Document:

CONSULTING AGREEMENT

         This CONSULTING  AGREEMENT (the  "Agreement") is entered into as of the
18th day of  February,  2005 (the  "Effective  Date"),  by and between  Incentra
Solutions,  Inc., a Nevada  corporation (the "Company") and FGBB, Inc., a Nevada
corporation (the "Consultant").

                                   WITNESSETH:

         WHEREAS, the Company, the Consultant, STAR SOLUTIONS of Delaware, Inc.,
of which the  Consultant  is a  controlling  stockholder  ("Star")  and Incentra
Merger Corp., a  wholly-owned  subsidiary of the Company (the "Merger Sub") have
entered into that certain  Agreement and Plan of Merger dated as of February 18,
2005 (the "Merger Agreement"),  pursuant to which Star would merge with and into
Merger Sub, and Merger Sub, as the  surviving  entity,  would change its name to
STAR SOLUTIONS of Delaware, Inc. ("Star Solutions");

         WHEREAS, the Company is a leading provider of data protection solutions
and services;

         WHEREAS,  subject to the terms and  conditions of this  Agreement,  the
Company has requested,  and the Consultant has agreed, to act as a consultant to
the  Company for  purposes  of  assisting  the  Company in  connection  with the
Company's sales and marketing efforts to its customers; and

         WHEREAS,  it is a condition  precedent to the Closing  under the Merger
Agreement that the Company enter into this Agreement with the Consultant.

         NOW THEREFORE,  in consideration of the mutual covenants and agreements
contained  herein,  and other good and valuable  consideration,  the receipt and
sufficiency of which are hereby conclusively  acknowledged,  the parties hereto,
intending to be legally bound, agree as follows.

                                    ARTICLE I
                          APPOINTMENT OF THE CONSULTANT

         1.1 APPOINTMENT.  The Company hereby engages the Consultant to act as a
consultant  to the Company for the purpose of providing  the Services  described
below. The Consultant hereby accepts such appointment.

                                   ARTICLE II
                  DUTIES AND RESPONSIBILITIES OF THE CONSULTANT

         2.1 DESCRIPTION OF SERVICES. The Consultant shall provide the following
services  (collectively,  the  "Services")  to the  Company  during the Term (as
defined  below):  the Consultant will consult with the Company from time to time
in connection with the Company's sales and marketing efforts to its customers.

         2.2 ADDITIONAL  DUTIES.  At all times when acting pursuant hereto,  the
Consultant  shall (i) comply with all applicable laws; and (ii) consult with the
Company prior to providing any oral

<PAGE>

or written  information  about the Company to any entities which information has
not been pre-approved for such dissemination by the Company.

         2.3 REQUIRED  LICENSES.  The Consultant shall procure and maintain,  at
its sole expense,  all material licenses which may be required by applicable law
to legally perform the Services.

         2.4 RECORDS.  The Consultant shall maintain  reasonable  records of all
transactions performed pursuant to this Agreement.

         2.5 EXPENSES  INCURRED IN CONNECTION WITH PERFORMANCE OF SERVICES.  The
Company  shall  pay or  reimburse  the  Consultant  for  all  travel  and  other
reasonable expenses incurred by the Consultant or its employees or agents in the
course of performing Services under this Agreement,  PROVIDED HOWEVER,  that the
Company shall have no obligation  to pay or reimburse  the  Consultant  for such
expenses  unless such expenses have been authorized in writing in advance by the
Company.  The Company shall pay against any invoices submitted by the Consultant
for such  expenses  within  thirty  (30) days from the date on which the Company
receives  such  invoice.  Appropriate  receipts and a written  description  must
support all expenses for which reimbursement is sought.

                                   ARTICLE III
                   DUTIES AND RESPONSIBILITIES OF THE COMPANY

         3.1  PROVISION OF  INFORMATION  TO THE  CONSULTANT.  The Company  shall
provide  the  Consultant  with all  materials  and  information  the  Consultant
reasonably requires in order to provide the Services under this Agreement.

         3.2 PAYMENT.  The Company shall pay to the Consultant the  compensation
set forth in  Article V of this  Agreement  in the manner  provided  for in such
Article.

                                   ARTICLE IV
                              TERM AND TERMINATION

         4.1 TERM. The term of this Agreement (the "Term") shall be for a period
of two (2) years,  commencing  on February  __, 2005 and ending on February  __,
2007.

         4.2 TERMINATION.  Notwithstanding the foregoing,  this Agreement may be
terminated (i) by the  Consultant  prior to expiration of the Term upon ten (10)
days written notice to the Company, or (ii) by either party on a material breach
of this  Agreement  by the other party if such  default is not cured  within ten
(10) days after written notice is given to the breaching  party. For purposes of
this provision, the term "material breach" shall not include any matters arising
from or related to the quality or  frequency  of the Services to be performed by
the Consultant hereunder.

         4.3  EFFECT  OF  TERMINATION.  In the  event  that  this  Agreement  is
terminated,  then this Agreement shall forthwith become void and have no further
effect,  without any  liability or  obligation on the part of the Company or the
Consultant  except  as  follows:  Notwithstanding  anything  contained  in  this
Agreement, (i) if this Agreement is terminated by Consultant,  the Company shall
pay the unpaid amount of the Consulting Fee prorated from the commencement

                                       2
<PAGE>

date  through the date of  termination  and unpaid  expenses  of the  Consultant
properly  incurred under this Agreement  through the termination  date; and (ii)
nothing herein shall relieve any party from any liability (in contract,  tort or
otherwise, and whether pursuant to an action at law or in equity) for any breach
by such party of any of its covenants or agreements in this Agreement.

                                    ARTICLE V
                                  COMPENSATION

         5.1  COMPENSATION.  As compensation for the Services rendered on behalf
of the Company by the  Consultant  hereunder,  the  Consultant  shall  receive a
consulting  fee in connection  with the  provision of Services  hereunder in the
amount of Five Hundred Thousand Dollars ($500,000.00) (the "Consulting Fee").

         5.2  TIME  OF  PAYMENTS.  The  Consulting  Fee  shall  be  paid  to the
Consultant in twenty four (24) equal consecutive monthly  installments of Twenty
Thousand Eight Hundred Thirty Three and 33/100 Dollars  ($20,833.33)  each. Each
monthly  installment  of the  Consulting Fee shall be due and payable in arrears
without  notice,  demand,  deduction,  withholding  or setoff on or prior to the
fifth (5th) day of each calendar  month during the Term,  commencing on March 5,
2005 and ending on February 5, 2007.

                                   ARTICLE VI
                        OWNERSHIP OF THE COMPANY RECORDS

                  All  records of the  Company  shall be and remain at all times
the property of the Company;  provided  however,  that the  Consultant  shall be
entitled to copies of documents related to this Agreement.

                                   ARTICLE VII
                                  MISCELLANEOUS

         7.1 INDEPENDENT  CONTRACTOR  STATUS. It is specifically  recognized and
agreed  that  the  Services  of  the  Consultant  are  those  of an  independent
contractor  with respect to the  Company.  Nothing  contained in this  Agreement
shall be construed to create a joint venture, partnership, association, or other
affiliation or like relationship  between the parties.  In no event shall either
party be liable  for the  debts or  obligations  of the  other.  The  Consultant
understands  and  agrees  that:  (i) the  Consultant  will not be  treated as an
employee of the Company for federal tax or other purposes; (ii) the Company will
not withhold on behalf of the Consultant  any sums for income tax,  unemployment
insurance,  or social  security;  and (iii)  all of such  payments,  withholding
obligations and benefits,  shall be the sole  responsibility  of the Consultant.
Consultant  shall defend and hold the Company  harmless  from any and all tax or
withholding  obligations  arising  out of  Consultant's  failure to pay taxes or
withholdings as required under this Agreement.

         7.2 GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Colorado  (without regard to principles
of conflict of laws).

                                       3
<PAGE>

         7.3 AMENDMENTS.  This Agreement may not be amended, altered or modified
except by a writing signed by all parties hereto.

         7.4 WAIVER.  Any  failure of any party to comply  with any  obligation,
covenant,  agreement or  condition  herein may be waived in writing by the other
parties.  Any such  waiver  or  failure  to  insist  upon  compliance  with such
obligation,  covenant,  agreement or condition shall not operate as a waiver of,
or estoppel with respect to, any subsequent or other failure.

         7.5  SEVERABILITY.  If any  provision  of this  Agreement  is  invalid,
illegal or  unenforceable,  the balance of this Agreement shall remain in effect
and if any provision is  inapplicable  to any person or  circumstance,  it shall
nevertheless  remain applicable to all other persons and  circumstances.  If the
scope  or  duration  of any  covenant  contained  in this  Agreement  is  deemed
unreasonable by a court of law with appropriate jurisdiction,  the parties agree
that the court may modify the Agreement to make it conform to law.

         7.6 NOTICES. All notices and other communications hereunder shall be in
writing  and  shall be  deemed to have  been  duly  given if  delivered  by hand
delivery,  or by facsimile (with confirmation of transmission),  or by overnight
courier,  or by registered or certified mail, return receipt requested,  postage
prepaid, in each case addressed as follows:

If to the Consultant:      FGBB, Inc.
                           910 Seasage Drive
                           Delray Beach, FL 33483
                           Fax No. (561) 208-3953
                           Attention:  Alfred Curmi

                           with  a copy  (which  shall  not  constitute notice
                           pursuant to this Section 7.6) to:

                           David Bates, Esq.
                           Gunster, Yoakley & Stewart, P.A.
                           777 South Flagler Drive
                           Suite 500, East Tower
                           West Palm Beach, FL  33401
                           Fax No. (561) 655-5677

If to the Company:         Incentra Solutions, Inc.
                           1140 Pearl Street
                           Boulder, Colorado  80302
                           Fax No.: (303) 440-7114
                           Attention: Thomas P. Sweeney III

                           with  a copy  (which  shall  not  constitute notice
                           pursuant to this Section 7.6 to:

                                       4
<PAGE>

                           Reed Guest, Esq.
                           94 Underhill Road
                           Orinda, CA 94563
                           Fax No.: (925) 254-9226

or to such other  address as either  party shall have  furnished to the other in
writing in  accordance  herewith.  A notice shall be deemed  received  upon hand
delivery,  upon telephone  confirmation  of receipt of the facsimile,  three (3)
days  after  posting  in United  States  Mail or one (1) day after  dispatch  by
overnight courier.

         7.7  ASSIGNMENT.  This  Agreement  may not be assigned by either  party
without the prior written consent of the non-assigning party.

         7.8  ATTORNEYS  FEES.  In any  litigation,  action,  suit or proceeding
arising out of or in connection with this Agreement,  the prevailing party shall
be entitled to an award of reasonable attorneys' fees and disbursements incurred
by such party in  connection  therewith,  including  fees and  disbursements  in
bankruptcy, insolvency, regulatory and appellate proceedings.

         7.9  RECITALS.  The  above  recitals  are  true  and  correct  and  are
incorporated herein by reference.

         IN WITNESS  WHEREOF,  the  parties  have caused  this  Agreement  to be
executed on the day and year indicated below.

                                  INCENTRA SOLUTIONS, INC.,
                                  a Nevada corporation

                                  By: /s/Thomas P. Sweeney III
                                     -----------------------------------------
                                  Thomas P. Sweeney III, Chief Executive Officer

                                  FGBB, INC.,
                                  a Nevada corporation

                                  By: /s/Alfred Curmi
                                     -------------------------------------------
                                  Alfred Curmi, President

MIAMI 406249.3
2/15/05

                                       5Exhibit 10.5

                                CREDIT AGREEMENT

        THIS  CREDIT AGREEMENT (this "Agreement") is entered into as of February
18,  2005,  by  and  between  STAR  SOLUTIONS  OF  DELAWARE,  INC.,  a  Delaware
corporation ("Borrower"), and WELLS FARGO BANK, NATIONAL ASSOCIATION ("Bank").

                                    RECITALS

        Borrower has requested that Bank extend or continue credit to Borrower
as described below, and Bank has agreed to provide such credit to Borrower on
the terms and conditions contained herein.

        NOW, THEREFORE, for valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, Bank and Borrower hereby agree as follows:

                                    ARTICLE I

                                  CREDIT TERMS

        SECTION 1.1.  LINE OF CREDIT.

        (a) LINE OF CREDIT. Subject to the terms and conditions of this
Agreement, Bank hereby agrees to make advances to Borrower from time to time up
to and including March 1, 2007, not to exceed at any time the aggregate
principal amount of Five Million Dollars ($5,000,000.00) ("Line of Credit"), the
proceeds of which shall be used for acquisition of other business operations.
Borrower's obligation to repay advances under the Line of Credit shall be
evidenced by a promissory note dated as of February 18, 2005 ("Line of Credit
Note"), all terms of which are incorporated herein by this reference.

        (b) LIMITATION ON BORROWINGS. Outstanding borrowings under the Line of
Credit, to a maximum of the principal amount set forth above, shall not at any
time exceed an aggregate of eighty percent (80%) of Borrower's eligible accounts
receivable. All of the foregoing shall be determined by Bank upon receipt and
review of all collateral reports required hereunder and such other documents and
collateral information as Bank may from time to time require. Borrower
acknowledges that said borrowing base was established by Bank with the
understanding that, among other items, the aggregate of all returns, rebates,
discounts, credits and allowances for the immediately preceding three (3) months
at all times shall be less than five percent (5%) of Borrower's gross sales for
said period. If such dilution of Borrower's accounts for the immediately
preceding three (3) months at any time exceeds five percent (5%) of Borrower's
gross sales for said period, or if there at any time exists any other matters,
events, conditions or contingencies which Bank reasonably believes may affect
payment of any portion of Borrower's accounts, Bank, in its sole discretion, may
reduce the foregoing advance rate against eligible accounts receivable to a
percentage appropriate to reflect such additional dilution and/or establish
additional reserves against Borrower's eligible accounts receivable.

        As used herein, "eligible accounts receivable" shall consist solely of
trade accounts created in the ordinary course of Borrower's business, upon which
Borrower's right to receive payment is absolute and not contingent upon the
fulfillment of any condition whatsoever, and in which Bank has a perfected
security interest of first priority, and shall not include:

                                      -1-
<PAGE>

                 (i) any account which is more than ninety (90) days past due;

                (ii) that portion of any account for which there exists any
         right of setoff, defense or discount (except regular discounts allowed
         in the ordinary course of business to promote prompt payment) or for
         which any defense or counterclaim has been asserted;

               (iii) any account which represents an obligation of any state or
         municipal government or of the United States government or any
         political subdivision thereof (except accounts which represent
         obligations of the United States government and for which the
         assignment provisions of the Federal Assignment of Claims Act, as
         amended or recodified from time to time, have been complied with to
         Bank's satisfaction);

                (iv) any account which represents an obligation of an account
         debtor located in a foreign country;

                 (v) any account which arises from the sale or lease to or
         performance of services for, or represents an obligation of, an
         employee, affiliate, partner, member, parent or subsidiary of Borrower;

                (vi) that portion of any account, which represents interim or
         progress billings or retention rights on the part of the account
         debtor;

               (vii) any account which represents an obligation of any account
         debtor when twenty percent (20%) or more of Borrower's accounts from
         such account debtor are not eligible pursuant to (i) above;

              (viii) that portion of any account from an account debtor which
         represents the amount by which Borrower's total accounts from said
         account debtor exceeds twenty-five percent (25%) of Borrower's total
         accounts;

                (ix) any account deemed ineligible by Bank when Bank, in its
         sole discretion, deems the creditworthiness or financial condition of
         the account debtor, or the industry in which the account debtor is
         engaged, to be unsatisfactory.

        (c) BORROWING AND REPAYMENT. Borrower may from time to time during the
term of the Line of Credit borrow, partially or wholly repay its outstanding
borrowings, and reborrow, subject to all of the limitations, terms and
conditions contained herein or in the Line of Credit Note; provided however,
that the total outstanding borrowings under the Line of Credit shall not at any
time exceed the maximum principal amount available thereunder, as set forth
above.

        SECTION 1.2.   INTEREST/FEES.

        (a) INTEREST. The outstanding principal balance of each credit subject
hereto shall bear interest at the rate of interest set forth in each promissory
note or other instrument or document executed in connection therewith.

         (b) COMPUTATION AND PAYMENT. Interest shall be computed on the basis of
a 360-day year, actual days elapsed. Interest shall be payable at the times and
place set forth in each promissory note or other instrument or document required
hereby.

                                      -2-
<PAGE>

        (c) COMMITMENT FEE. Borrower shall pay to Bank a non-refundable
commitment fee for the Line of Credit equal to Ten Thousand Dollars
($10,000.00), which fee shall be due and payable in full upon the execution of
the promissory note.

        SECTION 1.3.   COLLATERAL.

        As security for all indebtedness of Borrower to Bank subject hereto,
Borrower hereby grants to Bank security interests of first priority in all
Borrower's accounts receivable and other rights to payments, general
intangibles, equipment and inventory.

All of the foregoing shall be evidenced by and subject to the terms of such
security agreements, financing statements, deeds of trust or mortgages, and
other documents as Bank shall reasonably require, all in form and substance
satisfactory to Bank. Borrower shall reimburse Bank immediately upon demand for
all costs and expenses incurred by Bank in connection with any of the foregoing
security, including without limitation, filing and recording fees and costs of
appraisals, audits and title insurance.

        SECTION 1.4. GUARANTIES. All indebtedness of Borrower to Bank shall be
guaranteed jointly and severally by Incentra Solutions, Inc. in the principal
amount of Five Million Dollars ($5,000,000.00) each, as evidenced by and subject
to the terms of guaranties in form and substance satisfactory to Bank.

                                   ARTICLE II
                         REPRESENTATIONS AND WARRANTIES

        Borrower makes the following representations and warranties to Bank,
which representations and warranties shall survive the execution of this
Agreement and shall continue in full force and effect until the full and final
payment, and satisfaction and discharge, of all obligations of Borrower to Bank
subject to this Agreement.

        SECTION 2.1. LEGAL STATUS. Borrower is a corporation, duly organized and
existing and in good standing under the laws of the State of Delaware, and is
qualified or licensed to do business (and is in good standing as a foreign
corporation, if applicable) in all jurisdictions in which such qualification or
licensing is required or in which the failure to so qualify or to be so licensed
could have a material adverse effect on Borrower.

        SECTION 2.2. AUTHORIZATION AND VALIDITY. This Agreement and each
promissory note, contract, instrument and other document required hereby or at
any time hereafter delivered to Bank in connection herewith (collectively, the
"Loan Documents") have been duly authorized, and upon their execution and
delivery in accordance with the provisions hereof will constitute legal, valid
and binding agreements and obligations of Borrower or the party which executes
the same, enforceable in accordance with their respective terms.

        SECTION 2.3. NO VIOLATION. The execution, delivery and performance by
Borrower of each of the Loan Documents do not violate any provision of any law
or regulation, or contravene any provision of the Articles of Incorporation or
By-Laws of Borrower, or result in any breach of or default under any contract,
obligation, indenture or other instrument to which Borrower is a party or by
which Borrower may be bound.

                                      -3-
<PAGE>

        SECTION 2.4. LITIGATION. There are no pending, or to the best of
Borrower's knowledge threatened, actions, claims, investigations, suits or
proceedings by or before any governmental authority, arbitrator, court or
administrative agency which could have a material adverse effect on the
financial condition or operation of Borrower other than those disclosed by
Borrower to Bank in writing prior to the date hereof.

        SECTION 2.5. CORRECTNESS OF FINANCIAL STATEMENT. The financial statement
of Borrower dated December 31, 2004, a true copy of which has been delivered by
Borrower to Bank prior to the date hereof, (a) is complete and correct and
presents fairly the financial condition of Borrower, (b) discloses all
liabilities of Borrower that are required to be reflected or reserved against
under generally accepted accounting principles, whether liquidated or
unliquidated, fixed or contingent, and (c) has been prepared in accordance with
generally accepted accounting principles consistently applied. Since the date of
such financial statement there has been no material adverse change in the
financial condition of Borrower, nor has Borrower mortgaged, pledged, granted a
security interest in or otherwise encumbered any of its assets or properties
except in favor of Bank or as otherwise permitted by Bank in writing.

        SECTION 2.6. INCOME TAX RETURNS. Borrower has no knowledge of any
pending assessments or adjustments of its income tax payable with respect to any
year.

        SECTION 2.7. NO SUBORDINATION. There is no agreement, indenture,
contract or instrument to which Borrower is a party or by which Borrower may be
bound that requires the subordination in right of payment of any of Borrower's
obligations subject to this Agreement to any other obligation of Borrower.

        SECTION 2.8. PERMITS, FRANCHISES. Borrower possesses, and will hereafter
possess, all permits, consents, approvals, franchises and licenses required and
rights to all trademarks, trade names, patents, and fictitious names, if any,
necessary to enable it to conduct the business in which it is now engaged in
compliance with applicable law.

        SECTION 2.9. ERISA. Borrower is in compliance in all material respects
with all applicable provisions of the Employee Retirement Income Security Act of
1974, as amended or recodified from time to time ("ERISA"); Borrower has not
violated any provision of any defined employee pension benefit plan (as defined
in ERISA) maintained or contributed to by Borrower (each, a "Plan"); no
Reportable Event as defined in ERISA has occurred and is continuing with respect
to any Plan initiated by Borrower; Borrower has met its minimum funding
requirements under ERISA with respect to each Plan; and each Plan will be able
to fulfill its benefit obligations as they come due in accordance with the Plan
documents and under generally accepted accounting principles.

        SECTION 2.10. OTHER OBLIGATIONS. Borrower is not in default on any
obligation for borrowed money, any purchase money obligation or any other
material lease, commitment, contract, instrument or obligation.

        SECTION 2.11. ENVIRONMENTAL MATTERS. Except as disclosed by Borrower to
Bank in writing prior to the date hereof, Borrower is in compliance in all
material respects with all applicable federal or state environmental, hazardous
waste, health and safety statutes, and any rules or regulations adopted pursuant
thereto, which govern or affect any of Borrower's

                                      -4-
<PAGE>

operations and/or properties, including without limitation, the Comprehensive
Environmental Response, Compensation and Liability Act of 1980, the Superfund
Amendments and Reauthorization Act of 1986, the Federal Resource Conservation
and Recovery Act of 1976, and the Federal Toxic Substances Control Act, as any
of the same may be amended, modified or supplemented from time to time. None of
the operations of Borrower is the subject of any federal or state investigation
evaluating whether any remedial action involving a material expenditure is
needed to respond to a release of any toxic or hazardous waste or substance into
the environment. Borrower has no material contingent liability in connection
with any release of any toxic or hazardous waste or substance into the
environment.

                                   ARTICLE III
                                   CONDITIONS

        SECTION 3.1.   CONDITIONS OF INITIAL EXTENSION OF CREDIT. The obligation
of Bank to extend any credit contemplated by this Agreement is subject to the
fulfillment to Bank's satisfaction of all of the following conditions:

        (a) APPROVAL OF BANK COUNSEL. All legal matters incidental to the
extension of credit by Bank shall be satisfactory to Bank's counsel.

        (b) DOCUMENTATION. Bank shall have received, in form and substance
satisfactory to Bank, each of the following, duly executed:

        (i)  This Agreement and each promissory note or other instrument or
             document required hereby.

       (ii)  Corporation Resolution: Borrowing.

      (iii)  Corporate Resolution: Continuing Guaranty.

       (iv)  Certificate of Incumbency (2).

        (v)  Continuing Guaranty.

       (vi)  Security Agreement Equipment.

      (vii)  Continuing Rights to Payment and Inventory.

     (viii)  Exhibit A to UCC Financing Statement.

       (ix)  Such other documents as Bank may require under any other Section
             of this Agreement.

        (c)  FINANCIAL CONDITION. There shall have been no material adverse
change, as determined by Bank, in the financial condition or business of
Borrower or any guarantor hereunder, nor any material decline, as determined by
Bank, in the market value of any collateral required hereunder or a substantial
or material portion of the assets of Borrower or any such guarantor.

        (d)  INSURANCE. Borrower shall have delivered to Bank evidence of
insurance coverage on all Borrower's property, in form, substance, amounts,
covering risks and issued by companies satisfactory to Bank, and where required
by Bank, with loss payable endorsements in favor of Bank.

        SECTION 3.2. CONDITIONS OF EACH EXTENSION OF CREDIT. The obligation of
Bank to make each extension of credit requested by Borrower hereunder shall be
subject to the fulfillment to Bank's satisfaction of each of the following
conditions:

                                      -5-
<PAGE>

        (a)  COMPLIANCE. The representations and warranties contained herein and
in each of the other Loan Documents shall be true on and as of the date of the
signing of this Agreement and on the date of each extension of credit by Bank
pursuant hereto, with the same effect as though such representations and
warranties had been made on and as of each such date, and on each such date, no
Event of Default as defined herein, and no condition, event or act which with
the giving of notice or the passage of time or both would constitute such an
Event of Default, shall have occurred and be continuing or shall exist.

        (b)  DOCUMENTATION. Bank shall have received all additional documents
which may be required in connection with such extension of credit.

                                   ARTICLE IV
                              AFFIRMATIVE COVENANTS

        Borrower covenants that so long as Bank remains committed to extend
credit to Borrower pursuant hereto, or any liabilities (whether direct or
contingent, liquidated or unliquidated) of Borrower to Bank under any of the
Loan Documents remain outstanding, and until payment in full of all obligations
of Borrower subject hereto, Borrower shall, unless Bank otherwise consents in
writing:

        SECTION 4.1. PUNCTUAL PAYMENTS. Punctually pay all principal, interest,
fees or other liabilities due under any of the Loan Documents at the times and
place and in the manner specified therein, and immediately upon demand by Bank,
the amount by which the outstanding principal balance of any credit subject
hereto at any time exceeds any limitation on borrowings applicable thereto.

        SECTION 4.2. ACCOUNTING RECORDS. Maintain adequate books and records in
accordance with generally accepted accounting principles consistently applied,
and permit any representative of Bank, at any reasonable time, to inspect, audit
and examine such books and records, to make copies of the same, and to inspect
the properties of Borrower.

        SECTION 4.3.   FINANCIAL STATEMENTS.  Provide to Bank all of the
following, in form and detail satisfactory to Bank:

        (a)  not later than 120 days after and as of the end of each fiscal
year, a consolidating copy of the 10K report filed with the Securities Exchange
Commission, prepared by a certified public accountant acceptable to Bank, to
include balance sheet, income statement, statement of cash flows, management
report, auditor's report and all supporting schedules and footnotes;

        (b)  not later than 30 days after and as of the end of each month, a
financial statement of Borrower, prepared by Borrower, to include balance sheet
and income statement;

        (c)  not later than 30 days after and as of the end of each month, a
borrowing base certificate, an aged listing of accounts receivable and accounts
payable, and a reconciliation of accounts, and immediately upon each request
from Bank, a list of the names and addresses of all Borrower's account debtors;

                                      -6-
<PAGE>

        (d)  contemporaneously with each annual and quarter end financial
statement of Borrower required hereby, a certificate of a member of Borrower
that said financial statements are accurate and that there exists no Event of
Default nor any condition, act or event which with the giving of notice or the
passage of time or both would constitute an Event of Default;

        (e)  from time to time such other information as Bank may reasonably
request.

        SECTION 4.4. COMPLIANCE. Preserve and maintain all licenses, permits,
governmental approvals, rights, privileges and franchises necessary for the
conduct of its business; and comply with the provisions of all documents
pursuant to which Borrower is organized and/or which govern Borrower's continued
existence and with the requirements of all laws, rules, regulations and orders
of any governmental authority applicable to Borrower and/or its business.

        SECTION 4.5. INSURANCE. Maintain and keep in force insurance of the
types and in amounts customarily carried in lines of business similar to that of
Borrower, including but not limited to fire, extended coverage, public
liability, flood, property damage and workers' compensation, with all such
insurance carried with companies and in amounts satisfactory to Bank, and
deliver to Bank from time to time at Bank's request schedules setting forth all
insurance then in effect.

        SECTION 4.6. FACILITIES. Keep all properties useful or necessary to
Borrower's business in good repair and condition, and from time to time make
necessary repairs, renewals and replacements thereto so that such properties
shall be fully and efficiently preserved and maintained.

        SECTION 4.7. TAXES AND OTHER LIABILITIES. Pay and discharge when due any
and all indebtedness, obligations, assessments and taxes, both real or personal,
including without limitation federal and state income taxes and state and local
property taxes and assessments, except such (a) as Borrower may in good faith
contest or as to which a bona fide dispute may arise, and (b) for which Borrower
has made provision, to Bank's satisfaction, for eventual payment thereof in the
event Borrower is obligated to make such payment.

        SECTION 4.8. LITIGATION. Promptly give notice in writing to Bank of any
litigation pending or threatened against Borrower.

        SECTION 4.9. FINANCIAL CONDITION. Maintain Borrower's financial
condition as follows using generally accepted accounting principles consistently
applied and used consistently with prior practices (except to the extent
modified by the definitions herein), with compliance determined commencing with
Borrower's financial statements for the period ending March 31, 2005:

        (a)  Tangible Net Worth not at any time less than $150,000.00 as of June
30, 2005; $500,000.00 as of September 30, 2005 and $750,000.00 as of December
31, 2005, with "Tangible Net Worth" defined as the aggregate of total
stockholders' equity plus subordinated debt less any intangible assets.

        (b)  Total Funded Debt to EBITDA not greater than 2.25 to 1.0 measured
on a rolling four-quarter basis, with "Funded Debt" defined as the sum of all
obligations for borrowed money

                                      -7-
<PAGE>

(including subordinated debt) plus all capital lease obligations, and with
"EBITDA" defined as net profit before tax plus interest expense (net of
capitalized interest expense), depreciation expense and amortization expense.

        SECTION 4.10. NOTICE TO BANK. Promptly (but in no event more than five
(5) days after the occurrence of each such event or matter) give written notice
to Bank in reasonable detail of: (a) the occurrence of any Event of Default, or
any condition, event or act which with the giving of notice or the passage of
time or both would constitute an Event of Default; (b) any change in the name or
the organizational structure of Borrower; (c) the occurrence and nature of any
Reportable Event or Prohibited Transaction, each as defined in ERISA, or any
funding deficiency with respect to any Plan; or (d) any termination or
cancellation of any insurance policy which Borrower is required to maintain, or
any uninsured or partially uninsured loss through liability or property damage,
or through fire, theft or any other cause affecting Borrower's property.

                                    ARTICLE V
                               NEGATIVE COVENANTS

        Borrower further covenants that so long as Bank remains committed to
extend credit to Borrower pursuant hereto, or any liabilities (whether direct or
contingent, liquidated or unliquidated) of Borrower to Bank under any of the
Loan Documents remain outstanding, and until payment in full of all obligations
of Borrower subject hereto, Borrower will not without Bank's prior written
consent:

        SECTION 5.1. USE OF FUNDS. Use any of the proceeds of any credit
extended hereunder except for the purposes stated in Article I hereof.

        SECTION 5.2. CAPITAL EXPENDITURES. Make any additional investment in
fixed assets in any fiscal year in excess of an aggregate of $500,000.00.

        SECTION 5.3. OTHER INDEBTEDNESS. Create, incur, assume or permit to
exist any indebtedness or liabilities resulting from borrowings, loans or
advances, whether secured or unsecured, matured or unmatured, liquidated or
unliquidated, joint or several, except (a) the liabilities of Borrower to Bank,
and (b) any other liabilities of Borrower existing as of, and disclosed to Bank
prior to, the date hereof.

        SECTION 5.4. MERGER, CONSOLIDATION, TRANSFER OF ASSETS. Merge into or
consolidate with any other entity; make any substantial change in the nature of
Borrower's business as conducted as of the date hereof; acquire all or
substantially all of the assets of any other entity; nor sell, lease, transfer
or otherwise dispose of all or a substantial or material portion of Borrower's
assets except in the ordinary course of its business.

        SECTION 5.5. GUARANTIES. Guarantee or become liable in any way as
surety, endorser (other than as endorser of negotiable instruments for deposit
or collection in the ordinary course of business), accommodation endorser or
otherwise for, nor pledge or hypothecate any assets of Borrower as security for,
any liabilities or obligations of any other person or entity, except any of the
foregoing in favor of Bank.

                                      -8-
<PAGE>

        SECTION 5.6. LOANS, ADVANCES, INVESTMENTS. Make any loans or advances to
or investments in any person or entity, except any of the foregoing existing as
of, and disclosed to Bank prior to, the date hereof.

        SECTION 5.7. DIVIDENDS, DISTRIBUTIONS. Declare or pay any dividend or
distribution either in cash, stock or any other property on Borrower's stock now
or hereafter outstanding, nor redeem, retire, repurchase or otherwise acquire
any shares of any class of Borrower's stock now or hereafter outstanding.

        SECTION 5.8. PLEDGE OF ASSETS. Mortgage, pledge, grant or permit to
exist a security interest in, or lien upon, all or any portion of Borrower's
assets now owned or hereafter acquired, except any of the foregoing in favor of
Bank or which is existing as of, and disclosed to Bank in writing prior to, the
date hereof.

                                   ARTICLE VI
                                EVENTS OF DEFAULT

        SECTION 6.1. The occurrence of any of the following shall constitute an
"Event of Default" under this Agreement:

        (a)  Borrower shall fail to pay when due any principal, interest, fees
or other amounts payable under any of the Loan Documents.

        (b)  Any financial statement or certificate furnished to Bank in
connection with, or any representation or warranty made by Borrower or any other
party under this Agreement or any other Loan Document shall prove to be
incorrect, false or misleading in any material respect when furnished or made.

        (c)  Any default in the performance of or compliance with any
obligation, agreement or other provision contained herein or in any other Loan
Document (other than those referred to in subsections (a) and (b) above), and
with respect to any such default which by its nature can be cured, such default
shall continue for a period of twenty (20) days from its occurrence.

        (d)  Any default in the payment or performance of any obligation, or any
defined event of default, under the terms of any contract or instrument (other
than any of the Loan Documents) pursuant to which Borrower, any guarantor
hereunder or any general partner or joint venturer in any Borrower which is a
partnership or joint venture (with each such guarantor, general partner and/or
joint venturer referred to herein as a "Third Party Obligor") has incurred any
debt or other liability to any person or entity, including Bank.

        (e)  The filing of a notice of judgment lien against Borrower or any
Third Party Obligor; or the recording of any abstract of judgment against
Borrower or any Third Party Obligor in any county in which Borrower or such
Third Party Obligor has an interest in real property; or the service of a notice
of levy and/or of a writ of attachment or execution, or other like process,
against the assets of Borrower or any Third Party Obligor; or the entry of a
judgment against Borrower or any Third Party Obligor.

        (f)  Borrower or any Third Party Obligor shall become insolvent, or
shall suffer or consent to or apply for the appointment of a receiver, trustee,
custodian or liquidator of itself or

                                      -9-
<PAGE>

any of its property, or shall generally fail to pay its debts as they become
due, or shall make a general assignment for the benefit of creditors; Borrower
or any Third Party Obligor shall file a voluntary petition in bankruptcy, or
seeking reorganization, in order to effect a plan or other arrangement with
creditors or any other relief under the Bankruptcy Reform Act, Title 11 of the
United States Code, as amended or recodified from time to time ("Bankruptcy
Code"), or under any state or federal law granting relief to debtors, whether
now or hereafter in effect; or any involuntary petition or proceeding pursuant
to the Bankruptcy Code or any other applicable state or federal law relating to
bankruptcy, reorganization or other relief for debtors is filed or commenced
against Borrower or any Third Party Obligor, or Borrower or any Third Party
Obligor shall file an answer admitting the jurisdiction of the court and the
material allegations of any involuntary petition; or Borrower or any Third Party
Obligor shall be adjudicated a bankrupt, or an order for relief shall be entered
against Borrower or any Third Party Obligor by any court of competent
jurisdiction under the Bankruptcy Code or any other applicable state or federal
law relating to bankruptcy, reorganization or other relief for debtors.

        (g)  There shall exist or occur any event or condition which Bank in
good faith believes impairs, or is substantially likely to impair, the prospect
of payment or performance by Borrower of its obligations under any of the Loan
Documents.

        (h)  The death or incapacity of any individual Borrower or Third Party
Obligor. The dissolution or liquidation of any Borrower or Third Party Obligor
which is a corporation, partnership, joint venture or other type of entity; or
Borrower or any such Third Party Obligor, or any of its directors, stockholders
or members, shall take action seeking to effect the dissolution or liquidation
of such Borrower or Third Party Obligor.

        (i)  Any change in ownership of an aggregate of twenty-five percent
(25%) or more of the common stock of Borrower.

        SECTION 6.2. REMEDIES. Upon the occurrence of any Event of Default: (a)
all indebtedness of Borrower under each of the Loan Documents, any term thereof
to the contrary notwithstanding, shall at Bank's option and without notice
become immediately due and payable without presentment, demand, protest or
notice of dishonor, all of which are hereby expressly waived by each Borrower;
(b) the obligation, if any, of Bank to extend any further credit under any of
the Loan Documents shall immediately cease and terminate; and (c) Bank shall
have all rights, powers and remedies available under each of the Loan Documents,
or accorded by law, including without limitation the right to resort to any or
all security for any credit subject hereto and to exercise any or all of the
rights of a beneficiary or secured party pursuant to applicable law. All rights,
powers and remedies of Bank may be exercised at any time by Bank and from time
to time after the occurrence of an Event of Default, are cumulative and not
exclusive, and shall be in addition to any other rights, powers or remedies
provided by law or equity.

                                   ARTICLE VII
                                  MISCELLANEOUS

        SECTION 7.1. NO WAIVER. No delay, failure or discontinuance of Bank in
exercising any right, power or remedy under any of the Loan Documents shall
affect or operate as a waiver of such right, power or remedy; nor shall any
single or partial exercise of any such right, power or remedy preclude, waive or
otherwise affect any other or further exercise thereof or the

                                      -10-
<PAGE>

exercise of any other right, power or remedy. Any waiver, permit, consent or
approval of any kind by Bank of any breach of or default under any of the Loan
Documents must be in writing and shall be effective only to the extent set forth
in such writing.

        SECTION 7.2. NOTICES. All notices, requests and demands which any party
is required or may desire to give to any other party under any provision of this
Agreement must be in writing delivered to each party at the following address:

     BORROWER:   STAR SOLUTIONS OF DELAWARE, INC.
                 5910 Pacific Center Blvd.
                 San Diego, California 92121

     BANK:       WELLS FARGO BANK, NATIONAL ASSOCIATION
                 1740 Broadway
                 Denver, Colorado 80274

or to such other address as any party may designate by written notice to all
other parties. Each such notice, request and demand shall be deemed given or
made as follows: (a) if sent by hand delivery, upon delivery; (b) if sent by
mail, upon the earlier of the date of receipt or three (3) days after deposit in
the U.S. mail, first class and postage prepaid; and (c) if sent by telecopy,
upon receipt.

        SECTION 7.3. COSTS, EXPENSES AND ATTORNEYS' FEES. Borrower shall pay to
Bank immediately upon demand the full amount of all payments, advances, charges,
costs and expenses, including reasonable attorneys' fees (to include outside
counsel fees and all allocated costs of Bank's in-house counsel), expended or
incurred by Bank in connection with (a) the negotiation and preparation of this
Agreement and the other Loan Documents, Bank's continued administration hereof
and thereof, and the preparation of any amendments and waivers hereto and
thereto, (b) the enforcement of Bank's rights and/or the collection of any
amounts which become due to Bank under any of the Loan Documents, and (c) the
prosecution or defense of any action in any way related to any of the Loan
Documents, including without limitation, any action for declaratory relief,
whether incurred at the trial or appellate level, in an arbitration proceeding
or otherwise, and including any of the foregoing incurred in connection with any
bankruptcy proceeding (including without limitation, any adversary proceeding,
contested matter or motion brought by Bank or any other person) relating to any
Borrower or any other person or entity.

        SECTION 7.4. SUCCESSORS, ASSIGNMENT. This Agreement shall be binding
upon and inure to the benefit of the heirs, executors, administrators, legal
representatives, successors and assigns of the parties; provided however, that
Borrower may not assign or transfer its interest hereunder without Bank's prior
written consent. Bank reserves the right to sell, assign, transfer, negotiate or
grant participations in all or any part of, or any interest in, Bank's rights
and benefits under each of the Loan Documents. In connection therewith, Bank may
disclose all documents and information which Bank now has or may hereafter
acquire relating to any credit subject hereto, Borrower or its business, any
guarantor hereunder or the business of such guarantor, or any collateral
required hereunder.

        SECTION 7.5. ENTIRE AGREEMENT; AMENDMENT. This Agreement and the other
Loan Documents constitute the entire agreement between Borrower and Bank with
respect to

                                      -11-
<PAGE>

each credit subject hereto and supersede all prior negotiations, communications,
discussions and correspondence concerning the subject matter hereof. This
Agreement may be amended or modified only in writing signed by each party
hereto.

        SECTION 7.6. NO THIRD PARTY BENEFICIARIES. This Agreement is made and
entered into for the sole protection and benefit of the parties hereto and their
respective permitted successors and assigns, and no other person or entity shall
be a third party beneficiary of, or have any direct or indirect cause of action
or claim in connection with, this Agreement or any other of the Loan Documents
to which it is not a party.

        SECTION 7.7. TIME. Time is of the essence of each and every provision of
this Agreement and each other of the Loan Documents.

        SECTION 7.8. SEVERABILITY OF PROVISIONS. If any provision of this
Agreement shall be prohibited by or invalid under applicable law, such provision
shall be ineffective only to the extent of such prohibition or invalidity
without invalidating the remainder of such provision or any remaining provisions
of this Agreement.

        SECTION 7.9. COUNTERPARTS. This Agreement may be executed in any number
of counterparts, each of which when executed and delivered shall be deemed to be
an original, and all of which when taken together shall constitute one and the
same Agreement.

        SECTION 7.10. GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of Colorado.

        SECTION 7.11.      ARBITRATION.

        (a)  ARBITRATION. The parties hereto agree, upon demand by any party, to
submit to binding arbitration all claims, disputes and controversies between or
among them (and their respective employees, officers, directors, attorneys, and
other agents), whether in tort, contract or otherwise arising out of or relating
to in any way (i) the loan and related Loan Documents which are the subject of
this Agreement and its negotiation, execution, collateralization,
administration, repayment, modification, extension, substitution, formation,
inducement, enforcement, default or termination; or (ii) requests for additional
credit.

        (b)  GOVERNING RULES. Any arbitration proceeding will (i) proceed in a
location in Colorado selected by the American Arbitration Association ("AAA");
(ii) be governed by the Federal Arbitration Act (Title 9 of the United States
Code), notwithstanding any conflicting choice of law provision in any of the
documents between the parties; and (iii) be conducted by the AAA, or such other
administrator as the parties shall mutually agree upon, in accordance with the
AAA's commercial dispute resolution procedures, unless the claim or counterclaim
is at least $1,000,000.00 exclusive of claimed interest, arbitration fees and
costs in which case the arbitration shall be conducted in accordance with the
AAA's optional procedures for large, complex commercial disputes (the commercial
dispute resolution procedures or the optional procedures for large, complex
commercial disputes to be referred to, as applicable, as the "Rules"). If there
is any inconsistency between the terms hereof and the Rules, the terms and
procedures set forth herein shall control. Any party who fails or refuses to
submit to arbitration following a demand by any other party shall bear all costs
and expenses incurred by such other party in compelling arbitration of any
dispute. Nothing contained herein shall be deemed to be a

                                      -12-
<PAGE>

waiver by any party that is a bank of the protections afforded to it under 12
U.S.C. ss.91 or any similar applicable state law.

        (c)  NO WAIVER OF PROVISIONAL REMEDIES, SELF-HELP AND FORECLOSURE. The
arbitration requirement does not limit the right of any party to (i) foreclose
against real or personal property collateral; (ii) exercise self-help remedies
relating to collateral or proceeds of collateral such as setoff or repossession;
or (iii) obtain provisional or ancillary remedies such as replevin, injunctive
relief, attachment or the appointment of a receiver, before during or after the
pendency of any arbitration proceeding. This exclusion does not constitute a
waiver of the right or obligation of any party to submit any dispute to
arbitration or reference hereunder, including those arising from the exercise of
the actions detailed in sections (i), (ii) and (iii) of this paragraph.

        (d)  ARBITRATOR QUALIFICATIONS AND POWERS. Any arbitration proceeding in
which the amount in controversy is $5,000,000.00 or less will be decided by a
single arbitrator selected according to the Rules, and who shall not render an
award of greater than $5,000,000.00. Any dispute in which the amount in
controversy exceeds $5,000,000.00 shall be decided by majority vote of a panel
of three arbitrators; provided however, that all three arbitrators must actively
participate in all hearings and deliberations. The arbitrator will be a neutral
attorney licensed in the State of Colorado or a neutral retired judge of the
state or federal judiciary of Colorado, in either case with a minimum of ten
years experience in the substantive law applicable to the subject matter of the
dispute to be arbitrated. The arbitrator will determine whether or not an issue
is arbitratable and will give effect to the statutes of limitation in
determining any claim. In any arbitration proceeding the arbitrator will decide
(by documents only or with a hearing at the arbitrator's discretion) any
pre-hearing motions which are similar to motions to dismiss for failure to state
a claim or motions for summary adjudication. The arbitrator shall resolve all
disputes in accordance with the substantive law of Colorado and may grant any
remedy or relief that a court of such state could order or grant within the
scope hereof and such ancillary relief as is necessary to make effective any
award. The arbitrator shall also have the power to award recovery of all costs
and fees, to impose sanctions and to take such other action as the arbitrator
deems necessary to the same extent a judge could pursuant to the Federal Rules
of Civil Procedure, the Colorado Rules of Civil Procedure or other applicable
law. Judgment upon the award rendered by the arbitrator may be entered in any
court having jurisdiction. The institution and maintenance of an action for
judicial relief or pursuit of a provisional or ancillary remedy shall not
constitute a waiver of the right of any party, including the plaintiff, to
submit the controversy or claim to arbitration if any other party contests such
action for judicial relief.

        (e)  DISCOVERY. In any arbitration proceeding discovery will be
permitted in accordance with the Rules. All discovery shall be expressly limited
to matters directly relevant to the dispute being arbitrated and must be
completed no later than 20 days before the hearing date and within 180 days of
the filing of the dispute with the AAA. Any requests for an extension of the
discovery periods, or any discovery disputes, will be subject to final
determination by the arbitrator upon a showing that the request for discovery is
essential for the party's presentation and that no alternative means for
obtaining information is available.

        (f)  CLASS PROCEEDINGS AND CONSOLIDATIONS. The resolution of any dispute
arising pursuant to the terms of this Agreement shall be determined by a
separate arbitration proceeding and such dispute shall not be consolidated with
other disputes or included in any class proceeding.

                                      -13-
<PAGE>

        (g)  PAYMENT OF ARBITRATION COSTS AND FEES. The arbitrator shall award
all costs and expenses of the arbitration proceeding.

        (h)  MISCELLANEOUS. To the maximum extent practicable, the AAA, the
arbitrators and the parties shall take all action required to conclude any
arbitration proceeding within 180 days of the filing of the dispute with the
AAA. No arbitrator or other party to an arbitration proceeding may disclose the
existence, content or results thereof, except for disclosures of information by
a party required in the ordinary course of its business or by applicable law or
regulation. If more than one agreement for arbitration by or between the parties
potentially applies to a dispute, the arbitration provision most directly
related to the Loan Documents or the subject matter of the dispute shall
control. This arbitration provision shall survive termination, amendment or
expiration of any of the Loan Documents or any relationship between the parties.

        IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the day and year first written above.

                                      WELLS FARGO BANK,
STAR SOLUTIONS OF DELAWARE, INC.      NATIONAL ASSOCIATION

By: /s/ Thomas P. Sweeney, III        By: /s/ Joseph Gavan
   -----------------------------         -----------------------------
   Thomas P. Sweeney, III,               Joseph Gavan, Relationship Manager
   Chief Executive Officer

                                      -14-

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