Document:

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                                                                    Exhibit 10.4

                             UNCONDITIONAL GUARANTY

     For and in consideration of certain loans by SILICON VALLEY BANK, a
California-chartered bank, with its principal place of business at 3003 Tasman
Drive, Santa Clara, California 95054 and with a loan production office located
at Five Radnor Corporate Center, 100 Matsonford Road, Suite 555, Radnor,
Pennsylvania 19087 ("Bank") to VOXWARE, INC., a Delaware corporation
(hereinafter, the "Borrower"), which loans were made pursuant to a certain Loan
and Security Agreement between Borrower and Bank dated December 29, 2003, as
may be amended from time to time (hereinafter, the "Agreement"), the undersigned
guarantor CROSS ATLANTIC TECHNOLOGY FUND II, L.P., a Delaware limited
partnership with its principal office at Five Radnor Corporate Center, Suite 555
1000 Matsonford Road, Radnor, Pennsylvania("Guarantor"), hereby unconditionally
and irrevocably guarantees the prompt and complete payment of all amounts that
Borrower owes to Bank and performance by Borrower of the Agreement and any other
agreements now existing or hereafter arising between Borrower and Bank, as each
may be amended from time to time (collectively referred to as the "Agreements"),
in strict accordance with their respective terms, except that the total amount
recoverable under this Unconditional Guaranty shall be limited to an amount not
greater than the sum of: (i) twenty-five percent (25.0%) (hereinafter, the
"Guarantor's Percentage") of the principal balance outstanding under the
Obligations (as defined in the Agreement), up to but not exceeding Five Hundred
Thousand Dollars ($500,000.00) in principal in the aggregate, plus (ii) the
Guarantor's Percentage of the interest outstanding under the Obligations (each
as defined in the Agreement at the rates provided in the Agreement (including,
without limitation, any default rate described in the Agreement which may be
applied at a later date)), plus (iii) the reasonable costs of collection to
enforce the Bank's rights and remedies under this Guaranty.

     1.    Subject to the limitations set forth above, if Borrower does not
perform its obligations under the Agreement and after the expiration of all
applicable cure periods under the Agreement, Guarantor will pay, within fifteen
(15) days of the receipt of written notice from the Bank, all amounts due
(including, without limitation, all principal, interest, and fees) and satisfy
all Borrower's obligations under the Agreements.

     2.    These obligations are independent of Borrower's obligations and
separate actions may be brought against Guarantor (whether action is brought
against Borrower or whether Borrower is joined in the action).

     3.    Bank may, without notice to Guarantor and without affecting
Guarantor's obligations under this Guaranty: (a) renew, extend, or otherwise
change the terms of the Agreements; (b) take security for the payment of the
Agreements; (c) exchange, enforce, waive and release any security granted under
the Agreement; and (d) apply the security granted under the Agreement and direct
its sale as Bank, in its discretion, chooses.

     4.    Guarantor agrees that in the event the loan arrangement dated
February 15, 2004, entered into between the Bank and Guarantor for bridge
financing of capital calls is terminated for any reason, the Guarantor shall
immediately secure the Obligations under this Guaranty with collateral
acceptable to Bank.

     5.    Guarantor waives:

           (a) Any right to require Bank to: (i) proceed against Borrower or any
     other person; (ii) proceed against or exhaust any security; or (iii) pursue
     any other remedy. Bank may exercise or not exercise any right or remedy it
     has against Borrower or any security it holds (including the right to
     foreclose by judicial or non- judicial sale) without affecting Guarantor's
     liability.

           (b) Any defenses from disability or other defense of Borrower or from
     the cessation of Borrowers liabilities.

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           (c) Any setoff, defense or counterclaim against Bank.

           (d) Any defense from the absence, impairment or loss of any right of
     reimbursement or subrogation or any other rights against Borrower. Until
     Borrower's obligations to Bank have been paid, Guarantor will not exercise
     any right of subrogation or reimbursement or subrogation or other rights
     against Borrower.

           (e) Any right to enforce any remedy that Bank has against Borrower,
     until Borrower's obligations to Bank have been paid and the termination of
     Bank's commitment to lend under the Agreement.

           (f) Any rights to participate in any security held by Bank until
     Borrower's obligation to Bank have been paid and the termination of Bank's
     commitment to lend under the Agreement.

           (g) Any demands for performance, notices of nonperformance or of new
     or additional indebtedness. Guarantor is responsible for being and keeping
     itself informed of Borrower's financial condition. Unless Guarantor
     requests particular information, Bank has no duty to provide information to
     Guarantor.

     6. Guarantor acknowledges that, to the extent Guarantor has or may have
rights of subrogation or reimbursement against Borrower for claims arising out
of this Guaranty, those rights may be impaired or destroyed if Bank elects to
proceed against any real property security of Borrower by non-judicial
foreclosure. That impairment or destruction could, under certain judicial cases
and based on equitable principles of estoppel, give rise to a defense by
Guarantor against its obligations under this Guaranty. Guarantor waives that
defense and any others arising from Bank's election to pursue non-judicial
foreclosure.

     7. If Borrower becomes insolvent or is adjudicated bankrupt or files a
petition for reorganization or similar relief under the United States Bankruptcy
Code, or if a petition is filed against Borrower and/or any obligation under the
Agreements is terminated or rejected, or any obligation of Borrower is modified
or if Borrower's obligations are avoided Guarantor's liability will not be
affected and its liability will continue. If Bank must return any payment
because of the insolvency, bankruptcy or reorganization of Borrower, Guarantor
or any other guarantor, this Guaranty will remain effective or be reinstated.

     8. Guarantor subordinates any indebtedness of Borrower it holds to Bank;
and Guarantor will collect, enforce and receive payments as Bank's trustee and
will pay Bank those payments without reducing or affecting its liability under
this Guaranty.

     9. Guarantor will pay Bank's reasonable attorneys' fees and other costs and
expenses incurred enforcing this Guaranty. This Guaranty may not be waived,
revoked or amended without Bank's and Guarantor's prior written consent. If any
provision of this Guaranty is unenforceable, all other provisions remain
effective. This Guaranty represents the entire agreement among the parties about
this Guaranty. No prior dealings, no usage of trade, and no parol or extrinsic
evidence may supplement or vary this Guaranty. Bank may assign this Guaranty.
This Guaranty benefits Bank, its successors and assigns. This Guaranty is in
addition to any other guaranties Bank obtains.

     10. Guarantor represents and warrants that (i) it has taken all action
necessary to authorize execute, deliver and perform this Guaranty; (ii)
execution, delivery and performance of this Guaranty do not conflict with any
organizational documents or agreements to which it is a party; and (iii) this
Guaranty is a valid and binding obligation, enforceable against Guarantor
according to its terms.

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     11. Guarantor will do all of the following:

          (a) Maintain its legal existence, remain in good standing in Delaware,
     and continue to qualify in each jurisdiction in which the failure to
     qualify could have a material adverse effect on the financial condition,
     operations or business. Maintain all licenses, approvals, and agreements,
     the loss of which could have a material adverse effect on its financial
     condition, operations or business.

          (b) Comply with all statutes and regulations if non-compliance could
     adversely affect its financial condition, operations or business, in any
     material respect.

          (c) Execute other instruments and take action Bank reasonably requests
     to effect the purposes of this Agreement.

     12. Guarantor hereby grants to Bank, a lien, security interest and right of
setoff as security for all obligations to Bank, whether now existing or
hereafter arising upon and against all deposits, credits, collateral and
property, now or hereafter in the possession, custody, safekeeping or control of
Bank or any entity under the control of Bank (including a Bank subsidiary) or in
transit to any of them. At any time after the occurrence and during the
continuance of an Event of Default (as defined in the Agreement), without demand
or notice, Bank may set off the same or any part thereof and apply the same to
any liability or obligation of Guarantor then due and payable and regardless of
the adequacy of any other collateral securing the Obligations. ANY AND ALL
RIGHTS TO REQUIRE BANK TO EXERCISE ITS RIGHTS OR REMEDIES WITH RESPECT TO ANY
OTHER COLLATERAL WHICH SECURES THE OBLIGATIONS, PRIOR TO EXERCISING ITS RIGHT OF
SETOFF WITH RESPECT TO SUCH DEPOSITS, CREDITS OR OTHER PROPERTY OF THE
GUARANTOR, ARE HEREBY KNOWINGLY, VOLUNTARILY AND IRREVOCABLY WAIVED.

     13. Massachusetts law governs this Guaranty without regard to principles of
conflicts of law. Guarantor and Bank each submit to the exclusive jurisdiction
of the State and Federal courts in Massachusetts; provided, however, that if for
any reason Bank cannot avail itself of such courts in the Commonwealth of
Massachusetts, Guarantor accepts jurisdiction of the courts and venue in Santa
Clara County, California. NOTWITHSTANDING THE FOREGOING, THE BANK SHALL HAVE THE
RIGHT TO BRING ANY ACTION OR PROCEEDING AGAINST THE GUARANTOR OR ITS PROPERTY IN
THE COURTS OF ANY OTHER JURISDICTION WHICH THE BANK DEEMS NECESSARY OR
APPROPRIATE IN ORDER TO REALIZE ON THE COLLATERAL OR TO OTHERWISE ENFORCE THE
BANK'S RIGHTS AGAINST THE GUARANTOR OR ITS PROPERTY. GUARANTOR AND BANK EACH
WAIVE THEIR RIGHT TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF
OR BASED UPON THIS AGREEMENT, THE LOAN DOCUMENTS OR ANY CONTEMPLATED
TRANSACTION, INCLUDING CONTRACT, TORT, BREACH OF DUTY AND ALL OTHER CLAIMS. THIS
WAIVER IS A MATERIAL INDUCEMENT FOR BOTH PARTIES TO ENTER INTO THIS AGREEMENT.
EACH PARTY HAS REVIEWED THIS WAIVER WITH ITS COUNSEL.

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         IN WITNESS WHEREOF, the undersigned Guarantor has executed this
Guaranty as an instrument under seal under the laws of the Commonwealth of
Massachusetts, as of this 29th day of December, 2003.

                                  CROSS ATLANTIC TECHNOLOGY FUND II, L.P.
                                  By: XATF Management II, L.P
                                  Its General Partner
                                  By: Cross Atlantic Capital Partners II, Inc.
                                  Its General Partner

                                  By:____________________________________

                                  Title:__________________________________

                                       4Exhibit 4.2
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                         SUBSEQUENT TRANSFER INSTRUMENT

                  Pursuant to this Subsequent Transfer Instrument, dated
December 19, 2003 (the "Instrument"), between Ameriquest Mortgage Securities
Inc. as seller (the "Depositor") and Deutsche Bank National Trust Company as
trustee (the "Trustee") of the Ameriquest Mortgage Securities Inc., Asset-Backed
Pass-Through Certificates, Series 2003-12, and pursuant to the Pooling and
Servicing Agreement, dated as of December 1, 2003 (the "Pooling and Servicing
Agreement"), among the Depositor as depositor, Ameriquest Mortgage Company as
master servicer and the Trustee as trustee, the Depositor and the Trustee agree
to the sale by the Depositor and the purchase by the Trustee on behalf of the
Trust Fund, of the Mortgage Loans listed on the attached Schedule of Mortgage
Loans (the "Subsequent Mortgage Loans").

                  Capitalized terms used but not otherwise defined herein shall
have the meanings set forth in the Pooling and Servicing Agreement.

                  Section 1. CONVEYANCE OF SUBSEQUENT MORTGAGE LOANS.

                  (a) The Depositor does hereby sell, transfer, assign, set over
and convey to the Trustee on behalf of the Trust Fund, without recourse, all of
its right, title and interest in and to the Subsequent Mortgage Loans, and
including all amounts due on the Subsequent Mortgage Loans after the related
Subsequent Cut-off Date, and all items with respect to the Subsequent Mortgage
Loans to be delivered pursuant to Section 2.01 of the Pooling and Servicing
Agreement; provided, however that the Depositor reserves and retains all right,
title and interest in and to amounts due on the Subsequent Mortgage Loans on or
prior to the related Subsequent Cut-off Date. The Depositor, contemporaneously
with the delivery of this Agreement, has delivered or caused to be delivered to
the Trustee each item set forth in Section 2.01 of the Pooling and Servicing
Agreement. The transfer to the Trustee by the Depositor of the Subsequent
Mortgage Loans identified on the Mortgage Loan Schedule shall be absolute and is
intended by the Depositor, the Master Servicer, the Trustee and the
Certificateholders to constitute and to be treated as a sale by the Depositor to
the Trust Fund.

                  (b) The Depositor, concurrently with the execution and
delivery hereof, does hereby transfer, assign, set over and otherwise convey to
the Trustee without recourse for the benefit of the Certificateholders all the
right, title and interest of the Depositor, in, to and under the Subsequent
Mortgage Loan Purchase Agreement, dated the date hereof, between the Depositor
as purchaser and the Master Servicer as originator and as seller, to the extent
of the Subsequent Mortgage Loans.

                  (c) Additional terms of the sale are set forth on Attachment A
hereto.

         Section 2. REPRESENTATIONS AND WARRANTIES; CONDITIONS PRECEDENT.

                  (a) The Depositor hereby confirms that each of the conditions
precedent and the representations and warranties set forth in Section 2.10 of
the Pooling and Servicing Agreement are satisfied as of the date hereof.

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                  (b) All terms and conditions of the Pooling and Servicing
Agreement are hereby ratified and confirmed; provided, however, that in the
event of any conflict, the provisions of this Instrument shall control over the
conflicting provisions of the Pooling and Servicing Agreement.

                  Section 3. RECORDATION OF INSTRUMENT.

                  To the extent permitted by applicable law, this Instrument, or
a memorandum thereof if permitted under applicable law, is subject to
recordation in all appropriate public offices for real property records in all
of the counties or other comparable jurisdictions in which any or all of the
properties subject to the Mortgages are situated, and in any other appropriate
public recording office or elsewhere, such recordation to be effected by the
Master Servicer at the Certificateholders' expense on direction of the related
Certificateholders, but only when accompanied by an Opinion of Counsel to the
effect that such recordation materially and beneficially affects the interests
of the Certificateholders or is necessary for the administration or servicing of
the Mortgage Loans.

                  Section 4. GOVERNING LAW.

                  This Instrument shall be construed in accordance with the laws
of the State of New York and the obligations, rights and remedies of the parties
hereunder shall be determined in accordance with such laws, without giving
effect to principles of conflicts of law.

                  Section 5. COUNTERPARTS.

                  This Instrument may be executed in one or more counterparts
and by the different parties hereto on separate counterparts, each of which,
when so executed, shall be deemed to be an original; such counterparts,
together, shall constitute one and the same instrument.

                  Section 6. SUCCESSORS AND ASSIGNS.

                  This Instrument shall inure to the benefit of and be binding
upon the Depositor, the Trustee and their respective successors and assigns.

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                                         AMERIQUEST MORTGAGE SECURITIES INC.

                                         By:  /s/ John P. Grazer
                                              -------------------------------
                                         Name:    John P. Grazer
                                         Title:   CFO

                                         DEUTSCHE BANK NATIONAL TRUST
                                         COMPANY, as Trustee

                                         By:  /s/ Valerie Delgado
                                              -------------------------------
                                         Name:    Valerie Delgado
                                         Title:   Associate

ATTACHMENTS

A.       Additional terms of sale.
B.       Schedule of Subsequent Mortgage Loans.

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                                  ATTACHMENT A
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                            ADDITIONAL TERMS OF SALE

         A. General

            1.   Subsequent Cut-off Date: December 1, 2003
            2.   Subsequent Transfer Date: December 19, 2003
            3.   Aggregate Principal Balance of the Subsequent Mortgage Loans as
                 of the Subsequent Cut-off Date: $177,540,738.67
            4.   Purchase Price: 100.00%

         B. The following representations and warranties with respect to each
Subsequent Mortgage Loan determined as of the Subsequent Cut-off Date are true
and correct: (i) the Subsequent Mortgage Loan may not be 30 or more days
delinquent as of the related Subsequent Cut-off Date; provided, however that the
Subsequent Mortgage Loans may have a first payment date occurring on or after
the Subsequent Cut-off Date and, therefore, such Subsequent Mortgage Loans could
not have been delinquent as of the Subsequent Cut-off Date; (ii) the remaining
term to stated maturity of the Subsequent Mortgage Loan will not be less than
119 months and will not exceed 360 months from its first payment date; (iii) the
Subsequent Mortgage Loan may not provide for negative amortization; (iv) the
Subsequent Mortgage Loan will not have a loan-to-value ratio greater than
95.00%; (v) the Subsequent Mortgage Loans will have, as of the related
Subsequent Cut-off Date, a weighted average age since origination not in excess
of 5 months; (vi) no Subsequent Mortgage Loan will have a Mortgage Rate less
than 5.30% or greater than 13.75%; (vii) the Subsequent Mortgage Loan will have
been serviced by the Master Servicer since origination or purchase by the
Originator in accordance with its standard servicing practices; (viii) the
Subsequent Mortgage Loan must have a first payment date occurring on or before
April 1, 2004; and (ix) the Subsequent Mortgage Loan will have been underwritten
in accordance with the criteria set forth under "--Underwriting Standards" in
the Prospectus Supplement.

         C. Following the purchase of the Subsequent Group I Mortgage Loans, the
Group I Mortgage Loans (including the related Subsequent Group I Mortgage Loans)
will, as of the related Subsequent Cut-off Date: (i) have a weighted average
original term to stated maturity of not more than 360 months from the first
payment date thereon; (ii) have a weighted average Mortgage Rate of not less
than 8.14% and not more than 8.29%; (iii) have a weighted average Loan-to-Value
Ratio of not more than 77.37%, (iv) have no Mortgage Loan with a Principal
Balance in excess of $423,685, (v) consist of Mortgage Loans with Prepayment
Charges representing no less than approximately 71.13% of the Group I Mortgage
Loans and (vi) with respect to the Adjustable-Rate Mortgage Loans in Loan Group
I, have a weighted average Gross Margin of not less than 5.99%, in each case,
measured by aggregate Principal Balance of the Group I Mortgage Loans as of the
related Cut-off Date.

         D. Following the purchase of the Subsequent Group II Mortgage Loans,
the Group II Mortgage Loans (including the related Subsequent Group II Mortgage
Loans) will, as of the related Subsequent Cut-off Date: (i) have a weighted
average original term to stated maturity of not more than 360 months from the
first payment date thereon; (ii) have a weighted average Mortgage Rate

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of not less than 7.75% and not more than 7.90%; (iii) have a weighted average
Loan-to-Value Ratio of not more than 80.50%; (iv) have no Mortgage Loan with a
Principal Balance in excess of $599,707, (v) consist of Mortgage Loans with
Prepayment Charges representing no less than approximately 70.15% of the Group
II Mortgage Loans and (vi) with respect to the Adjustable-Rate Mortgage Loans in
Loan Group II, have a Weighted Average Gross Margin of not less than 5.84%, in
each case measured by Aggregate Principal Balance of the Group II Mortgage Loans
as of the related Cut-Off Date.

         E. Following the purchase of the Subsequent Group III Mortgage Loans,
the Group III Mortgage Loans (including the related Subsequent Group III
Mortgage Loans) will, as of the related Subsequent Cut-off Date: (i) have a
weighted average original term to stated maturity of not more than 360 months
from the first payment date thereon; (ii) have a weighted average Mortgage Rate
of not less than 7.27% and not more than 7.42%; (iii) have a weighted average
Loan-to-Value Ratio of not more than 78.23%; (iv) have no Mortgage Loan with a
Principal Balance in excess of $598,533; and (v) consist of Mortgage Loans with
Prepayment Charges representing no less than approximately 76.67% of the Group
III Mortgage Loans, in each case, measured by aggregate Principal Balance of the
Group III Mortgage Loans as of the related Cut-off Date.

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                                  ATTACHMENT B
                                  ------------

                      SCHEDULE OF SUBSEQUENT MORTGAGE LOANS

                                [FILED BY PAPER]

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