Exhibit 10.2
                                      (Translation; Original Document in Hebrew)

Name of Partnership: AMPAL COMMUNICATIONS LIMITED PARTNERSHIP (the
"Partnership")

To:  Bank Leumi Le-Israel B.M.
     _______________ Branch                                       Date: ________

        Additional Terms and Conditions as an Annex to General Conditions
        for Opening an Account for Receiving Credits in Foreign Currency
                           (the General "Conditions")

1.   The ownership of MIRS Communication Co. Ltd. (the "Company") is held in the
     following proportions:

     (i)  67% - Motorola Communications Israel Ltd.; 
     (ii) 33% - the Partnership;

     as more particularly described in Appendix "A" attached hereto.

2.   The Credits to be given by the Bank are:

     (a)  US$36,400,000 on a non-recourse basis, save as mentioned hereunder in
          sub-clause (c) below;

     (b)  The Credits will be granted for a period of 10 years, with a grace
          period of 5 years for repayment of principal; repayment of principal
          during the last 5 years on an annual basis shall be as follows:

          6th year - 10% of the principal; 
          7th year - 15% of the principal; 
          8th -10th years - 25% of the principal each year.

     (c)  Interest on the Credits shall be at the rate of LIBOR + 0.8% p.a.,
          payable on an annual basis, on 31st March in each year, save that
          during the first 2 years, should the Company not pay a dividend
          sufficient to cover the interest payment, then the Partnership shall
          have the right not to pay any such installment of interest, the same
          being compounded and being payable on the last day of such 2-year
          period, the exercise of such right being subject to the Bank
          receiving, prior to the granting of the Credits, a guarantee from
          Ampal American Israel Corporation ("Ampal") and/or bank guarantees
          from the other partners in the Partnership, each being in text
          satisfactory to the Bank, to secure payment of such compounded
          interest. However, should such a dividend be declared, then that
          amount received in respect of the Shares, as defined in Clause 7 (a)
          hereunder, shall be used to pay such interest as has been so
          compounded.
<PAGE>

     (d)  US$32,000,000 out of the proceeds of the Credits shall be used to
          repay the temporary loan given to Ampal Communications Inc. by Bank
          Leumi USA, and the Partnership hereby gives to the Bank irrevocable
          instructions to make the necessary transfer.

3.   The balance of the amount required to purchase the Shares (as defined in
     Clause 7 (a) hereunder) has been provided to the Partnership by the
     individual partners, either by way of paid-up capital and/or subordinated
     owners' loans and/or by investment in the Partnership.

4.   Notwithstanding the provisions of Clause 2 (a) in the General Conditions,
     the Partnership shall be entitled to prepay the Credits or any part thereof
     subject to compliance by the Partnership with the following conditions:-

     (a) (i)   three years shall have passed since the granting of the Credits;
               or

         (ii)  the amount to be prepaid shall be out of dividends received by
               the Partnership on account of their Shares; or

         (iii) the amount prepaid shall be out of the proceeds of a public
               offering of shares in the Company.

     (b)  all amounts due from the Partnership in connection with the Credits at
          the date of intended repayment shall have been paid by the
          Partnership;

     (c)  any sum to be repaid shall not be less than US$1,000,000 (One Million
          United States Dollars);

     (d)  there is no impediment under law or requirement of the Bank of Israel
          preventing the Partnership from effecting such prepayment or the Bank
          from receiving the same;

     (e)  the Bank shall have received not less than 30 (thirty) days notice (or
          in the event of the amount being prepaid is less than US$5m., then not
          less than 5 banking days notice) of intended repayment of the Credits
          or such part thereof as is to be repaid as aforesaid, such notice
          (which shall, once actually received by the Bank, be irrevocable)
          shall specify such sum as is to be repaid and the date for such
          repayment which shall be a date prescribed for the payment of interest
          on the Credits; the Credits or any part thereof as is to be repaid as
          aforesaid, shall be repaid on the date specified in the said notice;

     (f)  notwithstanding the provisions contained in Paragraph (e) above, the
          Credits may be prepaid on a date which is not an interest payment date
          on condition that if at the date of such prepayment LIBOR for the
          period from such prepayment date to the end of the current interest
          period shall be less than LIBOR for the then current interest period,
          the Partnership shall pay by way of penalty an amount equal to the
          difference between such interest rates applied to the amount so
          prepaid for the period from such prepayment until the end of the
          current interest period;


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<PAGE>

     (g)  the amounts prepaid as aforesaid shall be appropriated towards the
          repayment of the principal of the Credits and such appropriation shall
          be made proportionately to each of the outstanding installments of
          principal;

     (h)  at the time of giving the notice referred to in sub-clause (e) above,
          the Partnership shall also confirm to the Bank that it intends to
          prepay a similar sum to Bank Hapoalim B.M. and shall include in such
          confirmation, if applicable, the terms under which it is to prepay
          such amount to Bank Hapoalim B.M., if such terms are more favorable
          than those referred to above. If the Bank cannot grant similar terms
          to the Partnership, then it shall inform the Partnership in writing
          accordingly, and the Partnership shall utilize the whole of the amount
          it intends to use for such prepayment (including those monies intended
          to be paid to the Bank) in prepaying the loan to Bank Hapoalim B.M.

5.   The Partnership hereby agrees with the Bank that so long as any part of the
     Credits remains outstanding to the Bank, they will not, without the
     previous written consent of the Bank:

     (a)  take loans from any third party whatsoever nor create any obligations,
          directly or indirectly, towards any third party whatsoever save such
          loans as may be necessary to enable them to fulfill their obligations
          towards Motorola Communications Israel Ltd. ("Motorola") contained in
          the Purchase and Sale Agreement dated 5th January 1998 and all its
          annexes made between Motorola and Ampal Communications Inc. (the "PS
          Agreement") and the Shareholders Agreement made between Motorola and
          the Partnership, dated 29th March 1998 (the "S Agreement") (the PS
          Agreement and the S Agreement hereinafter being jointly called the
          "Agreements"), provided nevertheless that any such loan shall be
          subordinated to the Credits, unsecured by the assets of the
          Partnership and also subject to a provision that the lender will have
          no right to take bankruptcy or like proceedings against the
          Partnership without the Bank's prior written consent; save that if the
          Partnership shall make additional investments in the Company and/or
          its shares by virtue of the provisions of the Agreements and/or any
          right or option of the Partnership granted thereby, then the
          Partnership shall be entitled to pledge, charge, or create, to a third
          party, those shares in the Company representing such additional
          investments in order to secure any obligation for repayment of the
          said investment by the Partnership or any such third party.

     (b)  grant loans to any third party whatsoever;

     (c)  subject to (a) above, become guarantor or security for any third party
          whatsoever, including any of the partners being a member of the
          Partnership;

     (d)  charge or assign any of the assets of the Partnership to any third
          party whatsoever other than those shares in the Company which
          represent one half of the shares held by the Partnership and that part
          of its rights under the Agreements which are to be charged to Bank
          Hapoalim B.M. as security for a loan in an amount equal to the Credits
          which are to be granted by the Bank to the Partnership;


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<PAGE>

      (e) distribute the profits of the Partnership or pay to any of the
          partners a management fee or other payment whatsoever or grant loans
          to its partners unless all payments of interest and principal of the
          Credits due on the date of such distribution or payment have been paid
          to the Bank on the due dates for payment thereof and there has been
          deposited and pledged to the Bank an amount equal to the installments
          of interest and principal of the Credits due to the Bank in the next
          12 months, and this provided that such distribution or payment is made
          from proceeds received in the ordinary course of business of the
          Company; save that dividends declared by the Company which are not to
          be paid out of profits made by it in the ordinary course of business,
          shall be used by the Partnership for prepayment of the Credits;

     (f)  during the first two years from the date hereof, the interest - either
          directly or indirectly - of Ampal in the Partnership, may be reduced
          to 70% and thereafter to 50%, save that in any event Ampal shall -
          either directly or indirectly - continue to own 75% of all rights in
          the general partner of the Partnership; any other change in the
          composition of the Partnership requires the prior written consent of
          the Bank, and any application for such consent shall be considered by
          the Bank in light of all the circumstances at that time.

6.   The Partnership shall ensure that so long as any part of the Credits
     remains outstanding:

     (a)  the Company shall fully observe the obligations as set out in Appendix
          "B" attached hereto.

     (b)  all the agreements between the Company and Motorola to operate the
          system and the services required (which shall continue to be granted
          by Motorola) will be on such terms as are contemplated in the PS
          Agreement.

     (c)  to notify the Bank of any material adverse change which has occurred
          or is likely to occur to the business operations or financial
          condition of the Company, immediately upon such event being known to
          them or the possibility of such event occurring.

     (d)  to take all steps to prevent declarations of dividends and/or payment
          of management fees by the Company if in its opinion the result thereof
          is likely to adversely affect the business of the Company and/or
          likely to cause an adverse change in the economic and/or financial
          situation of the Company.

     (e)  not to change or waive in a material manner the rights granted to the
          Partnership within the framework of the Agreements without receiving
          the Bank's prior written consent in writing.

     (f)  the loans received or to be received by the Partnership from Bank
          Hapoalim B.M. to enable it to purchase further shares in the Company,
          parallel with the Credits, will be on terms similar as to interest
          rate and repayment terms as the Credits received and/or to be received
          from the Bank.

7.   There shall serve as security for the repayment of the Credits:


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<PAGE>

     (a)  a first degree pledge in favour of the Bank, unlimited in amount, of
          5,500,000 cumulative participating preference shares with a nominal
          value of NIS. 1 each, held by the Partnership in the Company (the
          "Shares"). The Shares be deposited in a Securities Deposit Account
          opened for that purpose with the Bank.

     (b)  a charge by way of assignment of 50% of the rights of the Partnership
          against Motorola contained in the Agreements. - the Partnership
          confirms that no amendments have been made to the PS Agreement since
          the date thereof apart from Amendment No. 1 dated 22nd January 1998.

8.   The Bank shall be entitled to exercise the rights granted to it in Clause
     22 of the General Conditions on the occurrence of any of the events
     detailed in Clause 9 of the Pledge of Shares referred to in Clause 7 (a)
     above.

9.   The rights of the Partnership under this document are not assignable or
     transferable in any manner whatsoever to any third party and the
     Partnership may not disclose the contents of this document to any third
     party, without the prior written consent of the Bank.

10.  Should any of the partners in the Partnership wish to resign from the
     Partnership, then the Bank shall consider the possibility of releasing such
     partner from its obligations in respect of the Credits, subject to its
     prepaying such proportion of the Credits as corresponds to its proportion
     in its share of the Partnership.

11.  It is a condition of the granting of the Credits that the Bank receives a
     comfort letter signed by Ampal American Israel Corporation in the text
     annexed hereto, marked Appendix "C".

12.  Wherever the terms contained in these Additional Terms and Conditions shall
     be in conflict with the General Conditions, then the terms contained in
     these Additional Terms and Conditions shall prevail.

                             -----------------------
               signed by Ampal Communications Holding Company Ltd.
                      for and on behalf of the Partnership
                 as its General Partner and also in its own name


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