July 15, 2003

FinancialContent, Inc.
400 Oyster Point Blvd., Suite 435
So. San Francisco, CA 94080
Attention:  Mr. wing Yu

                  Re:  Standby Commitment Agreement

Dear Mr. Yu:

         Asia  Pacific  Ventures,  a  Turks  and  Caicos  Islands  company  (the
"Holder")  hereby  agrees,  that it  shall  provide  FinancialContent,  Inc.,  a
Delaware corporation (the "Company"),  up to an aggregate of One Million Dollars
($1,000,000)  (the "Commitment  Amount").  The Commitment Amount may be drawn by
the Company,  at its option (as determined by the  disinterested  members of the
Board of  Directors of the Company) at any time prior to July 15, 2004 in one or
more tranches, which may be extended for additional one year terms at the option
of the  Holder,  provided,  however,  that the  Company  may draw  down from the
Standby  Commitment  Amount only at such time that its total cash  balances  are
less than $1,000,000.

         In consideration of this Loan  Commitment,  FinancialContent  agrees to
pay a 5% set up fee and a 5% annual  maintenance  fee on the  Commitment  amount
payable  upon the setup and  anniversary  dates,  respectively.  There is also a
one-time 5%  prepayment  fee on loans paid in full prior to the  maturity  date.
Holder may elect to take payment of the set up,  maintenance and prepayment fees
in cash and/or stock  discounted  20% to the market based on the twenty (20) day
average  closing price per share of the Company's  common stock as quoted by the
NASDAQ   Over-the-Counter   Bulletin  Board  on  the  date  of  this  Agreement,
anniversary dates, or pre-payment date, respectively.  Any and all draws against
the Commitment Amount shall be made on terms (including, without limitation, the
nature of the securities to be issued by the Company) that are  consistent  with
those in the  market  at the time the draw is made for  similar  investments  by
investors similar to the Holder in companies similar to the Company

         This  agreement  shall inure to the benefit of and be binding  upon the
successors and permitted  assigns of the parties  hereto.  Subject to applicable
securities laws, the Holder may assign any of its rights under this agreement to
any of its affiliates but no such  assignment  shall relieve the Holder from its
obligations  hereunder.  The Company may not assign any of its rights under this
agreement, except to a successor-in-interest to the Company, without the written
consent of the Holder.

         No failure or delay on the part of Company or the Holder in  exercising
any right,  power or remedy  hereunder  shall operate as a waiver  thereof,  nor
shall  any  single  or  partial  exercise  of any such  rights,  power or remedy
preclude  any other or further  exercise  thereof or the  exercise  of any other


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right, power or remedy.  Any amendment,  supplement or modification of or to any
provision of this agreement,  any waiver of any provision of this agreement,  or
any consent to any departure by the Company or the Holder from the terms of this
agreement  shall be effective  only if it is made or given in writing and signed
by all of the parties hereto.

         This  agreement  shall be governed by and construed in accordance  with
the internal laws of the State of  California,  without regard to the principles
of conflicts  of law  thereof.  This  agreement  together  with the Warrants are
intended by the parties as a final expression of their agreement and intended to
be a
complete and  exclusive  statement of the  agreement  and  understanding  of the
parties hereto in respect of the subject matter contained herein and therein.

         If  any  one  or  more  of  the  provisions  contained  herein,  or the
application   thereof  in  any  circumstance,   is  held  invalid,   illegal  or
unenforceable  in any  respect  for  any  reason,  the  validity,  legality  and
enforceability of any such provision in every other respect and of the remaining
provisions  hereof shall not be in any way impaired,  unless the provisions held
invalid, illegal or unenforceable shall substantially impair the benefits of the
remaining provisions hereof.

         Each of the parties  shall  execute  such  documents  and perform  such
further  acts as may be  reasonably  required  or  desirable  to carry out or to
perform the provisions of this agreement.  This agreement may be executed in any
number of counterparts and by the parties hereto in separate counterparts,  each
of which when so  executed  shall be deemed to be an  original  and all of which
taken together shall constitute one and the same agreement.

         IN WITNESS WHEREOF, the parties hereto have caused this agreement to be
executed and delivered by their respective  officers hereunto duly authorized on
the date first written above.


                                            ASIA PACIFIC VENTURES


                                            By: /s/ Tan Geok Lin
                                                --------------------------------
                                                 Name:  Tan Geok Lin
                                                 Title:



ACCEPTED AND AGREED:

FINANCIALCONTENT, INC.


By: /s/ Wing Yu
    --------------------------------
     Name:  Wing Yu
     Title:  Chief Executive Officer


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