SPECTRUM SCIENCES & SOFTWARE HOLDINGS INC
PROMISSORY NOTE
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>4
<FILENAME>doc3.txt
<DESCRIPTION>PROMISSORY NOTE
<TEXT>

                                                                    EXHIBIT 10.1

                                 PROMISSORY NOTE

PRINCIPAL:  $450,000.00  USD                             DATED:  JULY  25,  2003

For  value  received,  the  undersigned, SPECTRUM SCIENCES AND SOFTWARE, INC., a
Florida  corporation, hereby promises to pay to BG CAPITAL GROUP LTD., a Bahamas
corporation,  or  order,  on  November  30, 2003, the aggregate principal sum of
$450,000.00  USD  (the  Principal Sum), together with interest at the rate of 8%
per  annum  to  accrue from July 25, 2003 until fully paid, calculated as simple
annual  interest.

The  undersigned  waives  presentment,  demand,  notice  of  dishonor, notice of
default  or  delinquency,  notice  of  acceleration,  notice  of  protest  and
non-payment, notice of costs, expenses or losses and interest thereon, notice of
interest  on  interest  and  diligence  in taking any action to collect any sums
owing under this Note or in proceeding against any of the rights or interests in
or  to properties securing payment of this Note and specifies that time is to be
of  the  essence  of  this  Note.

The undersigned, if not in default under this Note, may prepay all or any amount
owing hereunder, without notice or bonus, upon payment to BG Capital Group LTD.,
or  order,  of interest at the rate aforesaid to the date of such prepayment, on
the  amount  so  prepaid.

If  any  provision of this Note is held to be invalid, illegal or unenforceable,
then such shall not affect or impair the validity, legality or enforceability of
the  remaining  provisions.  In  particular,  the  undersigned  acknowledges and
agrees  that  if  the  cost  of  the  Principal Sum exceeds the rate of interest
permitted under the laws of the State of Florida, then the cost of the Principal
Sum  shall  be deemed to be equal to the maximum rate which will not exceed such
usuary  rate  of  interest.

All  dollar  amounts  referred  to  in  this Note are stated in United States of
America  currency,  unless  otherwise  expressly  stated.

This  Note  is  to  be  construed under and governed by the laws of the State of
Florida  and  the  venue  for  the  enforcement of this Note shall be solely and
exclusively  in  the  State  of  Florida.
WITNESS  the  hand and seal of the undersigned as of the 25th day of July, 2003.

SPECTRUM  SCIENCES  AND  SOFTWARE,  INC.


Per: /s/ Nancy  Gontarek
     -----------------------
     Authorized  Signatory
     Name:  Nancy  Gontarek
     Title: Chief Financial Officer

<PAGE>


</TEXT>
</DOCUMENT>
