<PAGE>

                                                                  EXHIBIT 10.20

                              TERMINATION AGREEMENT

         This Termination Agreement dated as of May 28, 1999 (this "Agreement")
by and among Spectrum Information Technologies, Inc. doing business as
Siti-Sites.com, a Delaware corporation ("Siti"), Minutemeals.com, Inc., a
Delaware corporation ("MM"), and Joseph Langhan and Donald Moore (each an
"Individual" and collectively, the "Individuals").

         Whereas, the Individuals, MM and Siti have determined it is in their
best interests to terminate the Investment and Business Development Agreement
dated March 19, 1999, among MM, the Individuals, and Siti;

         Now, therefore, in consideration of the mutual covenants and agreements
set forth herein, the parties hereby agree as follows:

1.       The Investment and Business Development Agreement of March 19, 1999,
         and all related agreements and understandings among the parties
         (collectively the "Prior Agreement") is hereby terminated in all
         respects, except for the mutually beneficial covenants hereinafter
         listed.

2.       The Individuals shall deliver to Siti on June 1, 1999, a check payable
         to Siti for $23,000 from the MM corporate account representing all
         funds remaining from Siti's previous $105,000 payment for development
         of the MM business. MM shall keep $82,000 of the initial $105,000
         payment and the computer equipment supplied by Siti to MM's business,
         without obligation.

3.       Siti hereby surrenders and relinquishes its 20 MM shares of common
         stock, and agrees that it has no further interest in the business of
         MM, and the Escrow Agent is instructed to deliver the MM share
         certificate hereby relinquished to MM on June 1, 1999 together with all
         other agreements and documents in termination of the Prior Agreement's
         escrow arrangements. All other obligations of Siti with respect to
         stock issuances or any payments to the Individuals or MM, are hereby
         terminated.

4.       The confidentiality obligations set forth in paragraph 5(b) of the
         Prior Agreement shall remain in effect to the extent that Siti shall
         keep confidential and not use for its own account the trade secrets,
         know-how and other proprietary information and materials of the
         business of MM and the Individuals; and the Individuals and MM shall
         similarly keep confidential and not use for their own account the trade
         secrets, know-how and other proprietary information and materials of
         the business of Siti which they have acquired in their consulting
         activities with Siti.

5.       There are no claims, obligations or liabilities of any kind among the
         parties, other than as set forth herein and except for the payments,
         deliveries and confidentiality covenants set forth above, Siti releases
         the Individuals and MM, and the Individuals and MM release Siti from
         any claims, liabilities or obligations, or causes of action, suits,
         damages, expenses (including attorneys' fees) costs, interests fees,
         debts, demands of any kind or character whether in law or in equity
         from the beginning of time through the date of this


<PAGE>

         Agreement except that MM and the Individuals do not release Siti from
         its obligation to make the initial payment of $105,000 to MM, which
         amount MM and the Individuals agree was paid by Siti.

         In Witness Whereof, the parties have executed this Agreement as of the
         day and year first written above.

         Spectrum Information Technologies, Inc.          Minutemeals.com, Inc.
         d/b/a Siti-Sites.com

<TABLE>

         <S>                                              <C>
         By:/s/ LAWRENCE M. POWERS                        By:/s/ JOSEPH LANGHAN
            ----------------------------------               -----------------------------
                Lawrence M. Powers, Chairman/CEO              Joseph Langhan, President
                                                              by Catherine Gorecki, his
                                                              attorney-in-fact


          /s/ JOSEPH LANGHAN                              /s/ DONALD MOORE
         -------------------------------------            --------------------------------
         Joseph Langhan                                   Donald Moore
         by Catherine Gorecki, his attorney-in-fact       by Catherine Gorecki, his
                                                          attorney-in-fact

</TABLE>