Document:

<PAGE>

                                                                Exhibit 4.2.2

                                   SECOND AMENDMENT dated as of April 24, 2001
                                   (this "Amendment"), to the Credit Agreement
                                          ---------
                                   dated as of April 3, 2000, as amended (the
                                   "Credit Agreement"), among CELLCO
                                    ----------------
                                   PARTNERSHIP, d/b/a Verizon Wireless
                                   ("Cellco"), BELL ATLANTIC MOBILE OF
                                     ------
                                   ROCHESTER, L.P., NEW YORK SMSA LIMITED
                                   PARTNERSHIP, SYRACUSE SMSA LIMITED
                                   PARTNERSHIP, the LENDERS party thereto, THE
                                   CHASE MANHATTAN BANK ("Chase") and CITIBANK,
                                                          -----
                                   N.A. ("Citibank"), as Co-Administrative
                                         --------
                                   Agents (in such capacity, the "Administrative
                                                                  --------------
                                   Agents", with each reference herein to the
                                   ------
                                   "Administrative Agent" in the singular
                                    --------------------
                                   meaning Chase), and Chase, as Funding Agent
                                   and Paying Agent.

        WHEREAS, the parties have entered into the Credit Agreement, pursuant
to which the Lenders have agreed to extend credit to the Borrowers (as defined
in the Credit Agreement) on the terms and subject to the conditions set forth
therein;

        WHEREAS, the Borrowers have requested that certain provisions of the
Credit Agreement be modified in the manner provided for in this Amendment, and
the undersigned Lenders are willing to agree to such modifications.

        NOW THEREFORE, for and in consideration of the premises and the mutual
covenants herein set forth and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the undersigned
parties hereby agree as follows:

        SECTION 1. Definitions. All capitalized terms used but not defined
                   -----------
herein shall have the same meanings herein as the Credit Agreement.

        SECTION 2. Amendment of Credit Agreement. The Credit Agreement is hereby
                   -----------------------------
amended by:

        (a) Amending the definition of "Consolidated Indebtedness" in Section
1.01 to read as follows:

                "Consolidated Indebtedness" means, at any date, all
                 -------------------------
Indebtedness (including all Capitalized Lease Obligations) of Cellco and its
consolidated Subsidiaries at such date to the extent such Indebtedness should be
reflected on a consolidated balance sheet of Cellco at such date in accordance
with GAAP; provided, however, that the term 'Consolidated Indebtedness' shall
           --------  -------
not include any Indebtedness of Cellco to (i) Verizon Communications Inc. or any
subsidiary thereof or (ii) Vodafone Group plc. or any subsidiary thereof, in the
case of both clauses (i) and (ii) evidenced and governed by one or more
Subordinated Intercompany Notes (and by no other agreements or instruments)."

        (b) Adding a new definition to Section 1.01, to be inserted in
appropriate alphabetical order, as follows:

                 "Subordinated Intercompany Note" means a note made by Cellco in
                  ------------------------------
favor or (i) Verizon Communications Inc. or any subsidiary thereof or (ii)
Vodafone Group plc or any subsidiary thereof, in the case of both clauses (i)
and (ii) in the form of Exhibit E hereto (including Attachment I to such
Exhibit E)."

<PAGE>

                                                                               2

        (c) Adding a new Exhibit E to the Credit Agreement in the form attached
as Exhibit E hereto.

        SECTION 3. Representations and Warranties. Each Borrower, individually
                   ------------------------------
and soley on behalf of itself, represents and warrants to the Administrative
Agent on behalf of the Lenders as of the date hereof as follows:

      (a) Immediately before and after giving effect to this Amendment, the
representations and warranties set forth in the Credit Agreement are true and
correct as of the date hereof.

      (b) Immediately before and after giving effect to this Amendment, no Event
of Default or Default has occurred and is continuing.

      (c) The execution, delivery and performance by each of Borrowers of this
Amendment have been duly authorized by all necessary corporate or partnership
action and do not and will not require any consent or approval of, registration
or filing with, or any other action by, any Person (including any Governmental
Authority) in order to be effective and enforceable. The Credit Agreement as
amended by this Amendment constitutes the legal, valid and binding obligation of
each of the Borrowers, enforceable in accordance with its terms, subject to
applicable bankruptcy, insolvency, reorganization, moratorium or other laws
affecting creditors' rights generally and subject to general principles of
equity, regardless of whether considered in a proceeding in equity or at law.

        SECTION 4. Conditions to Effectiveness. This Amendment shall become
                   ---------------------------
effective when the Administrative Agent shall have received counterparts hereof
signed by the Borrowers and the Required Lenders.

        SECTION 5. Credit Agreement. Except as specifically stated herein, the
                   ----------------
Credit Agreement shall continue in full force and effect in accordance with the
provisions thereof. As used therein, the terms "Agreement", "herein",
"hereunder", "hereto", "hereof" and words of similar import shall, unless the
context otherwise requires, refer to the Credit Agreement as modified hereby.

        SECTION 6. Counterparts. This Amendment may be executed in any number of
                   ------------
counterparts and by different parties hereto on separate counterparts, each of
which when so executed and delivered shall be deemed an original, but all such
counterparts together shall constitute but one and the same instrument. Delivery
of an executed counterpart of a signature page of this Amendment by facsimile
transmission shall be as effective as delivery of a manually executed
counterpart hereof.

        SECTION 7. Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND
                   --------------
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

<PAGE>

        IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed by their duly authorized officers, all as of the date and year
first above written.

CELLCO PARTNERSHIP, d/b/a VERIZON WIRELESS,

   by  /s/ Edward Langston
      ----------------------------------
      Name:   Edward Langston
      Title:  Vice President and Chief
              Financial Officer

BELL ATLANTIC MOBILE OF ROCHESTER, L.P.,

by Upstate Cellular Network, its General Partner,

by Cellco Partnership, d/b/a Verizon Wireless,
its General Partner,

  by  /s/ Edward Langston
     -----------------------------------
     Name:   Edward Langston
     Title:  Vice President and Chief
             Financial Officer

NEW YORK SMSA LIMITED PARTNERSHIP,

by Cellco Partnership, d/b/a Verizon Wireless,
its General Partner,

  by  /s/ Edward Langston
     -----------------------------------
     Name:   Edward Langston
     Title:  Vice President and Chief
             Financial Officer

SYRACUSE SMSA LIMITED PARTNERSHIP,

by Upstate Cellular Network,
its General Partner

by Cellco Partnership, d/b/a Verizon Wireless,
its General Partner and Manager,

  by  /s/ Edward Langston
     -----------------------------------
     Name:   Edward Langston
     Title:  Vice President and Chief
             Financial Officer

<PAGE>

THE CHASE MANHATTAN BANK, individually and
as Co-Administrative Agent, Funding
Agent and Paying Agent,

    by  /s/ Constance M. Coleman
       -----------------------------------
       Name:  Constance M. Coleman
       Title: Vice President

CITIBANK, N.A., as Co-Administrative Agent,

    by  /s/ Maureen Maroney
       -----------------------------------
       Name:  Maureen Maroney
       Title: Vice President
<PAGE>

                                                               SIGNATURE PAGE to
                                                                SECOND AMENDMENT
                                                   DATED AS OF APRIL 24, 2001 to
                                             CELLCO PARTNERSHIP CREDIT AGREEMENT

                        To approve the Second Amendment:

                        Name of Institution: FIRST UNION NATIONAL BANK
                                            ---------------------------

                                                 by  /s/ F.M. Wessinger
                                                    ----------------------------
                                                    Name:  F.M. Wessinger
                                                    Title: Senior Vice President
<PAGE>

                                                               SIGNATURE PAGE to
                                                                SECOND AMENDMENT
                                                   DATED AS OF APRIL 24, 2001 to
                                             CELLCO PARTNERSHIP CREDIT AGREEMENT

                        To approve the Second Amendment:

                        Name of Institution:   National Australia Bank
                                             ---------------------------

                                               by  /s/ Bruce T. Richards
                                                  -------------------------
                                                  Name:    BRUCE T. RICHARDS
                                                  Title: SENIOR VICE PRESIDENT
<PAGE>

                                                               SIGNATURE PAGE to
                                                                SECOND AMENDMENT
                                                   DATED AS OF APRIL 24, 2001 to
                                             CELLCO PARTNERSHIP CREDIT AGREEMENT

                        To approve the Second Amendment:

                        Name of Institution:   Toronto Dominion (Texas) Inc.
                                             --------------------------------

                                               by     /s/ Carol Brandt
                                                  -------------------------
                                                  Name:    CAROL BRANDT
                                                  Title:  VICE PRESIDENT

<PAGE>

                                                                       EXHIBIT E

                                    FORM OF
                        SUBORDINATED INTERCOMPANY NOTE

THE INDEBTEDNESS EVIDENCED BY THIS INSTRUMENT IS SUBORDINATED AS PROVIDED HEREIN
AND IN ATTACHMENT I HERETO, WHICH IS INCORPORATED BY REFERENCE HEREIN AND MADE A
PART HEREOF, TO THE OBLIGATIONS OF THE BORROWERS (AS DEFINED IN THAT CERTAIN
CREDIT AGREEMENT DATED AS OF APRIL 3, 2000, AMONG CELLCO PARTNERSHIP, BELL
ATLANTIC MOBILE OF ROCHESTER, L.P., NEW YORK SMSA LIMITED PARTNERSHIP, SYRACUSE
SMSA LIMITED PARTNERSHIP, THE LENDERS PARTY THERETO, THE CHASE MANHATTAN BANK
("CHASE") AND CITIBANK, N.A. ("CITIBANK"), AS CO-ADMINISTRATIVE AGENTS (IN SUCH
  -----                        --------
CAPACITY, THE "ADMINISTRATIVE AGENTS", WITH EACH REFERENCE HEREIN TO THE
               ---------------------
"ADMINISTRATIVE AGENT" IN THE SINGULAR MEANING CHASE), AND CHASE, AS FUNDING
 --------------------
AGENT AND PAYING AGENT (AS AMENDED FROM TIME TO TIME, THE "CREDIT AGREEMENT").
                                                           ----------------

                        SUBORDINATED INTERCOMPANY NOTE

$________________                                          ____________, __ 20__

           FOR VALUE RECEIVED, the undersigned, Cellco Partnership, a Delaware
general partnership (the "Issuer"), promises to pay to the order of
                          ------
______________, a _______________ (hereinafter, together with its successors and
assigns, called the "Subordinated Lender"), at the office of the Subordinated
                     -------------------
Lender or such other place as the Subordinated Lender may designate in writing
to the Issuer, the principal sum of ______________ DOLLARS ($_______________) of
United States fund, plus interest as hereinafter provided (such amounts,
                    ----
collectively, being the "Subordinated Loan").
                         -----------------

           All principal, interest and other obligations outstanding hereunder
shall be due and payable on demand, subject, however, to the subordination
provisions set forth herein and in Attachment I hereto. Interest on the
Subordinated Loan shall accrue at [                  ].

           The provisions of Attachment I hereto are incorporated by reference
herein and made a part hereof as if set forth herein.

           This Subordinated Intercompany Note may not be assigned to any person
(i) by the Issuer without the prior written consent of the Subordinated Lender
or (ii) by the Subordinated Lender other than to Verizon Communications Inc.,
Vodafone Group plc, or any of their respective subsidiaries.

           THIS SUBORDINATED INTERCOMPANY NOTE SHALL BE CONSTRUED IN ACCORDANCE
WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO
CONFLICTS OF LAW.
<PAGE>

                                                                               2

           IN WITNESS WHEREOF, a duly authorized representative of the Borrower
has executed this Subordinated Intercompany Note as of the day and year first
above written.

                                        CELLO PARTNERSHIP, d/b/a VERIZON
                                        WIRELESS,

                                             by
                                               --------------------------
                                               Name:
                                               Title:

ACCEPTED AND AGREED TO AS
OF THE DATE FIRST WRITTEN
ABOVE.

-------------------------

by:----------------------
   Name:
   Title:
<PAGE>

                                                                ATTACHMENT I to
                                                  SUBORDINATED INTERCOMPANY NOTE

                           SUBORDINATION PROVISIONS

        Reference is made to the Subordinated Intercompany Note to which this
Attachment I is affixed made by CELLCO PARTNERSHIP, d/b/a VERIZON WIRELESS (the
"Issuer"), in favor of_______________________ (the "Subordinated Lender").
 ------                                             -------------------
Capitalized terms used and not otherwise defined herein shall have the meanings
assigned to such terms in the Subordinated Intercompany Note or in the Credit
Agreement referred to in the Subordinated Intercompany Note. References herein
to the "Administrative Agent" or to "Lenders" mean, respectively, the
        --------------------         -------
Administrative Agent or Lenders under the Credit Agreement. Reference to the
"Subordinated Lender" shall include the successors and assigns of the
Subordinated Lender, each of which, by accepting the Subordinated Intercompany
Note, shall be deemed to have agreed to the provisions of this Agreement.

        The Lenders have agreed to make Loans to the Borrowers pursuant to, and
upon the terms and subject to the conditions specified in, the Credit Agreement.
The Subordinated Lender has agreed to extend intercompany credit to the Issuer
pursuant to, and upon the terms specified in, the Subordinated Intercompany Note
(all obligations in respect of the Subordinated Intercompany Note being
collectively called the "Subordinated Obligations"). The obligations of the
                         ------------------------
Lenders to make Loans under the Credit Agreement are conditioned upon, among
other things, the subordination of the Subordinated Obligations on the terms
set forth in this Attachment I, and the Subordinated Lender by acceptance of
the Subordinated Intercompany Note agrees (for itself and its successors and
assigns) to subordinate its rights in respect of the Subordinated Obligations
to the rights of the Lenders under the Credit Agreement, all on the terms set
forth herein.

        1. Subordination. (a) The Subordinated Lender hereby agrees that all
           -------------
its right, title and interest in and to the Subordinated Obligations shall be
subordinate and junior in right of payment to the obligations of the Borrowers
under the Credit Agreement, including principal, premium (if any), interest
(including interest accruing on or after the filing of any petition in
bankruptcy or for reorganization relating to any Borrower or any Subsidiary
whether or not a claim for such interest is allowed or allowable in any such
proceedings), fees, charges, expenses, reimbursement and indemnity obligations,
Guarantees and all other amounts payable thereunder or in respect thereof
(collectively, the "Senior Obligations").
                    ------------------

        (b) The Subordinated Lender agrees that no payment (whether directly,
by purchase, redemption, defeasance or exercise of any right of setoff or
otherwise) in respect of the Subordinated Obligations, whether as to principal,
interest or otherwise, and whether in cash, securities or property, shall be
made by or on behalf of the Issuer or received, accepted or demanded, directly
or indirectly, by or on behalf of the Subordinated Lender unless and until all
Senior Obligations have been indefeasibly paid in full in cash to the Lenders,
except that (i) the Issuer may at any time pay in full the Subordinated
Obligations with the net proceeds of an initial public offering, or other sale
or disposition permitted by the Credit Agreement, of equity interests of the
Issuer and (ii) payments of interest under the Subordinated Intercompany Note
may be made when due and payable, and the Subordinated Lender may receive,
accept and demand such payments, provided that (A) at the time each such payment
                                 --------
is made no Default or Event of Default exists or would result from such payment
under the Credit Agreement and (B) each such payment of interest shall not be
paid in cash but shall be payable soley through the issuance by the Issuer of
additional subordinated intercompany notes in the form of the Subordinated
Intercompany Note in an aggregate principal amount equal to the amount of such
interest payment and interest thereon shall be payable in like manner.

        (c) Upon any dissolution, winding up, liquidation or reorganization of
the Issuer, whether in bankruptcy, insolvency, reorganization, arrangement or
receivership proceedings or otherwise, or upon any assignment for the benefit of
creditors or any other marshaling of the assets and liabilities of the Issuer:
<PAGE>

                (i) the Lenders shall first be entitled to receive indefeasible
        payment in full in cash of the Senior Obligations (whenever arising)
        before the Subordinated Lender shall be entitled to receive any payment
        on account of the Subordinated Obligations, whether of principal,
        interest or otherwise; and

                (ii) any payment by or on behalf of, or distribution of the
        assets of, the Issuer of any kind or character, whether in cash,
        property or securities, to which the Subordinated Lender would be
        entitled but for the provisions of this Section 1 shall be paid or
        delivered by the person making such payment or distribution (whether a
        trustee in bankruptcy, a receiver, custodian or liquidating trustee or
        otherwise) directly to the Administrative Agent under the Credit
        Agreement, for the benefit of the Lenders under the Credit Agreement,
        until the indefeasible payment in full of all Senior Obligations.

The Subordinated Lender agrees not to ask, demand, sue for or take or receive
from the Issuer in cash or other property or by setoff, purchase or redemption
(including, without limitation, from or by way of collateral), payment of all or
any part of the Subordinated Obligations and agrees that in connection with any
proceeding involving the Issuer under any Federal or state bankruptcy,
insolvency, receivership or similar law the Subordinated Lender shall duly and
promptly take such action as the  Administrative Agent may reasonably deem
necessary or advisable for the exercise or  enforcement of any of the rights
or interest of the Lenders with respect to the Senior Obligations, which
action is requested by written notice, to (A) collect amounts in respect of
the Subordinated Obligations for the account of the Lenders and to file
appropriate claims or proofs of claim in respect of the Subordinated
Obligations, (B) execute and deliver to the Administrative Agent such
irrevocable powers of attorney, assignments or other instruments as the
Administrative Agent may request in order to enable the Administrative Agent to
enforce any and all claims with respect to, and any security interests and other
liens securing payment of, the Subordinated Obligations and (C) collect and
receive any and all payments or distributions which may be payable or
deliverable upon or with respect to the Subordinated Obligations. A copy of
these subordination provisions may be filed with any court as evidence of the
Lenders' right, power and authority hereunder.

        (d) In the event that any payment by or on behalf of, or distribution of
the assets of, the Issuer of any kind or character, whether in cash, property or
securities, and whether directly, by purchase, redemption, exercise of any right
of setoff or otherwise, shall be received by or on behalf of the Subordinated
Lender or any Affiliate thereof at a time when such payment is prohibited by
these subordinated provisions, such payment or distribution shall be held by the
Subordinated Lender in trust (segregated from other property of the Subordinated
Lender) for the benefit of, and shall forthwith be paid over to, the
Administrative Agent under the Credit Agreement, for the benefit of the Lenders
under the Credit Agreement, until the indefeasible payment in full in cash of
all Senior Obligations.

        (e) Subject to the prior indefeasible payment in full in cash of the
Senior Obligations, the Subordinated Lender shall be subrogated to the rights of
the Lenders to receive payments or distributions in cash, property or securities
of the Issuer applicable to the Senior Obligations until all amounts owing on
the Senior Obligations shall be indefeasibly paid in full in cash, and, for
purposes of such subrogation, as between and among the Issuer and its creditors
other than the Subordinated Lender, on the one hand, and the Subordinated
Lender, on the other hand, no such payment or distribution made to the Lenders
by virtue of these subordination provisions that otherwise would have been made
to the Subordinated Lender shall be deemed to be a payment by the Issuer on
account of the Senior Obligations.

        (f) Without the prior written consent of the Administrative Agent, the
Issuer will not give, or permit to be given, and the Subordinated Lender will
not receive, accept or demand, (i) any security of any nature whatsoever for any
Subordinated Obligations on any property or assets, whether now existing or
hereafter acquired, of the Issuer or any Affiliate of the Issuer or

<PAGE>

(ii) any Guarantee, of any nature whatsoever, by the Issuer or any Affiliate of
the Issuer, of any Subordinated Obligations.

     (g) The Subordinated Lender agrees that, except (i) for claims submitted in
any proceeding contemplated by Section 1(c) hereof and (ii) if all the
outstanding Loans under the Credit Agreement have been declared due and payable
prior to the final maturity thereof, it will not take any action to cause any
Subordinated Obligations to become payable or exercise any remedies or take any
action or proceeding to enforce any Subordinated Obligation if the payment of
such Subordinated Obligation is then prohibited by these subordination
provisions, and the Subordinated Lender further agrees not to file, or to join
with any other creditors of the Issuer in filing, any petition commencing any
bankruptcy, insolvency, reorganization, arrangement or receivership proceeding
or any assignment for the benefit of creditors against or in respect of the
Issuer or any other marshaling of the assets and liabilities of the Issuer
(provided, that this prohibition shall in no event be construed so as to limit
 --------
the Subordinated Lender's right to cause any Subordinated Obligations to become
payable prior to their scheduled maturity if all the outstanding loans under the
Credit Agreement have been declared due and payable prior to the final maturity
thereof). The Subordinated Lender further agrees, to the fullest extent
permitted under applicable law, that it will not cause the Issuer to file any
such petition, commence any such proceeding or make any such assignment referred
to above until all Senior Obligations have been indefeasibly paid in full in
cash.

     2. Waiver and Consents. (a) The Subordinated Lender agrees that it shall
        -------------------
not be discharged, exonerated or have its obligations hereunder to the Lenders
reduced by any Lender's delay in proceeding against or enforcing any remedy
against the Issuer, any collateral or any guarantor of the Senior Obligations or
any other person; by any Lender releasing the Issuer, any collateral or any
guarantor of the Senior Obligations or any other person from all or any part of
the Senior Obligations; or by the discharge of the Issuer, any collateral or any
guarantor of the Senior Obligations or any other person by an operation of law
or otherwise, with or without the intervention or omission of a Lender. Any
Lender's vote to accept or reject any plan or reorganization relating to the
Issuer, any collateral or any guarantor of the Senior Obligations or any other
person, or any Lender's receipt on account of all or part of the Senior
Obligations of any cash, property, or securities distributed in any bankruptcy,
reorganization, or insolvency case, shall not discharge, exonerate, or reduce
the obligations of the Subordinated Lender hereunder to the Lenders.

     (b) The Subordinated Lender agrees that, without the necessity of any
reservation of rights against it, and without notice to or further assent by it,
any demand for payment of any Senior Obligations made by a Lender may be
rescinded in whole or in part by the Lender, and any Senior Obligation may be
continued, and the Senior Obligations, or the liability of the Issuer or any of
the Subsidiaries of the Issuer or any other guarantor or any other party upon or
for any part thereof, or any collateral or guarantee therefor or right of offset
with respect thereto, may, from time to time, in whole or in part, be renewed,
extended, modified, accelerated, compromised, waived, surrendered, or released
by the Lenders, in each case without notice to or further assent by the
Subordinated Lender, which will remain bound under these subordination
provisions and without impairing, abridging, releasing or affecting the
subordination provided for herein.

     (c) The Subordinated Lender waives any and all notice of the creation,
renewal, extension or accrual of any of the Senior Obligations and notice of or
proof of reliance by the Lenders upon these subordination provisions. The Senior
Obligations, and any of them, shall be deemed conclusively to have been
created, contracted or incurred and the consent given to create the obligations
of the Issuer in respect of the Subordinated Obligations in reliance upon these
subordination provisions, and all dealings between the Issuer and the
Subsidiaries and the Lenders shall be deemed to have been consummated in
reliance upon these subordination provisions. The Subordinated Lender
acknowledges and agrees that the Lenders have relied upon the subordination
provided for herein in consenting to the Subordinated Obligations. The
Subordinated Lender

<PAGE>

                                                                         6

waives notice of or proof of reliance on these subordination provisions and
protest, demand for payment and notice of default.

        3. Senior Obligations Unconditional. All rights and interests of the
           --------------------------------
Lenders hereunder, and all agreements and obligations of the Subordinated Lender
and the Issuer hereunder, shall remain in full force and effect irrespective of:

        (a) any lack of validity or enforceability of the Credit Agreement or
any other "Loan Document" under the Credit Agreement;

        (b) any change in the time, manner or place of payment of, or in any
other term of, all or any of the Senior Obligations, or any amendment or waiver
or other modification, whether by course of conduct or otherwise, of, or consent
to departure from, the Credit Agreement or any other Loan Document under the
Credit Agreement;

        (c) any exchange, release or nonperfection of any Lien in any collateral
of the Issuer, or any release, amendment, waiver or other modification, whether
in writing or by course of conduct or otherwise, of or consent to departure
from, any Guarantee of any of the Senior Obligations; or

        (d) any other circumstances that night otherwise constitute a defense
available to, or a discharge of, either Issuer or any of the Subsidiaries in
respect of the Senior Obligations, or of the Subordinated Lender or the Issuer
in respect of these subordination provisions.

        4.  Further Assurances. The Subordinated Lender the Issuer, at their own
            ------------------
expense and at any time from time to time, upon the written request of the
Lenders will promptly and duly execute and deliver such further instruments and
documents and take such further actions as any Lender reasonably any request for
the purposes of obtaining or preserving the full benefits of these subordination
provisions and of the rights and powers herein granted.

        5.  Provisions Define Relative Rights. These subordination provisions
            ---------------------------------
are intended solely for the purpose of defining the relative rights of the
Lenders on the one hand and the Subordinated Lender on the other, and no other
person shall have any right, benefit or other interest under these subordination
provisions.

        6.  Powers Coupled with an Interest. All powers, authorizations and
            -------------------------------
agencies contained in these subordination provisions are coupled with an
interest and are irrevocable until the Senior Obligations are indefeasibly paid
in full in cash.

        7.  Notices. All notices, requests and demands to or upon any party
            -------
hereto shall be in writing and shall be given in the manner provided in Section
10.01 of the Credit Agreement. The notice information address for the
Subordinated Lender is: [        ]; and the notice information address for the
Issuer is: Cellco Partnership, 180 Washington Valley Road, Bedminster, New
Jersey 07921, Attention of Chief Financial Officer, with a copy to Associate
General Counsel, Business Development and Finance (Telecopy No. (908) 306-7766)
and a copy to Verizon Global Funding Corp., Attention of Chief Financial Officer
(Telecopy No. (302) 761-4229).

        8.  Severability. Any provison of these subordination provisions which
            ------------
is prohibited or unenforceable in any jurisdiction shall, as to such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and any
such prohibition or unenforceability in any jurisdiction shall not invalidate or
render unenforceable such provison in any other jurisdiction.
<PAGE>

                                                                             7

        9. Amendments in Writing; No Waiver; Cummulative Remedies. (a) None of
           ------------------------------------------------------
the terms or provisions of these subordination provisions may be waived,
amended, supplemented or otherwise modified except by a written instrument
executed by each Administrative Agent, the Issuer and the Subordination Lender;
provided that any provision of these subordination provisions may be waived by
--------
the Lenders in a letter or agreement executed by each Lender or by facsimile
transmission from each Lender.

       (b) No failure to exercise, nor any delay in exercising, on the part of
the Lenders, any right, power or privilege hereunder shall operate as a waiver
thereof. No single or partial exercise of any right, power or privilege
hereunder shall preclude any other or further exercise thereof or exercise of
any other right, power or privilege.

       (c) The rights and remedies herein provided are cumulative, may be
exercised singly or concurrently and are not exclusive of any other rights or
remedies provided by law.

       10. Section Headings. The section headings used in these subordination
           ----------------
provisions are for convenience of reference only and are not to affect the
construction hereof or be taken into consideration in the interpretation hereof.

       11. Successors and Assigns. These subordination provisions shall be
           ----------------------
binding upon the successors and assigns of each of the Issuer and the
Subordinated Lender and shall inure to the benefit of the Lenders and their
respective successors and assigns.<PAGE>

                                                                    EXHIBIT 10.9

                      BELL ATLANTIC STOCK OPTION PROGRAM

                                      --

                  TERMS AND CONDITIONS OF YOUR STOCK OPTIONS

                                      --

Effective November 1, 1998, this document provides the terms and conditions of
all your outstanding options, including terms and conditions contained in
previously issued stock option certificates and stock option agreements, all of
which certificates and agreements are superceded and replaced with respect to
your outstanding options by this document. Each option is subject to the terms
and conditions of the plan, to the terms, conditions and administrative rules
in this document and to other administrative rules adopted by the plan
administrator from time to time. Certain italicized words used in this document
refer to option characteristics specified in Your Personalized Stock Option
Statement. Other italicized words used in this document are defined in P. 7(a),
below. To the extent that you have not already expressly agreed to and accepted
any of the terms and conditions provided in this document, you shall be deemed
to have agreed to and accepted such terms and conditions upon your submission
of a notice-of-exercise form to the plan administrator.

                                      --

CONTENTS

1.  Earliest Date for Exercising Options.

2.  When Options Expire.

3.  How to Exercise Options.

4.  Post-Exercise Requirements.

5.  Option Transfer Restrictions.

6.  Automatic Conversion of Incentive Stock Options to Nonstatutory Stock
    Options.

7.  Definitions and Other Rules.
<PAGE>

1.  Earliest Date for Exercising Options. Generally, an option may be exercised
on or after the first to occur of (i) its stated exercise date, (ii) the date
of your retirement or disability separation, or (iii) the date of your
qualified separation. However, if both the grant date and the stated exercise
date of an option occur during a leave of absence, then (x) the earliest date
for exercising the option shall be the date you return to active service, and
(y) if the option expires under P. 2 before you return to active service, then
the option shall never be exercisable.

2.  When Options Expire.  An option shall expire upon the first to occur of:

     (a) the expiration date of the option;

     (b) the fifth anniversary of the date of your retirement or disability
separation;

     (c) after your qualified separation, (i) if the separation occurs before
January 1, 2000, and you furnish a written legal release in a form approved by
the plan administrator, the fifth anniversary of the separation date, or (ii)
otherwise, if (b) does not apply by reason of your retirement or your
disability separation, the 90th day after the separation date;

     (d) the date of your other separation;

     (e) if you die before the earliest date for exercising such option as
determined under P. 1, the date of your death;

     (f) if you die on or after the earliest date for exercising the option as
determined under P. 1, the first anniversary of the date of your death.

3.  How to Exercise Options.

     (a) In General. All options may be exercised for cash as provided in P.
         3(b) below.

     Exception -- Stock-For-Stock Eligible Options: Options designated as
     stock-for-stock eligible may also be exercised by stock-for-stock exercise
     as provided in P. 3(c) below.

         (1) When Exercise Is Permitted. No option may be exercised before the
earliest date determined under P. 1, or after such option expires as determined
under P. 2. An option may be exercised only on a business day on which BEL
shares are traded on the NYSE.

     (2) When Exercise Is Deemed to Be Made. An option shall be deemed
exercised on the business day, referred to here as the exercise date, that the
notice-of-exercise form is received by the plan administrator, as evidenced by
the date stated on the written acknowledgment provided by the plan
administrator.

     (3) Who May Exercise. Before your death, only you may exercise your
options. Options may not be exercised by any person pursuant to any involuntary
transfer by garnishment, execution, lien or the like. After your death, your
designated beneficiary, if you have one, may exercise your options. If you have
no designated beneficiary and your will expressly names a person or persons to
exercise your options, then the designated person or persons may exercise your
options. Otherwise, the executor or administrator for your residuary estate may
exercise your options.
<PAGE>

     (4) Minimum Exercise Amount. No less than 100 options may be exercised at
a time unless the total number of options outstanding is less than 100, in
which case all outstanding options must be exercised simultaneously.

     (5) Election to Satisfy Withholding Tax Obligations. A notice-of-exercise
form may direct the plan administrator to satisfy all withholding tax
obligations arising from an option exercise by reducing the number of BEL
shares which would otherwise be transferred by reason of the exercise.

     (6) Election to Title BEL Shares. You may elect to have the acquired BEL
share certificates titled either in your name or in the name of yourself and
another person as joint tenants with the right of survivorship (or in a "street
name" arrangement with a broker who holds the BEL shares in an account which is
so owned) or, if you are exercising nonstatutory stock options, you may elect
to have the acquired BEL share certificates titled solely in the name of a
person other than yourself.

     (7) Simultaneous Cash and Stock-for-Stock Exercises. An exercise of
options for cash may be effected simultaneously with a stock-for-stock exercise
of other options, so long as the cash exercise complies with P. 3(b) and the
stock-for-stock exercise complies with P. 3(c).

     (b) Cash Exercise. The exercise of options for cash shall be effected by
delivering to the plan administrator on a business day, which must be a day on
which BEL shares are traded on the NYSE, (i) the notice-of-exercise form,
consisting of written notice in a form approved by the plan administrator,
which designates the options being exercised and specifies the number of BEL
shares to be acquired, and (ii) payment by check or wire transfer (if
available) of the full aggregate exercise price, which must either accompany
the delivery of the notice-of-exercise form or, if such notice was delivered by
facsimile, be received by the plan administrator by the end of the business day
following such facsimile delivery. This payment requirement applies whether you
supply payment directly, or whether payment is supplied on your behalf by a
broker or other person. If the full aggregate exercise price is not received by
the plan administrator by the applicable deadline, the attempt to exercise such
options shall be deemed cancelled.

     (c) Stock-for-Stock Exercise. The exercise of options with pre-owned BEL
shares is a "stock-for-stock exercise." Only one stock-for-stock exercise is
allowed per calendar quarter, although a single stock-for-stock exercise may
include options with different grant dates. A stock-for-stock exercise shall be
effected by delivering to the plan administrator on a business day, which must
be a day on which BEL shares are traded on the NYSE: (i) for those BEL shares
being tendered which are not held in certificate form, documentation
satisfactory to the plan administrator which evidences your beneficial
ownership of such BEL shares for at least six months; and (ii) the
notice-of-exercise form, consisting of written notice in a form approved by the
plan administrator, which (A) designates the options being exercised, (B)
specifies the number of BEL shares to be acquired, and (C) for those BEL shares
being tendered which are held in certificate form, provides the certificate
numbers and the names of the registered owners. If a cash payment is required
to fund part of the purchase price of a single BEL share, which price was only
partially funded by tendered BEL shares, such payment must be made to the plan
administrator within 10 business days after receiving notice of the amount due.

     (1) Ineligible BEL Shares. BEL shares are not eligible to be tendered in a
stock-for-stock exercise if, less than six months before the exercise
<PAGE>

date for the current stock-for-stock exercise, they were used by you as
consideration for exercising any option under any Bell Atlantic stock option
plan. In addition, for BEL shares to be tendered in a stock-for-stock exercise,
you must have had some ownership interest in the BEL shares for at least six
months. Shares held under the Bell Atlantic Savings Plan for Salaried Employees
or in other similar arrangements, or while held subject to restrictions, are
not eligible to be tendered in a stock-for-stock exercise.

     (2) Ownership of Tendered BEL Shares. BEL shares tendered in a
stock-for-stock exercise must be held (directly or by a broker in a "street
name" arrangement) either in your name alone, or in your name jointly with
another person who consents to the tender in writing in a form approved by the
plan administrator.

     (3) Reload Options. When you execute a stock-for-stock exercise of an
option (referred to here as a "reloaded option"), then, if you are an active
employee on the exercise date of the reloaded option, you will be granted one
nonstatutory stock option (referred to here as a "reload option") for each BEL
share you tendered which was accepted in such stock-for-stock exercise. Each
reload option will be issued with the following terms: (i) an exercise price
equal to the fair market value of BEL shares on the exercise date of the
reloaded option; (ii) a stated exercise date which is six months after the
exercise date of the reloaded option; and (iii) the same expiration date as the
reloaded option.

4.  Post-Exercise Requirements.

     (a) Withholding Taxes. If an option exercise creates a tax withholding
obligation, not satisfied by an election in the notice-of-exercise form to
reduce the number of BEL shares received, then you or your beneficiary must pay
the amount of such obligation by check to the plan administrator within 10
business days of receiving notice of such obligation and before the plan
administrator delivers the certificate for BEL shares. At any time, if the plan
administrator determines that a tax withholding obligation exists with respect
to any event relating to options, or to BEL shares received by exercising
options (such as a sale described in P. 4(b)), then you or, in the case of your
death, your beneficiary must pay the amount of such obligation by check to the
plan administrator within 10 business days of receiving notice of such
determination. If the amount of a tax withholding obligation is not paid, then,
by exercising options, you irrevocably authorize Bell Atlantic and its
subsidiaries to withhold such amount in their sole discretion from any
remuneration (in any form, including any option shares) otherwise payable or
transferable to you or your beneficiary.

     (b) Notice of Certain Sales and Other Transfers of BEL Shares. If you sell
or otherwise dispose of a BEL share acquired by exercising an incentive stock
option or a BEL share which was tendered in a stock-for-stock exercise of an
incentive stock option, and the sale or other disposition occurs before either
the first anniversary of the exercise date (when such BEL share was acquired or
tendered) or the second anniversary of the grant date (of such incentive stock
option), then you must notify the plan administrator within 10 business days
after the sale or other disposition, using a form approved by the plan
administrator for this purpose.

5.  Option Transfer Restrictions.

     (a) In General. Before your death, only you may exercise your options.
Options may not be exercised by any person pursuant to any involuntary
<PAGE>

transfer by garnishment, execution, lien or the like. You may not transfer an
option or an interest in an option, whether voluntarily, involuntarily or by
operation of law, except (i) by voluntarily delivering a beneficiary
designation to the plan administrator, (ii) by will, or (iii) by operation of
applicable intestacy laws.

     (b) Beneficiary Designation. After your death, your designated
beneficiary, if you have one, may exercise your options. If you have no
designated beneficiary and your will expressly names a person or persons to
exercise your options, then the designated person or persons may exercise your
options. Otherwise, the executor or administrator for your residuary estate may
exercise your options. If you have a designated beneficiary, then the naming in
your will of any person or persons to exercise your options shall be
disregarded, and such naming shall create no rights with respect to the plan or
any option. If you name more than one designated beneficiary, or if a
designated beneficiary is a minor, you must also designate a person with power
of attorney to exercise options for the benefit of your designated
beneficiaries.

6.  Automatic Conversion of Incentive Stock Options to Nonstatutory Stock
Options. On the three-month anniversary of your termination of employment from
Bell Atlantic or a corporate affiliate for any reason, other than transfer of
your employment to Bell Atlantic or another corporate affiliate, each of your
outstanding incentive stock options shall automatically become a nonstatutory
stock option. Also, if the aggregate exercise price of incentive stock options
first becoming exercisable in a calendar year exceeds $100,000, then, starting
with the most recently granted options, enough of such incentive stock options
shall automatically be converted to nonstatutory stock options so that the
aggregate exercise price of the remainder falls within the $100,000 limit.

7.  Definitions and Other Rules.

     (a) Definitions.

         BEL shares are shares of Bell Atlantic common stock.

         Bell Atlantic is Bell Atlantic Corporation.

     corporate affiliate is a corporation which is at least 50% owned by Bell
Atlantic, applying toward such 50% threshold any ownership by Bell Atlantic and
its corporate subsidiaries, but not ownership by noncorporate owners such as
partnerships.

     designated beneficiary is the person named on the most current beneficiary
designation, using a form approved for this purpose by the plan administrator,
which you have completed, signed and delivered to the plan administrator.

     disability separation is separation from service which (i) is due to a
disability, as defined by the short-term disability plan in which you
participate, and (ii) occurs at or after the end of the maximum period for
receiving disability benefits under such short-term disability plan.

     exercise date is defined in P. 3(a)(2).

     fair market value is the mean between the highest and lowest selling
prices of BEL shares on the exercise date, as reported on the NYSE composite
tape.
<PAGE>

     notice-of-exercise form is the notice, in the form approved by the plan
administrator, which is used for exercising an option as described in P. 3.

     NYSE is the New York Stock Exchange.

     option is a stock option granted under the Bell Atlantic 1985 Incentive
Stock Option Plan, as amended.

     other separation is resignation or other termination of employment, while
living, which is not a retirement, disability separation or qualified
separation, and which is not by reason of transfer of your employment to a
subsidiary.

     plan means the Bell Atlantic 1985 Incentive Stock Option Plan, as amended.

     plan administrator is the Executive Vice President - Human Resources of
Bell Atlantic, or any successor administrator, and any agent, assistant or
staff designated by that person to assist in the administration of the plan.

     qualified separation is separation from service from your employing
company (which is not accompanied by a transfer to, or a re-employment within
90 days by, Bell Atlantic, a corporate affiliate or a subsidiary), where the
separation is initiated by your employing company other than for misconduct or
a willful or persistent failure to perform your job duties, for example in the
context of a reorganization, downsizing, sale or merger of a business unit or
other voluntary or involuntary reduction in force (RIF) or force management
initiative (including, for example, a separation resulting from a
company-initiated relocation or a downward reclassification of your position
for a reason other than failure to perform).

     reloaded option is defined in P. 3(c)(3).

     retirement is separation from service with a combination of age and
service (as calculated for retirement-eligibility purposes, taking into
account, if applicable, any additional years of age and service credited under
any special pension incentive offer) which equals or exceeds any of the
following criteria:

age equal to or greater than:       and service equal to or greater than:
----------------------------        ------------------------------------
Any age                                           30 years
50                                                25 years
55                                                20 years
60                                                15 years
65                                                10 years.

     stock-for-stock exercise is defined in P. 3(c).

     subsidiary is a company which is designated by the board of directors of
Bell Atlantic as such, or in which Bell Atlantic then owns a 50% or greater
ownership interest.

     (b) Tax Consequences. All income, gift, estate and other tax consequences,
under federal, state, local, foreign and other tax laws and rules, of and
relating to receiving, holding and exercising options, tendering cash and other
consideration when exercising options, receiving BEL shares and other proceeds
of exercising options, having such BEL shares titled in the name of any person,
and selling or otherwise disposing of such BEL shares, are solely
<PAGE>

the responsibility of you and any beneficiary and not that of Bell Atlantic or
any subsidiary.

     (c) Deadlines. If any deadline date would fall on a Saturday, Sunday or
holiday on which the NYSE is closed, such deadline date shall be deemed to fall
instead on the first business day following such Saturday, Sunday or holiday on
which shares are traded on the NYSE.

     (d) Authority of Plan Administrator. The plan administrator is authorized
to administer option-exercise transactions, to perform administrative
oversight, to establish and modify administrative rules pertaining to options,
to interpret the plan and the terms and conditions contained in this document,
and to resolve disputes under the plan and such terms and conditions. All
claims, disputes and requests for interpretation of the plan and the terms and
conditions contained in this document shall be made in writing and be directed
initially to the Executive Director - Executive Compensation. The Executive
Vice President - Human Resources, in that officer's capacity as the principal
plan administrator, shall have the authority to review and decide any appeal of
any claim, dispute or request for interpretation, and the decision of the
Executive Vice President - Human Resources shall be final and binding. Without
limiting the generality of the foregoing, the plan administrator shall have the
discretion to determine whether a termination of employment is a retirement, a
disability separation, a qualified separation or an other separation.

     (e) Duty to Advise of Change of Address. You are responsible for timely
notifying the plan administrator of any change of your office address and of
any change of your home address.

CERTIFIED ON BEHALF OF ALL PLANS:

/s/ Donald J. Sacco
__________________________________________
Donald J. Sacco
Executive Vice President - Human Resources               Date:  November 1, 1998

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