Document:

WAIVER AND SUBORDINATION AGREEMENT

         This Waiver and Subordination Agreement ("Waiver"), dated as of
February 18, 2005, is entered into by and between INCENTRA SOLUTIONS, INC., a
Nevada corporation (the "Company") and LAURUS MASTER FUND, LTD., a Cayman
Islands company ("Laurus"), for the purpose of amending or waiving certain terms
of (i) the Securities Purchase Agreement, dated as of May 13, 2004, by and
between the Company and Laurus (as amended, modified or supplemented from time
to time, the "SPA") and (ii) the Master Security Agreement, dated as of May 13,
2004, by and between the Company and Laurus (as amended, modified or
supplemented from time to time, the "MSA"). Capitalized terms used herein
without definition shall have the meaning ascribed to such terms in the SPA or
MSA, as applicable.

         WHEREAS, on February 14, 2005, the Company created Incentra Merger
Corp., a Delaware corporation ("Merger Corp"), with and into which Star
Solutions of Delaware, Inc., a Delaware corporation shall be merged; and,

         WHEREAS Merger Corp shall be the surviving corporation in such merger,
continuing to do business under the name of Star Solutions of Delaware, Inc.;
and

         WHEREAS, Wells Fargo Bank, National Association ("WFB") is providing
funding for the merger and a continuing credit facility for Merger Corp after
the merger and is requiring a security interest in certain assets of Merger
Corp;

         NOW, THEREFORE, in consideration of the above, and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto agree as follows:

         1.       Laurus hereby waives the provisions of Section 6.12(e)(ii) of
                  the SPA as to Merger Corp.

         2.       Laurus hereby subordinates to WFB the rights of Laurus in and
                  to the following:

                           Accounts receivable and other rights to payments,
                           general intangibles, equipment and inventory of Star
                           Solutions of Delaware, Inc., a Delaware corporation
                           and wholly owned subsidiary of Incentra Solutions,
                           Inc.

         3.       Each waiver and amendment set forth herein shall be effective
                  as of the date hereof following the execution and delivery of
                  same by each of the Company and Laurus.

         4.       Except as specifically set forth in this Waiver and Amendment
                  Agreement, or as previously amended, modified or supplemented,
                  there are no other amendments to the Loan Documents, and all
                  of the other

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                  forms, terms and provisions of the Loan Documents remain in
                  full force and effect.

         5.       This Waiver and Amendment Agreement shall be binding upon the
                  parties hereto and their respective successors and permitted
                  assigns and shall inure to the benefit of and be enforceable
                  by each of the parties hereto and its successors and permitted
                  assigns.

         6.       This Waiver and Amendment Agreement shall be construed and
                  enforced in accordance with and governed by the laws of the
                  State of New York.

         7.       This Waiver and Amendment Agreement may be executed in any
                  number of counterparts, each of which shall be an original,
                  but all of which shall constitute one instrument.

         IN WITNESS WHEREOF, each of the Company and Laurus has caused this
         Waiver and Amendment Agreement to be signed in its name effective as of
         this 18th day of February, 2005.

                                                 INCENTRA SOLUTIONS, INC.

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

                                                 LAURUS MASTER FUND, LTD.

                                                 By: /s/David Grin
                                                     ---------------------------
                                                 Name: David Grin
                                                 Title: Director

                                       22005-1 CONSULTANT AND ADVISOR SERVICES PLAN

         1.  Purpose  of the Plan.  The  purpose of the  2005-1  Consultant  and
Advisor   Services   Plan  ("Plan")  of   FinancialContent,   Inc.,  a  Delaware
corporation,  ("Company") is to provide the Company with a means of compensating
selected key  consultants and advisors to the Company and its  subsidiaries  for
their services rendered with shares of Common Stock of the Company.

         2.  Administration  of the Plan. The Plan shall be  administered by the
Company's Board of Directors (the "Board").

              2.1 Award or Sales of shares. The Company's Board shall (a) select
those  consultants  and  advisors to whom shares of the  Company's  Common Stock
shall be awarded or sold,  and (b)  determine the number of shares to be awarded
or sold; the time or times at which shares shall be awarded or sold; whether the
shares to be awarded or sold will be registered with the Securities and Exchange
Commission; and such conditions,  rights of repurchase,  rights of first refusal
or other transfer restrictions as the Board may determine. Each award or sale of
shares under the Plan may or may not be evidenced by a written agreement between
the Company and the persons to whom  shares of the  Company's  Common  Stock are
awarded or sold.

              2.2 Consideration for Shares. Shares of the Company's Common Stock
to be awarded or sold  under the Plan  shall be issued  for  services  rendered,
having a value not less than par value thereof, as shall be determined from time
to time by the Board in its sole discretion.

              2.3 Board  Procedures.  The Board from time to time may adopt such
rules and  regulations  for carrying out the purposes of the Plan as it may deem
proper and in the best interests of the Company. The Board shall keep minutes of
its meetings and records of its actions.  A majority of the members of the Board
shall  constitute a quorum for the transaction of any business by the Board. The
Board may act at any time by an affirmative  vote of a majority of those members
voting.  Such vote shall be taken at a meeting (which may be conducted in person
or by any  telecommunication  medium)  or by written  consent  of Board  members
without a meeting.

              2.4  Finality  of  Board  Action.  The  Board  shall  resolve  all
questions arising under the Plan. Each determination,  interpretation,  or other
action made or taken by the Board shall be final and  conclusive  and binding on
all persons, including,  without limitation, the Company, its stockholders,  the
Board and each of the members of the Board.

              2.5  Non-Liability  of Board  Members.  No Board  member  shall be
liable for any action or determination made by him in good faith with respect to
the Plan or any shares of the Company's Common Stock sold or awarded under it.

              2.6 Board Power to amend,  Suspend,  or Terminate the Amendment to
the Plan. The Board may, from time to time, make such changes in or additions to
the Plan as it may deem proper and in the best  interests of the Company and its
Stockholders.  The Board may also  suspend  or  terminate  the Plan at any time,
without notice, and in its sole discretion.

         3. Shares  Subject to the Plan.  For purposes of the Plan, the Board of
Directors is authorized to sell or award up to 400,000  shares and/or options of
the Company's Common Stock, $.001 par value per share ("Common Stock").

         4.  Participants.  All key  consultants and advisors to the Company and
any of its subsidiaries  (sometimes referred to herein as  ("Participants")  are
eligible to  participate  in the Plan. A copy of this Plan shall be delivered to
all Participants, together with a copy of any Board resolutions authorizing the
issuance  of  the  shares  and  establishing   the  terms  and  conditions,   if
any,relating to the sale or award of such shares.
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         5. Rights and Obligations of Participants.  The award or sale of shares
of Common stock shall be conditioned upon the participant providing to the Board
a written  representation  that,  at the time of such  award or sale,  it is the
intent of such person(s) to acquire the shares for investment  only and not with
a view toward  distribution.  The certificate for unregistered shares issued for
investment  shall be restricted by the Company as to transfer unless the Company
receives  an opinion of counsel  satisfactory  to the Company to the effect that
such  restriction is not necessary  under the  pertaining  law. The providing of
such  representation  and such  restriction on transfer shall not,  however,  be
required upon any person's receipt of shares of Common Stock under the Amendment
to the Plan in the event that, at the time of award or sale, the shares shall be
(i)  covered  by an  effective  and  current  registration  statement  under the
Securities  Act of 1933,  as amended,  and (ii) either  qualified or exempt from
qualification  under  applicable  state  securities  laws.  The  Company  shall,
however,  under no  circumstances  be required to sell or issue any shares under
the  Amendment to the Plan if, in the opinion of the Board,  (i) the issuance of
such shares would  constitute a violation by the  participant  or the Company of
any  applicable  law or regulation of any  governmental  authority,  or (ii) the
consent or approval of any  governmental  body is  necessary  or  desirable as a
condition of, or in connection with, the issuance of such shares.

         6. Payment of Shares.

              (a) The entire purchase price of shares issued under the Planshall
be payable in lawful money of the United States of America at the time when such
shares are purchased, except as provided in subsection (b) below.

              (b) At the discretion of the Board, Shares may be issued under the
Plan in consideration of services rendered; provided, however, that any issuance
of shares under the Plan shall be in compliance with Section 152 of the Delaware
General Corporation Law, as amended.

         7.  Adjustments.  If the  outstanding  Common  Stock shall be hereafter
increased or decreased,  or changed into or exchanged for a different  number or
kind of shares or other securities of the Company or of another corporation,  by
reason  of  a  recapitalization,   reclassification,   reorganization,   merger,
consolidation,  share  exchange,  or other  business  combination  in which  the
Company is the surviving  parent  corporation,  stock  split-up,  combination of
shares, or dividend or other distribution  payable in capital stock or rights to
acquire capital stock,  appropriate adjustment shall be made by the Board in the
number and kind of shares which may be granted under the Amendment to the Plan.

         8. Tax Withholding.  As a condition to the purchase or award of shares,
the  Participant  shall make such  arrangements as the Board may require for the
satisfaction of any federal, state, local or foreign withholding tax obligations
that may arise in connection with such purchase or award.

         9. Terms of the Plan.

              9.1 Effective Date. The Plan  shall  become effective on February
16, 2005.

              9.2  Termination  Date.  The Plan shall  terminate  at Midnight on
February 15, 2006,  and no shares shall be awarded or sold after that time.  The
Plan may be suspended or  terminated at any earlier time by the Board within the
limitations set forth in Section 2.6.

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         10.  Non-Exclusivity  of the  Plan.  Nothing  contained  in the Plan is
intended to amend,  modify,  or rescind  any  previously  approved  compensation
plans,  programs  or options  entered  into by the  Company.  This Plan shall be
construed  to be in  addition  to and  independent  of any  and all  such  other
arrangements.  The adoption of the  Amendment to the Plan by the Board shall not
be construed as creating any  limitations on the power of authority of the Board
to  adopt,  with or  without  stockholder  approval,  such  additional  or other
compensation arrangements as the Board may from time to time deem desirable.

         11.  Governing  Law. The Plan and all rights and  obligations  under it
shall be  construed  and  enforced in  accordance  with the laws of the state of
Delaware.

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