Document:

Exhibit 10.13
                               PUBLICITY AGREEMENT

     THIS  AGREEMENT  ("Agreement"),  dated  November  17, 2003, is entered into
between  Capital  Financial Media, Inc. ("Publisher") with an address at 120A NE
5th  Avenue, Delray Beach, FL 33483; and Spectrum Sciences and Software Holdings
Corp.  (the  "Company") with an address at 91 Hill Avenue NW, Fort Walton Beach,
Florida  32548.  (Publisher and Company are individually referred to herein as a
"Party"  or  collectively  referred  to  herein  as  the  "Parties").

                                   WITNESSETH:

     WHEREAS,  Company is publicly held, with its common stock currently trading
on  the  Pinksheets.

     WHEREAS,  Company desires to be publicized with the intention of making its
name  and  business  better  known  to  potential  shareholders.

WHEREAS,  Publisher  is  in  the  business  of  public  relations,  direct  mail
advertising  and  other  related  activities.

     WHEREAS,  Company  desires  to engage Publisher to assist it in publicizing
its  business  activities.

     NOW  THEREFORE,  in consideration of the mutual covenants and agreements of
each  to  the  other  as set forth herein, both Parties hereby agree as follows:

1.   ENGAGEMENT.  Company  hereby engages Publisher, and Publisher hereby agreed
to  be  engaged,  to prepare an advertising/advertorial product that prominently
features a report on Company (the "Product"), in substantially the form attached
hereto  as  Exhibit "A"; and, further, to distribute the Product to no less than
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Five  Hundred  Thousand (500,000) US residents.  Such distribution shall be made
in  accordance  with  the  following  schedule:

     (a)     Publisher  shall  mail the Product to 225,000 US residents upon its
receipt  of  $225,000,  which  $225,000 shall be paid to Publisher in accordance
with  Section  5  of  this  Agreement.  Such  distribution shall conclude on the
seventh  (7th)  calendar  day  from Publisher's receipt of this installment; and

     (b)     Publisher shall mail the Product to  275,000  US residents upon its
receipt  of  $275,000,  which  $275,000 shall be paid to Publisher in accordance
with  Section  5  of  this  Agreement.  Such  distribution shall conclude on the
seventh  (7th)  calendar  day  from  Publisher's  receipt  of  this installment.

2.  ASSISTANCE.  Company  acknowledges Publisher will prepare and distribute the
Product.  Publisher  agrees  to  assist  in  additional  advertising/advertorial
report  mailings,  as  requested,  based upon additional production budgets. All
advertising/advertorial  disseminations  sponsored  by  Company  will  be  fully
disclosed  as paid advertising (disclosing the amount and nature of compensation
and  associated costs of the program as provided for by applicable US Securities

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Acts  and  other  Regulations.)

3.   PREPARATION  OF  REPORT.  Before  the mailing of the Product, Company shall
have  an  opportunity to review the information contained therein to ensure that
such  information  is  true,  correct  and not misleading at that time.  Company
shall  provide  Publisher  with  any  changes  to the Product on a timely basis.

4.  COMPANY REVIEW.  No material about Company shall be distributed by Publisher
unless  and  until  Company  has  reviewed  and  approved same. Company will act
diligently  and  promptly in reviewing materials submitted to it by Publisher to
enhance  timely  distribution  of  the  materials  and will inform Publisher, in
writing,  of  any  inaccuracies  contained in the material prepared prior to the
projected publication and/or delivery dates. Company will acknowledge in writing
that  the  material  is  acceptable  (as  corrected,  if  applicable).

5.   PROGRAM  COST  AND DELIVERY SCHEDULE.  In consideration for the services to
be  performed  by  Publisher  and  the  various  vendors  and sub-contractors as
described  herein,  Publisher will be paid $500,000 (the "Consideration"), which
includes  reasonable  allowance  for Publisher's overhead and creative direction
incurred  in  connection  with performance of this Agreement.  The Consideration
shall  be  paid  as  follows:

(1)     Seventy  Five  Thousand  ($75,000)  dollars  due within five days of the
execution  of  this  Agreement, which shall be a non-refundable initial deposit;
and

(2)     Four  Hundred  Twenty  Five  Thousand  ($425,000)  dollars to be paid in
accordance  with  Schedule  A  of  that  certain agreement dated as of even date
herewith,  entered  into  by  Publisher  and  a  third  party  (the  "Secondary
Agreement");  and

(3)     An  equity compensation component to be paid in accordance with Schedule
B  of  the  Secondary  Agreement.

It  is  the  intention  of  the  Parties, and the Parties herein agree, that the
Secondary  Agreement  shall  be  entered into to obligate a third party for that
amount  of  Consideration which exceeds Seventy Five Thousand ($75,000) dollars.

6.  PUBLISHER  DISCLAIMER.  PUBLISHER  MAKES  NO  REPRESENTATION  THAT:  (A) ITS
PUBLICATION  AND  DISTRIBUTION OF THE PROGRAMS WILL RESULT IN ANY ENHANCEMENT TO
THE  COMPANY,  (B)  THE  PRICE  OF THE COMPANY'S PUBLICLY TRADED SECURITIES WILL
INCREASE, (C) ANY PERSON WILL BECOME A SHAREHOLDER IN COMPANY AS A RESULT OF THE
DISTRIBUTION  OR  (D)  ANY  PERSON  WILL LEND MONEY TO OR INVEST IN THE COMPANY.

7.  LIMITATION  OF  PUBLISHER  LIABILITY.  If  Publisher  fails  to  perform its
services  hereunder, its entire liability to Company shall not exceed the lesser
of: (a) the amount of cash payment Publisher has received from Company excluding
any  non-refundable  deposits and or (b) the actual and direct damage to Company
as  a  result  of such non-performance. IN NO EVENT WILL PUBLISHER OR PARTNER BE
LIABLE  FOR  ANY  INDIRECT,  SPECIAL  OR CONSEQUENTIAL DAMAGES NOR FOR ANY CLAIM
AGAINST  COMPANY  BY  ANY PERSON OR ENTITY ARISING FROM OR IN ANY WAY RELATED TO
THIS  AGREEMENT.

8.  OWNERSHIP  OF  MATERIALS.  All right, title and interest in and to materials

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to be produced by Publisher in connection with the services to be rendered under
this  Agreement  shall  be  and  remain  the  sole and exclusive property of it.

9.   CONFIDENTIALITY.  Until  such  time  as the same may become publicly known,
Publisher  agrees  that  any  information  provided  to  it  by  Company  of  a
confidential  nature  will not be revealed or disclosed to any person or entity,
except in the performance of this Agreement, and upon completion of its services
and  upon  the  written  request to it. Notwithstanding the foregoing, Publisher
shall  be liable for any revelation of confidential information that arises from
sources  other  than  directly  from  the  beneficial owners of Publisher, being
recognized  and  understood that in the course of performance of this Agreement,
many  persons  will  have  to  receive  access  to  such  materials.

10.  NOTICES.  All  notices  hereunder  shall be in writing and addressed to the
party  at  the  address  herein set forth, or at such address as to which notice
pursuant  to this section may be given, and shall be given by personal delivery,
by  certified  mail  (return  receipt  requested),  Express Mail, or by national
overnight  courier.  If  Company  is  a  non-resident  of the United States; the
equivalent services of the postal system of the Company's residence may be used.
Notices  will  be  deemed  given upon the earlier of actual receipt or three (3)
business  days  after  being  mailed  or  delivered  to  such  courier  service.

NOTICES  SHALL  BE  ADDRESSED  TO  PUBLISHER  AT:

     Capital  Financial  Media,  Inc.
     Attn:  Brian  Sodi
     120A  NE  5th  Avenue.
     Delray  Beach,  FL  33483
     Telephone:  (561)  272-0460
     Facsimile:  (561)  278-2521

AND  TO  COMPANY  AT:

     Spectrum  Sciences  and  Software  Holdings  Corp.
     91  Hill  Avenue  NW
     Fort  Walton  Beach,  Florida  32548
     Telephone:  (850)  796-0909
     Facsimile:  (850)  796-0924

Such  addresses  and  notices  may  be  changed  at  any time by either party by
utilizing  the  foregoing  notice procedures.  Any notices to be given hereunder
will  be  effective  if  executed  by  and sent to the attorneys for the parties
giving such notice, and in connection therewith the parties and their respective
counsel  agree  that  in giving such notices counsel may communicate directly in
writing  with  such  parties  to  the  extent  necessary  to  give  such notice.

11.  COMPLIANCE  WITH  LAW.  Publisher  shall  have  no  obligation  to send any
mailings  to  residents  of  States of the United States of America in which the
common  stock  of  Company  cannot  be  secondarily traded on a solicited basis.
Company  and  Publisher will agree upon the States to which the mailings will be
directed.

12.  MISCELLANEOUS.

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(A)     Governing  Law.  This  Agreement  shall be governed by and construed and
        ---------------
enforced  in  accordance with the internal laws of the State of New York without
regard  to  the  principles  of  conflicts  of  law  thereof.  Each party hereby
irrevocably  submits  to the non-exclusive jurisdiction of the State of New York
for  the adjudication of any dispute hereunder or in connection herewith or with
any  transaction contemplated hereby or discussed herein, and hereby irrevocably
waives,  and  agrees  not to assert in any suit, action or proceeding, any claim
that it is not personally subject to the jurisdiction of any such court, or that
such  suit,  action  or  proceeding  is  improper.

(B)     Venue.  Any  litigation  under this Agreement shall have as its sole and
        ------
exclusive  venue the appropriate state or federal courts sitting in the State of
New  York.

(C)     Multiple  Counterparts.  This  Agreement  may  be  executed  in multiple
        -----------------------
counterparts,  each  of  which  shall  be  deemed  an  original. It shall not be
necessary  that each party execute each counterpart, or that any one counterpart
be  executed by more than one party, so long as each party executes at least one
counterpart.

(D)     Separability.  If  any  one  or more of the provisions of this Agreement
        -------------
shall  be  held  invalid,  illegal,  or  unenforceable,  and  provided that such
provision  is  not  essential to the transaction provided for by this Agreement,
such  shall  not  affect any other provision hereof, and this Agreement shall be
construed  as  is  such  provision  had  never  been  contained  herein.

(E)     Regulatory  Acceptance.  If  the stock of Company is listed on a foreign
        -----------------------
exchange(s),  this  Agreement  shall  be  subject  to  its  acceptance  by  such
exchange(s)  to  the  extent  required  by  the  rules  of  such  exchange(s).

(F)     Presumption  Against Draftsman.  The parties acknowledge that each party
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and  its  counsel  have  participated in the negotiation and preparation of this
Agreement.  This  Agreement shall be construed without regard to any presumption
or  other rule requiring construction against the party causing the Agreement to
be  drafted.

(G)     The  duties  and obligation of Company shall inure to the benefit of the
Publisher.

                             SIGNATURE PAGE FOLLOWS

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IN  WITNESS  WHEREOF,  this  Agreement  is executed as of the day and year first
above  written.

CAPITAL  FINANCIAL  MEDIA,  INC.            SPECTRUM  SCIENCES  AND  SOFTWARE
HOLDINGS  CORP.

By:     /s/  Brian  Sodi                    By:     /s/  Nancy  Gontarek
        ----------------                            --------------------
        Name:   Brian  Sodi                         Name:   Nancy  Gontarek
        Title:  President                           Title:  Secretary

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<PAGE><PAGE>

Exhibit 10.64

CIT Business Credit                               T:    312 424-9700
Ten South LaSaIle Street                          F:    312 424-9740
Chicago, IL 60603

                                                    January 17, 2003

VIA TELECQPIER
--------------

Mendocino Brewing Company, Inc.
1610 Airport Road
Ukiah, California 95482

     RE:  Loan and Security Agreement dated as of September 24, 1998, as amended
          (the "Loan Agreement") between Mendocino Brewing Company, Inc. and
          Releta Brewing Company LLC (collectively, "Borrower") and The CIT
          Group/Business Credit, Inc., as successor to The CIT Group/Credit
          Finance, Inc. ("CJT")

Ladies and Gentlemen:

     Reference is made to the Loan Agreement. Capitalized terms used in this
letter and not specifically defined herein shall have the meanings given to such
terms in the Loan Agreement.

     1. New Term Loan. Borrower has requested that CIT make a new term loan to
Borrower in the principal amount of $403,740.86 (the "New Term Loan"). CIT has
agreed to make the New Term Loan to Borrower by consolidating the New Term Loan
with the existing Term Loan made to Borrower under Section 10.2(a) of the Loan
Agreement on or about September 24, 1998, which has an outstanding principal
balance of $346,259.14 as of the date hereof. In order to evidence this
consolidation, CIT and Borrower agree to amend and restate Section 10.2(a) in
its entirety to read as follows:

               "(a) A Term Loan shall be made to Borrower on or about January
          17, 2003 in the amount of $750,000, which consists of an original Term
          Loan having an outstanding principal balance of $346,259.14 as of such
          date and a new term loan of $403,741.86 to be made on or about such
          date. The principal amount of this Term Loan shall be repaid in
          immediately available funds in thirty (30) equal consecutive monthly
          installments of $24,732.80 each, with a final payment of $8,016.00,
          due and payable commencing February 1, 2003 and on the first day of
          each month thereafter, provided that notwithstanding the foregoing,
          the unpaid principal balance thereof shall be due and payable in full
          on the expiration of any Term or the termination of this Agreement, if
          earlier."

     The outstanding principal balance of the existing Term Loan made under
Section 10.2(a) of the Loan Agreement shall remain outstanding and shall not be
deemed to have been repaid by the making of the New Term Loan.

<PAGE>

Mendocino Brewing Company, Inc.
January 17, 2003
Page 2

     2.   Other Amendments. This letter shall confirm the agreement of CIT and
Borrower to amend the Loan Agreement in the following manner:

     (a)  Section 9.1 is amended and restated in its entirety to read as
          follows:

          "Term. This Agreement shall only become effective upon execution and
          delivery by Borrower and Lender and shall continue in full force and
          effect for the term set forth in paragraph 10.7 from the date hereof
          (the "Term")."

     (b)  Section 10.1(a) is amended and restated in its entirety to read as
          follows:

"(a) Maximum Credit:

$3,500,000".

     (c)  Section 10.1(c) is amended and restated in its entirety to read as
          follows:

"(c) Inventory Sublimit (~ 2.1(b)):

$1,500,000".

     (d)  Section 10.4(d) is amended and restated in its entirety to read as
          follows:

"(d) Facility Fee:

          0.50% of the Maximum Credit, fully earned on January 17, 2003, but due
                and payable in ten equal installments of $1,750 each commencing
                on February 1, 2003 and on the first month of each month
                thereafter through November 1, 2003".

     (e)  Section 10.7 is amended and restated in its entirety to read as
          follows:

     "Term:

                               The Term expires on November 30, 2003".

          3.   Conditions and Other Matters.

     (a)  Borrower agrees to pay to CIT a fee of $10,000 as consideration for
CIT's agreement to make the New Term Loan to Borrower and amend the Loan
Agreement in the manner set forth above, and CIT shall charge such fee to
Borrower's revolving loan account on the date that CIT makes the New Term Loan
to Borrower.

     (b)  On or before May 31, 2003, Borrower shall have delivered to CIT copies
of the agreement (the "Tax Payment Agreement") between Borrower and Mendocino
County for the

<PAGE>

Mendocino Brewing Company, Inc.
January 17, 2003
Page 3

payment of past due real estate taxes owed by Borrower to Mendocino County, and
such agreement shall be satisfactory to CIT in its reasonable discretion.

     (c) On the date that CIT makes the New Term Loan to Borrower, (i) Borrower
agrees to repay in full all existing "Overadvances" ($25,000 as of the date
hereof) provided by CIT to Borrower under the letter agreement dated as of
September 5, 2001, and (ii) CIT will deduct Reserves of $130,000 pursuant to
Section 2.1(f) of the Loan Agreement. Concurrently with or immediately after
Borrower pays in full the first installment of real estate property taxes due on
or about May 2003 to Mendocino County pursuant to the Tax Payment Agreement, CIT
agrees to release said Reserves; provided that no Default or Event of Default
exists which has not been waived by CIT.

     (d) Within 30 days of the date of this letter, Borrower and CIT agree to
establish one or more lockboxes and collateral proceeds accounts for the
collection of the proceeds of the Collateral pursuant to Section 5.1 of the Loan
Agreement; and Borrower, CIT and the applicable financial institution(s) shall
execute lockbox and collateral account agreements in form and substance
satisfactory to CIT.

     (e) In order to induce CIT to make the New Term Loan to Borrower, Borrower
hereby represents and warrants to CIT that:

     (i) the execution, delivery and performance by Borrower of this letter is
     within Borrower's corporate power and has been duly authorized by all
     necessary corporate action;

     (ii) this letter and the Loan Agreement, as amended by this letter, are the
     legal, valid and binding obligations of Borrower, enforceable against
     Borrower in accordance with their terms; and

     (iii) no Event of Default exists as of the date hereof, and all of the
     representations and warranties contained in the Loan Agreement are true and
     correct as of the date hereof, except to the extent that such
     representations and warranties relate solely to an earlier date, in which
     case such representations and warranties were true and correct as of such
     earlier date.

     (f) THIS LETTER IS A CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL LAWS
OF THE STATE OF ILLINOIS. Wherever possible, each provision of this letter will
be interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this letter is prohibited by or invalid under such law,
such provision will be ineffective only to the extent of such prohibition or
invalidity, without invalidating the remainder of such provision or the
remaining provisions of this letter. This letter may be executed in any number
of counterparts and by the different parties on separate counterparts and each
such counterpart is deemed to be an original, but all such counterparts together
constitute but one and the same letter. This letter is binding upon Borrower,
CIT and their respective successors and assigns, and inures to the benefit of
Borrower, CIT and their respective successors and assigns.

<PAGE>

Mendocino Brewing Company, Inc.
January 17, 2003
Page 4

(f) Borrower's non-compliance with any of the provisions of this letter
agreement, including without limitation paragraphs 3(a), 3(b), 3(c), and 3(d),
shall constitute an Event of Default under the Loan Agreement.

Except as expressly modified by this letter, all terms and provisions of the
Loan Agreement shall remain unmodified and in full force and effect, and shall
apply with such force and effect to this letter.

Please indicate Borrower's agreement to the foregoing by executing this letter
where indicated below. In addition, United Breweries Information Consultancy
Services, Ltd and United Breweries of America, Inc. each must also execute this
letter where indicated below to consent to the making of the New Term Loan and
the other amendments set forth above and to confirm that the foregoing New Term
Loan and other amendments shall not affect, modify or diminish their respective
obligations under (as applicable) the pledge agreement executed by United
Breweries Information Consultancy Services, Ltd. and the subordination agreement
between United Breweries of America, Inc. and CIT, relating to the Loan
Agreement. The amendments to the Loan Agreement set forth in this letter shall
become effective, and CIT agrees to make the New Term Loan to Borrower, upon
CIT's receipt of this letter signed by Borrower and the parties set forth below.

                                               Very truly yours,

                                               THE CIT GROUP/BUSINESS CREDIT,
                                               INC.

                                               By: -sd- BRIAN KUNDICH
                                                                 Title: VP

Agreed to this 17th day of January, 2003:
MENDOCINO BREWING COMPANY, INC.                RELETA BREWING COMPANY LLC
By: -sd- N MAHADEVAN                           By: -sd- YASHPAL SINGH
Title: CFO                                     Title: PRESIDENT

<PAGE>

Mendocino Brewing Company, Inc.
January 17, 2003
Page 5

The undersigned (each, a "Party") hereby consents to the New Term Loan and the
other amendments set forth above and agrees and confirms that the foregoing
amendments to the Loan Agreement shall not affect, modify or diminish such
Party's obligations under (as applicable) the pledge agreement executed for the
benefit of CIT, or the subordination agreement between United Breweries of
America, Inc. and CIT, relating to the Loan Agreement, notwithstanding the
agreement of CIT to make the New Term Loan and the other amendments contemplated
above to Borrower.

                                             UNITED BREWERIES INFORMATION
                                             CONSULTANCY SERVICES, LTD.

                                   By:  -sd-

                                   Name: JAY VALLABH
                                   Title:DIRECTOR

                                             UNITED BREWERIES OF AMERICA, INC.

                                   By: -sd-

                                   Name: ANIL PISHARODY
                                   Title:SECRETARY

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