Exhibit 10.2



                             Mr. Lawrence M. Powers
                                  Powers & Co.
                                  47 Beech Road
                           Englewood, New Jersey 07631

                                 October 5, 1999

Spectrum Information Technologies, Inc.
594 Broadway, Suite 1001
New York, New York 10012

         Re:   Stock Purchase Agreement

Gentlemen:

     Pursuant to the Stock  Purchase  Agreement  dated July 26, 1999 (the "Stock
Purchase Agreement"), I have agreed to purchase 1,000,000 shares of common stock
of Spectrum  Information  Technologies,  Inc. (the "Company"),  and an option to
acquire  500,000  additional  shares  of  common  stock  for  $2.50  per  share,
exercisable  for five  years,  for a total  purchase  price of  $1,250,000  (the
"Purchase Price").  Furthermore,  to obtain office space for the Company and its
subsidiary,  Tropia, Inc. ("Tropia"),  in August, 1999, and other credit, I have
been required to guarantee a $250,000  three-year  lease,  obtain  several of my
personal  credit  cards for use by the  Company's  and  Tropia's  employees  and
advance  nominal  short-term  credit to the  Company  and Tropia  for  equipment
purchases.

     My obligation to purchase the common stock and the option is subject to the
satisfaction of the condition precedent that the Company's stockholders approve,
at the next annual meeting of stockholders (the "Annual Meeting"), (i) the terms
of the  Stock  Purchase  Agreement  and  (ii)  an  amendment  to  the  Company's
certificate  of  incorporation  increasing  the number of  authorized  shares of
common  stock.  Since the Annual  Meeting is not  expected  to occur  until late
November,  1999, you have asked that I consider  making a loan to the Company in
the  amount of the  Purchase  Price  (the  "Loan")  which can be  applied to the
purchase price if approval is obtained at the Annual Meeting.  In  consideration
of the Loan,  the recent lease  guarantee  and my other  extensions of credit to
date, I require the following agreement:

     1.   It   is  agreed  that  I  will  make the Loan to the Company under the
terms,  and upon  satisfaction of the conditions,  set forth below. In the event
such  conditions  are not  satisfied  or waived and the Annual  Meeting  has not
occurred by January 31, 2000, this Agreement shall terminate.

     2.   My  agreement  to  make  the  Loan  to the Company prior to the Annual
Meeting is subject to the satisfaction of the following conditions:

          (a)  all  financing,  joint  venture,  operating  or  other   projects
undertaken  or under  discussion  by the  Company  or Tropia at such  time,  are
acceptable to me;
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          (b)  the nominees for director to be presented to the stockholders  of
the Company for election at the next annual meeting are acceptable to me; and

          (c)  the  officers  of  the  Company and the officers and directors of
Tropia at such time are acceptable to me.

     3.   In  the  event  that the  Company's  stockholders  approve the matters
described above at the Annual Meeting, the principal amount of the Loan shall be
deemed  to be paid to the  Company  on  account  of the  Purchase  Price and the
Company shall be entitled to retain all interest  earned  thereon.  In the event
that the Company's  stockholders  do not approve the matters  described above at
the Annual  Meeting,  or if the Annual  Meeting has not  occurred by January 31,
2000,  the principal  amount of the Loan,  together  with all interest  thereon,
shall be promptly repaid to me in full satisfaction of the Loan.

     4.   In  contemplation  of  the  Loan  I  have placed short-term government
securities  with an aggregate  face amount of $1,250,000  into an account in the
name of the Company.  The Company acknowledges that I have not yet made the Loan
and that such funds shall not  constitute  Company  property  unless and until I
notify the Company,  in writing,  that the  conditions set forth above have been
satisfied or waived. The Company further  acknowledges that unless and until the
Loan is made, I shall have  control  over,  and the right to make all  decisions
with respect to the  investment or  disposition  of such  short-term  government
securities, including the right to transfer them to another account. The Company
shall cooperate with me in all reasonable  respects to effectuate any decision I
may make with respect to such short-term government securities,  or the proceeds
thereof,  while under my  control,  or to transfer  such  short-term  government
securities,  or the  proceeds  thereof,  out  of the  Company's  name  upon  the
termination of this Agreement.

     If the foregoing is acceptable,  please execute a copy of this letter where
indicated below and return it to me.

                                                   Very truly yours,




ACKNOWLEDGED AND AGREED TO AS
OF THIS 5th DAY OF OCTOBER, 1999:

SPECTRUM INFORMATION TECHNOLOGIES, INC.


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