<PAGE>   1
                                                                  EXHIBIT 10.20

                      NBD BANK AND NATIONAL TECHTEAM, INC.
                     END USER COMPUTER TRAINING AGREEMENT

This Agreement is made September 15, 1995, by and between NBD Bank,
including without limitation its now owned and hereafter acquired subsidiaries
and affiliates, hereafter "NBD", having its principle place of business at 611
Woodward Avenue, Detroit, Michigan 48226, and National TechTeam, Inc.,
hereafter "NTT", having its principle place of business at 22000 Garrison
Avenue, Dearborn, Michigan 48124.

GENERAL.

Whereas NBD seeks to promote the long-term effectiveness of its employees by
improving their productive use of personal computers and software programs,
Whereas NTT would like to develop, customize, and deliver high-quality training
programs to meet NBD's needs.  Therefore this Agreement, including the exhibits
which may be revised from time-to-time with the consent of both parties, sets
forth the training services and support as well as the terms and conditions
that will govern both parties.  It is agreed that these and future services
will be adapted to the needs of NBD and delivered in a manner that will ensure
NBD's workforce gains and maintains a competitive advantage now and for the
future.

1.    TERM AND TERMINATION.

      1.01 INITIAL TERM.  The initial term of this Agreement is 24
           months.

      1.02 AUTOMATIC RENEWAL.  Unless otherwise terminated by either
           party 60 days prior to the end of the then current term of the
           Agreement, the Agreement shall automatically renew for successive
           one-year terms.  NTT will furnish NBD with a reminder notice of the
           contract renewal 90 days prior to the automatic contract renewal
           date.

      1.03 TERMINATION WITHOUT CAUSE.  Either party may terminate this
           Agreement without cause by giving the other party 120 days advance
           written notice.

      1.04 TERMINATION WITH CAUSE.  Either party may, upon giving the
           required notice, terminate this Agreement with cause as specifically
           set forth in other sections of this Agreement.

2.    COURSES, CUSTOMIZATION, AND DOCUMENTATION SERVICES.

      2.01 NBD BANK CLOSED ENROLLMENT.  NTT will provide closed
           enrollment, instructor-led training classes for the approved NBD
           Standard software applications (see Exhibit A).  These courses and
           classes will be adapted to NBD's needs and will include beginning,
           intermediate, and advanced level topics.

      2.02 NEW COURSE DEVELOPMENT.  NTT will assist NBD in meeting its
           professional training needs by developing and delivering new
           training courses and programs that enhance NBD's ability to deliver
           high-quality services and products to its customers.  New courses or
           replacement courses for those on the NBD closed enrollment course
           list require four to eight weeks to develop and another three to
           four weeks following approval by NBD before they can be presented.
           Course development and deployment will be accomplished using the
           methodology defined in Exhibit B, Courseware Design Evaluation
           Checklist.

      2.03 MODIFICATION OF EXISTING COURSEWARE.  As part of the
           continuous process improvement, NTT will partner with NBD to modify
           and adapt NTT's existing Courseware to NBD's specific needs.
           Modification of existing Courseware, like the development of new
           Courseware, will be guided by the process described in Exhibit B,
           Courseware Design Evaluation Checklist.

           2.03.1   Within seven business days after NTT completes each of the
                    steps listed in the process checklist, NBD will either
                    approve the work or specify changes to be made.  If major
                    changes are requested by NBD following approval of the
                    expanded outline (Step 1), NTT and NBD will prepare a 
                    revised development plan and schedule.

           2.03.2   Course formats, descriptions, objectives and materials
                    developed by NTT shall be suitable for the intended NBD
                    enrollment.  NTT Guidelines for development of customized
                    Courseware are set forth in Exhibit B, Courseware Design
                    Evaluation Checklist.


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NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 2 OF 19
September 15, 1995



             2.03.3 Closed enrollment courses customized by NTT will include
                    course modules with objectives, functional content, and
                    examples that are tailored to NBD's business environment.
                    Course modules will be designed around logically grouped
                    functions and allow adequate practice time for students.
                    Each four hours of training will include one fifteen minute
                    break period.

             2.03.4 NTT will make recommendations to NBD concerning course
                    format, length, and content for each class.  The objective 
                    is to structure each class to focus on specific application
                    functions to give students comprehensive exposure to program
                    functionality in the shortest possible time.  NBD will have
                    final approval for course content, format, and length.

      2.04   CUSTOMIZATION OF COURSEWARE.  NTT will employ professionally
             qualified Courseware developers to customize courses to NBD's 
             needs.  Customization may include:

             2.04.1 Revising the course outline by deleting or rearranging
                    existing modules or combining elements from more than one
                    course.  Revisions may be made to shorten the length of the
                    training class or to meet special training needs or
                    constraints identified by NBD.

             2.04.2 Developing specific examples or training exercises that are
                    tailored to the course and to the students.

             2.04.3 Adapting the class to local operating procedures or
                    hardware requirements.

             2.04.4 Preparing special class participant guides, job aids, and
                    other related training materials for students.

             2.04.5 NTT will offer, for a fee and production cost, document and
                    consulting services that may be needed to support the
                    training (see Exhibit D).

             2.04.6 Travel expenses for Courseware developers performing
                    services 60 miles or more from the designated NTT training
                    hubs (see Exhibit D), which are chargeable at actual cost,
                    will be separately identified and itemized on invoices.  NTT
                    will ensure that these costs are reasonable and generally
                    conform to NBD's policies and practices for the 
                    reimbursement of reasonable expenses to its employees.  
                    Expenses may include transportation, lodging, meals, and 
                    other expenses incurred incidental to the travel.

      2.05   COURSEWARE RIGHTS.  NTT will customize Courseware and other
             training materials needed for NBD's closed enrollment programs.  
             NBD will have the right to use NTT customized Courseware during
             the term of the Agreement and thereafter will retain the rights to
             confidentiality of such customized Courseware.  NTT may not use
             Courseware customized for NBD in any other industrial, commercial,
             or government activity.  NTT may, however, with NBD's approval and
             direction, use such material for a reasonable period of time to
             conduct training classes for organizations formerly owned by NBD.

      2.06   COURSEWARE COPYRIGHTS AND RIGHTS OF USE.  NTT retains full
             copyrights and distribution rights for the NBD customized
             Courseware in both use and delivery.  During the term of the
             Agreement, NTT grants to NBD the right to use this course material
             for its internal use only.  Exhibit D list pricing for Courseware.

      2.07   COURSEWARE MATERIALS.  During the term of the Agreement, NTT
             will furnish NBD with electronic and hardcopy versions of all
             current NBD customized Courseware, course examples, instructor
             manuals, teaching materials, and other course related data files.
             NBD is responsible for maintaining its own back-up files of
             current course material.





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NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 3 OF 19
September 15, 1995



      2.08 ENROLLMENT AGENT.  NTT is designated to act as an agent on
           behalf of NBD for the limited purpose of negotiating enrollment
           arrangements with Inacom Information Services or other third parties
           that are approved by NBD.

      2.09 OPEN ENROLLMENT COURSES.  NTT has partnered with Inacom
           Information Services to provide NBD with training for programs and
           applications that are not included in the NTT developed and
           delivered closed enrollment program.  The intent of the open
           enrollment program is to ensure that training is available to NBD
           employees and organizations that are not using software supported
           under the closed enrollment program; open enrollment courses include
           beginning, intermediate, and advanced training.  NTT may, if
           requested by NBD, provide open enrollment training where NTT has the
           required course materials or otherwise agrees to provide the
           training.

      2.10 CANCELLATION POLICY FOR OPEN ENROLLMENT.  Unless otherwise
           agreed, the procedure and practices for cancellation of open
           enrollment classes provided by third parties, including Inacom
           Information Services and its affiliates, will be identical to NTT's.

      2.11 STUDENT ENROLLMENT.  NTT will provide Inacom Information
           Services and its affiliates with enrollment confirmation information
           for NBD employees that will be attending their open enrollment
           classes.  When NTT confirms each employee's class enrollment, the
           employee will be given a class enrollment confirmation number to be
           presented at the class.

      2.12 PAYMENT FOR OPEN ENROLLMENT CLASSES.  NBD will be billed in
           advance for the cost of coupons purchased by NTT for NBD's use; they
           will be procured monthly based on forecasted training requirements
           furnished by NBD.  Training coupons remain the property of NBD.

3.   QUALITY CONTROL.

      3.01 REGULARLY SCHEDULED PERFORMANCE REVIEWS.  NTT and NBD hold
           quality performance review meetings every two months to assess the
           quality of courses, instruction , and such other matters as deemed
           appropriate.  The agenda for these meetings will include, but is not
           limited to, course content, materials, instructors, evaluations,
           testing, facilities, scheduling, registration, and billing.

      3.02 PERFORMANCE DEFICIENCIES AND RESOLUTION.  Should NBD conclude
           that the NTT training programs are not meeting NBD standards, NTT
           will take immediate action to rectify the deficiencies.  NBD will
           provide NTT with a written list of the deficiencies and NTT will be
           given a reasonable time to develop and implement corrective actions
           that are acceptable to NBD.  If NTT is unable within a reasonable
           time, not to exceed 30 days, to correct the deficiencies to comply
           with NBD standards, NBD may terminate the Agreement.

      3.03 ASSESSMENTS AND EVALUATIONS.  NTT will provide a "pre-course"
           student skill assessment tool as an instrument for determining
           course level placement.  The parties will also use the Kirkpatrick
           Assessment Model to measure skill improvement of students at the
           four levels described below.  NTT will administer all assessment and
           evaluation processes and the results will be reported to NBD on a
           monthly or quarterly basis as appropriate.

           3.03.1 Level I evaluations, which measure each student's reaction
                  to training on the day of training, will be administered by
                  NTT at the end of the class and tracked electronically.
                  Statistical analysis and evaluation of the results will be
                  given to NBD monthly or on request.

           3.03.2 Level II evaluations, which measure what each student
                  learned during the class, will be based on pre- and
                  post-training evaluations; the assessment measures will be
                  jointly developed by NBD and NTT.





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NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 4 OF 19
September 15, 1995



           3.03.3 Level III evaluations, which measure the student's ability
                  to apply the knowledge gained in the classroom to the job,
                  are normally reviewed 30 - 45 days after completion of
                  training.  Unlike level I and II evaluations, level III
                  evaluations are based on statistically valid random samples
                  of students and are performed quarterly.

           3.03.4 Level IV evaluations measure the effect that training has
                  on the productivity and return on investment; the assessment
                  measures will be developed jointly by NBD and NTT during the
                  initial term of the Agreement.  Level IV evaluations are
                  based on statistically valid random samples of students and
                  are performed quarterly.

4.   REGISTRATION.

      4.01 CLOSED ENROLLMENT COURSE CATALOGS.  NTT will provide NBD with
           a customized course catalog containing information about courses and
           classes offered to NBD employees; the catalog will be updated and
           distributed three times each year.

      4.02 REGISTRATION PROCEDURE.  NBD employees will register for all
           closed enrollment, open enrollment, and NBD taught classes by
           calling NTT's training center (see Exhibit E).  Students must bring
           a properly completed class confirmation notice, with their cost
           center manager's signature, to class; NTT will return class rosters
           and the signed confirmation notices to NBD.

      4.03 MAXIMUM CLASS ENROLLMENT.  Unless otherwise requested by NBD,
           class enrollment will be limited to a maximum of 12 students.

      4.04 CLASS CONFIRMATIONS.  NTT will send each registered student a
           class confirmation notice acknowledging enrollment in the class;
           confirmation notices will include the student's name, course title,
           and the class date, time, and location.  The form and method of
           delivering class confirmation notices will be jointly determined by
           both parties and may change as technology evolves.  All costs
           incurred for administering class confirmations are included in the
           course fees and are borne by NTT.

      4.05 REGISTRATION AND ATTENDANCE DATA FILE TRANSFERS.  NTT will
           provide NBD with a monthly electronic file download of NBD employee
           class registration and attendance information in a format compatible
           with NBD's registration and tracking system.  NTT will maintain NBD
           class registration information for two years after the course
           training date.

      4.06 CANCELLATION POLICY.  Students that need to cancel their
           enrollment in NTT closed enrollment classes may do so by telephoning
           the NTT training center (see Exhibit E).  NTT will attempt to
           reschedule the student for the next available class and will update
           the student record to reflect the change.

           4.06.1 If NTT receives a request for enrollment cancellation five
                  business days or more in advance of a scheduled class, the
                  class fee will be fully refunded.

           4.06.2 If NTT receives a request for enrollment cancellation three
                  to five business days in advance of a scheduled class, 75% of
                  the class fee will be refunded. However, if NTT is successful
                  in filling the class opening with another employee on the
                  waiting list, the class fee will be fully refunded.

           4.06.3 If NTT receives a request for enrollment cancellation less
                  than three business days in advance of a scheduled class, no
                  refund will be given.  However, if NTT is successful in
                  filling the class opening with another employee on the
                  waiting list, the class fee will be fully refunded.

      4.07 PER STUDENT CLASSES.  Per student classes include an
           instructor and manuals in addition to registration, scheduling,
           course customization, and other program management expertise.  If




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NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 5 OF 19
September 15, 1995



           NBD chooses the NTT per student pricing model, NTT will administer
           registrations and cancellations caused by low enrollment.  If,
           five days prior to the class, enrollment is less than seven
           students at a hub location or five students at a remote location,
           NTT has the option of canceling the class at no charge to NBD.  If
           the number of students fails to meet the minimum of students
           required for the class, NBD may elect to pay the group rate for
           the training.

      4.08 GROUP CLASSES.  Group classes include an instructor and
           manuals.  In addition, it is agreed that NTT will track student
           participation in group classes by entering enrollment information,
           provided by NBD, in the NTT registration system.  Special requests
           or group classes arranged and administered by an NBD coordinator
           will never be canceled by NTT; group class cancellations must be
           made by NBD at least five business days in advance of the class.
           NBD will assume responsibility for making and administering
           registrations, cancellations, and confirmations; group rates will
           apply (see Exhibit D).

5.   ADMINISTRATION.

      5.01 CLOSED ENROLLMENT CLASSES.  NTT will manage the
           administrative tasks related to scheduling, registration, marketing,
           management reporting, and billing for NBD closed enrollment.

      5.02 OPEN ENROLLMENT CLASSES.  NTT will coordinate NBD student
           class registrations, confirmations, and cancellations for open
           enrollment courses taught by Inacom Information Services.

      5.03 CATALOGS.  NTT will develop and distribute customized NBD
           training catalogs at four month intervals listing course
           descriptions, schedules, prerequisites, and administrative policies
           for NBD closed enrollment courses.

      5.04 INVOICING.  NTT will provide appropriately detailed invoices
           monthly (content and format will be approved by NBD) to NBD at the
           address shown below for closed enrollment classes, services, and
           Inacom training coupons purchased on behalf of NBD by NTT under this
           Agreement.  A second information only copy of the invoice and
           supporting detail will be sent to the Systems Development Division.
           Payment terms will be net 30 days from invoice date.

                    NBD  Bank
                    Administration Support, 2nd Floor
                    9000 Haggerty Road
                    Belleville, Michigan 48111

6.   FACILITIES.

      6.01 COMPUTER WORKSTATION CONFIGURATION.  NTT will provide
           classroom facilities, equipment, and software which duplicate the
           predominant computing environment as defined by the NBD End-User
           Computing Desktop Standards.

      6.02 TRAINING AIDS AND EQUIPMENT.  NTT will provide classrooms
           equipped with workstation screen projection system capable of
           projecting readable screen images from the instructor's workstation
           for viewing by all students.  In addition, overhead projection
           equipment, dry-marker boards, and flip-charts will be available as
           needed.

      6.03 NTT TRAINING CENTER AND TRAINING HUB LOCATIONS.  NTT training
           center and hub locations are listed in Exhibit E.


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NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 6 OF 19
September 15, 1995

7.   INSTRUCTORS.

      7.01 INSTRUCTOR QUALIFICATIONS.  NTT will provide instructors
           qualified to teach the closed enrollment courses listed on Exhibit
           A.  NTT will certify that each instructor has acquired a practical
           knowledge of the NBD closed enrollment programs.

      7.02 CLASS AUDITS AND REMOVAL OF INSTRUCTORS.  NBD may conduct
           audits on the classes taught by NTT to ensure that training meets
           NBD's standards.  NBD and NTT agree to use the Instructor Evaluation
           form (see Exhibit C) as a tool to measure for quality performance.
           NBD may, upon giving NTT adequate advance written notice, request
           that a specific instructor not be assigned to teach an NBD closed
           enrollment course or class.

      7.03 REGULAR TRAINING HOURS.  Instructors will be available to
           teach at the designated facilities during regular business hours,
           i.e., 8:00 a.m. to 5:00 p.m., Monday through Friday.  At NBD's
           request, training may be scheduled outside of regular business hours
           at mutually agreeable times for an additional fee (see Exhibit D).

      7.04 TRAVEL EXPENSES.  Travel expenses for instructors performing
           services 60 miles or more from the designated NTT Training Hubs (see
           Exhibit E), chargeable actual cost, will be separately identified
           and itemized on invoices sent to NBD.  NTT will ensure that these
           costs are reasonable and generally conform to NBD's policies and
           practices for the reimbursement of reasonable expenses to its
           employees.  Expenses may include transportation, lodging, meals, and
           other expenses incurred incidental to the travel.

8.   PRICING AND SPECIAL TERMS.

      8.01 CLOSED ENROLLMENT.  NTT will provide NBD with quality
           instructors, registration, class customization services, and
           Courseware for closed enrollment at NTT's or NBD's facilities (see
           Exhibit D).

      8.02 OPEN ENROLLMENT.  Inacom Information Services pricing for
           open enrollment programs is listed in Exhibit D.

      8.03 PRICE PROTECTION.  During the initial term of this Agreement,
           the price list shown on Exhibit D will apply.  Following the initial
           term of the Agreement NTT will limit increases on both a per student
           and group basis to no more than eight percent of the prior year's
           rate.

      8.04 In the future, if NBD should separately contract with NTT to
           provide corporate help desk support, NBD shall be entitled to a
           $15.00 credit per student per class attended from NTT's Standard
           Subscription Support Service charge.

9.   CONFIDENTIALITY

      9.01 CONFIDENTIAL AND PROPRIETARY INFORMATION.  Documentation and
           information, including orally or visually disclosed, is confidential
           if:

             9.01.1 It is designated as confidential or proprietary, by letter,
                    stamp or legend; by verbal notice, or

             9.01.2 It would be apparent to a reasonable person, familiar with
                    the disclosing party's business or the industry in which it
                    operates, that such information is of a confidential or
                    proprietary nature.  All such proprietary or confidential
                    information, collectively, "Proprietary Information", shall
                    be treated confidentially by the receiving party and its
                    employees and shall not be disclosed by the receiving party
                    without the disclosing party's prior written consent.
                    Proprietary Information shall include, but is not limited
                    to, the names, addresses and telephone information
                    concerning NBD employees and customers, as well as all 
                    technical 

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NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 7 OF 19
September 15, 1995



                   information and documentation not generally available to
                   end users which NBD provides to NTT hereunder.

     9.02  TREATMENT OF PROPRIETARY INFORMATION.  A party to the
           Agreement shall not duplicate or in any from reproduce, summarize,
           or otherwise disclose Proprietary Information of the other party,
           except in accordance with the terms and conditions of this
           Agreement.  Each party shall have an appropriate Agreement with each
           of its employees and agents having access to the other party's
           Proprietary Information sufficient to enable that party to comply
           with all terms of this Agreement.  Each party agrees to protect the
           other's Proprietary Information with the same standard of care and
           procedures which it uses to protect its own trade secrets and
           confidential or Proprietary Information of like importance and, in
           any event, shall adopt or maintain procedures reasonably calculated
           to protect such Proprietary Information.

     9.03  FURTHER TREATMENT OF PROPRIETARY INFORMATION.  Each party
           agrees to hold all Proprietary Information of the other party in
           trust and confidence for the other party and not to use the same
           other than as expressly authorized under this Agreement or in
           furtherance of its obligations under this agreement.  Each party
           agrees not to disclose any such Proprietary Information, without the
           prior written consent of the other party, to anyone other than each
           party's employees, agents, or contractors who have a need to know
           same to carry out the rights granted hereunder or as required under
           any applicable law or regulation.

     9.04  EXCEPTIONS.  Any obligation in the confidentiality provisions
           of this Agreement does not apply to any information which:

           9.04.1  Is or becomes known publicly through no fault of the
                   receiving party; or;

           9.04.2  Is already known or becomes known to the receiving party,
                   except as listed or specified in writing by the receiving
                   party as being the subject of previous discussions between
                   the disclosing party and the receiving party regarding
                   Proprietary Information, and is so agreed by both parties;  
                   or;
                   
           9.04.3  Is developed by or for the receiving party independent of
                   activities under this Agreement.

10.  INDEMNITY.

     10.01 INDEMNIFICATION BY NTT.  NTT agrees to indemnify and hold NBD
           harmless from and against any and all claims, demands, costs and
           liabilities, including all reasonable legal fees and expenses, of
           any kind whatsoever, arising directly or indirectly out of NTT's
           performance under this Agreement.  NBD agrees to promptly notify NTT
           if any such claims arise and offer NTT reasonable assistance and
           information necessary in responding to and defending against any
           such claims.

     10.02 INDEMNIFICATION BY NBD.  If notified in writing of any action or 
           prior claim brought against NTT alleging that NTT's use of the
           Product or any other materials provided to NTT by NBD hereunder
           infringes any valid United States patent or copyright, NBD will
           defend that action at its expense and will pay the costs and
           damages awarded against NTT in the action, provided:

           10.02.1 NBD shall have sole control of the defense of any such
                   action and all negotiations for its settlement or
                   compromise; and

           10.02.2 NTT, and where applicable, those for whom NTT is in law 
                   responsible, cooperate fully with NBD in its defense of the
                   action; and

           10.02.3 NBD shall have no liability if the action results from the 
                   use of the Product or other materials delivered by NBD for
                   purposes or in an environment for which it was not designed,
                   modification of the Product or other materials delivered by



<PAGE>   8
NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 8 OF 19
September 15, 1995


                   NBD or use of the Product or material delivered by
                   NBD in combination with software or other products not       
                   supplied by NBD.

     10.03 LIMITATION OF LIABILITY.  Neither NBD or NTT shall be liable to the
           other for incidental, consequential, exemplary, indirect or special
           damages of any kind including, without limitation, loss of profits,
           savings, revenue, or other commercial loss or the claims of third
           parties including end users whether or not advised of the
           possibility of such loss, however caused and on any theory of
           liability, arising out of this Agreement or the relationship of      
           NBD and NTT.

11.  MISCELLANEOUS

     11.01 ENTIRE AGREEMENT.  This Agreement constitutes the entire Agreement
           between the parties concerning the subject matter hereof and
           supersedes all prior statements, representations, discussion,
           negotiations and Agreements, both oral and written.

     11.02 AMENDMENT OR WAIVER.  This Agreement may not be amended or modified
           except in a writing signed by authorized officers of both parties.

     11.03 ILLEGAL OR UNENFORCEABLE PROVISIONS.  In the event that any one or 
           more of the provisions of this Agreement shall be found to be 
           illegal or unenforceable, this Agreement shall nevertheless remain
           in full force and effect, and such term or provision shall be deemed
           severed.

     11.04 INDEPENDENT CONTRACTORS.  The parties to this Agreement are
           independent contractors.  No relationship or principal to agent,
           master to servant, employer to employee or franchiser to franchisee
           is established hereby between the parties.  Neither party has the
           authority to bind the other or incur any obligation on its behalf.

     11.05 NO WAIVER.  Neither of the party's rights to enforce provisions of 
           this Agreement shall be affected by any prior course of dealing,
           waiver, delay, omission or forbearance.

     11.06 ASSIGNMENT.  This Agreement and the rights granted hereunder shall
           not be assigned, encumbered by security interest or otherwise
           transferred by NTT without the prior written consent of NBD.  NBD
           may assign this Agreement at any time upon giving written notice of 
           such action to NTT.

     11.07 NOTICES.  Any notice or other communication to the parties shall be 
           sent to the addresses shown below or such other places as they may
           from time to time specify by notice in writing to the other party. 
           Any such notice or other communication shall be in writing, and,
           unless delivered to a responsible officer of the addressee, shall be
           given by overnight courier, facsimile or telex and shall be deemed
           to have been given when such notice should have reached the
           addressee in the ordinary course.

                    NATIONAL TECHTEAM, INC.

                    22000 Garrison Avenue
                    Dearborn, MI  48124 USA
                    ATTN: Warren Webermin, Vice President
                    (313) 277-2277 Telephone
                    (313) 277-6409 Facsimile

                    NBD  BANK

                    Administration Support, 2nd Floor
                    9000 Haggerty Road
                    Belleville, Michigan 48111
                    (313) 957-2435 Telephone
                    (313) 957-2450 Facsimile


<PAGE>   9
NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 9 OF 9
September 12, 1995


     11.08 FURTHER ASSURANCES.  The parties agree to do all such things
           and to execute such further documents as may reasonably be required
           to give full effect to this Agreement.





     11.09 GOVERNING LAW.  This Agreement shall be governed by and
           construed in accordance with the laws of the State of Michigan
           without reference to conflict of laws principles.

     11.10 JURISDICTION.  Any dispute arising out of this Agreement
           shall exclusively be brought in the state and federal courts within
           Wayne County, Michigan.

WITNESS WHEREOF, the duly authorized representatives of the parties have
executed this Agreement as of the Effective Date first above written.

            NBD BANK                          NATIONAL TECHTEAM

            By   /s/ Ben Hollist         By     Warren E. Webermin
                 -----------------------        ----------------------
            Name  Ben Hollist            Name   WARREN E. WEBERMIN
                 -----------------------        ----------------------
                      (print or type)                (print or type)
            Title First Vice President   Title  Vice President
                 -----------------------        ----------------------
            Date  9/20/95                       Date   Sept. 26, 1995
                 -----------------------        ----------------------





<PAGE>   10


NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 10 OF 10
September 12, 1995
--------------------------------------------------------------------------------


EXHIBIT A
NBD CLOSED ENROLLMENT
CUSTOMIZED STANDARD SOFTWARE COURSES

<TABLE>
<CAPTION>
                                                       COURSE 
                    COURSE TITLE                        HOURS
------------------------------------------------------------------
<S>                                                   <C>
Introduction to Personal Computers                         4
------------------------------------------------------------------
Introduction to LAN Concepts                               2
------------------------------------------------------------------
Novell Netware Use and Operations                          2
------------------------------------------------------------------
Microsoft Windows                                          4
------------------------------------------------------------------
Lotus SmartSuite Interface and Commonalties                4
------------------------------------------------------------------
Lotus Ami Pro 3.1 Fundamentals                             8
------------------------------------------------------------------
  Lotus Ami Pro 3.1 Formatting                             4
------------------------------------------------------------------
  Lotus Ami Pro 3.1 Tables and Forms                       4
------------------------------------------------------------------
  Lotus Ami Pro 3.1 Macros                                 4
------------------------------------------------------------------
  Lotus Ami Pro 3.1 Managing Style Sheets                  4
------------------------------------------------------------------
Lotus Freelance 2.1 Fundamentals                           8
------------------------------------------------------------------
  Lotus Freelance 2.1 Presentations                        4
------------------------------------------------------------------
Lotus Approach 3.0 Fundamentals                            8
------------------------------------------------------------------
  Lotus Approach 3.0 Find and Report                       4
------------------------------------------------------------------
  Lotus Approach 3.0 Templates                             4
------------------------------------------------------------------
Lotus 1-2-3 5.0 Fundamentals                               8
------------------------------------------------------------------
  Lotus 1-2-3 5.0 Linking                                  4
------------------------------------------------------------------
  Lotus 1-2-3 5.0 Printing Techniques                      4
------------------------------------------------------------------
  Lotus 1-2-3 5.0 Charting                                 4
------------------------------------------------------------------
  Lotus 1-2-3 5.0 Databases                                4
------------------------------------------------------------------
Lotus Organizer 1.1 and 2.0 Fundamentals                   4
------------------------------------------------------------------
  Lotus Organizer 1.1 and 2.0 Personal Data Management     4
------------------------------------------------------------------
Lotus cc:Mail 2.1 Fundamentals                             4
------------------------------------------------------------------
Lotus SmartSuite 3.1 Integration                           4
------------------------------------------------------------------
Microsoft Access 2.0                                       8
------------------------------------------------------------------
Microsoft Project 4.0                                      16
------------------------------------------------------------------
</TABLE>



<PAGE>   11

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 11 OF 11
September 12, 1995



EXHIBIT A (CONTINUED)
NBD OPEN ENROLLMENT
NON-STANDARD SOFTWARE COURSES

<TABLE>
<CAPTION>
                               COURSE 
       COURSE TITLE            HOURS
--------------------------------------
<S>                         <C>
Introduction to DOS              8
--------------------------------------
DOS based applications           8
--------------------------------------
WordPerfect for Windows          8
--------------------------------------
Microsoft Word for Windows       8
--------------------------------------
Microsoft Excel                  8
--------------------------------------
</TABLE>




<PAGE>   12

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 12 OF 12
September 12, 1995



EXHIBIT B
COURSEWARE DESIGN EVALUATION CHECKLIST

The attached Courseware Design Evaluation Checklist has been prepared by
National TechTeam for use by National TechTeam Lead Documentation Specialist to
ensure that all quality checks have been performed for each documentation
deliverable.  This Courseware Design Evaluation Checklist is to be used in
addition to Project Tracking Sheets which are incorporated at key deliverable
points.

The result is a quality product and a guarantee that all internal ISO 9000
Quality Standards and external customer expectations have been met.

PART I:  PROCESS CHECKLIST

The documentation development is currently defined as a 9-step process.  Each
step is supportive of the following step and adheres to all customer
expectations and timing.  The process may vary according to customer
specification and is subject to change as additional steps are incorporated.

A Training/Documentation Model Timeline is distributed to the development team
prior to project start.

PART II:  SPECIFIC COMPONENTS CHECKLIST

Components to be included in the documentation development process are
identified and accounted for.  These components are incorporated into the
document development and tracked by the Lead Documenter.




<PAGE>   13

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 13 OF 13
September 12, 1995



EXHIBIT B (CONTINUED)
COURSEWARE DESIGN EVALUATION CHECKLIST

This document is to be completed by the Lead Documenter for a course.  Upon
completion of this document, attach supplemental Project Tracking Sheets.

PART I:  PROCESS CHECKLIST

<TABLE>
<CAPTION>
                                            STEP                                              COMPLETE
-------------------------------------------------------------------------------------------------------
<S>                                                                                           <C>
1.  Course adheres to approved, expanded outline
-------------------------------------------------------------------------------------------------------
2.  Course is developed for appropriate audience profile
-------------------------------------------------------------------------------------------------------
3.  Course is developed with predetermined prerequisites in mind
-------------------------------------------------------------------------------------------------------
4.  Course is dry run
-------------------------------------------------------------------------------------------------------
5.  Course is piloted
-------------------------------------------------------------------------------------------------------
6.  All necessary revisions have been made
-------------------------------------------------------------------------------------------------------
7.  Subject Matter Expert (SME) and NBD Project Manager review/approve final course material
-------------------------------------------------------------------------------------------------------
8.  NBD Project Manager reviews/approves final instructor notes
-------------------------------------------------------------------------------------------------------
9.  Final materials ready for production (delivery to customer)
-------------------------------------------------------------------------------------------------------
</TABLE>



<PAGE>   14

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 14 OF 14
September 12, 1995


EXHIBIT B (CONTINUED)
PART II:  SPECIFIC COMPONENTS CHECKLIST

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------
                                        COMPONENT                                          COMPLETE
---------------------------------------------------------------------------------------------------
<S>                                                                                        <C>
COURSE OBJECTIVES ARE:
---------------------------------------------------------------------------------------------------
  Goal Oriented
---------------------------------------------------------------------------------------------------
  Measurable
---------------------------------------------------------------------------------------------------
  Written in active tense
---------------------------------------------------------------------------------------------------
INDIVIDUAL LESSON OBJECTIVES ARE:
---------------------------------------------------------------------------------------------------
  Goal-oriented
---------------------------------------------------------------------------------------------------
  Measurable
---------------------------------------------------------------------------------------------------
  Written in active tense
---------------------------------------------------------------------------------------------------
COURSE LENGTH MEETS REQUIREMENTS
---------------------------------------------------------------------------------------------------
COURSE CONTENT/MATERIAL HAS BEEN REVIEWED FOR:
---------------------------------------------------------------------------------------------------
  Technical accuracy
---------------------------------------------------------------------------------------------------
  Inclusion of specific NBD examples illustrating the taught concepts where applicable
---------------------------------------------------------------------------------------------------
  Logical instructional flow
---------------------------------------------------------------------------------------------------
  Content matching objectives and audience
---------------------------------------------------------------------------------------------------
  Consistent leveling among topics
---------------------------------------------------------------------------------------------------
  Formatting consistency
---------------------------------------------------------------------------------------------------
  Inclusion of appropriate on-the-job examples
---------------------------------------------------------------------------------------------------
  Hands-on activities adequate to help students reinforce the knowledge and skills needed
  on the job
---------------------------------------------------------------------------------------------------
  Practice Exercises providing step-by-step activities on how to perform specific functions
---------------------------------------------------------------------------------------------------
  Practice Exercises are adequate throughout modules
---------------------------------------------------------------------------------------------------
  Independent Exercises are comprehensive, summary exercises of all functions from one
  lesson or module
---------------------------------------------------------------------------------------------------
  Graphics, charts, diagrams, illustrations are accurate and correct
---------------------------------------------------------------------------------------------------
  Graphics, charts, diagrams, illustrations are appropriately provided where necessary
---------------------------------------------------------------------------------------------------
  Visual aids are provided when necessary
---------------------------------------------------------------------------------------------------
  Student Data Files are complete and correct
---------------------------------------------------------------------------------------------------
  Instructor Notes are complete and accurate
---------------------------------------------------------------------------------------------------
  Pilot Evaluations were utilized and data has been compiled
---------------------------------------------------------------------------------------------------
QUALITY ASSURANCE:
---------------------------------------------------------------------------------------------------
  1st draft edited for grammar, spelling and format
---------------------------------------------------------------------------------------------------
  2nd draft edited for grammar, spelling and format
---------------------------------------------------------------------------------------------------
  Technical writer keystroked
---------------------------------------------------------------------------------------------------
  Instructor Keystroked
---------------------------------------------------------------------------------------------------
  Project tracking sheets maintained and filed for reference
---------------------------------------------------------------------------------------------------
</TABLE>




<PAGE>   15

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 15 OF 15
September 12, 1995



EXHIBIT B (CONTINUED)
PART II: SPECIFIC COMPONENTS CHECKLIST


                        COMPONENT                           COMPLETE
CLIENT ACCEPTANCE (NBD):
   Participant satisfaction
   Participants' expectations were met
   The defined NBD process was followed
JOB AIDS:
   Supplied when necessary
   Provide students with tools to integrate skills on the job
EVALUATIONS:
   Designed to measure how well learning objectives were met
   A plan in place to analyze evaluations, measure results,
   and recommend continuous improvement opportunities
   A plan in place for the post-instruction evaluation




<PAGE>   16

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 16 OF 19
September 15, 1995



EXHIBIT C
INSTRUCTOR EVALUATION FORM

Please see the following page for a detailed description of the Instructor
Evaluation spreadsheet.





<PAGE>   17

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 17 OF 19
September 15, 1995





<TABLE>
<CAPTION>

INSTRUCTOR EVALUATION FORM                               EVALUATOR
INSTRUCTOR'S NAME                                        DATE
CLASS                                                    MANAGER
                  EVALUATION CRITERIA                    STRONGLY AGREE    AGREE     NEUTRAL   DISAGREE   STRONGLY DISAGREE     NA
<S>                                                        <C>             <C>        <C>        <C>           <C>             <C>
COURSE INTRODUCTION
   Introduces housekeeping information                         5             4          3          2              1              0
   Presents agenda                                             5             4          3          2              1              0
   Has students introduce themselves                           5             4          3          2              1              0
   Asks for student expectations                               5             4          3          2              1              0
   States course objectives                                    5             4          3          2              1              0
INSTRUCTOR PROFESSIONALISM
   Professional Grooming                                       5             4          3          2              1              0
   Greets students                                             5             4          3          2              1              0
   Uses positive body language                                 5             4          3          2              1              0
INSTRUCTOR'S ENERGY
   Voice is clear, easy to hear                                5             4          3          2              1              0
   Friendly, polite, enthusiastic                              5             4          3          2              1              0
   Voice varies in volume and tempo                            5             4          3          2              1              0
   Posture is appropriate                                      5             4          3          2              1              0
   Moves around room                                           5             4          3          2              1              0
   Appears confident                                           5             4          3          2              1              0
PRESENTATION
   Presentation                                                5             4          3          2              1              0
   Prepares materials before class                             5             4          3          2              1              0
   Writing is legible                                          5             4          3          2              1              0
   Written information can be seen                             5             4          3          2              1              0
   References projection display                               5             4          3          2              1              0
   Verifies students are at proper screen before moving on     5             4          3          2              1              0
   Avoids touching students' computers                         5             4          3          2              1              0
PEOPLE SKILLS
   Maintains eye contact                                       5             4          3          2              1              0
   Uses students' names                                        5             4          3          2              1              0
   Listens to students                                         5             4          3          2              1              0
   Encourages students to ask questions                        5             4          3          2              1              0
   Responds to questions to student's satisfaction             5             4          3          2              1              0
   Periodically asks open-ended questions                      5             4          3          2              1              0
   Pauses for students to respond                              5             4          3          2              1              0
   Records unresolved questions                                5             4          3          2              1              0
   Incorporates work examples into presentation                5             4          3          2              1              0
   References are non-discriminatory                           5             4          3          2              1              0
   Refers back to course objectives during presentation        5             4          3          2              1              0
   Keeps discussion on topic                                   5             4          3          2              1              0
   Understands terminology used                                5             4          3          2              1              0
   Provides guidance to students who fall behind               5             4          3          2              1              0
   Allows students adequate time to complete exercises         5             4          3          2              1              0
   Gives positive feedback                                     5             4          3          2              1              0
   Summarizes objective before moving ahead                    5             4          3          2              1              0
TIMING
   Starts class on time                                        5             4          3          2              1              0
   Starts class after breaks on time                           5             4          3          2              1              0
   Adjusts the pacing to fit students' needs                   5             4          3          2              1              0
   Ends class on time                                          5             4          3          2              1              0
   Is available before and after class                         5             4          3          2              1              0
ADDITIONAL COMMENTS
CERTIFICATION
   Is the instructor certified to train this class?            Y             N
   If no, what are the recommendations to attain certification
</TABLE>





<PAGE>   18

NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 18 OF 19
September 15, 1995


EXHIBIT D
CLOSED ENROLLMENT AND OPEN ENROLLMENT
PRICING AND SPECIAL TERMS

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------
                                                                                             COST
                                                                   -------------------------------------------------------
                                                                     CLIENT SITE     VENDOR SITE       CLIENT SITE
                                                                   -------------------------------------------------------
                           DESCRIPTION(1)                          CLIENT EQUIPMENT  VENDOR EQUIPMENT  VENDOR EQUIPMENT(2)
--------------------------------------------------------------------------------------------------------------------------
<S>                                                                  <C>               <C>               <C>
                         CLOSED ENROLLMENT
----------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------
                     COST FOR 1001 + STUDENTS
--------------------------------------------------------------------------------------------------------------------------
8 hour class, per student                                                   75.00             95.00              75.00
--------------------------------------------------------------------------------------------------------------------------
4 hour class, per student                                                   50.00             65.00              50.00
--------------------------------------------------------------------------------------------------------------------------
2 hour class, per student                                                   35.00             45.00              35.00
--------------------------------------------------------------------------------------------------------------------------
Two 4 hour classes or four 2 hour classes, per day per site (Group)        575.00            750.00             575.00
--------------------------------------------------------------------------------------------------------------------------
One 4 hour class or two 2 hour classes, per day per site (Group)           375.00            495.00             375.00
--------------------------------------------------------------------------------------------------------------------------
Premium for services outside of regular business hours (i.e., 8:00
a.m. - 5:00 p.m., Monday - Friday), not to exceed a premium of
30%.
--------------------------------------------------------------------------------------------------------------------------
                     OPEN ENROLLMENT (INACOM)
--------------------------------------------------------------------------------------------------------------------------
8 hour class, per student                                                                                       110.00
--------------------------------------------------------------------------------------------------------------------------
                          OTHER SERVICES
--------------------------------------------------------------------------------------------------------------------------
Executive Training and Consultation for specific training needs,
per hour(3)                                                                 40.00             40.00              40.00
--------------------------------------------------------------------------------------------------------------------------
Tutorial Services Including Travel (6 x $95)                               570.00            570.00             570.00
--------------------------------------------------------------------------------------------------------------------------
Documentation and Consultation fee, per hour                                40.00
--------------------------------------------------------------------------------------------------------------------------
Room Rental Only, per day per site                                                           495.00
--------------------------------------------------------------------------------------------------------------------------
</TABLE>




_________________________
1
 Unless otherwise requested or approved by NBD, class enrollment will be limited
 to a maximum of 12 students.
2
 Equipment will be charged at cost by NTT.
3
 Two hour minimum.



<PAGE>   19
NBD/NTT END USER COMPUTER TRAINING AGREEMENT, PAGE 19 OF 19
SEPTEMBER 15, 1995


EXHIBIT E
NATIONAL TECHTEAM, INC.
TRAINING CENTER AND TRAINING HUB LOCATIONS

NATIONAL TECHTEAM TRAINING CENTER AND TRAINING HUB LOCATIONS.  Travel expenses
for training provided more than 60 miles from a Hub Location are billable as an
additional charge.

  Chicago, IL(4)
  Columbus, OH
  Dearborn, MI
  Flint, MI
  Fort Wayne, IN
  Grand Rapids, MI(4)
  Indianapolis, IN(4)
  Lansing, MI
  London, UK(4)
  Merrillville, IN(4)
  Saginaw, MI
  Southfield, MI(4)
  Troy, MI(4)

CLASS REGISTRATION TELEPHONE NUMBER:  1 (800) 443-4907


_____________________________
4 NTT Training Hub Location.