Document:

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                                                                   EXHIBIT 10.13

[Translation - Original in German Language]

                          SETTLEMENT REACHED BY LAWYERS

between

Art Technology Group GmbH, Messeturm 23, 60308 Frankfurt /Main,

as well as

Art Technology Group Inc., 25 First Street, Cambridge, MA 02141, USA,

These mutually represented by lawyer Stefan Plangger, Schillerstra(beta)e 28,
60313 Frankfurt /Main,

                             - hereinafter called,,ATG GmbH" resp.,,ATG Inc." -

and

DIFA Deutsche Immobilien Fonds AG, Caffamacherreihe 8, 20355 Hamburg,
represented by lawyer Dr. Ulrich Leo, Hohenstaufenring 30-32, 50674 Koln,

                                                   - hereinafter called,,DIFA" -

                                    PREAMBLE

With contract of 05./19.03.2001 ATG GmbH had leased from DIFA office and open
plan areas in the second floor of building 4 of the object ,,Frankfurter Welle"
in Frankfurt. Regarding to this contract ATG Inc. had issued a comfort letter,
dated October 24, 2001.

The parties are in dispute as to the fact if the cancellation of the contract by
ATG GmbH is effective. There is a lawsuit pending between DIFA and ATG GmbH (LG
Frankfurt 3-10 O 147/02 / OLG Frankfurt 21 U 10/03), in which the parties argue
about the obligation to lease payment for the first months and providing a
guarantee.

Having stated that the parties agree to the following:

                              Translation E.&O.E.

<PAGE>

                                    Section 1

ATG GmbH obliges itself to pay 5.750.000,00 Euro (in words: five million seven
hundred fifty thousand Euro) plus 16 % VAT to DIFA. ATG GmbH will receive from
DIFA an invoice in accordance with the German VAT provisions from DIFA.

                                    Section 2

Payment by ATG GmbH must be made two weeks after execution of this agreement by
all parties (receipt is relevant) onto the trust account of Rechtsanwalte
Loschelder, no. 79 772 968, bank code 370 501 98, Stadtsparkasse Koln. The two
weeks time frame is only met, if payment has been received into the trust
account.

If ATG GmbH does not pay within two weeks after execution of this agreement into
the trust account of the Rechtsanwalte Loscheder, DIFA may demand payment of the
settlement amount directly from ATG Inc. and ATG Inc. has to pay the respective
amount.

                                    Section 3

After receipt of the payment according to Section 2 DIFA obliges itself to
return

(a) the engrossed guarantee of 1.350.000,00 Euro of the American Express Bank
GmbH (no. G 4055)

(b) the comfort letter signed by ATG Inc.

The handling runs as follows: the guarantee and the comfort letter will be given
on trust of lawyer Dr. Leo subject to the proviso to invalidate and return them
to lawyer Plangger after payment of 5.750.000,00 Euro plus VAT has been received
on the trust account. Lawyer Dr. Leo receives the irrevocable order to forward
the payment received only after having sent the invalidated guarantee and
comfort letter to lawyer Plangger.

                                    Section 4

(1)      All reciprocal claims between ATG GmbH and DIFA from the lease contract
         stated in the preamble and between ATG Inc. and DIFA under the comfort
         letter as well as claims based on any other legal ground in connection
         with the lease contract stated in the preamble between ATG GmbH and
         DIFA and ATG Inc and DIFA , whether known or not are satisfied and
         settled with the payment of 5,75 Mio. Euro plus VAT and upon return of
         the bank guarantee and the comfort letter.

                              Translation E.&O.E.

<PAGE>

(2)      ATG GmbH will waive the pending appeal before the Oberlandesgericht
         (Higher Regional Court) Frankfurt (OLG Frankfurt 21 U 10/03). DIFA will
         not claim for costs and take back the claim for costs filed with the
         Landgericht on Jan. 22, 2003 (Az: 3-10 O 147/02) after execution of
         this agreement. There will be no reciprocal reimbursement of costs
         connected with this proceeding.

(3)      The parties will pay the costs for their representation and the
         conclusion of this settlement themselves.

                                    Section 5

         (1)      The parties to this Settlement Agreement understand and agree
                  that all claims made by the parties in connection with the
                  matters that are the subject of this Settlement Agreement are
                  disputed and each party hereto agrees that this Settlement
                  Agreement shall not be treated or characterized as an
                  admission of liability or responsibility.

         (2)      The parties hereto represent that neither will, in any way,
                  disparage the other party nor any subsidiary, or any officer,
                  agent, employee, successor or assign of any of them, or make
                  or solicit any comments, statements or the like to the media
                  or to others that may be considered to be derogatory or
                  detrimental to the good name or business reputation of any of
                  the aforementioned persons or entities.

         (3)      The parties submit themselves to immediate execution regarding
                  all their obligations from this settlement.

         (4)      Lawyer Dr. Leo will take the original settlement into deposit.
                  At any time he is entitled and obliged on written demand of
                  one of the parties to deposit this settlement with an
                  Amtsgericht (Magistrate Country Court) as of Section 796a ZPO
                  resp. a notary. The parties agree to a deposit and writ of
                  execution by a notary as of Section 796c ZPO.

         (5)      Inter partes, the costs of a possible deposit and writ of
                  execution shall be borne by ATG GmbH and ATG Inc. as joint
                  debtor in case they are in arrears with the payment as of
                  Section 2. DIFA shall bear the costs of deposit and writ of
                  execution in case the guarantee is not delivered on time.

                               Translation E.&O.E.

<PAGE>

                  In all other cases the parties bear half the costs of deposit
                  and writ of execution.

         (6)      The certificates of attorney of the lawyers Plangger and Dr.
                  Leo are attached to this settlement.

         (7)      This settlement is governed by German Law only.

         (8)      Jurisdictional venue for all disputes in connection with this
                  settlement and - as far as permitted by law - is Frankfurt am
                  Main.

         (9)      In case of one or more inoperative provisions of this
                  settlement, the remaining provisions stay untouched. The
                  parties rather commit themselves to a further settlement
                  coming nearest as of content and economic aim.

Frankfurt, den ______________________

_____________________________________      _____________________________________

                               Translation E.&O.E.<PAGE>

                                                                   EXHIBIT 10.25

                       FOURTH LOAN MODIFICATION AGREEMENT

     This Fourth Loan Modification Agreement (this "Loan Modification
Agreement') is entered into as of November 26, 2003 , by and between 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 One Newton Executive Park, Suite 200, 2221 Washington Street,
Newton, Massachusetts 02462, doing business under the name "Silicon Valley East"
("Bank") and ART TECHNOLOGY GROUP, INC., a Delaware corporation with its
principal place of business at 25 First Street, Cambridge, Massachusetts 02141
("Borrower").

1.   DESCRIPTION OF EXISTING INDEBTEDNESS AND OBLIGATIONS. Among other
indebtedness and obligations which may be owing by Borrower to Bank, Borrower is
indebted to Bank pursuant to a loan arrangement dated as of June 13, 2002,
evidenced by, among other documents, a certain Amended and Restated Loan and
Security Agreement dated as of June 13, 2002, between Borrower and Bank, as
amended by a certain First Loan Modification Agreement dated as of September 27,
2002, as further amended by a certain Amendment dated as of October __, 2002, as
further amended by a certain Second Loan Modification Agreement dated as of
December 24, 2002, and as further amended by a certain Third Loan Modification
Agreement dated as of October 20, 2003 (as amended, the "Loan Agreement").
Capitalized terms used but not otherwise defined herein shall have the same
meaning as in the Loan Agreement.

2.   DESCRIPTION OF COLLATERAL. Repayment of the Obligations is secured by the
Collateral as described in the Loan Agreement (together with any other
collateral security granted to Bank, the "Security Documents").

Hereinafter, the Security Documents, together with all other documents
evidencing or securing the Obligations shall be referred to as the "Existing
Loan Documents".

3.   DESCRIPTION OF CHANGE IN TERMS.

     A.   Modifications to Loan Agreement.

          1.   The Loan Agreement shall be amended by deleting the third
               sentence of Section 2.1.2 (a), in its entirety, and inserting in
               lieu thereof the following:

                    "Each Letter of Credit shall have an expiry date no later
                    than 364 days after the Revolving Maturity Date provided
                    Borrower's Letter of Credit reimbursement obligation shall
                    be secured by cash on terms reasonably acceptable to Bank on
                    and after (i) the Revolving Maturity Date if the term of
                    this Agreement is not extended by Bank, or (ii) the
                    occurrence of an Event of Default hereunder."

          2.   The Loan Agreement shall be amended by deleting the following
               text appearing in Section 2.4 (e ) thereof:

                    "(e) Compensating Balance/Compensating Balances Fees. In the
                    event, at any time, Borrower maintains less than $27,000,000
                    in unrestricted cash with Bank, of which at least $3,000,000
                    shall be maintain in Borrower's sweep account (account no.
                    3300070667) at Bank, Borrower shall pay such fees and
                    expenses as Bank shall determine, in its sole and exclusive
                    discretion, to compensate Bank for its loss on income on
                    such deposit balance (the "Additional Fees")."

               and inserting in lieu thereof the following:

                    "(e) Compensating Balance/Compensating Balances Fees. In the
                    event, at any time, Borrower maintains less than $25,000,000
                    in unrestricted cash with Bank, Borrower shall pay such fees
                    and expenses as Bank shall determine, in its sole and
                    exclusive discretion, to compensate Bank for its loss on
                    income on such deposit

<PAGE>

                    balance (the "Additional Fees")."

          3.   The Loan Agreement shall be amended by deleting the following
               text, appearing in Section 6.2 thereof:

                    "6.2 FINANCIAL STATEMENTS, REPORTS, CERTIFICATES.

                                   (a)  Borrower shall deliver to Bank: (i) as
                    soon as available, but no later than thirty (30) days after
                    the last day of each month, a company prepared consolidated
                    balance sheet and income statement covering Borrower's
                    consolidated operations during the period certified by a
                    Responsible Officer and in a form acceptable to Bank; (ii)
                    as soon as available, but no later than forty-five (45) days
                    after the last day of each of Borrower's fiscal quarters, a
                    company prepared consolidated balance sheet and income
                    statement covering Borrower's consolidated operations during
                    the period certified by a Responsible Officer and in a form
                    acceptable to Bank; (iii) as soon as available, but no later
                    than one hundred twenty (120) days after the last day of
                    Borrower's fiscal year, audited consolidated financial
                    statements prepared under GAAP, consistently applied,
                    together with an unqualified opinion on the financial
                    statements from an independent certified public accounting
                    firm reasonably acceptable to Bank; (iv) a prompt report of
                    any legal actions pending or threatened against Borrower or
                    any Subsidiary that could result in damages or costs to
                    Borrower or any Subsidiary of One Hundred Thousand Dollars
                    ($100,000.00) or more; (v) prompt notice of any material
                    change in the composition of the Intellectual Property,
                    including any subsequent ownership right of Borrower in or
                    to any Copyright, Patent or Trademark not shown in any
                    intellectual property security agreement between Borrower
                    and Bank or knowledge of an event that materially adversely
                    affects the value of the Intellectual Property; and (vi)
                    budgets, sales projections, operating plans or other
                    financial information reasonably requested by Bank.

                                   (c)  Within thirty (30) days after the last
                    day of each month and also forty-five (45) days after the
                    last day of each of Borrower's fiscal quarters, Borrower
                    shall deliver to Bank with the monthly and quarterly
                    financial statements a Compliance Certificate signed by a
                    Responsible Officer in the form of EXHIBIT D."

                    and inserting in lieu thereof the following:

                    "6.2 FINANCIAL STATEMENTS, REPORTS, CERTIFICATES.

                                   (a)  Borrower shall deliver to Bank: (i) as
                    soon as available, but no later than one hundred twenty
                    (120) days after the last day of Borrower's fiscal year,
                    audited consolidated financial statements prepared under
                    GAAP, consistently applied, together with an unqualified
                    opinion on the financial statements from an independent
                    certified public accounting firm reasonably acceptable to
                    Bank; (ii) a prompt report of any legal actions pending or
                    threatened against Borrower or any Subsidiary that could
                    result in damages or costs to Borrower or any Subsidiary of
                    Five Hundred Thousand Dollars ($500,000.00) or more; (iii)
                    prompt notice of any material change in the composition of
                    the Intellectual Property, including any subsequent
                    ownership right of Borrower in or to any Copyright, Patent
                    or Trademark not shown in any intellectual property security
                    agreement between Borrower and Bank or knowledge of an event
                    that materially adversely affects the value of the
                    Intellectual Property; and (iv) budgets, sales projections,
                    operating plans or other financial information reasonably
                    requested by Bank.

<PAGE>

                                   (c) Within five (5) days after filing copies
                    of all of Borrower's reports on Form 10-Q and Form 10-K
                    filed with the Securities and Exchange Commission, Borrower
                    shall deliver to Bank a Compliance Certificate signed by a
                    Responsible Officer in the form of EXHIBIT D."

          4.   The Loan Agreement shall be amended by deleting the following
               text, appearing in Section 6.7(a) thereof:

                    "(a) LIQUIDITY. Borrower shall have at all times, to be
                    tested as of the last day of each month, unrestricted and
                    unencumbered cash equal to or greater than $40,000,000.00."

               and inserting in lieu thereof the following:

                    "(a) LIQUIDITY. Borrower shall have at all times, to be
                    tested as of the last day of each month, unrestricted and
                    unencumbered cash equal to or greater than $25,000,000
                    .00."

          5.   The Loan Agreement shall be amended by deleting the following
               text, appearing in Section 6.7(b) thereof:

                    "(b) PROFITABILITY. Borrower shall have quarterly net losses
                    of not more than (i) $4,500,000.00 for the quarter ending
                    December 31, 2002; (ii) $4,000,000.00 for the quarter ending
                    March 31, 2003; (iii) $2,000,000.00 for the quarter ending
                    June 30, 2003; (iv) $1,000,000.00 for each quarter
                    thereafter. In calculating Borrower's profitability
                    hereunder, Bank will exclude a restructuring charge not to
                    exceed $25,000,000 in the aggregate (of which (x) not more
                    than $7,500,000 will be used for non-lease cash obligations
                    payable within twelve months and (y) not more than
                    $12,000,000 will be used for cash payments for lease
                    termination obligations payable within twelve months), which
                    restructuring charge may be taken by Borrower in each of (or
                    any of) the quarters ending December 31, 2002, March 31,
                    2003, June 30, 2003 and September 30, 2003."

               and inserting in lieu thereof the following:

                    "(b) PROFITABILITY. Borrower shall have quarterly net losses
                    of not more than (i) $3,500,000.00 for the quarter ending
                    December 3 1, 20 03; (ii) $3,000,000.00 for the quarter
                    ending March 31, 200 4; (iii) $2,000,000.00 for the quarter
                    ending June 30, 2004; (iv) $2,000,000.00 for the quarter
                    ending September 30, 20 04; (v) $1,000,000.00 for each
                    quarter thereafter."

          6.   The Loan Agreement shall be amended by deleting the following
               definition appearing in Section 13 thereof, in its entirety:

                    ""REVOLVING MATURITY DATE" is December 26, 2003."

               and inserting in lieu thereof the following:

                    ""REVOLVING MATURITY DATE" is November 25, 2004."

          7.   The Compliance Certificate appearing as EXHIBIT D to the Loan
               Agreement is hereby replaced with the Compliance Certificate
               attached as EXHIBIT A hereto .

4.   FEES. Borrower shall pay to Bank: (a) a commitment fee equal to $78,287.67,
     and (b) a modification fee equal

<PAGE>

to $5,000.00, which fees shall be due on the date hereof and shall be deemed
fully earned as of the date hereof. The Borrower shall also reimburse Bank for
all reasonable legal fees and expenses incurred in connection with this
amendment to the Existing Loan Documents.

5.   RATIFICATION OF INTELLECTUAL PROPERTY SECURITY AGREEMENT. Borrower hereby
ratifies, confirms and reaffirms, all and singular, the terms and conditions of
a certain Intellectual Property Security Agreement dated as of June 13, 2002
between Borrower and Bank, and acknowledges, confirms and agrees that said
Intellectual Property Security Agreement contains an accurate and complete
listing of all Intellectual Property Collateral as defined in said Intellectual
Property Security Agreement (with the exception of the Intellectual Property
Collateral set forth on Schedule 5 attached hereto) and shall remain in full
force and effect.

6.   RATIFICATION OF PERFECTION CERTIFICATE. Borrower hereby ratifies, confirms
and reaffirms, all and singular, the terms and disclosures contained in a
certain Perfection Certificate dated as of June 13, 2002 between Borrower and
Bank, and acknowledges, confirms and agrees the disclosures and information
Borrower provided to Bank in said Perfection Certificate has not changed, as of
the date hereof.

7.   CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever
necessary to reflect the changes described above.

8.   RATIFICATION OF LOAN DOCUMENTS. Borrower hereby ratifies, confirms, and
reaffirms all terms and conditions of all security or other collateral granted
to the Bank, and confirms that the indebtedness secured thereby includes,
without limitation, the Obligations.

9.   NO DEFENSES OF BORROWER .Borrower agrees that, as of this date, it has no
defenses against the obligations to pay any amounts under the Obligations.

10.  CONTINUING VALIDITY. Borrower understands and agrees that in modifying the
existing Obligations, Bank is relying up on Borrower's representations,
warranties, and agreements, as set forth in the Existing Loan Documents. Except
as expressly modified pursuant to this Loan Modification Agreement, the terms
of the Existing Loan Documents remain unchanged and in full force and effect.
Bank's agreement to modifications to the existing Obligations pursuant to this
Loan Modification Agreement in no way shall obligate Bank to make any future
modifications to the Obligations. Nothing in this Loan Modification Agreement
shall constitute a satisfaction of the Obligations. It is the intention of Bank
and Borrower to retain as liable parties all makers of Existing Loan Documents,
unless the party is expressly released by Bank in writing. No maker will be
released by virtue of this Loan Modification Agreement.

11.  JURISDICTION/VENUE. Borrower accepts for itself and in connection with its
properties, unconditionally, the exclusive jurisdiction of any state or federal
court of competent jurisdiction in the Commonwealth of Massachusetts in any
action, suit, or proceeding of any kind against it which arises out of or by
reason of this Loan Modification Agreement; provided, however, that if for any
reason Bank cannot avail itself of the courts of the Commonwealth of
Massachusetts, then venue shall lie in Santa Clara County, California.
NOTWITHSTANDING THE FOREGOING, THE BANK SHALL HAVE THE RIGHT TO BRING ANY ACTION
OR PROCEEDING AGAINST THE BORROWER 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 BORROWER
OR ITS PROPERTY.

12.  COUNTERSIGNATURE. This Loan Modification Agreement shall become effective
only when it shall have been executed by Borrower and Bank (provided, however,
in no event shall this Loan Modification Agreement become effective until signed
by an officer of Bank in California).

            [The remainder of this page is intentionally left blank]

<PAGE>

     This Loan Modification Agreement is executed as a sealed instrument under
the laws of the Commonwealth of Massachusetts as of the date first written
above.

BORROWER:                              BANK:

ART TECHNOLOGY GROUP, INC.             SILICON VALLEY BANK, doing business as
                                       SILICON VALLEY EAST

By:    /s/ Edward Terino               By:    /s/ Michael D. Sinclair
      ----------------------------           -----------------------------------
Name:  Edward Terino                   Name:  Michael D. Sinclair
      ----------------------------           -----------------------------------
Title: Chief Financial Officer         Title: Vice President
      ----------------------------           -----------------------------------

                                       SILICON VALLEY BANK

                                       By:
                                             -----------------------------------
                                       Name:
                                             -----------------------------------
                                       Title:
                                             -----------------------------------
                                       (signed in Santa Clara County,
                                       California)

<PAGE>

                                    EXHIBIT A
                             COMPLIANCE CERTIFICATE

TO:      SILICON VALLEY BANK

FROM: ART TECHNO LOGY GROUP , INC.

         The undersigned authorized officer of ART TECHNOLOGY GROUP, INC.
certifies that under the terms and conditions of the Amended and Restated Loan
and Security Agreement between Borrower and Bank (the "Agreement"), (i) Borrower
is in complete compliance for the period ending __ ___ ___ ___ ___ _ with all
required covenants except as noted below and (ii) all representations and
warranties in the Agreement are true and correct in all material respects on
this date. Attached are the required documents supporting the certification. The
Officer certifies that these are prepared in accordance with Generally Accepted
Accounting Principles (GAAP) consistently applied from one period to the next
except as explained in an accompanying letter or footnotes. The Officer
acknowledges that no borrowings may be requested at any time or date of
determination that Borrower is not in compliance with any of the term s of the
Agreement, and that compliance is determined not just at the date this
certificate is delivered.

  PLEASE INDICATE COMPLIANCE STATUS BY CIRCLING YES/NO UNDER "COMPLIES" COLUMN.

<TABLE>
<CAPTION>
REPORTING COVENANT                                     REQUIRED                              COMPLIES
------------------                                     --------                              --------
<S>                                               <C>                                        <C>
Annual (CPA Audited)                              FYE within 120 days                         Yes No
</TABLE>

<TABLE>
<CAPTION>
     FINANCIAL COVENANT                        REQUIRED                       ACTUAL         COMPLIES
     ------------------                        --------                       ------         --------
<S>                                            <C>                           <C>             <C>
Maintain on a Monthly Basis:
  Minimum Liquidity                               $*                         $________        Yes No

Maintain on a Quarterly Basis:
 Profitability:                                   $**                        $________        Yes No
</TABLE>

*See Section 6.7(a) of the Agreement
**See Section 6.7(b) of the Agreement

COMMENTS REGARDING EXCEPTIONS:
  See Attached.
                                                    BANK USE ONLY
Sincerely,
                                           Received by: _____________________
                                                          AUTHORIZED SIGNER
_____________________________
SIGNATURE
                                           Date: ____________________________
_____________________________
                                           Verified: ________________________
TITLE
                                                         AUTHORIZED SIGNER
_____________________________
                                           Date: ____________________________
DATE
802168

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