0001178913-11-002412 Sample Contracts

REGISTRATION RIGHTS AGREEMENT
Registration Rights Agreement • August 25th, 2011 • Kardan Technologies Ltd. • Services-prepackaged software

THIS REGISTRATION RIGHTS AGREEMENT (this "Agreement") is entered into as of the 21st day of August, 2011 (the "Effective Date"), by and among Sapiens International Corporation N.V., a company incorporated under the laws of Curaçao, with an address at Rabin Science Park, P.O. Box 4011, Nes Ziona 74140, Israel (the "Company"), and each of the shareholders of the Company whose name and address is listed on Schedule 1 attached hereto (each, a "Holder" (as further defined below) and collectively, the "Holders").

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GUARANTEE LETTER
Guarantee Letter • August 25th, 2011 • Kardan Technologies Ltd. • Services-prepackaged software

Reference is hereby made to that certain Share Purchase Agreement, dated as of July 21, 2011 (the “Agreement”), by and between (i) IDIT I.D.I. Technologies Ltd. ("IDIT"), (ii) FIS Software Ltd. ("FIS"), (iii) Sapiens International Corporation N.V. (the "Parent"), (iv) Sapiens Technologies (1982) Ltd. (the "Purchaser"), (v) the shareholders of IDIT whose names appear on the signature page of the Agreement or that otherwise become parties to the Agreement under Sections 2.06 and 2.07 thereof, (vi) Mr. Amit Ben Yehuda in his capacity as representative of the IDIT Selling Shareholders, (vii) the shareholders of FIS whose names appear on the signature page of the Agreement or that otherwise become parties to the Agreement under Sections 2.06 and 2.07 thereof and (viii) Mr. Dani Goldstein in his capacity as representative of the FIS Selling Shareholders. Capitalized terms used herein but not otherwise defined herein shall bear the meanings ascribed to such terms in the Agreement.

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