Document:

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EXHIBIT 10.18 -- EMPLOYMENT AGREEMENT

                             CONTRACT OF EMPLOYMENT
                                  FOR EMPLOYEES

Between the undersigned parties:

         NATIONAL TECH TEAM EUROPE N.V.

         with its registered office established at:

         Medialaan 1

         1800 VILVOORDE

         represented by Mr Jon AHLBRAND, Marketing & Sales Manager,

         Director

         And Mr Johan TIELEMANS, Director,

         hereinafter referred to as "the employer",

and

         Christoph NEUT

         Lambermontplaats 36

         2000 ANTWERP

         hereinafter referred to as "the employee",

The following is agreed:

                                    Article 1

The employer takes the employee into its employment as Senior Program Manager in
its operating office at Medialaan 1, 1800 Vilvoorde.

                                    Article 2

The contract of employment is concluded for an indefinite period, starting on 1
November 1996 and commencing with a trial period of six (6) months. During the
trial period and upon completion of the first month, either party may terminate
the contract of employment at any time, subject to observance of a period of
notice of seven (7) days.

Article 3

The monthly gross salary shall amount to BEF 140,000, and this shall be solely
payable by transfer into a financial account or by means of a circular cheque.

                                    Article 4

The working time shall amount to 38 hours a week. The work to be performed shall
be rendered in accordance with the necessities of the department.

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Article 5

It is expressly agreed that, but for any provisions to the contrary, any other
emoluments or bonuses that the employer may grant to the employee on an
exceptional or periodic basis, over and above the above-mentioned salary, shall
constitute gifts and shall therefore never result in any rights coming into
being for the future.

Article 6

In the event of illness or accident, the employee is obliged to notify the
employer or the latter's designated deputy immediately, and if possible by
telephone before 10.00 a.m., indicating the length of time he will be unfit for
work. In addition to this, the employee shall send in or hand over the doctor's
certificate within two working days of commencement of the incapacity. These
same obligations shall be incumbent upon the employee in the event of
prolongation of the incapacity.

Article 7

Correspondence and copies of correspondence, as well as documentation and copies
of reports, that originate from the employer, shall at all times remain the
employer's property. All documents that the individual receives in his capacity
as an employee should be returned when the employee leaves the employer's
employ.

Article 8

The employee shall render services solely and exclusively for the employer and
shall not participate, either directly or indirectly, in any other company, or
set up his own business, without the employer's prior written consent. He shall
also refrain from carrying out or taking part in any act of unfair competition
or jeopardising the good name and reputation of the employer's firm.

Article 9

The employee agrees that the results of all work, studies and research shall be
the property of the employer, who shall be the sole owner of all software,
inventions, discoveries, patents, procedures, improvements, copyright, know-how,
industrial and other drawings and models, as well as all other industrial
property or intellectual rights which are in any way related to the employer's
business, and which the employee invents, designs or makes use of, alone or with
others, during the course of the contract of employment. The remuneration fixed
in the contract is established taking account of the results of the employee's
work, so that no additional compensation shall be payable to him on account of
the aforementioned industrial and intellectual property rights.

Article 10

The employee must treat as confidential information all industrial and
production secrets, including business secrets, sales and marketing information,
technical, commercial and financial information, payroll data, software details
and all other information of any nature whatsoever, that are directly or
indirectly connected with the employer's business and are divulged to the
employee, even by third parties, or with which the employee becomes acquainted
during his employment. The employee undertakes, both during and after the end of
his employment, to keep such data secret and to refrain from disclosing them in
any way, or using them in any manner to his own or anyone else's advantage,
except in the context of the assignment entrusted to him by the employer.

In the event of any disputes, the courts of Brussels shall be competent.

Drawn up in duplicate in Vilvoorde on 2 October 1996, with each party
acknowledging having received its copy.

For the employer,                                    The employee,

signed                                               signed

Jon AHLBRAND                                         Christoph NEUT

Director                                             Lambermontplaats 36

                                                     2000 ANTWERP

                                       77

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Johan TIELEMANS

Director

signed

APPENDIX NO. 1 TO THE CONTRACT OF EMPLOYMENT DATED 2.10.1996 BETWEEN NATIONAL
TECH TEAM EUROPE N.V. AND MR CHRISTOPH NEUT

1)       All costs usefully incurred further to the execution of the contract
         shall be reimbursed upon presentation of the documents in proof (i.e.
         receipts).

2)       Insofar as the employee has reached the age of 25, the employer shall
         conclude a group insurance policy in favour of the employee, to the
         value of 3% of the annual salary, the premium of which shall be paid to
         the tune of two-thirds (2/3) by the employer and to the tune of one
         third (1/3) by the employee.

3)       In the context of the position of Senior Program Manager and the
         considerable degree of travel that goes with his position, the employer
         places a company car at the employee's disposal. By way of a personal
         contribution, the employee shall pay 25% of the costs related thereto.

4)       The employer shall take out a hospitalisation insurance policy on
         behalf of the employee. This policy can be extended, subject to a
         monthly contribution per insured party, to include members of the
         family or a cohabiting partner.

Drawn up in duplicate in Vilvoorde on 2 October 1996, with one copy for each
party.

For the employer,                                    The employee,

signed                                               signed

Jon AHLBRAND                                         Christoph NEUT
Director                                             Lambermontplaats 36

                                                     2000 ANTWERP

signed

Johan TIELEMANS
Director

                                       78exv10wd

 

Exhibit 10-D

     
SUPPORT AGREEMENT dated as of August 13,
2002 (this “Agreement”) between FORD MOTOR CREDIT
COMPANY, a Delaware corporation (“Ford Credit”) and
FCE BANK PLC, a corporation organized under the laws of England
(“FCE Bank”) Ford Credit is an indirect wholly owned
subsidiary of Ford Motor Company (“Ford”). Ford Credit
International, Inc. (“FCII”) a wholly owned subsidiary
of Ford Credit, owns a 100% ownership interest in FCE Bank. FCE
Bank’s primary business is to support the sale of Ford
vehicles in Europe through the Ford dealer network. In order to
facilitate FCE Bank’s continued support of Ford’s
sales in Europe, Ford Credit and FCE Bank agree as follows:

		
	 	     
    1. The terms of this Agreement shall
    commence on January 1, 2003 and terminate by its terms,
    unless otherwise extended by the parties hereto in writing, at
    the close of business on December 31, 2005.
    
	 
	 	     
    2. Ford Credit shall, at all times during
    the term of this Agreement, maintain, either directly or
    indirectly through one or more subsidiaries, a control interest
    of not less than 75% of the capital of FCE Bank.
    
	 
	 	     
    3(a). Ford Credit shall make a payment
    contribution, to the extent required, to FCE Bank for each
    quarterly accounting period during the term of this Agreement in
    an amount sufficient to cause the net worth (paid-in capital
    plus retained earnings) of FCE Bank for such calendar quarter,
    as shown on the financial statements on a U.S. basis (prepared
    in accordance with U.S. generally accepted accounting
    principles) of FCE Bank for such quarter, to be not less than
    US$500 million. Such payment contribution, if required, will be
    made not later than 30 days after the end of such quarterly
    accounting period.
    
	 
	 	     
    3(b). In the event that Ford Credit shall
    have made a contribution to FCE Bank under paragraph 3(a)
    with respect to any quarterly accounting period of, and FCE Bank
    thereafter shall have, at the end of the calendar year in which
    the contribution has been made, a net worth in excess of
    US$500 million after giving effect to any dividends paid by
    FCE Bank to its shareholders during or at the end of such year,
    then FCE Bank shall, at Ford Credit’s discretion, make a
    repayment to Ford Credit equal to the lesser of (i) such
    excess or (ii) the aggregate of any contribution made by
    Ford Credit to FCE Bank under paragraph 3(a) during such
    year.
    
	 
	 	     
    4. FCE Bank shall continue to make wholesale
    inventory and retail financing accommodations generally
    available to dealers in vehicles manufactured or sold by Ford
    and other manufacturers and to their customers during the term
    of this Agreement to no less an extent than such services were
    made available during 1999 by the companies or businesses that
    are now included as part of FCE Bank.
    
	 
	 	     
    5. All determinations hereunder shall be
    made in accordance with U.S. generally accepted accounting
    principles.
    
	 
	 	     
    6. This Agreement contains the entire
    agreement between the parties hereto with respect to the
    transactions contemplated hereby and shall supersede all prior
    agreements between the parties hereto with respect to the
    subject matter hereto.
    
	 
	 	     
    7. This Agreement shall be governed by and
    construed under the laws of England.
    
	 
	 	     
    8. The terms of this Agreement shall not be
    waived, altered, modified, amended, supplemented or terminated
    in any manner whatsoever except by a written instrument signed
    by each of the parties hereto, provided, however, that Ford
    Credit unilaterally, may orally waive any obligation of FCE Bank
    to make a repayment under paragraph 3(b) hereof.
    
	 
	 	     
    9. No person shall have any right by virtue
    of the Contracts (Rights of Third Parties) Act 1999 to
    enforce any term (express or implied) of this Agreement.
    

10-1

 

     
IN WITNESS WHEREOF, the parties hereto have
caused this Agreement to be fully executed as of the day and
year first above written.

		
	 	
    FORD MOTOR CREDIT COMPANY
    

			
	 	By:	
    /s/ DAVID COSPER
    

		
	 	
    _______________________________________
    
	 	
    Dave Cosper
    
	 
	 	
    FCE BANK PLC
    

			
	 	By:	
    /s/ SCOTT STEVENS
    

		
	 	
    _______________________________________
    
	 	
    Scott Stevens
    

10-2

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