to the terms of the Credit Agreement and to enter into certain
other agreements, all as specified in this Third Amendment.

          In consideration of the terms and conditions set forth in this Third
Amendment, the Parties agree as follows:

1.   Facility. The Parties hereby amend and modify the "Facility" section of the
     --------
     Credit Agreement by deleting the reference to "$1,150,000,000 line of
     credit (the "Facility")" in its entirety, and replacing it with the
     following: "$2,000,000,000 line of credit (the "Facility")."

4.   Commitment Period. The Parties hereby amend and modify the "Commitment
     -----------------
     Period" section of the Credit Agreement by deleting the phrase "March 8,
     2001 to, but not including, December 31, 2001" in its entirety, and
     replacing it with the following: "March 8, 2001 to, but not including, the
     Termination Date (as such term is defined in the Five-Year Agreement)."

5.   Maturity Date. The Parties hereby amend and modify the "Maturity Date"
     -------------
     section of the Credit Agreement by deleting the reference to "December 31,
     2001 (the "Maturity Date") in its entirety, and replacing it with the
     following: "the Termination Date (as such term is defined in the Five-Year
     Agreement) (the "Maturity Date")."

6.   Availability. The Parties hereby amend and modify the "Availability"
     ------------
     section of the Credit Agreement by deleting the phrase "$200,000,000", and
     replacing it with the phrase "$100,000,000".

7.   Term of Borrowing. The Parties hereby amend and modify the "Term of
     -----------------
     Borrowing" section of the Credit Agreement by inserting after the word
     "beyond" in the second line thereof the following: "the first to occur of
     90 days and".

8.   Interest Rate. The Parties hereby amend and modify the "Interest Rate"
     -------------
     section of the Credit Agreement by deleting the phrase "for all amounts
     borrowed as long as the amounts borrowed do not exceed $1,000,000,000 and
     LIBO plus 225 basis points per annum for all amounts borrowed, once the
     amount borrowed is $1,000,000,000 or more but less than or equal to the
     greatest amount which may be borrowed under the Facility" in its entirety,
     and replacing it with the following: "during such time that the principal
     amount borrowed under the Facility shall be less than $1,000,000,000 and
     LIBO plus 225 basis points per annum during such time that the principal
     amount borrowed under the Facility shall equal or exceed $1,000,000,000".

9.   Payments. The Parties hereby amend and modify the "Payments" section of the
     --------
     Credit Agreement by deleting the last sentence thereof in its entirety, and
     replacing it with the following: "If any payment on any borrowing under the
     Facility is paid for whatever reason on a date other than the last day of
     the

<PAGE>

     interest period applicable thereto (a "Prepayment"), Borrower shall, upon
     demand by Lender, pay to Lender any amounts that would have been required
     to compensate Lender for any additional losses, costs or expenses that
     Lender would have incurred as a result of the Prepayment as if Lender had
     actually borrowed funds to lend to Borrower under the Facility in an amount
     equal to the amount of the Prepayment at a LIBO rate on the first day of
     the most recently-commenced interest period applicable to the Prepayment."

10.  Representations and Warranties. The Parties hereby amend and modify the
     ------------------------------
     "Representations and Warranties" section of the Credit Agreement by
     deleting clause (e) thereof in its entirety, and replacing it with the
     following: "The consolidated balance sheet of Borrower and its subsidiaries
     at December 31, 2000, and the related consolidated statements of income and
     cash flows of Borrower and its subsidiaries for the fiscal year then ended,
     accompanied by an opinion of Arthur Andersen LLP, independent public
     accountants, and the consolidated balance sheet of Borrower and its
     subsidiaries at June 30, 2001, and the related consolidated statements of
     income and cash flows of Borrower and its subsidiaries for the six months
     then ended, fairly present, subject, in the case of said balance sheets at
     June 30, 2001, and said statements of income and cash flows for the six
     months then ended, to year-end audit adjustments, the consolidated
     financial condition of Borrower and its subsidiaries at such dates and the
     consolidated results of the operations of Borrower and its subsidiaries for
     the periods ended on such dates, all in accordance with generally accepted
     accounting principles consistently applied."

11.  Additional Covenants.
     --------------------

     (c)  The Parties hereby amend and modify the "Additional Covenants" section
          of the Credit Agreement by deleting clause (a) thereof in its
          entirety, and replacing it with the following: "Borrower agrees to
          repay immediately or at such other time as shall be agreeable to
          Lender, all borrowings hereunder, and shall agree not to make
          additional borrowings hereunder, if Borrower shall receive written
          notification from Verizon stating that Verizon reasonably believes
          that continuing to act (through Lender) as Lender hereunder in
          accordance with the terms hereof would be contrary to any rule,
          regulation, order or requirement applicable to Verizon of or by a
          court or regulatory agency of competent jurisdiction and Lender
          provides Borrower with an opinion of outside legal counsel that
          regularly practices before such court or regulatory agency stating
          that, in the opinion of such legal counsel, Verizon's belief in such
          regard is reasonable under the circumstances; until such time as
          either (I) Lender shall notify Borrower that Verizon no longer
          maintains such belief or (II) the Facility shall have been amended by
          mutual consent of Lender and Borrower and following such amendment,
          Lender shall notify Borrower that Verizon no longer maintains such
          belief."

     (d)  The Parties hereby amend and modify the "Additional Covenants" section
          of the Credit Agreement by inserting the following sentence at the end
          of clause (b) thereof: "Notwithstanding the foregoing, this additional
          covenant shall not be deemed to apply to any capital markets
          transaction which is supported, directly or indirectly, by a letter of
          credit issued pursuant to the terms of the Five-Year Agreement."

10.  Effectiveness. This Third Amendment shall become effective immediately upon
     -------------
     execution and delivery by Lender and the receipt by Lender of (a) a copy of
     this Third Amendment duly executed and delivered by Borrower, (b) a duly
     executed Master Promissory Note evidencing the amendments to the Credit
     Agreement referenced herein, and (c) copies of the documentation described
     under the "Documentation" section of the Credit Agreement as modified to
     reflect the amendments to the Credit Agreement referenced herein.

11.  Miscellaneous. This Third Amendment shall inure to the benefit of and be
     -------------
     binding upon the Parties, their successors and assigns. This Third
     Amendment may be executed in one or more counterparts, all of which shall
     be one and the same agreement. Irrespective of the place of performance,
     this Third

<PAGE>

     Amendment shall be construed, interpreted and enforced in accordance with
     the laws of the State of New York, without reference to its conflicts of
     law principles. This Third Amendment constitutes the entire agreement
     between the parties with respect to the subject matter hereof and merges
     and supersedes all prior and contemporaneous oral and written
     communications with respect hereto; provided, however, that it is the
     intent of the parties that this Third Amendment shall amend only the
     sections of the Credit Agreement specifically referred to herein. Except as
     otherwise specifically provided herein, all other sections of and Schedules
     and Exhibits to the Credit Agreement shall be unaffected hereby and shall
     remain in full force and effect according to their terms. The Credit
     Agreement and this Third Amendment shall be read and construed as one
     document.

     In witness whereof, the Parties hereto have caused this Third Amendment to
be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                       GENUITY INC.

                                       By:    /s/ Daniel P. O'Brien
                                          --------------------------------------

                                       Name:  Daniel P. O'Brien

                                       Title: Executive Vice President and

                                              Chief Financial Officer

                                       VERIZON INVESTMENTS INC.

                                       By:    /s/ Janet M. Garrity
                                          --------------------------------------

                                       Name:  Janet M. Garrity

                                       Title: President and Treasurer

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