<PAGE>   1


                                                                   EXHIBIT 99(I)



                                   TERM SHEET


               FINANCING PROPOSAL FOR PROTECH COMMUNICATIONS, INC.
                                   PAGE 1 OF 3


AMOUNT:                 $1.5 million in cash to be paid at closing and the
                        issuance by ProTech Communications, Inc. ("ProTech" or
                        the "Company") of a warrant for 4.5 million common
                        shares of ProTech at market price callable upon
                        effectiveness of an underlying registration statement by
                        the Company in three (3) 1.5 million share blocks,
                        each block callable when the Company's common stock
                        trades a minimum of one hundred fifty thousand (150,000)
                        shares per day and the common stock price reaches and
                        maintains for a minimum of fifteen (15) consecutive days
                        a price 36% above the issuance price per share, 88%
                        above the issuance price per share and 127% above the
                        issuance price per share, respectively.

SECURITY:               Convertible preferred stock of the Company (the
                        "Preferred Stock")

VOTING RIGHTS:          None, except as may be required by applicable law

ISSUE DATE:             To Be Determined

MATURITY DATE:          Thirty Six (36) months from Issue Date

PURCHASE PRICE:         $1,000 per share (the "Stated Value")

ACCRETION:              Four percent (4.0%) payable by the Company in common
                        stock or cash (at the Company's election) upon
                        conversion

                                      116
<PAGE>   2


               FINANCING PROPOSAL FOR PROTECH COMMUNICATIONS, INC.
                                   PAGE 2 OF 3


CONVERSION
RIGHTS:                 Each Preferred Share is convertible into the following
                        number of shares:

                                  Stated Value
                                ----------------
                                Conversion Price

                        The conversion price is equal to the lesser of a) 100%
                        of the market price of the common stock at closing or
                        b) 20% discount off the lowest average closing bid price
                        of the common stock for any consecutive five (5) day
                        period out of the fifteen (15) day period preceding
                        conversion.

MANDATORY
CONVERSION:             At maturity, all unconverted Preferred Shares will
                        convert at the then prevailing Conversion Price

SUPPLEMENTAL
CONVERSION
RIGHTS:                 The Investor has the option to convert into NCT Group,
                        Inc. common stock at a 20% discount to the market upon
                        conversion at their discretion. Up to one half of the
                        position is subject to this option at six months after
                        closing and the other one half 12 months after closing.

REGISTRATION
RIGHTS:                 The Company will agree to file a registration statement
                        under the Securities Act of 1933 including the shares of
                        Common Stock underlying the Convertible Preferred within
                        60 days of the Closing and will use its best efforts to
                        cause the registration to become effective on the date
                        (the "SEC Effective Date") which is the earlier of 150
                        days after the Closing or within five days of SEC
                        clearance to request acceleration of effectiveness. The
                        Company will maintain the effectiveness of such
                        registration for three years.

                                      117
<PAGE>   3


              FINANCING PROPOSAL FOR PROTECH COMMUNICATIONS, INC.
                                  PAGE 3 OF 3


SUPPLEMENTAL
REGISTRATION
RIGHTS:                 Should the Investor elect the Supplemental Conversion
                        Rights as noted above, NCT Group, Inc. shall file a
                        registration statement covering such shares on a post
                        issuance basis.

<TABLE>
<S>                                 <C>                                <C>
                                                                       NCT Group, Inc.
---------------------------         --------------------------
Investor                            Investor

                                                                       /s/ CY E. HAMMOND
---------------------------         --------------------------         -----------------
Signature                           Signature                          Signature

                                                                       Cy E. Hammond
---------------------------         --------------------------         -----------------
Print Name                          Print Name                         Print Name

                                                                       March 6, 2000
---------------------------         --------------------------         -------------
Date                                Date                               Date
</TABLE>


<TABLE>
<S>                                                   <C>
Pro Tech Communications, Inc.                         NCT Hearing Products, Inc.

/s/ KEITH LARKIN                                      /s/ IRENE LEBOVICS
------------------                                    -------------------
Signature                                             Signature


Keith Larkin                                          Irene Lebovics
------------------                                    -------------------
Print Name                                            Print Name


March 6, 2000                                         March 6, 2000
------------------                                    -------------------
Date                                                  Date
</TABLE>

                                      118